vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. Wells Fargo Foreclosed on my house at XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX illegally. I am enclosing this paperwork to you proving that they did this. The person they foreclosed on was XXXX XXXX XXXX, who had a bankruptcy. This is not me. We are not in litigation with Wells Fargo as the case was closed after they took our home and the home of our XXXX children, XXXX of them being adults now. Wells Fargo illegally put a dumpster on our property and took all the contents of our XXXX square foot home and my entire business that was in the garage and my XXXX XXXX XXXX Daughter XXXX XXXX XXXX art work and through it away before they illegally foreclosed on our family. We had also found them cutting our grass and called the Police and the Police made them leave due to trespassing. 

Enclosed is the paper showing a different name that is not mine. 
I have since that time tried to apply for a mortgage and was falsely accused of being a person by the name of XXXX XXXX XXXX and accused of not paying my bills due to this person being in bankruptcy. I was denied a loan with the USDA because Wells Fargo and XXXX Title not doing their due process and putting this person that is not me and foreclosing. 
We have reached out to your agency several times and even bringing the letters I wrote to you on 2 separate occasions which are still on my file and have case numbers proving Wells Fargo would not modify our loan and then in Fraud foreclosed on it. It has just come to my attention in the last week that this paper existed. Wells Fargo is still acting in Fraud as they even with me calling them refuses to pay recompose for their crimes and what they did to our family. I have called them and spoke to XXXX in the last several months and although she was compassionate, she did nothing the first time I called. I was directed to her again to find out where our compensation is for what happened. Now you will once again have more supporting documentation. 
We are requesting that Wells Fargo be held accountable and pay us back for the home, our belongings, and my daughters lost art that she will never have back. She is becoming quite famous on XXXX, and now she will never have her first art due to Wells Fargo coming on our property and stealing all of our belongings before they illegally foreclosed. 

Please Note : They have done nothing. 
Please also if we can be compensated out of the Civil relief fund. Once you read the report I am uploading you will see the crime.

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 2023-06-14 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: 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. 


Account name : XXXX XXXXXXXX XXXXXXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: OK

Complaint narrative:
I XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.

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 2023-06-14 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: OK

Complaint narrative:
I XXXX XXXX, submitted an identity theft through FTC ( federal trade commission ) and uploaded it to CFPB on XX/XX/2023. Per 15 U.S. Code 1681c2, the credit reporting agencies have 4 days to block the information submitted. It has now been ten days past the receipt of the identity theft submission. This is willful negligence as I have provided PS Form 3811 and PS Form 3817 attachments showing I mailed to the companies reporting debt validation requests for over 60 days and not one creditor provided any bona fide evidence. Also mailed validation requests to all three bureaus and these entities did not provide any records as per federal law they are supposed to have records. Not one credit bureaus has my written consent to report, these credit bureaus are private corporations and have no legal basis for their actions and are not immune to being sued. They are ignoring my request and damaging my life as this is harming me from getting any credit. These companies are using and benefitting off my data and information while my family and household suffer. After this final request i will be going to the nearest federal district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase notified me XX/XX/18 that my account was being closed due to a policy violation. I was told multiple times that they would not disclose why my account was being closed. I had not logged into the account or performed any actions within the last year or two so I initially thought it was a scam. After going through weeks of attempts at verifying my identity and regaining access, I realized it was not a scam. 

I am being allowed 3 days to remove my funds before they lock my account again and keep my assets. I have protested four times that they must extend this window as it is impossible to create and verify a new wallet and also because they are preventing me from sending funds due to " security restrictions '' related to the recent lock and unlock of my account. They have only replied to say that my account was closed because of " either : resetting the password, logging in to an unknown device, or connecting to VPN that changes the IP address. '' which I have done none of. 

My funds were not available or accessible to me for the last month and are still not available for withdrawal. I fear I will be locked out of withdrawing them before I am able to and that I will lose all of my assets held with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Dear HMF : Thank you for your response to my original complaint submitted on XX/XX/2023 ( Ref : XXXX ). Please note that I do not accept an apology for miscommunication. And the case is not closed because no resolution has been discussed and reached. 

First, it is not just miscommunication. I was provided with wrong, inaccurate information by multiple customer representatives. And those misinformation have consequences, which HMF is responsible for resolving them for me. 

Secondly, I am paying more than what I was supposed to pay to buy out my lease ( pay off in full ) because of the delay caused by the inaccurate information. Please refer to the two buyout letters generated by your system : one generated on XX/XX/ quoting me the total purchase price of {$42000.00} ; the other one generated on XX/XX/2023 quoting me a higher total purchase price of {$42000.00} ( both letters saying the quotes expiring on XX/XX/2023 ). Please explain the difference. 

Thirdly, I was ready to pay off my lease so I came down to the dealer XXXX XXXX in XXXX XXXX on XX/XX/ to do the payoff. I wanted to pay off my lease before the XXXX payment is due ( XXXX payment is due on XXXX XXXX XXXX  ) but because of all the wrong information given by HMF customer representatives, the payoff has been delayed and XXXX payment was deducted on XX/XX/XXXX  even though it is not even due. 

I request HMF to fix all the mess they created and make sure my lease is paid off as I intended originally. I refuse to pay any additional charges/fees caused by their incompetence & irresponsibility Best 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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
A company that I do not know has reported a collection on my consumer report. I have not opened any kind of account with this company. I do not have any relationship with this company at all.The company is : RENTDEBT AUTOMATED COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had over draft fee wasnt correct from XXXX to 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 monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my 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 2023-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
On XX/XX/2023 XXXX and I were arranging a closing date to sell my house. We were scheduled to close XX/XX/2023. On XX/XX/2023 I received the following email from XXXX  : XXXX, We are waiting on a payoff from XXXX XXXX XXXX ( who is the primary servicer for your HUD loan ) that is currently being worked on with their research department. 



I am told this could take up to 10 days business days. 



I am able to call on Monday for an update and will let you all know at that time if we will have it in time for Tuesdays closing or if we will need postpone closing. 



I will keep you in the loop. Sorry for the bad news. 

Since XX/XX/XXXX between XXXX and I at XXXX  we have been on the phone with XXXX XXXX  XXXX, HUD and XXXX ( where my loan is currently ) for several hours trying to get someone to release the lean on my mortgage in order for the title to be obtained so XXXX has the correct payoff amount and we can go forward with the closing on my house. 

On XX/XX/XXXX I was also told by HUD to make a portal with then and I could receive the information that way. Below is the email I received from them : XX/XX/XXXX Thank you for contacting the FHA Resource Center, RE : Partial Claim - a HUD lien payoff request Dear XXXX XXXX, Thank you for contacting the FHA Resource Center regarding a HUD lien payoff request. Your Service Request Number is XXXX. The information below is being provided to XXXX XXXX XXXX, Your SMART Integrated Portal account request was denied : We do not have record of any outstanding partial claim/loan balance for this property. If you believe there should be, please contact your mortgage servicer. XXXX XXXX if you have further questions. 

Please contact XXXX if you have any questions or concerns. 

Thank you, HUD SIP Customer Service This is an automated message from the SMART Integrated Portal System. 

This email was sent on Friday, XX/XX/2023 on XXXXXXXX XXXX All 3 business state they have no record of this and they all keep telling us to call the other business for the information. We have been going in circles and I was told today that I need a real estate attorney to get this done. This is costing me money I don't have with needing an attorney and still having to pay for my house since we can't close. 

Is there anything else I can do in the meantime to try to expedite this? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
About 2 years ago my First Horizon account was hacked and the person dropped a fake check into my account, i dont remember the amount but it was over {$1000.00}. After they dropped the fake check into my account my account was locked and i never talked to any one about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

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. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 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 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
On XX/XX/2023, I purchased merchandise through PayPal using my PayPal credit card ( issued by XXXX XXXX ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by both PayPal and PayPal Credit ( XXXX XXXX ) has caused me great concern and despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct XXXX, has violated my rights. 

15USC 1681 Section 602 states ; I have the right to privacy 15USC 1681 Section 604A Section 2 states : A consumer reporting agent can not furnish an account without my written instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2019 PAID an over draft fee of {$40.00}. Was only notified via email, which was not the best way of contact to me. 
XX/XX/2019 was notified my account was permanently and quickly closed and sent to collections. Fees during this time were accumulated totaling for a total of {$280.00}.

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 2023-06-14 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: TX

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY. 

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY.

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXXXXXX XXXX XXXXXXXX : XXXX

Company response to consumer: Closed with explanation