vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed

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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have a collection on my account and they keep updating the date every couple months. The collection will disappear then come back. Or they update the date to a more recent date and my credit score keeps dropping and Ive worked REALLY XXXX hard to get to where Im at with my credit score. My score just dropped by XXXX points and I have NO missed payments and nothing that would cause this to happen. The debt collector is portfolio recovery it says original creditor is XXXX XXXX I do not know what this debt is. its for {$710.00} from 2018 and I dont ever recall having a XXXX XXXX credit card in 2018!! It also said something about sprint. I dont have XXXX  as a phone provider and NEVER have. My mom did when I was like XXXX but I NEVER have. Also I didnt have ANY credit cards in 2018. At all, so how is this account opened in XXXX of 2018!? Ive never had sprint and I had ZERO open credit cards in 2018 I want this XXXX debt removed from all 3 of my reports! Its ridiculous and they keep changing the dates and updating it so the date becomes a more recent debt! Im SICK OF IT. I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding Wells Fargo 's credit card program. My experience with the program has been extremely frustrating and disappointing. 

When I signed up for the credit card program, I was under the impression that it was a standard payment program, similar to other credit cards I had used in the past. However, I soon realized that the program was actually a fixed payment plan, similar to a personal loan, which required me to pay off the entire balance on my account within a fixed timeframe. 

This was extremely misleading and deceptive, as it was not made clear to me at the time of signing up for the program. I feel that I was misled into believing that I was getting into a standard payment program, only to find out later that I was locked into a fixed payment plan. 

I urge the Consumer Financial Protection Bureau to investigate this issue and hold Wells Fargo accountable for their misleading and deceptive practices. Consumers deserve transparency and honesty from their financial institutions, and it is unacceptable for Wells Fargo to mislead and deceive its customers in this manner. 

Thank you for your attention to this matter.

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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I paid down my mortgage so that I can remove the mortgage insurance. I called on XXXX to have the PMI removed. I was told they needed to send a realtor out to evaluate my property in order to have it removed. I have called several times as well as sent a chat messages to have a manager contact me since they have done nothing as of today. No one has contacted me to evaluate my property and no one has returned my call. I have continued to be billed for mortgage insurance. I called yesterday and the representative disconnected and never called me back. I am being charged a fee that per the law should be removed as I now have over 20 % down on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-04-19 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:
THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the Court order that is issued in the United States District Court for the Southern District of Florida XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to lodge a formal complaint about the interest charges that have been imposed on my credit card account. Since XX/XX/XXXX, I have been charged interest fees each month without any resolution. I have contacted Capital One Bank regarding these charges but have been given unsatisfactory answers and told that they were caused by a cash advance transaction made by the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. However, I do not have the cash advance option on my credit card, nor have I ever been provided with a PIN for cash advance services from Capital One Bank. When I tried to withdraw cash from my Capital One Credit Card, the ATM did not authorize me to withdraw cash as I did not have the required PIN. Despite my repeated attempts to bring this issue to their attention, I have not received a satisfactory response or resolution. 

Below is the list of the interest fees that have been charged to my account each month. 
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} These charges are unjustified and unfair, and I do not believe that I should be held responsible for them as I never authorized the cash advance transaction in question. I have spoken with a customer service agent who informed me that the XXXX processed the transaction as a cash advance transaction and that Capital One Bank can not dispute the charges. However, I believe that Capital One Bank should take responsibility for the charges and resolve this issue as soon as possible. 

I am extremely disappointed with the level of service that I have received from Capital One Bank, and I request that this matter be resolved at your earliest convenience. I would appreciate your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AZ

Complaint narrative:
XXXX refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy

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 2023-04-19 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: AZ

Complaint narrative:
XXXX refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I bank with American Express Serve. 

{$1000.00} dollars was stolen from my account via fraud over several weeks in XXXX in varying increments. I have never had any dealings with the company involved XXXX XXXX XXXX or ever heard of them. I followed their procedure as listed by American Express Serve, and reported the fraud, them submitted paperwork attesting that the charges were fraud. 

I was surprised that the fraudulent charges even went through, as I can not shop at XXXX with out American Express Serve denying the transaction and requesting authorization that it was authorized. 

My case has been denied twice with no explanation, and a note stating that I would have to write a letter requesting the reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is violating my fcra rule 15 USC 1681 c-2 rights by refusing to block reported identity theft information from my credit report Equifax is requesting that I provide them with proof of my identity and verifiable address. On XX/XX/XXXX Equifax mail me two letters to my home address of XXXX XXXX XXXX XXXX XXXX XXXX home address stating they need proof of my identity and that my address did not match the information on their credit file I am disputing this information I will provide a copy of my credit report from Equifax dated XX/XX/XXXX that shows my current correct home address of XXXX XXXX XXXX XXXX XXXX XXXX on Equifax credit file I will also provide cfbp case number XXXX from an Equifax dispute stating that Equifax request that I provide them with legal documentation that provides or show identity theft documentation in order for them to remove inaccurate information public record. I am also disputing other fraudulent identity theft information for my credit report which is XXXX XXXX XXXX account number XXXX the amount {$430.00} and the bankruptcy dated XX/XX/XXXX reference number XXXX should be removed I am providing in this complaint a copy of my court order judgment of vacating the fraudulent bankruptcy my FTC identity theft report my police report a copy of my driver 's license and social Security card Equifax has intentionally ignored supporting documentation and my FCRA Rights and Guidelines in effectively follow FCRA Guidelines and Non Compliant in handling my consumer credit report. I am taking the necessary action in pursuing a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a former Wells Fargo Home Mortgage XXXX customer who lost my house XX/XX/XXXX after battling with them for over 4 years to work out some sort of arrangement to keep my home. I became XXXX late XXXX XXXX and my finances suffered greatly. Fortunately, I was approved for Social Security Disability Income the first time I applied. Still, it took time for me to start receiving benefits. Meanwhile, my debts were spiraling out of control. I even filed for bankruptcy as a measure to buy time to work something out with Wells Fargo. I applied for loan modifications, I asked if the past due amount could be put on the backend of the loan to allow me to resume payments to get and stay current. My house was put up for foreclosure at least twice. Finally, late XXXX it was about to be put into foreclosure again. All during this time my health exponentially got worse. I decided my health was more important than the home I owned for XXXX years. I quickly put my house up for sale barely meeting the timeframe to avoid foreclosure. I sold the home at a loss. I owed more than the home was worth. I was traumatized by Wells Fargo. They should be ashamed of themselves for not working with customers like me who through no fault of my own got behind in my mortgage because I became so sick that the US government found me to be XXXX. To date, I have not been able to return to work. I still receive SSDI. I am entitled to be generously compensated for the anguish, loss of my home, the resources I paid to keep my home. 

The property address in question is XXXX XXXX XXXX XXXX XXXX, VA XXXX The loan number was XXXX. 

Please help me to get compensated.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist financed a new vehicle purchase. On XX/XX/XXXX I set up auto pay, online, for the Truist auto loan. I verified if the bank information/auto pay had been saved and my bank information was not stored/set up. I re entered everything again and afterwards the information was still not saved. On XX/XX/XXXX, I decided to make a one time payment online since the auto pay was not processing my information. 
On the first due date of XX/XX/XXXX, my account was drafted for the payment I had already submitted prior on XX/XX/XXXX. I called and they stated my auto pay was set up and that it would not deduct me in XXXX as I had a double payment. I left it alone and didn't request a refund for making two ( 2 ) loan payments in the month of XXXX. 

On the deduction date for month of XXXX which was drafted from my account on XX/XX/XXXX, {$710.00} was applied to interest out of the {$890.00} payment. 
The prior two ( 2 ) payments were applied as follows : XXXX {$890.00} : Monthly Loan Amount, {$600.00} Principal, {$290.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$720.00} Principal, {$170.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$180.00} Principal, {$710.00} Interest ( XXXX payment ) I couldn't understand why so much of the payment posted on XX/XX/XXXX was applied to interest. I contacted Truist on XX/XX/XXXX and the representative stated it had been corrected however the next day, my new lender XXXX XXXX XXXX, paid the pay off which had been provided weeks prior and I didn't receive a check in the mail, from Truist, for the incorrect amount of interest charged to my account on XX/XX/XXXX. Its impossible for Truist to have corrected it when XXXX XXXX XXXX paid the pay off amount reported to them weeks prior, in the amount of {$50000.00} on XX/XX/XXXX posting date.

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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Hello! 

I have been attempting to get a dispute about a fraudulent debt collections notice resolved and removed from my credit report, as it is tarnishing my credit score and reputation. The " collections agency '' Zions Debt Holdings LLC claims that I have a {$460.00} " past due '' debt balance owed from an " account '' through a company called " XXXX. '' I have never had any financial interaction or otherwise with " XXXX, '' nor have I ever even heard of this company or know what they do or sell. This claim showed up in the mail a little over a month ago and the debt is supposedly from 2020. I have disputed the debt through XXXX, however, the dispute was simply updated, and not removed and deleted from my account. I have researched the company for which the collections agency is claiming that they purchased my " account '' from, and found many serious legal cases of fraudulent debt collections for which Zions Debt Holdings LLC has been sued for in the amount of millions of dollars. This is clearly happening to more people than just me, and has been an ongoing issue for a number of years now, as these legal cases were dated over a span of the last 5-8 years or so. Please tell me what steps I should be taking in order to rectify this fraudulent debt collections notice -- I am about to be a XXXX XXXX just entering the world and the workforce, and a damaged credit score is the last thing I need!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX  to XX/XX/, I started buying XXXX through trader name XXXX who works at XXXX XXXX XXXX ( the company ) and I invested out of my pocket a total amount of {$50000.00} XXXX  not knowing that it was a scam. The bank never told me that it was fraudulent activity that they just closed my account due to unusual activity on XX/XX/ XXXX 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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Private loans were transfered from XXXX XXXX to Nelnet last month. For some reason they were transfered in an income-based repayment status. I was not on an income-based replayment plan with XXXX XXXX and was paying more than the minimum payment per month. Nelnet refuses to allow me to auto-draft more than my minimum monthly payment while my loans are in this status. They are insisting that they charge me a fee to get my loans out of this status. This feels predatory and intentional to make it harder for students to pay back loans so more interest will capitilize. It also took me months to get my account set up when my federal loans were transfered earlier this year. Nelnet uses XXXX  incompetence to try and force users into more debt and they need to be investigated. I never had any similar problem with XXXX XXXX or Great Lakes.

Company response to consumer: Closed with explanation