vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: WV

Complaint narrative:
Account # XXXX, XXXX In about XX/XX/XXXX XXXX represented that they could provide 5g home internet service at my home in XXXX, WV. When I received the device it did not work. For eight ( 8 ) MONTHS XXXX was " fixing '' the problem. They sent me new hardware, they were constantly " upgrading '' towers, and software. During this time I received NO services from XXXX and although they did attempt to charge me for several months, when I called the customer service line they could see that I was not receiving any service and either waived the bill or refunded the charges. After 8 months I sent their equipment back and we ended our relationship. They apologized and thanked my for my patience. However, a month later they sent a bill for the last month 's service to XXXX XXXX XXXX XXXX, WV. This address is not a valid address. The US mail does not, has not, and will not deliver to this address. Consequently, I never received the bill. I do not owe the bill, but I would have disputed it right then and there had I known. XXXX had my credit card information and my correct billing address at the time but chose to mail a bitll to a bad address. At not time previously had we communicated in this manner. In XXXX, XXXX my account was sent to collections and has negatively affected my credit report. I have contacted XXXX XXXX XXXX ( collections ) for a resolution and they referred it to T-Mobile who insists it is a legitimate bill. I have contacted XXXX who claim they can do nothing and I must talk to XXXX XXXX XXXX In summary, my reputation has been damaged in the form of my credit report for a delinquent bill that I never received, haven't seen, and is for services that I never received. The only resolution I have been offered is to pay. This strikes me as nothing short of extortion and I am sure if we can't resolve this, a formal court and the court of public opinion will see it as such, predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was grossly over charged for fees and undisclosed charges.

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo sold our mortgage but they attached extreme excessive late fees and overdraft fees to our balance. This affected the amount of our loan a great deal. They threatened foreclosure at least 3 times and attached exuberant fees as well

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i sent in my letters i called and spoke to someone,, yet my personal info is still 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is against Best Buy Credit Services- I have a credit card for Best Buy that is issued by Citi Bank. I was a victim of fraud in XXXX of 2021 and I asked my card to be closed and issued a new one. Before I got the replacement card, another fraudulent purchased was made with it. I called Citi Bank to close the account all together. They assured me that it was closed. 

I opened a brand new account for a Best Buy Credit card to not have the same issue. 

I just received notice of a late fee on the account that was closed due to a purchase that I made at Best Buy last XXXX. The account that was supposed to be closed never was and the purchase was charged to the closed account versus the new account. 

We were just hit with a late fee for the account that was supposed to be closed. 

We just spent an hour arguing with Citi bank about this. They admitted that the account was supposed to be closed. The rep ( XXXX XXXX tried to close the account and wasn't able to do so. XXXX 's demeanor was one to refuse to help or listen to our issues, as dismissive as someone can be. He was obviously just reading a script, which had the purpose to frustrate and not fix their error. Citi Bank is making impossible to close this account after multiple attempts. This is just like the fraud scheme that XXXX XXXX had for opening new accounts and not closing accounts for their clients. 

I was not able to close the account yet again. At this point I don't know what to do as I do not trust them to close my account. If they're doing this to me, they must be doing it to countless other victims.

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 2023-01-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an account without my written instructions

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 2023-01-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States 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.. 

XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXX  Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXXXXXX acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end 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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was my mortgage holder and I got behind on my payments so I tried to do a modification twice but was denied both times. I had to file bankruptcy to keep them from foreclosing on my home. They kept not posting my payments to keep me behind on my payments just so they could mess up my bankruptcy process//I ended up having to file bankruptcy a second time just to keep my home. I need to know if I am entitled to some compensation from them even though I was able to struggle through to keep my home out of foreclosure.

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 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The Credit bureaus stated Lvnv funding {$26000.00} & lvnv {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and hit me with debt parking I didnt receive a letter or call claiming this debt was mines they just reported this to the credit bureaus.This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.And now Im exercising my rights to opt out as my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my account because of fraudulent activity in the year XXXX. 

I had a XXXX account opened afterwards and deposited money orders from XXXX. 
These money order added to the amount {$1500.00} and was never cleared into my XXXX  account and then had my XXXX account closed. 
I also never received any money orders or checks to claim my money because on top of the money orders deposited into XXXX they belonged to Wells Fargo Wells Fargo has my money that was wrongfully taken from me.

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 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: NC

Complaint narrative:
In 2018 we had a meeting with a sales rep from XXXX by XXXX. We needed replacement windows in the home we had just purchased. When we told the rep how much we could afford he told us we could take out a no interest, no payment for a year loan. We filled out the paperwork and agreed to borrow {$36000.00}. Not long after my husband was laid off from his job and we contacted Greensky and they told us over the phone it was no interest and no payments so we didn't need to worry. It was not until it was to late that we discovered we were actually being charge interest and it was only if we paid of the loan entirely that we would be free of interest. The loan interested ballooned and with the added lose of income due to COVID and my husband being called up for XXXX XXXX with the XXXX XXXX XXXX we have struggled to make any progress on the loan. We have called many times to try and get relief related to both of these issues but Greensky representatives have refused us any relief. Only when we said that we were going to file a report with CFPB did they say they would do an investigation. Now they say they have finished their investigation and they say we still owe {$15000.00} at an interest rate of 24 % that will continue to able to the balance. To date we have paid {$51000.00} total on a loan for {$36000.00} and there is no way we will be able to pay off the remaining balance without more interest applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$5100.00}

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 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX XXXX on a payment of {$4700.00}, I was scammed on the website : XXXX XXXX. The name of the scammers or sellers, ( whatever you prefer to call them ) is XXXX XXXX XXXX. I had purchased what was described as sXXXX XXXX XXXX by their respective actors. However, what I received was fake XXXX XXXXs with fake signatures and a fake and XXXX certification company. I have countless proof that the items the sellers sent me were fake and not as described per the listings. Attached you will see pictures of how they demonstrated and told me the items were authentic and legit. However, you will see that I used a reputable third party to check and they told me the auto was unlikely to pass any verification. Their so called " authenticator '' is a company based in XXXX ( for american autographs ), whose site site ends in " .net '' The sellers also claimed to be from the XXXX XXXX however upon arrival of the items the invoices said they were from XXXX XXXX XXXX XXXX and even used XXXX to deliver. XXXX is usually only used for International shipments. Furthermore, not only were all the items counterfeit but I already returned them all to the seller and have proof of delivery however sellers refuse to send my money back so I am left without the fake merchandise and my money. Almost {$5000.00} was stolen from me in this manner. Whats more? XXXX XXXX ( the website ) and my bank ( Chase ) instructed me to return the items to the merchant. And now the sellers have not returned my money. Chase did not even look at the dispute the first time even though it was extremely clear the merchants were scammers. Then they for some reason let it slide or just ignored my dispute to which I had to appeal and open a new dispute just for them to say after months of waiting that the time period was over. I have been extremely cheated by Chase and will seek legal action if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We applied for a car loan with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and found fraudelent activity on our experian credit report regarding XXXX for {$4200.00}. We went online to experian and online they told us to file a complaint online which we did. I got a copy of my credit report and it had a partial number so I called XXXX ( which we have our cell phones with XXXX but are current and have never had a problem ), I called XXXX and explained our situation and spent 3 hours on the phone with several different associates, including their fraud department. Thru my social security number they have no outstanding anything, only show our cell phone service. They told us to call back experian and get a full account number not a partial that is on my experian credit report. We have tried and tried multiple times to call experian and we can not get thru to a customer service agent. We need actual full account numbers to call XXXX. It says on a recording that you have to file a a dispute online, ( which we did ) and that we are unable to speak to a customer service agent. It says to call the number on the credit dispute which we did but it still takes you to their main number and will not let you speak to anyone. We got a letter that XXXX investigated and will be reporting to experian until XX/XX/XXXX. We filed an additional claim, and we just got another dispute result from experian and now there is another claim from XXXX for XXXX XXXX XXXX which I have never had in the amount of {$1900.00}. 
We need to speak with customer service at experian and get the full account numbers and to dispute this fraud. I put a fraud alert and block on my experian account so nobody could add anything additional in my name without my permission which how could this XXXX be added.

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 2023-01-21 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: NC

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 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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an 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 non-monetary relief
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: NC

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 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 | Has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had XXXX strokes past year and behind and owe money for school private loans too repay what I owe and past checking account with banks owe to get back on track I am a VA XXXX veteran low monthly income.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have had this bank account for over 20 years. They have charged me lots of fees over the years. They have refused to fix accounting mistakes. They have been very slow in crediting deposits over the years. Payments that I have made do not always get to the bills I am paying, but are still deducted from my account. They have never refunded this missing money. Starting accounts in my name and my kids names without any authorization to do so and then never refunding those fees. Overdraft fees because they didn't credit my deposits...

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