vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: NV

Complaint narrative:
In accordance with the fair credit reporting act 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 non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been getting the runaround from One Main Financial no matter how many times I call, including 3 calls today last week in one day. I get a different answer each time I call. I've called at least a dozen times and each time I get a different answer and no solution. They assigned me to a branch and when I called the branch, XXXX was very abusive and told me he was going to hang up! As of last week, I've tried to get a payoff amount and get the run around with that. They charge me 36 % interest. The new loan is going to save me 11 % interest and will not have to have a lien on my car! On XX/XX/XXXX their website indicated I have until the XX/XX/XXXX to pay it off, on XX/XX/XXXX, XXXX tells me I have one day to pay it off! Please forward this complaint to the CEO XXXX XXXX. So, he knows how dysfunctional One Main Financial Customer service is! The payoff balance today is more than I borrowed last year, XX/XX/XXXX and is {$10000.00}. 
I have repeatedly contacted OneMain Financial to provide the payoff amount by XX/XX/XXXX and the initial documents that the branch did not provide! I have called them ; emailed them, complained to the executives and the XXXX. The only thing they indicate at their website is that I qualify for another loan. Of course, they are strictly gold-diggers, they charge 36 % interest and still demand a lien on my car! They are costing me 36 % more for my loan! My credit rating was ruined with XXXX XXXX XXXX. I then found out who the liberal banks were, XXXX and XXXX Banks and now OneMain Financial! However, my score then was XXXX but one-time XXXX  In California don't pay me or my son, everything went haywire. I must get the initial documents, the payoff amount and to stop ignoring me. We're severely XXXX seniors ; thus, now a days, liberals don't have qualms about discriminating and victimizing seniors due to our XXXX, ancestry and age!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I would like my personal information to be updated on my credit report. I am now married and I would like for my old information removed and new information updated. 
Name : XXXX XXXX XXXX Number ( XXXX ) XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX Arkansas 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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hard inquires # XXXX XXXX XXXX # 2 XXXX  the XXXX XXXX # premium credit bureaus miscellaneous

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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX la XXXX I gave a down payment for my used XXXX XXXX XXXX {$3000.00} cash on XX/XX/XXXX Upon reviewing my contract it states a credit Which is a violation 15 usc 1605 ( a ) ( c ) This contract is now considered fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
I'm XXXX XXXX, natural person received a collection letter dated XX/XX/2022 from Healthcare Revenue Recovery Group stating I owe a debt of {$180.00} and {$85.00}.

I do not know who Healthcare Revenue Recovery Group is or how they got my private information. They violated my privacy rights and did not have my prior consent to contact me about a debt pursuant to 15 usc 1692c ( a ). They are violating my consumer rights pursuant to Fair Debt Collection Practices Act 15 usc 1692. I disputed this letter on XX/XX/2022. They caused me to be stressed out. I haven't heard anything from them.

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 2022-04-29 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX 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 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 2022-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AES/PHEAA
State: NY

Complaint narrative:
AES has ignored my request for investigation of forged documentation on my promissory note. They have used elusive tactics and verbiage to elude the fact this promissory note is proven to be forged. I have provided the package back with all my signed notarized signatures and samples from documentation-signature past and present- current for comparison. The promissory note was forged by someone at XXXX  XXXX XXXX XXXX * { k. XXXX possibly see promissory } inserts were made, dates were altered, scratched off not signed to verify the altered dates, and this signature is mine. The inserts of persons reference are completely false. The person that altered this inserted friends when they are in fact my family. This altered inserted description is not my handwriting. 
The transfer forged documentation over to Goal Financial from XXXXXXXX XXXX XXXXXXXX XXXX was illegally preformed. They have not provided me with proof of a hand analysis experts to come to conclusion for denying my claim. They are elusive to my inquiries regarding this case. 
I have been dealing with this since 2019 during the hardship of the pandemic, when discovery of the promissory note was mailed to me only because I requested it. I have never received this promissory note and I can see why. It was altered and forged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Credit Control, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with Credit Control, LLC., account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : 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 2022-04-29 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: AZ

Complaint narrative:
On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with XXXX XXXX, XXXX, account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. 

On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved.

Amount Paid : {$760.00} Date Resolved : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my Macey account is XXXX my complaint is that Macey fraud dept closed my account thinking that the account was fraud I told them that all charges are valid. Also I've been a good customer with them van you please have Macey credit set me up a new card

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use Zelle and put my case number in the note on the Zelle payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my XXXX checking account and was paid recently. 

Called XXXX to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for Con XXXX billing. 

XXXX said they would investigate, but shouldn't Zelle be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. Zelle should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own Zelle are abetting criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm having trouble getting Wells Fargo to accept the XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) money or give me an affordable modification. Id like the bank to accept an HAF payment on my behalf- and then have Wells Fargo factor that reduced principal balance into a modification. 

I've been trying to keep my home out of foreclosure since I came out of the COVID forbearance program in XXXX. My mortgage is currently 22 months past due. On XX/XX/22 Wells Fargo said they granted a modification for the XXXX XXXX mortgage on my property. 

1 ) They did not offer any principal/ arrears/ accrued tax forgiveness, even though the housing to income ratio remains well over 50 % and full documentation was submitted. 

Even if I accept the modification, I think the mortgage payments will remain unaffordable and I'll have to sell the property. 

2 ) I have not seen the offer in writing. Wells Fargo said they couldn't send it to me yet because I'm only a potential successor in interest ( non-borrowing spouse ). 
( I showed Wells Fargo my grant deed saying I co-own the house, but the bank said I can't become a confirmed successor until my divorce is finalized. That means I have limited access to information. As a non-borrowing spouse they wouldn't allow me to apply for a modification without my ex-husbands approval. 

The court has given me exclusive use of the house. I have to pay the mortgage in full. My ex-husband wont contribute to the mortgage and is willing to let the home go into foreclosure. 

I'm attaching a screenshot from an NCLC article that says I should not be required to go through my ex-husband for all of this. ) 3 ) On XX/XX/22 the XXXX said it was trying to work with Wells Fargo to see if the company will accept an arrears payment. They said Wells Fargo usually won't accept the arrears payment because my name is not on the mortgage. 

The XXXX said non-borrowing spouses should be eligible for the XXXX funds for conventional mortgages. I'll attach a screenshot of the XXXX 's website with the section about XXXX funds for non-borrower spouses highlighted. 

4 ) On XX/XX/22 Wells Fargo if I don't accept this modification and I wait for the XXXX  program and then re-apply for a modification, the interest rate on the modification will likely go up because mortgage rates are much higher now. However I locked in the modified interest rate pre-COVID. 

5 ) Wells Fargo also said homeowners can't accept the HAF payment and get a loan modification. Is that true? I read on the CFPB that the XXXX  is designed to work with other programs. I attached a highlighted screenshot of the CFPB 's website where it says I should still be eligible for other bank modification programs. 

6 ) Please provide me a reasonable road map for me to get the bank to accept money from the 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 2022-04-29 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: GA

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. 

1.XXXX  XXXX XXXX violated my rights, 2. XXXX  XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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 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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.

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 2022-04-29 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: GA

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. 

1.XXXX  XXXX XXXX violated my rights, 2. THE XXXX has violated my rights, 3.XXXX has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXX violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 8. XXXX : XXXX violated my rights. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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 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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/22 I was applying for an online loan and was scammed through the company that stated that they were XXXX XXXX and that they used XXXX for verification. {$400.00} was taken from my account. I immediately contacted my bank and filed a claim and had to close my account. My bank is still trying to get my money back, but hasn't had any luck yet with it. So I was scammed and would very much like my money back!!

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 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XX/XX/2022. $ XXXX. Bank of America and partner XXXX said they cant do anything right now. Once fund has been transfer through XXXX you cant get it back. Its immediate, but they just let me file a complaint that will take 10 business days. 

I get this robocall at around XXXX am saying This is Bank of America, our bank fraud detection system has detected {$2000.00} being transfer from your account to XXXX XXXX through XXXX. Press XXXX to get with a representative. 
I go ahead and press XXXX This call will be monitor A XXXX guy with a polite cooperate voice answers the call. I google the the number XXXX. It was Bank of Americas number. 
He told me XXXX XXXX was trying to take money through XXXX. I went to my account and didnt see any activity and was confused. He assured me that I dont see it because XXXX has turned off the notification. 
He just needed to get into my account and reverse the transfer. All he had to do was get me to say authorization codes for him to log into my account. Reset my password. Got my ssn. Got my email. See what device XXXX uses to log into bank. 
He put me on hold and said let me get my supervisor to do something, please hold. I thought the guy must be new. 
He disconnected while Im on hold, but immediately got back to me hastily. Im over here thinking wow Bank of America sure cares a lot about preventing fraud before it happens..

Did one more authorization code. Then put me on hold and did something with supervisor. Finally disconnect I waited a few minutes. $ XXXX was being transferred to the actual scammer through XXXX ( XXXX XXXX XXXX ) XXXX XXXX pm. 
I called the number to see what was going on and it was the real Bank of America customer service.

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