vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: NC

Complaint narrative:
This address is not mine, please delete immediately.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
I am behind on my mortgage payments. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 and was preliminarily approved for funds XX/XX/2022, meaning that I met the applicant eligibility criteria including ( XXXX ) that the property is my primary residence, ( XXXX ) that I own the property, ( XXXX ) I experienced XXXX XXXX XXXX and ( XXXX ) that my income is below XXXX  % XXXX. I am eligible for up to {$30000.00} in XXXX XXXX funds, which is more than required to fully reinstate my mortgage. 

After a XXXX applicant is deemed eligible, XXXX communicates with mortgage servicers about the account to verify the amount owed via the XXXX XXXX XXXX. XXXX funds cannnot be approved for disbursement until they receive a verification record from the mortgage servicer. In my cases, XXXX has sent the Information records requesting this verification of my account to Citizens XXXX Bank the following dates : - XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank has responded to only XXXX of these requests for information : a failed V-record dated XX/XX/2022. Citizens has been completely uresponsive to the program 's attempts to verify the amount I owe for more than 6 months. 

My file was referred to foreclosure several months ago. The only barrier to reinstating my loan is Citizens XXXX Bank failure to timely respond to I-records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
During numerous mortgage modification attempts we were denied approval. However, after many attempts on one occasion when we were finally approved the terms ( interest rate / added funds ) in the modification documents were different than what we were told by a Wells Fargo Home Mortgage specialist. Additionally the amounts added to our outstanding mortgage balance were never disclosed in the modification documents.

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 2023-01-23 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had turned in my lease early to XXXX in XX/XX/2019. The initial bill I received after turning over the vehicle was in mid XX/XX/2019. Over the next few weeks I was in direct contact with KIA Motor Finance and we came to a settlement agreement that I could XXXX and the rep on the phone as well as the settlement paperwork stated I had till a certain date to Pay. The rep also reassured it would not affect my credit if I made the payment by then. I upheld my end of the agreement making the payment in the agreed amount The very next day they reported to the credit reporting agencies that I was 30 days late and then again a few days of weeks later they reported I was 60 days past due all after I had made my payment. I called numerous times requesting they remove it and wrote letters asking they update my credit report to show I was not past due qe had an agreement in place and they have not. Recently I reached out to XXXX and requested the record to paid as agreed and removed the XXXX 60 days late which they agreed they only updated the paid as agreed status still not Removing that I was XXXX to 60 days past due. The credit reporting agencies I reached out to all of them did not resolve My dispute.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I no longer have the account with wellsfargo

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 2023-01-23 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: TX

Complaint narrative:
Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX veteran and pay all my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX FCRA Violation XXXX real estate never late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX  FCRA Violation : hard enquiry not mine 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had problems with the bank paying vendors that requested funds without my permission

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
CONVERGENT OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. CONVERGENT THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am filing the claim in regards to the {$3.00} XXXX settlement with Wells Fargo Auto Loan for the " illegal activity. '' We have moved since having the loan so our address was not updated in their system. I have spoke with a representative at Wells Fargo and they were not able to tell me if my loan was part of the settlement. I did update my mailing address with them, but wasn't sure if they had already attempted to reach out to the old address and we did not receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NJ

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 has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I first open the account I was getting overdraft fees the account was not updating correctly for my amount in the checking

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
My card was stolen and {$820.00} was spent off of my accounts on XX/XX/ i contacted chime ( TXXXX XXXX XXXX XXXX ) and filed a dispute with all the information they sent my a new card 3 days later and the representative told me my account would have provisional credits on XXXX  so on XX/XX/ chime denied my dispute saying they didnt recognize any error after investigation so the same day i filed a rebuttal because i told the representative my card was stolen and they denied my claim so with the rebuttal i was supposed to receive provisional credits XX/XX/ and i have yet to receive them i called over a 100 times and everyone says the same thing some of them hang up in my face when i try to ask going on with my dispute they keep saying they are escalating it to the investigation team and they will reach out to me but they still have not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is facilitating fraud. I am a recent victim of an online scam involving XXXX XXXX. The seller uses PayPal 's " purchase protection '' to give buyers confidence in moving forward with fraudulent transaction. They do this because they know how easy it is to XXXX PayPal 's purchase protection controls. The fraudulent seller simply submits an unrelated tracking number and PayPal closes the claim. 

I've already proven to PayPal, via an email from XXXX, that the seller is using an unrelated tracking number as " proof of shipment ''. They reopened the case after I provided the email, then the seller sent another fake proof of shipment and PayPal immediately closed my case again. Each time the fraudster provides a tracking number, the departing location and addressee are different. They use tracking numbers with the same destination city as my current address. PayPal does no due diligence in investigating fraud and is opening up all of their customers to potentially big financial losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 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 XXXX XXXX XXXX Acct # 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

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 2023-01-23 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Radius Global Solutions, LLC partial account # XXXX or Partial acct # XXXX has violated my consumer rights. I did not give Radius Global Solutions, LLC written permission or instructions to furnish this negative account on my consumer report. 

15 US Code 1681 section 602 A. States that I have the right to privacy.

15 US Code 1681 section 604 A section 2 Also states that 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We were with Wells Fargo for many years. We have refinanced at least 2 to 3 times. Always had a problem. Especially with timing and decision making. Also high costs.

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 2023-01-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a second hard inquiry in 9 months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Since XX/XX/XXXX, I have attempted to resolve this issue with interest charges of XXXX months that are not due. This company has continued to give me the run around and keeps pushing the date further and further down the calendar. Now I know why - because they think they can push this issue off on another company- namely XXXX XXXX. Because of their incompetence, they have been fired by XXXX XXXXXXXX, and replaced with XXXX XXXX. I received a letter from XXXX Capital One stating that they are transferring my account on XX/XX/XXXX. Now I understand why Comenity Bank has been stalling for well over XXXX months to get the XXXX months of interest totaling XXXX in a check to me- this was reported to them on XX/XX/XXXX- they have gone way past the XXXX days they are allowed to look into and resolve this problem. They think that by stalling until that date, they can just transfer this problem to another company - a problem that they created and they need to resolve NOW - no more time should pass since they have already had over XXXX months to resolve the problem- but all they do is compound it! I have filed previous complaints with your CFPB and they just keep saying they are working on it. This is working on it - working to get it off their books, and burdening another bank with the problem they created. They sent me a XXXX  check and told me in XXXX that until I cashed that check, they could not send me the XXXX months of interest they incorrectly charged me- I cashed the check XX/XX/XXXX and it is now over a month, but they now tell me that they are still working to resolve the problem, which is a lie, because I have correspondence from them that they already resolved it - they credited my closed account and still refuse to send me the negative balance- which is the XXXX months of interest they owe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been with Wells Fargo for Three & Half years. I been depositing my payroll check for XXXX and half years. Always getting half of my money. So I mentioned it and they will tell me difference answer. If they would havelook and see how many deposits were made then, they would see the checks was consistent. So I chose to put all of my checks in another bank and it doesn't matter if it's the weekend or whatever. I get all of my money, and my XXXX deposit comes XXXX days early. I had mentioned this to teller that I was changing banks, they didn't care. This's my complaint.

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
" Dear PayPal XXXX '', I am writing to request the reinstatement of my account, which has been permanently banned. I understand that my account may have been flagged for suspicious activity, but I assure you that all of my transactions were legitimate and I had no intention of breaking any of PayPal 's terms of service. 

I have taken the necessary steps to ensure that this situation will not occur again and I am fully committed to following all of PayPal 's rules and regulations moving forward. I have also taken the time to review the terms of service and understand the importance of adhering to them. 

I apologize for any inconvenience this may have caused and I hope that you will consider reinstating my account. I rely on PayPal for my business transactions and I would greatly appreciate the opportunity to continue using the service. 

Im Trying to Contact the XXXX but it didn't connect. 

Thank you for your time and consideration. 

Sincerely, " [ XXXX XXXX ] '' Last XXXX digit XXXX XXXX  number : XXXX Paypal Email address : XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief