vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX XXXX XXXX  sold supposed debt of {$1100.00} to the current creditor LVNV Funding LLC on XX/XX/XXXX which is a violation according to 15 U.S. Code 1692c ( b ) and also furnished negative remarks on my consumer credit report evidencing a debt which violates 15 U.S. Code 1692e ( 8 ). LVNV Funding LLC then proceeded to contact me via a XXXX XXXX XXXX XXXX XXXX  which violates 15 U.S. Code 1692e ( 3 ) threatening to levy or garnish earnings violating 15 U.S. Code 1692e ( 4 ) on XX/XX/XXXX. All the while the account was disputed and removed on XX/XX/XXXX from XXXX but not from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with 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 non-monetary relief
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
This is to report the wrongful repossession of my XXXXXXXX XXXX XXXX XXXX  on Friday, XX/XX/XXXX, by the dealership from which it was purchased ( XX/XX/XXXX ) ; XXXX XXXX Nissan of XXXX, Georgia. Please see the police incident report. 

In this case, the nature of Wrongful Repossession was abusive and completely unwarranted by my XXXX  LOAN ACCOUNT STATUS, which was CURRENT. In fact, I typically paid an extra {$25.00} on my loan account monthly. Please see loan status screenshot. 

Subsequent to the taking and recovery of the vehicle, a major engine component failed ; ie, the Engine Fan. This mechanical failure limited my usage of the car to near zero. The {$100.00} analysis of the vehicle shows an {$800.00} repair pending to replace the Engine Fan Assembly. 

Although the car was still under warranty when it was recovered from XXXX XXXX Nissan, I clearly had NO CONFIDENCE in a trustworthy repair being done there, or at any local Nissan XXXXXXXX XXXX XXXX agent/service center at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with Capital One Finance regarding the payoff balance and GAP insurance. In XXXX, the vehicle was officially paid off and I notified by Cap One that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though CAP One sent letters indicating that the lien was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to ask for your assistance with Wells Fargo Bank. 
Since last XXXX I have been trying to obtain the COVID -19 recovery modification for homeowners who can resume payments. 
Unfortunately Wells Fargo will not allow me to do so. I am currently restricted to speaking to one person in the home preservation department. 
I was only able to contact him in XXXX after trying for months. He told me I was approved for the modification in XXXX and had to pay the money from XXXX to present if I did not want to lose my home. This was XX/XX/XXXX. I was then contacted in XXXX informing me they could not complete the modification because they could not clear the title. I do not have any liens on the home and am unsure how the two correlate. I received notice in XXXX that they had cleared the title and to look for the documents to sign in the mail. In the meantime I was told I had to pay {$1900.00} a month until the process is complete. My previous mortgage payment was {$1800.00} and that was changed at the closing table. I received the documents in XXXX, notarized them and sent them back. I was contacted in XXXX, it was stated the county denied the modification because the title is not clear. I am so confused. 

I am in active bankruptcy. Prior to the pandemic I was paying Wells Fargo {$2000.00} a month with the hopes of the additional going towards the principal as well as the trustee payments. I have been compliant with all of Wells Fargo to date. Wells Fargo unethical practices and misleading behavior appears to be resulting in my children and I being XXXX. I was contacted and told they have to do a phone income review to see if I qualify for a modification at all. Why aren't I eligible for the COVID -19 loan mod? I have an FHA loan. They said they cant clear the title and the deceased my have airs to the home. The deceased was a co borrower only and is not nor have ever been the deed of the home. Please I do not want to be XXXX with my children. I don't know what to do and I am not getting much assistance from the Bankruptcy lawyer. 

Wells Fargo have also is fabricating documentation about assistance provided. they also presented a new closing disclosure at closing that was not the original provide prior. pleas see original disclosure attached. Wells Fargo deleted the bill pay history. Please see attached statement 's as proof of payments in XXXX as well. Payments stopped when the office shut down in XXXX during the pandemic in XXXX, But when they gave us the last payment in XXXX I paid Wells Fargo. Please see attached. please help me. I am have been in compliance with all Wells Fargo stipulations.

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 2022-08-04 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: WV

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/XXXX, a response was sent to a XXXX 's XXXX ad for a vacation rental. https : XXXX Received a contract, which was signed and returned. The deposit was requested via XXXX. I signed up for XXXX through my Huntington Bank. The first half ( {$3900.00} ) was sent on XX/XX/XXXX and the second half ( {$3900.00} ) was sent on XX/XX/XXXX. 

Information available : Homeowners : XXXX and XXXX XXXX XXXX ( name on contract ) Email : XXXX - multiple emails back and forth an this is the email used for the XXXX transactions. When I did this the name " XXXX '' came up and I was told this was his boss 's account. 

XXXX XXXX has an account at XXXX XXXX XXXX. Account # XXXX and Routing # XXXX - Given to me by the SCAMMER Address on the Payment Receipt for XX/XX/XXXX is : XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Phone XXXX Property Location is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I believe they bought this property in the fall of XXXX In the email when he requested payment for XX/XX/XXXX, he made reference to a XXXX XXXX XXXX XXXX group. I contacted them on XX/XX/XXXX and was told by " XXXX '' that this property had been sold and they had no knowledge of it being rented. 

I contacted a private investigator and found that a XXXX XXXX is currently residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This was sold to XXXX and XXXX XXXX and their mailing address is XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Neither couple claims to have any knowledge of this Scam. 

XX/XX/XXXX I contacted Huntington Bank to start a cas and try and get my money back. Case # XXXX. XXXX XXXX XXXX Report # XXXX XXXX. XX/XX/XXXX, was informed that no action would be taken by Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.

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 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a 30 year mortgage 84 months ago with Wells Fargo and was informed that it was in fact not a 30 year mortgage, but only fixed for 84 months and then it becomes variable. I was not informed of this by the loan officer, although it may be in the 70 page closing documents. I made it very clear that I was looking for a fixed 30 year mortgage, particularly given my advanced age, and was told by the loan officer that it is was a fixed mortgage.

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 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 Chase decided to close my account, I was very confused on the why. They didnt provide me with any explanation when I called them and even though I explained to them that my personal information was stolen and I had to file a federal complaint because not only this account was used for fraud but two more of my accounts which were XXXX XXXXXXXX and Bank XXXX XXXX and they both also decided to close the accounts. I just didnt find it fair that for something that happened to me they closed the accounts and didnt even speak to me about it and when I tried to explain they just ignored me and said that I wont be able to open back an account. I was a chase customer for about 3 years so I hope that this gets sorted out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX 30 days in XX/XX/XXXX, and XX/XX/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 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I received a XXXX indicating that I had a {$25000.00} balance regarding a CashApp account that had been set up suing my personal identifying information. I have no affiliation with this company and I am not aware how they got a hold of my personal information. I have contacted XXXX and they have opened up a dispute with CashApp but they do not have a valid phone number to be able to get through to a live agent and I continue to get the runaround. A fraud packet was sent to their fraud department on XX/XX/XXXX and per the tracking number : XXXX XXXX XXXX XXXX XXXX the documentation was received on XX/XX/XXXX at XXXXXXXX XXXX via their Cash App address XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This has been an ongoing investigation resulting of no response from this company and I want to confirm if they have received my fraud package and acted against this account that I have no control over. 
This account was opened some time in XXXX and I did not become aware of it until XX/XX/XXXX. The Account # : XXXX. I have set up fraud alerts with the three major credit bureaus and need assistance with the closure of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 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 2022-08-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TX

Complaint narrative:
Equifax is violation of 15 U.S. Code 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I did not give Equifax permission to assemble and evaluate my consumer credit or any other information which violates ( 15 U.S. Code 1681b ( 2 ) ). Equifax doing so without my consent is identity fraud.

Equifax also violated 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax did not exercise grave responsibility with fairness by submitting false credit scores to financial institutions, which stopped me from being able to purchase a home and other essentials for myself and my family. My right to privacy has been taken from me and I feel unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: WV

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/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