vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: MI

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 15 USC 1681. 
XXXX XXXX, XXXX credit union : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation

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 2023-01-20 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: WV

Complaint narrative:
The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX FIN Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone XXXX please validate as I believe you are in violation of my rights XXXX XXXX Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22, my XXXX account was charged {$99.00}. I immediately tried to contact the company, XXXX XXXX, who made the charge. I had no idea what the company was and I knew I hadnt bought/ordered anything from them. When I called the number, it was a number that was not in service. I then contacted Wells Fargo Fraud Department to let them know that the charge was not authorized by me. Wells Fargo told me they would look into this, credit my account and let me know the outcome of their investigation. My account was credited on XX/XX/22. On XX/XX/22, the charge was put back through my account and debited from my funds. I contacted XXXX again to find out why. They told me their investigation concluded that I had made the charge and it was my responsibility to pay. Also that I could write a grievance letter and see what happens. I reiterated that I had not made the charge but they would not help me any further. Im appalled at how they have handled my case and taken my money. There are several other charges that I have disputed but have gotten nowhere with the bank.

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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is obligated per the XXXX to provide proper accounting. Consumer has disputed the validity of the debt and requested proper documentary evidence of the accounting such as the journal of debits and credits, promissory note, security agreement and disclosures according to billing error procedures in XXXX2 CFR 1026.13. Consumer extended credit card information, per 15 USC 1602 ( l ), and provided a promissory note in the amount of {$79000.00} to cover the obligation in question, per 12 USC 1813 ( l ). Consumer was also charged a daily interest rate, which goes against XXXX. In retaliation for the dispute, they have charged off my account, made numerous threats of repossession and shared my personal information without my consent to third party non-affiliates, thus damaging my character and reputation. My personal information was shared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my consent. Navy Federal Credit Union has XXXX XXXX to provide me the required documentary evidence according to 12 CFR 1026.13. I will be filing form XXXX treasury to audit the consumers account. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CUSTOMERS BANCORP, INC
State: KS

Complaint narrative:
We paid our loan off in the amount of XXXX on XX/XX/XXXX. Payment was made by our title company. At the same time we submitted a payment of XXXX that was also processed on XX/XX/XXXX. This resulted in an overpayment of XXXX that we were to be refunded back. We had received an email from customers bank on XX/XX/XXXX stating there was an over payment and it would be credited to the account they had on file. We followed up XX/XX/XXXX and received an email stating there was no over payment. We called Customers Bank on XX/XX/XXXX and we were told it was a system issue and they had lost the data and could not process refunds. We have called customers bank today and were told there was a complaint filed but it would take 10 days before we would hear anything. We feel this is essentially stealing and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal, I am writing to express my disappointment and request for resolution regarding my account which was permanently limited 6 months ago. Recently, I received an email stating that my funds were available for withdrawal. However, I have been facing difficulties in adding my XXXX XXXX XXXX XXXX account to withdraw the money. The PayPal security system is not allowing me to complete the process and I am also unable to complete the security checks as I have lost my phone number. 

Furthermore, I was shocked to see that PayPal has deducted my {$260.00} stating that my account has another negative linked account with a different email address. I assure you that I genuinely have no knowledge of this and have lost my hard-earned money due to this deduction. I have tried finding a resolution from PayPal but I am being denied. I assure you that I am innocent in this regard and do not know what to do.

I kindly request PayPal to give my {$260.00} back as it is my hard-earned money and also allow me access to either transfer the money from my PayPal account to another PayPal account or link my bank account by overiding the security checks by using their professional resources and tools. I trust that PayPal values its customers and will take necessary action to resolve this issue.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
they went in to my checking acout and try to pull out XXXX but it was no money in the acout because i have not schule a payment i all ready sen theme XXXX on XX/XX/XXXX XXXX was no money for theme to take out on XX/XX/XXXX XXXX and when i went to try to pay them on line they lock my act and told me that i hand to pay them XXXX before the can remove repojecting off my suv.so i pay them XXXX .and noe the telling me istill hold them XXXX wich i dont because they recive the XXXX out of my check acct.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting an account on my report twice. XXXX XXXX and XXXX is the same company. There are multiple inaccuracies within this information and needs to be deleted. The collection company is the same. The creditor 's names are different but XXXX changed their name to XXXX XXXX which makes this the same company. Amount owed is the same. Account numbers are the same. Delinquency dates are the same. This account is the same account reporting twice and it needs to be deleted. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Naviet has a student loan of mine and it was not deferred like the rest of my student loans and I pay when I can. However, that is not the problem they have gone from just calling me on the phone to harassing anyone that has my last name. they are cold calling people that I havent spoken to in years that have my last name. They are also sending me the same bills but in fun colored envelope to ensure I open it, they even went as far as trying to send me a XXXX  card that actually just had the billing it. Its extremely disturbing the levels they are going to. It is very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX | XXXX XXXX original Creditor XXXX XXXX XXXX XXXX | Account name : XXXX XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX & XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX   Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number : XXXX | Account name : XXXX XXXX XXXX Account number : XXXX | Account name : XXXX XXXX Account number XXXX XXXX | Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fees charged incorrrctly

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For an extended period of times during a financial hardship I had been charged with overdraft fees from Wells Fargo.

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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business XXXX XXXX XXXX is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

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 2023-01-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
UPDATED AND NEW INFORMATION ON EXPERIAN : On XXXX  I stated that EXPERIAN has made false statements and violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ). You can see more information about that and my identification information here : CFPB CASE NUMBER:XXXX Today is the XXXX day ( XX/XX/XXXX ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i ( a ) & 15 usc 1681i ( a ) ( 5 ). Experian has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer 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 2023-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-01-20 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: MI

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 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under fraud for identity theft. 
Address proof sent. Please delete these items. 

Delete the following : * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXX XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX ( Bank ) * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/XXXX * Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXXdismissed, wrongfully filed under my social *****FTC report and ID and address verification 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have complained before and the department just put ne on hold. I do know that all calls are monitored and recorded. And that to me is my only way of providing that I was mis treated by this company.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/ I deposited XXXX check into my Wells Fargo checking account. I was given a small portion of the check upfront and was told the rest would be available the next day. The check was a available the next day, then the money disappeared from my account. After panicking I called Wells Fargo and was told the money will be held for a week and the reason I was given was previous overdrafts on my account. This caused me great harm not being able to show proof of funds for a home and ultimately loosing the bid as well being late with a bill. Wells Fargo was sued because of these practices I believe I should be compensated.

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