vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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:
My first and last name are as follows : XXXX XXXX MY current street Address is as follows : XXXX XXXX XXXX XXXX Pa 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is showing on my credit report as a negative account. I never had XXXX XXXX and its been a hassle getting it removed from my credit report

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX is Using My Social Security Number & License Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity 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 2022-12-21 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
A company called Fortiva is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Home equity loan as of XX/XX/2006 I owed : {$66000.00} My monthly payments : {$360.00} Made payments for 15 years and the Loan balance has not gone down.

Interest rate locked at XXXX XXXX All payments seemed to only be credited to interest and none to principle. 
Outstanding loan balance has not changed. 
I have paid over {$52000.00} in payments and none was applied to paying down the loan. 
All payments seemed to only apply to interest. 
VERY FRUSTRATING and UNFAIR. 

During Covid LOST JOB and could not make payments. 
Now they want to foreclose on my XXXX XXXX property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: DISCOVER BANK
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T locked my online access to my account, they indicated I have to go to the branch to resolve this issue. However, I have moved and is travelling outside of M & T foot print and could not visit a branch. 

I have spoke with their Fraud team, customer service, Branch, and Executive Complaint team on numerous occasions and no one is willing to resolve the issue M & T is illegally holding my fund and prohibit me access to my checking account.

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 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions is trying to collect on an alleged debt from my XXXX XXXX XXXX son for medical tests at XXXX XXXX that were covered by our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX accepts assignment and generally speaking all lab tests are paid for by XXXX XXXX XXXX XXXX if they are properly billed. They were already paid any proper copay at the time the test were done so this is a fraudulent billing and an attempt to harass a 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 2022-12-21 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: OneMain Finance Corporation
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hello, Middle Class Tax Refund Debit Issue. We received a {$1000.00} credit. On XX/XX/2022 at XXXX PM we withdrew {$580.00}. On the following day at the same ATM I attempted to take out the remaining available funds of {$460.00} ( ATM FEEs {$3.00} per transaction ). The ATM said the funds we note available due to the fact no additional transactions within the same day. I figure I would try again the next day which I did. I was refused again due to we now only have {$1.00} left in our account. Somehow of the other this ATM deducted the {$460.00} along with an ATM fee of {$300.00} and did NOT provide me the funds. 

On XX/XX/XXXX I called the number on the back of the card XXXX and attempted to file a complaint to get the missing funds added back on. When I asked for her name to I could follow up and hung up on me. I called back the next day on the XXXX and a gal named XXXX answered the phone. I explained the issue to her and asked if I could please speak with a supervisor. She put me on hold and said one would be with me a.s.a.p. I was on hold for about 30 minutes and then the line went dead. On the XXXX I called back again and received the following message. " Due to high volume we are not able to assist you at this time ''. 

Can you please look into this for me. I could REALLY used this money. 

Thanks, 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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/22 I was given a {$20.00} Vanilla Gift Card. I tried to use the card for an online purchase on XX/XX/22 and the card won't work. So I registered it, and I was still unsuccessful. On XX/XX/22 I used it for an in-store purchase and was told there was only {$.00} left on it. I checked the balance online and saw an unauthorized purchase to www.xingyia.com on XX/XX/22 at XXXX am. Fortunately, I took a screenshot of the transactions, because now, when I check the balance I get an error message. On XX/XX/22 I notified Vanilla and submitted a dispute packet that same day. To date, I have not received the {$19.00} due to me, nor have I heard anything back from Vanilla.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was told by a bank teller on XXXX that XXXX money orders for {$500.00} each would clear my account on XXXX. It was printed on my receipt that they would be available on XXXX. On XXXX I received an email stating that they would be placed on an extended hold until XXXX and was given no reason why. On XXXX I contacted XXXX XXXX with the money order receipt numbers and was told that that had been cashed on XXXX so the funds were available. 

Bank of Americas website states Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday ( the first business day ), so the hold will go into effect the next business day ( Tuesday ).

In some cases, the length of the hold can change based on new information we may receive or discover. If this happens, you will be notified promptly through mail and/or email. 

I was advised on XXXX to call the bank the next and speak with a supervisor to see if they could release the 10 day hold on my money orders, which they could not. I would like to get my money and close account. They deceived me when they told me one business day in person when it actually turned into 10 days which isnt even in their policy

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 monetary relief
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
I contacted Equifax XX/XX/2022 about these unauthorized inquiries on my credit report. I stated to them that these inquiries were authorized by me and that they needed to be removed. A representative stated to me that they verified these inquiries with the companies and that they will stay on my credit file. I asked them for the individuals information on who verified this information with and they did not send me any information to show me what was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was frauded in XXXX and XXXX. Just received account investigation that I not responsible for charges. I called to order a new card 5 times and telling them I haven't received my card. They said I needed to talk to someone in the fraud department. I explained I received XX/XX/XXXX XXXX2022 the investigation was complete. Then they told me on account is in review and it has a frizz. I asked for what and they said there is nothing they can do until this is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear CFPB ; I was a Wells Fargo Mortgage customer. After Wells Fargo received over {$1.00} XXXX of taxpayer funds for delivering mortgage modifications, I requested that my mortgage be modified. 

Wells Fargo dragged my {$320000.00} mortgage modification request out for over a year, while continuously demanding that I pay my interest-only mortgage on the property. The company kept requesting more information and kept telling me that my request was " in evaluation ''. Wells Fargo never evaluated my request. 

Wells Fargo foreclosed on my property. I lost my {$120000.00} down payment, and the property. This was my entire life-saving. 

If Wells Fargo would have modified my mortgage as promised, today my property would be back to its original value.

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 2022-12-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Sheffield Financial Co-installment loan-acct # 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 2022-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Collection Agency LLC
State: NE

Complaint narrative:
On XX/XX/2022 I received a certified letter from XXXX XXXX XXXX XXXX stating they are going to garnish wages from my job from a judgement placed against me because of this judgement and living at the time on XXXX due to a XXXX. I filed XXXX XXXX bankruptcy, they still called me and my wife to debtor examination, once we arrived they called us by name and released us stating " you have filed bankruptcy you are released from the debtor examination '' My wife and I have taken the bankruptcy courses and via telephone was examined by the trustee for the bankruptcy. After receiving the wage garnishment paperwork from the XXXX XXXX XXXX, I called them and asked why they where trying to garnish my wages for a judgment I have formally filed bankruptcy on. The Collection Agency knew from the beginning my wife and I filed bankruptcy but during the call pretended they had no idea and perused the matter. Finally towards the end of the call the agent said he would check the bankruptcy story and to disregard the wage garnishment paperwork if I indeed file bankruptcy and if I didn't they would move forward with the wage garnishment. I told them future communications needed to be done through my attorney XXXX XXXX. The next day I received a phone call from the XXXX XXXX XXXX requesting payment for the judgement in which I filed bankruptcy on I again informed them that I have already filed bankruptcy and who my attorney was and hung the phone up. It was brought to my attention that XXXX XXXX XXXX XXXX  has a reputation of playing fast and loose with the law and going after the poor because they know they can get away with it with no consequences. I was made aware of this site and that filing a complaint could hold them accountable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022, I had been tricked into paying {$310.00} and And XX/XX/2022 the amount of {$600.00} via XXXX. Through my Wells Fargo app. As soon as I realized that something was wrong, I called the bank to report it immediately while the transaction for the {$600.00} was still pending. A few days later I received a report that there was nothing they could do.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My XXXX has committed ID Theft & bank Fraud with my ID. My XXXX and I have been working on this since XXXX to date, and the bank has made at least XXXX investigations off and on, claiming the dispute was denied. I don't believe they investigated at all and seemed to no know where my documents I sent were at. Then they sent the fraud account bill to us XX/XX/2022 for the balance of {$3700.00} to our address with my XXXX XXXX email attached to this account. They confirmed that the our address was the victims address and quickly got off the phone. Our XXXX has lied about this account to us as well as gaslighted for more confusion, but we feel we are caught between a bank that is not doing their job right and a 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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a car loan from Wells Fargo. They said I didnt pay my car payment and I didnt have insurance when I actually did. They were charging my loan every month for over 3 years their car insurance price to my loan. Doing so I couldnt figure out why I wasnt ever caught up and current on my car 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 2022-12-21 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad.

NAVY FEDERAL - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
I am seeking to ask the owners of XXXX XXXX or Private Lender Company some questions regarding why they opted to not participate in the IHDA program whom was going to pay my arrears on the mortgage I am behind. Also to ask them if they are willing to take a certain amount from an insurance policy settlement from me and allow me to become current on my mortgage so that I can finish my renovations and receive the XXXX XXXX in escrow, Im sorry construction escrow. I didnt find out until closing this was a Construction refinance loan. An attorney I spoke with briefly mentioned some of the things I have described sound similar to bad practice violations. I am aware the lender is not obligated to participate. However the debt would have been paid. So it appears the foreclosure is being forced in a sense. I could be wrong though. Thats where Id like the expertise of CFPB

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 2022-12-21 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: AL

Complaint narrative:
XXXX5 U.S. Code 1681s2 - furnisher shouldnt report information that is known to be incorrect ; cost me to get denied waste money because my score is wrong 15 U.S. Code 1681 A 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S. Code 1681 A4 violated my right to privacy My XXXX has more accounts than transunion Transunion Payment history:XXXX  Card usage:XXXX XXXX Derogatory:0 XXXX XXXX Payment : In pictures its doesnt add up

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