vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was a Wells Fargo auto loan customer whom had car repossesed. Fees were excessive and it had no real reason to do so. I am entitled to relief.

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 2023-01-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accodace with the fair credit reporting act XXXX account # XXXX, has violated my right. 

15.u.s.c 1681 section 602 A. State I have the right to privacy 15 u.s.c 1681section 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 explanation
Consumer complaint received 2023-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2023 my bank account was debit an unauthorized charge from the company chime. My bank took care of that issue, but it was needed to cancel my bank account and open a different one to avoid more fraudulent transactions. 
XXXX XX/XX/2023 I received a debit card from CHIME that I never requested. investigating their website I learned that in order to open a debit card with this company you need to provide SS number. I checked XXXX, XXXX and XXXX and I don't see. any inquiry ( hard of soft ) in my credit report. I am assuming that this company is opening these accounts without the need requirements. 
I tried to cancel the account, but I am unable to do so. 

THanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
Willfully FCRA Violations by XXXX, Equifax and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX  Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from XXXX, XXXX and Equifax, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Willfully FCRA Violations by Experian, XXXX and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from Experian, XXXX and XXXX, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX  who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Over charged return check fees

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 2023-01-24 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: U.S. BANCORP
State: TX

Complaint narrative:
on XX/XX/2023 us bancorp bank got a copy of my XXXX report without my conset i did not apply or try to applyy for credit with you guys please remove from my credit report also i will like request proof why you guys feel this is my doing

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 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am in the Public Service Loan Forgiveness Program ( PSLF ). My account is currently with Mohela. I had 4 loans. Two were forgiven in XXXX. They had different payment counts listed than my 2 remaining loans. This is wrong. The counts should have been the same. I had the same forms, same jobs, same dates in school. I worked in Public Service for 11 years. I should have 128 months. My forms were submitted by XXXX of last year and approved. I have 35 consecutive months of Forbearance and one month that is not consecutive, all of which should be counted toward PSLF. I have approved forms for each of these months. There are also missing months from my account that should be counted. I have filed 2 complaints with Students Aid, the last one was in XXXX, still no response. My remaining 2 loans should be forgiven. Every time I call I get a different answer and get told to wait 90 more days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
They always said I had a certain amount then pulled it then made me negative and refused to fix their issue so I was out more money to cover fees

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 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I received a bill from Medical Data Systems I on XX/XX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA Administration -Please provide a breakdown of fees including any, and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
I completed forms for the XXXX & XXXX certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted on XX/XX/2022 and XX/XX/2022. However Mohela did not count these time periods as part of my qualifying payments under XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Predatory interest only loan wasnt explained clearly by Wells Fargo had to pay lump some from selling the home after years of interest payments

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 2023-01-24 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: LA

Complaint narrative:
I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Filing under the limited waiver prior ( XXXX ) to the XXXX deadline in XXXX my loans were transferred to Mohela from XXXX as part of the PSLF program. I submitted one form from my employer to certify payment made between XX/XX/XXXX and XX/XX/XXXX. This was ignored and I was told to submit again. I did so. 2 payments were credited to my account. After spending a day on hold I was told that the other payments would appear shortly. In XXXX a message was posted to my account showing that counting of payments had begin. It is almost XX/XX/XXXX. Im still at 2 payments. I dont understand why this is so difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
onXX/XX/XXXX bank of america got a copy of my XXXX  report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine

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 2023-01-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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. 

Per XXXX XXXX, they advised all XXXX credit bureaus to remove from my report in XX/XX/2022. Has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A consumer processed a transaction on my Wells Fargo account without my authorization. I called the merchant and explained that I did not authorize that payment. They advised me that it was nothing that they could do, that I needed to call my bank being that it was already processed. I called Wells Fargo and spoke to 3 different agents. I explained that the merchant did not have authority to process that payment. I was told by one of the agents that because the payment was too close to the actual due date, that they couldn't reverse or stop the payment. I qas also told that the payment needed to get paid anyway. That is for the customer to decide if they want to make that payment or not and for what amount.

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