vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts stated above 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA called from XXXX. Asking for me to confirm its me I asked who it was and the agent gave me his name and then, he asked me to confirm my address which I responded by asking what was the reason for this call and he said a personal business matter. At which point I felt they were not identifying their selves appropriately and the purpose of their call and I then looked them up online and found out its a debt collection company but by law arent they required to tell me up front its an attempt to collect a debt. I also had not received any written communication about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX and XXXX account # xxxxxxx which was through XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX an employee at XXXX XXXX and XXXX in XXXX Virginia. Since there is no account listed under my name, then by by law you have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NY

Complaint narrative:
i sent an Affidavit of truth to XXXX, EQUIFAX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: NY

Complaint narrative:
i sent an Affidavit of truth to XXXX, XXXX AND EXPERIAN STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX of 2022, I tried purchasing a flight ticket on the XXXX XXXX. My card was charged twice for the same ticket. I never got a second confirmation flight number in order for me to cancel. I called XXXX and my bank multiple times that week informing them the issue. This is ridiculous at this point. My {$370.00} went somewhere and neither XXXX or Wells Fargo will do anything about 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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may 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 explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America and its agents willfully and repeatedly made phone calls and left messages in violation of Regulation F. In XX/XX/2022, I received voice mail messages that included : - My full name - That this is an important business matter - That a representative had options to benefit me - Statements that Bank of America had tried to contact me previously The above content is outside of the definition of a limited content message ; as such, Bank of America should have applied a cooling off period between collection attempts but did not do so. Each attempt was within much less than seven days from the prior. These voice messages have been saved and can be provided to regulatory agencies as warranted. 

These are the attempts I know about because Bank of America either used the same XXXX or left a message ; however, it is possible that additional attempts were made. 

Bank of America and its agents also placed collection calls to me after I accepted and made timely payments toward its own payment program. When I returned its call on XX/XX/2022, its agent could not tell me why the call was made and later suggested that they wanted to schedule a payment. 

Bank of America continues to engage in unfair and unclear practices that are not in the interests of consumers. I placed a call to Bank of America on XX/XX/2022 to inquire about bringing my account current via reage after having made three consecutive payments as agreed. Bank of Americas agent explained that it can not commit to a timeframe for reage and that a review would happen up to eight months later. The representative advised that there was not a way to request a sooner review.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX of 2022, I tried purchasing a flight ticket through XXXX app. The app froze and charged my card twice. I couldnt even cancel the second ticket because I never received a confirmation email. I contacted both Wells Fargo and XXXX a handful of times explaining the issue and filing a dispute. Both Wells Fargo and XXXX have not done anything to get me my {$370.00} back. My dispute was reversed by Wells Fargo as well. I am a XXXX year old single mother who is in XXXX full time. This is ridiculous. Where did my {$370.00} go? This issue needs to be resolved between the Wells Fargo and 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 2022-04-20 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my XXXX  credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.

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 2022-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
IN 2006 After having a baby. I was told by the federal government I would never qualify for loan forgiveness as a XXXX. I would be placed on an income driven plan that was 3 times my pay at the time. My interest rate was 6.5 %. Then I was contacted to consolidate outside of the government. I have paid my loans for 20 years. Did the government and these other companies work together to mislead me during XXXX Why would I not refinance and save XXXX over 20 years if I was never going to qualify? I had XXXX and Navient. There has to be records of these conversations, emails, and conversations on their website, which I can not get into now that I do not have a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: CT

Complaint narrative:
This will be the 3rd complaint I have filed with XXXX and all attempts to reach them by phone have been unsuccessful. Each time the credit company closes my investigation with out changes. I have attached all proof of payments that are consistently being ignored. I have attempted to fix these issue for approximately 8 mos and am now unable to file any disputes with the credit company online. This has now resulted in me losing my financing to purchase my current home, as well as impeding eviction. 
Also due to credit issues, I lost potential employment and XXXX admissions. Current issues : XXXX is reporting correctly, Equifax is not and has put prior derogatory reports back onto my credit. 

1. XXXX XXXXXXXX XXXX balance updated XX/XX/XXXX as charge-off was paid in full XX/XX/XXXX 2. XXXX XXXXXXXX XXXX Updated XX/XX/XXXX labeled as charge-off paid in full XX/XX/XXXX 3. XXXX  payment updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 4. XXXX XXXX updated XX/XX/XXXX labeled as charge-off Paid in full XX/XX/XXXX 5. XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter 6. XXXX XXXX XXXX updated XX/XX/XXXX, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached. 
7. XXXXXXXX XXXX reports and amounts are disputed and currently in active litigation. 
8. XXXX XXXX acct XXXX updated XX/XX/XXXX as collection account balance " unpaid '' Account was paid in full 8. XXXX XXXX acct XXXX active collection updated XX/XX/XXXX paid in full XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the afternoon of XX/XX/2022, while driving home from work, I received a phone call from a caller with the caller id of Wells Fargo. I have been a customer of Wells Fargo for over 17 years, and have received calls from them in the past. 
The caller stated he was with Wells Fargo and asked if I used XXXX. He informed me someone was trying to access my Wells Fargo account via XXXX and asked me to open the Wells Fargo app on my phone and look at prior history. 
I did not see any transactions and he told me I needed to add the person with an Email address to send the money to verify my identity. He assured me Wells Fargo would immediately return the money, but this was the only way to stop the thief from stealing the entirety of my checking account. 
I asked for verification he was with Wells Fargo and he told me to check the number he was calling from, it matched the number on the back of my debit card. He assured me he was with Wells Fargo. He knew my account information, my location, obviously my phone number and email address. He said that XXXX had been taken from my account, and this was the only way to get it back.

Assuming Wells Fargo had protection against scammers, I sent the money. Realizing pretty quickly this was a mistake, I immediately hung up and called Wells Fargo.

I was on this call for 11 minutes, trying to get a Wells Fargo banker to assist me, but I was constantly transferred, had to keep adding my account number, telephone, etc. During this time the scammer called me back 5 times. I was on hold with Wells Fargo, and not knowing I had accepted the scammer 's call. I had been trying to hang up the call. 
The new scammer was a woman, and assured me she was with Wells Fargo fraudulent services, and could see the XXXX was pending to go back into my account. She told me I needed to send XXXX from my savings account, in order to protect it. She said this was the only way to get my XXXX back. 
I sent them money, and immediately called Wells Fargo. This time it took 38 minutes for the person I needed to help me get on the line. Everytime I had to repeat the story, give my account number, etc. 
Apparently the money can not be immediately canceled or returned. I filed a claim with Wells Fargo, and am waiting 10 days. 
I assumed the scammer was with the bank since the app is so easy to use with XXXX, I thought the bank would have fraud protection for this. 
I never signed up for XXXX, it is just attached to my account. I also feel I should have been able to get in contact with someone from Wells Fargo much sooner, and this could have been avoided. 
I just hope more people can be aware of this type of scam.

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 2022-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I graduated from a XXXX  program in XXXX with a private XXXX XXXX XXXX and a federal loan managed by XXXX. I payed off the private loan and co to yes making payments with the federal loan company as able. Sometimes I requested a deferment and was steered towards a forbearance. Im not sure is the exact year but so want to say XXXX - I had XXXX small children and was working. I received a call from a loan company telling me that I needed to consent to new terms and the company was not going to be XXXX anymore. I was told exactly what amount I needed my new monthly payments to be and there was really no room for discussion. I began receiving invoices from Naviant. I payed but my balance continued to climb and I needed relief from time to time and I would call a representative who would advise me to file a forbearance. Over the years my balance has continued to climb even though Ive been making payments. Its overwhelming. Im losing sleep worrying about my financial situation. My husband and I are trying to put our XXXX children through college right now and we are not able to afford certain things for them and ourselves that we thought wed be able to afford by now. I have called naviant several times to complain and see if my loan balance can be lowered or the interest forgiven but have been steered towards forbearance each time. It wasnt until I requested to specifically have an income driven repayment plan that they arranged one for me and that was this year. Ive been paying in some capacity for 21 years. I feel like I shouldve paid the balance off by now but Im not able to reach anyone at Naviant that can give me a record of my payments with XXXX and Naviant. I need my balance to be reduced or forgiven if Ive made all the payments. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX and transunion fail to properly do a thorough investigation on 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 2022-04-20 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: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake has been reporting late payments since XXXX and have not investigated the situation which is hurting my credit. I have contacted them due to this not being true facts and was told they will get back to me via mail! It has been 2 years and still no update or payment update on 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 2022-04-20 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX Bank Acct # XXXX - XXXXXXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXXXXXX XXXX  Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, 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