vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up from case XXXX that was closed. 
Wells Fargo Bank in person meetings with managers indicated my account was closed due to XXXX being imposed on Wells Fargo Bank for a {$300.00} dollar new account. After being a customer at WF for XXXX  years with no issues. 

1. Letter indicates they are closing the account for no specific reason. Letter also indicates they have a right to close the account period. 

XXXX. In person meetings with management at branch connected me to XXXX XXXX over the phone, who indicated, the new account of {$300.00} dollars was closed due to Risks imposed. This is in fact an issue that needs to be addressed. Why did it go to XXXX XXXX to begin with? What took place that brought this decision on to my account? 

XXXX. This poses a defamation of character to me. Implications of something gone wrong. Issues in finance that I should know if it implicates me. It is impeding me from becoming employed. Negative comments in a community where I raised my kids! Can this be an attributing factor of my non employment in the XXXX XXXX? Do you know what this means? Defamation of character is against the law! I need to know what made Wells Fargo send a {$300.00} dollar account to XXXX XXXX. There are laws at the federal level as well as consumer protection laws that protect me. What is Wells Fargo filing against my family name? 

I am looking for reasons why this is the case. The letter that caused you to close the case because the company replied does not mean it was settled. The letter does not indicate XXXX XXXX but the in person communication clearly stated this is the issue. If you can please bring clarity to the decision, I will appreciate it.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The company XXXX has reflected negatively on my credit reports for the last couple of years. I've reached out to XXXXXXXX XXXX times specifically within the year of XXXX. Each time I've requested an original contract bearing my signature and received copies of bills and " verification '' from each of the credit bureaus. Most recently, I offered a settlement amount for the amount of {$110.00} with intent to have this account removed and eliminate some of the damage being caused on my credit report from this company and received the same letter returned to sender.

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 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8.

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc.
State: NY

Complaint narrative:
I'd like to file a complaint again M1 Finance.

When I initially opened my IRA account with M1 Finance, there will be no fees associated with maintaining the account. However, I have recently been informed that, starting XX/XX/scrub>XXXX XXXX XXXX M1 Finance will implement new fees if the account balance is below {$10000.00}. This change was not disclosed to me at the time of account opening, and I find this sudden imposition of fees to be both surprising and unfair. 

Given these new fees, I have decided to transfer my IRA account to another financial institution. To my dismay, I have discovered that M1 Finance charges a {$100.00} outgoing fee for transferring the account, in addition to a {$100.00} fee for closing the account. These fees seem excessive and are causing a significant financial burden on me, especially given that the policy changes were implemented without prior notice or adequate time to adjust. 

I believe that M1 Finances actions are deceptive and do not align with fair consumer practices. The lack of transparency about potential future fees and the high costs associated with transferring my account are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate XXXX XXXX XXXX XXXX XXXX ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please removed the following items from my credit report : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX This address in incorrect, please remove it from my credit report immediately Collections XXXX. XXXX XXXX XXXX XXXX - This collection is being reported inaccurately, please remove this from my credit report Account XXXX. XXXX This account is being reported inaccurately, please remove this from my credit report XXXX XXXX XXXX. XXXX TX XXXX XXXX this inquire was not authorized, please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
For over three years, two of my mortgage loans have been service by Newrez, LLC. I have always purchased hazard insurance on my own and have paid for it out of pocket. Three and a half years ago, Newrez told me that they did not receive the insurance information for my mortgage on XXXX XXXX in XXXX, CA. ( Loan # XXXX ) They acknowledged that they DID receive the information on my loan for XXXX XXXX, but said they did not receive it for XXXX XXXX and they placed forced insurance on the property. The same agent that sent information on the XXXX loan sent it for XXXX as well. The agent is the same and the coverage is identical. I sent proof of coverage and my agent sent the same thing. Still, they told me that they didn't receive it. THIS WENT ON FOR THREE YEARS! 
On XX/XX/scrub> 2024, my agent suggested, in an email to me which I have attached, that " we should just start having tape recorded conference calls '' so that we could just send them a copy later. She also said " Your lender as you know is difficult ''. 
Finally, early in 2024, I got hold of XXXX XXXX in their service department at Newrez who told me that they got enough information to stop the lender forced insurance and they sent me a check for {$2400.00}. I tried to reach her to tell her that the company STILL OWES ME MORE THAN {$10000.00} for all of the time that they had forced insurance on my property and should not have. 
From that time on, no one will talk to me. I leave messages and receive no reply. 
THE MOST CURRENT NEWS is that Newrez has now placed forced insurance on my property at XXXX XXXX in XXXX. ( Loan # XXXX ). They make similar claims, that they haven't received information from either me or my agent, both of whom have sent it. They have now placed forced insurance on that loan even though they were sent the same coverage as XXXX form the same agent. 
I have always maintained insurance coverage on both loans and have not had any issues with other mortgage companies or servicing companies like Newrez. I suspect that they make a lot of money preying on their loan customers and charging them for insurance that is not needed. PLEASE HELP ME RESOLVE THIS ISSUE, both on the XXXX XXXX location and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: KY

Complaint narrative:
Car repo on Sunday XXXX XXXX XXXX XXXX NO NOTICE OF REPO. There is difficulty in obtaining info thru customer svc, I believe both my name and son 's name ( XXXX XXXX is ignored when it shows up on their queque. Wait time, and a call back which happens but no person answers. Son stated it took forever on phone getting info as to how much needed. They would not tell him where car sent, as he had his wallet in car. I called as well, put on call back list as system wait time was XXXX minutes, but waited for XXXX minutes when they did. Told same info. I went and borrowed what they had asked for {$1900.00} and sent by XXXX @ XXXX on XXXX XXXX. This amount included the fees for picking it up XXXX told. XXXX son info to call XXXX. He called XXXX times, put on call backlist just to get ", msg that operator hung up. Gave up for the day. This after almost an hour each time waiting.. Found where car located '' XXXX XXXX XXXX XXXX XXXX XXXX, KY and have to make an " appointment '' online to receive it, once released. Website stated have to make one also to retrieve property, but both Ford and XXXX stated he couldnt get his wallet unless XXXX gets the XXXX form. Appt for today Tuesday at XXXX to pick up at least wallet.. XXXX XXXX called after XXXX stated it was cancelled and awaiting for release from Ford XXXX They called back around XXXX but was told he couldnt pick up car til Thursday at XXXX XXXX XXXX. They are supposedly closed on XXXX. I called Ford at XXXX this morning and was put on hold leaving me the idea that we are flagged in their system.Not rude if they state as reason, as how could we if not able to get thru. Their account site states Temp unavailable when I checked to see if amount was posted. Plus the hassle of EVERY time of creating a new password. XXXX in XXXX day! He is behind ONLY because Social Security took away his checks for XXXX months, or for past months they try and reduce for XXXX reason or another ( KY ) now straightened out to receive next month. WITH the help of the XXXX. He is Iraqi combat vet, I am an XXXX 20 year retiree. I would NEVER buy a Ford product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized this information to be associated with my name, as I have been a victim of identity theft.

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