vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX 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 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 explanation
Consumer complaint received 2023-01-30 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing errorXXXX XXXX XXXX Navient, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Nelnet, Inc.
State: NC

Complaint narrative:
Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing erroXXXX XXXX XXXX XXXX XXXX XXXX, nelnet, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Account name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In pursuant to 15 USC 1666b ( a ) : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
On XXXX XXXX I was approved for a loan and received a used vehicle from XXXX. 
That day I was asked to sign a XXXX XXXX of Attorney and few forms for the delivery agent for registration and other processes needed to be completed by XXXX before she could leave the automobile, which I politely accepted. I signed the forms and the agent accepted the forms and left the property. 
On XX/XX/2022 I received an email from XXXX XXXX ( Title and Registration Specialist 1 ) [ emails attached ] informing me that they really wish to proceed with registration, which was confusing because I had already signed it. 
She then instructed me to sign my signature a certain way to satisfy her. 

XXXX XXXX told me to : -Sign my name how I signed it on my drivers license. 
[ proof of drivers license signature attached ] -Get Both Documents Notarized. [ proof attached ] -Send both original documents with wet signatures on them ( not copies ) I was unaware that XXXX XXXX XXXX XXXX or any person could tell me how to sign my name. 
When I signed I made a full reservation of rights. AS PER UCC 1 - 308 [ Documented proof attached of events to follow ] On XXXX XXXX I sent a NOTICE OF DISPUTE and affidavit for verification and validation of the debt. 
A letter dated XXXX XXXX which purported their inability to verify and validate the debt owed. 
[ proof of mailing attached ] Again on XXXX XXXX I made another attempt and sent BRIDGECREST another NOTICE OF DISPUTE, which again, BRIDGECREST ignored and did not respond and did not verify or validate the debt. 
[ proof of mailing attached ] On XX/XX/2022 I sent a DEBT VALIDATION LETTER. [ proof of mailing attached ] I received a response via XXXX, which in the re : correspondence received on XXXX XXXX was infact incorrect and a response that BRIDGECREST WOULD remove me from a DO NOT CALL LIST and not a verification and validation of debt. 
[ response attached ] On XX/XX/2022 I sent a NOTICE OF NONCOMPLIANCE and again gave BRIDGECREST another opportunity to verify and validate the debt. [ proof of maling attached ] On XX/XX/2022 I received a letter from BRIDGECREST stating they were unable to process the request.

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 2023-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Climb Credit Inc.
State: MA

Complaint narrative:
Good morning, I signed up for a CLIMB credit loan in XX/XX/XXXX, the terms of the loan stated that it was I/O for 6 months and I was granted a grace period of 1 month after funding of the loan. The terms submitted to me stated that the loan would fund and payments would start on XX/XX/XXXX. The loan funded in XX/XX/XXXX, I had 1 I/O payment and now they are switing to the whole amount in violation of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: NC

Complaint narrative:
in XXXX of XXXX I contacted XXXX XXXX XXXX   About credit cards that were getting behind I spoke with a XXXX at XXXX XXXX he gave me an amount i would pay monthly and put into a separate account account ... apox XXXX He also told me to stop paying all three of credit cards ..i was current at this time ..He said not to talk to them at all. so we stopped... we signed some paperwork i have to find it He told us to contact customer service..Which was very hard to get a hold of after a few weeks when we reached them They said they were working on it ..Called again couple months later They told us we would have to wait until XXXX sold our accounts and they XXXX XXXX could have them settle ... Seemed they were stalling us ... .They had a different person working on account Fast forward to XX/XX/XXXX. We were told XXXX XXXXXXXX negotiations was handeling our acct.XXXX XXXX We had them hold our account for a week because my husbands truck was down... we caught that back up..then again he had no work at the same time they closed our account out ..XXXX balance and paid XXXX on one account Kept XXXX of money that we wer3e depositing for a debts... We knew werte charging a fee..not XXXX for doing nothing ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I've been a Wells Fargo customer with a checking account since 2018. I am filing this complaint due to the recent settlement due incorrect fees being charged on customer 's accounts.

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 2023-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Since XX/XX/23 I made a wire transfer for XXXX dollars since XX/XX/23 my funds got rejected by the bank where i did the transfer which was a international wire transfer so why PNC never gave the funds back if the bank never got the funds in the first place which i know for a fact the wire is returned to the client if funds get rejected and at least notify the client when the rejection was stated on XXXX XXXX and with reason its been over XXXX weeks never received the XXXX dollars back and just to add never been notified about this rejection and of top of that they are wasting time and resources for this XXXX dollar wire

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I received Funds that I did not request, in my checking account on XXXX XX/XX/2023 from a company called Lendumo. I DID NOT make a request for these funds. Since, with contact with this company, I learned this is a short term high interest rate installment loan. I did not verify any information with this company. 
I did not sign any loan aggreement. 
I do not have an account with this company or site log in, and am not creating one due to identity theft concerns. 
I have attempted to return the funds sent to me. There have been three attempts that have failed. Its is odd each time funds were available and the amount account not frozen. 
I have filed a fraud complaint, opened new accounts and awaiting this company to withdraw their funds to close the account involved. 

I am thinking now after days past that this isn't a matter of a person stealing my information as much as this company. I filed a police report at their request and a report with Identitytheft.gov.. Forwarded the same to Lendumo, yet they persist with collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

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.

See the documents attached.

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 2023-01-30 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: MS

Complaint narrative:
I noticed Fraud on my account about a week ago. I called the Fraud department at the bank and was told that a claim was being filed and that they would place the temporary funds in my account within 1 business day. That did not happen, I called the back 4 days later for them to tell me that the rep I spoke to did not file a claim but instead put a stop payment on the fraudulent charges. No, because that rep did not do what she was supposed to do I have multiple bills that have been declined and I have been charged late fees because I do not have access to my account or funds. And all they can say is they are sorry.

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 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Im contacting you in regards to a notice stating that I owe {$3700.00} to XXXX XXXX XXXX, located in XXXX. Ive never been to XXXX and Ive never lived there. I contacted the company to see what was going on and they had no record of me ever dealing with them. 
This is a complete scam from some collection agency called Contract Callers Inc. 
Can you please help me with getting this fraudulent claim and charge off of my credit report and help me get my credit score back to where it was before this scam happened? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I was on workmans comp, t and was involved in a XXXX XXXX XXXX XXXX and was taken to the hospital under XXXX XXXX XXXX they were given cbcs info, plaintiff was informed that this was a workmans comp claim, under the company CBCS, they are charging me unlawfully instead of pursuing the workers comp claim, complaintant also believes that they are charging unnecessary amount. I have informed both cbcs  and XXXX XXXX XXXX of this issue. I am being unfairly persecuted and my credit is taking a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 I was returning a call to office of the president for my auto loan. I went through all the normal verification of social security number and date of birth which the rep always thanks you for verify information and says they have account in front of them when they answer. Only this time when representative shouldve started talking it was an open line to which I said hello, several times and then a child started talking said something and disconnected the phone. I called back immediately, explained what happen and they pulled the call. Representative confirmed it def sounded like a child and a complaint would be handled internally!!! What about a security and rights to privacy? How many others times has this representative allowed someone else to do this? I wanted my loan either paid off so I didnt have to deal with them any more and was told there was no security breach????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
For the past few months, a number claiming to be Ally Financial has called me non-stop, several times a day. I tried to block them and silence unknown calls, but then I received a text from my cousin claiming that her and her parents were receiving them as well. Whats interesting, is when calling them, the collectors claimed to be for medical debts ( despite that if you tried calling them back, the automated message is for Ally Financial ).

While telling a neighbor about it, she received a call from them as well, asking for me. My neighbor was not in my contacts list at the time.

The next day, three more family members called to let me know the same thing was happening to them. 
When I called Allys customer service line, they neither confirmed nor deny their connections to the collectors, only that they were sorry.

Several days ago, after a phone call with the CFPB, I answered one of the phone calls and asked for a professional license number. The man I spoke to ( XXXX ) claimed that they were outsourced from XXXX and the best he could give me was a VID (? ) XXXX and that the number to call him back on was XXXX. 

After that, there were several times I answered and instantly asked How are you getting my familys numbers? Only for the caller to hang up on me. 

This morning, I let them speak for a moment before asking the same question. They denied, saying my number was the only one they had on file, and I told them I have angry family members who say otherwise. I told them I wasnt sure how things worked in XXXX, but in XXXX, this behavior is classified as harassment. Interestingly, the caller claimed they were not in XXXX, though I did not let him speak long enough to find out more information. 

The numbers theyve been calling on are XXXX as well as 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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I logged in to my American Express app on the due date for my credit card and paid y bill. The representative is telling me that they received my payment one day late, which is why I was charged a late fee of XXXX. I paid my bill in full by the due date in the application so I should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The CFPB has also gone after the financial institution for wrongful practices with mortgages. That includes customers who were charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure. 

Wells Fargo Bank did not modify my loan and had my home foreclosed and I had to file XXXX XXXXXXXX bankruptcy. 
XXXX XXXX : XXXX Loan Balance in XX/XX/2012 about 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened an account 2015. Money was taken out of my account, apparently fraud. I closed the account. 
I tried to reopen an account a month later, and was denied. Reason stated it was because I closed account due to the fraudulent charges.

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 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft. Someone fraudulently opened a Checking account with XXXX  XXXX XXXX XXXX and A credit card with a {$5000.00} limit that was maxed out. This occurred around the time my car was stolen in XXXX of XXXX ( My wallet was inside my middle console ), They are also a Capital One card from XXXX That doesn't belong to me. My first situation with identity theft occurred in XXXX and then again in XXXX and again in XXXX and now in XXXX and XXXX. I also have been informed that someone has opened an apartment online in my name at XXXX  XXXX. I have never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I logged into my credit card app in XXXX, and it showed that my statement was XXXX so I did not make a payment. I was charged {$120.00} is interest in XX/XX/2023. I have always paid my statement balance to avoid interest when using my chase sapphire reserve credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account # XXXX Form XXXX must be filed regardless of whether the debtor is required to report the debt as income, A status of a charge off on an account is an inaccurate account and it must be deleted

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 2023-01-30 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: PR

Complaint narrative:
I filed a complaint on XX/XX/2022 about XXXX XXXX XXXX XXXX and the response from TransUnion said that they had deleted them, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX XXXX XXXX account which was not accurate, they did not even mention it in their response, and as the same as XXXX XXXX, they added the original lender. In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been inaccurate to be removed, and their original lenders to be removed as well for incorrect information. PR telephone company with a XXXX of XXXX is also inaccurate information, I have actually account with them in good standing, please correct this. XXXX, XXXX and XXXX XXXX are repeated in collation agencies, this account as I said before they have inaccurate Information, they are to be removed. PR telephone company with charge off is incorrect, I have opened more accounts with them, have alway been in good terms. 
Please have this accounts permanently removed, and stop reporting closed accounts every month. 
XXXX. XXXX XXXX accounts XXXX. XXXX XXXX account 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