vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX  XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
{$2400.00} XX/XX/XXXX listed on my report as XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX account # XXXX inaccurate description on my report XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I obtained a Mortgage with Wells Fargo and during the financial crisis of XXXX fell behind on my payments. The property was sold at a foreclosure auction after failing to obtain a modification despite turning in thousands of pages of documents. The property was returned to me 5 days later. After nearly two years and finally obtaining a modification, all past due was added to the principal, and XXXX insurance was forced placed despite having homeowners insurance. Payments were made and on XX/XX/XXXX just 2 months after the modification the property was destroyed in a XXXX fire. I presented a claim, a proof of loss to my insurance company and assumed Wells Fargo would present a claim to it's insurer. ( forced placed ). My policy paid out but was XXXX XXXX dollars shy to rebuild. I held on to the proceeds waiting for the Wells Fargo policy to pay the Mortgage balance. Wells Fargo never presented proof of loss and decided to file a lawsuit against me to collect the monies I had received from my individual policy. I held those monies and used them to pay my mortgage. Wells Fargo breached the mortgage clause, racked up XXXX in insurance charges, the sued for the mortgage balance. Ultimately costing me nearly XXXX XXXX dollars. All of this is a result of those bungled modifications, forced insurance premiums, and failure to meet its obligations under the mortgage clause. Wells has misbehaved and harmed me and actually collected monies from its victims. The hazard insurance raised my payments, and the ultimate slap was losing the home to a covered event and Wells Fargo not FILING A PROOF OF LOSS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i sent a letter on XX/XX/2022 to experian/XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We have been in for closure with Wells Fargo for over a decade. They initiated foreclosure even though they had enough money to make loan current. They have refused or returned any payments made. They have not approved over XXXX mortgage modifications that we were qualified for. They have delayed, lost applications etc for other applications. For a period of XXXX years they never answered and attempts to communicate with my home Preservation specialist who in fact just actively delayed, confused and blocked communication with this family. We have spent {$30000.00} on legal fees and currently out lawyers have found defects in the contract that will probably cause wells Fargo to have to start legal action to take the house again. We have suffered major stress related issue XXXX XXXX currently these XXXX XXXX senior citizen are going to be homeless when they file again. Help please! We heard about the settlement. Could we get legal fees, pay off note ( {$270000.00} ). Anything we are desperate. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XX/XX/22 XXXX CT National Credit Adjustment Called a company provided cell phone, Never used phone for personal usage, would not verify how number was obtained, No debt validation, refused to send letter of debt verification or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit report shows closed and over 180 days delinquent. The government has been paying since XXXX relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has left an account on my credit that has been dismissed in a class action law suit recently ruled in favor of the XXXX. I am demanding this account be removed ASAP permanently per the court 's ruling in the final settlement. See all attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under. 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
My online account with Chime bank had unauthorized access. Someone was able to login to my online bank account, without my permission and transfer the money in the account to an unknown email address. 
I was not asked for permission through a text message or a phone call. I was sent emails after the transfer already had taken place. I contacted the bank and raised a complaint but the bank just closed the request in XXXX day. 

Unauthorized Transaction - transfer of {$200.00} from my account on XXXX, XXXX PST. I contacted the bank at around XXXX PST and logged the complaint. I was provided a complaint number. I got an email around XXXX on XXXX that the complaint was just closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/22 I agreed to a soft credit pull application. Contract states the account is not active in less. I agree to wet by not contacting them and stating to cancel the agreement however, I received a credit inquiry as well as it listed as a new account on my credit reports with all three bureaus, and I only ever gave my last XXXX of my social to XXXX, credit card company, and the bank that they use to process credit cards. I contacted them and told them I never agreed to taking the card and the contract states that it is a soft credit pool and is not finalized unless I do accept the offer by not canceling within 30 days or if I use the card. I contacted XXXX and they said I can close the account but theres nothing I can do about the hard inquiry or loss of credit score points even if I cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX. ) XXXX  XXXX : XX/XX/XXXX account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX : Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX  : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX  account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXXXXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So fXXXX XXXX XXXX account see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX bank account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX XXXX and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So XXXX XXXX XXXX XXXXXXXX see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC is currently trying to operate outside of their jurisdiction and attempting to get a payment from me for a debt that is not my own. They have provided any correct information and are illegally handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have two hard credit inquiries on my credit from Bank of America. One on XX/XX/2022 and one on XX/XX/2022. These are false inquiries and are fraud. Someone has been applying for credit cards through Bank Of America in my and my spouses names.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
Hi XXXX, I have a First Tech CU banking account and first time noticed an overdraft fee charged, I actually never ask them to honor my overdraft purchase, but they just did that for the overdraft fee, and I asked since this is the first time if I can get this fee waived, and they always answered : " we were unable to reverse since this was not a First Tech error. '' For my understanding, first tech should deny the purchase or text me to ask confirmation for the overdraft purchase, not just let it go through and charge me overdraft fee. 

And what's worse is I noticed another overdraft charge 2 years ago which probably a fraud purchase with large amount, First Tech REJECTED the Purchase but still CHARGED overdraft fee, it's totally not fair. 

My request is to refund both Overdraft fee of {$66.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called XXXX to cancel an old XXXX account that was put into my name by my landlord and in return set up a new account completely run by me. XXXX said they could cancel my account and that I wouldnt owe anything on it after XX/XX/XXXX. I had no issues until XXXX of XXXX when I got an email about overdue payments. I called XXXX and they hadnt cancelled my old account upon request and were still charging me but I had received no bills about this for those XXXX XXXX. After talking with multiple people on multiple attempts, I was able to speak with a supervisor that told me he would cancel the accounts and amounts owed with no problems. I hadnt heard anything or had an issues until I received a debt collection letter on XX/XX/XXXX. the letter stated that I hadnt contacted them regarding a previous letter ( a letter that I never received ) and that now it would be effect on my credit report and that I owed XXXX money. I called XXXX to dispute it but XXXX states that there is no record of any of this and that the amount stands. So now I am trying to go higher up to save my credit report so that Im not being hurt due to lazy XXXX representatives. 

Unfortunately I have no documentation other than the bills and statements of payment for my current account because everything was done over the phone and when I asked for email receipts of the conversations, they were never give.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My XXXX XXXX XXXX mother had accounts with wells fargo for years. When she past away in 2018, the bank listed accounts she had no information on. Her accounts were suddenly overdrawn. No one ever explained to us why they took the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX  monthly fee is deducted from my savings account dating back to 2020 from my records. The fee was not discussed prior to opening up a savings account with representative. It was free

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I took out a loan from the Cash Store. I missed a payment and they called my job and harassed/pressured my coworkers. When I do speak to them they are intimidating and aggressive almost as if they are a loan shark. I have asked them to stop contacting my job. They still do. This is more than collection, it is harrasment.

Company response to consumer: Closed with explanation