vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: FL

Complaint narrative:
In a previous purchase dispute and subsequent complaint against PayPal, PayPal stated that I was at fault because I had not 'escalated ' the issue. I looked back at the emails I received from PayPal and realized that a lot of confusion is mostly likely created on purpose. First, I was dealing with 'Office of Executire Escalations ' and my agents title states, 'PayPal Executive Escalations '. I think common sense would dictate that the issue had been escalated. Now I want to be clear, this complaint is ONLY about their 'escalation ' requirement, processes, and communications ' as I believe it is all very intentional to not be clear about this process. In an email dated XXXX which was the warning that case would be closed they state that, 'if you escalate ... ' but yet I believed that it's already 'escalated ' based on what I already stated, it does not state that it is not escalated or how to escalate the matter. Also, why when you file a dispute is there this step to then 'escalate '???? That's the big question and again, it's to create more hurdles for consumers, to create confusion... This matter was very straightforward and in the end PayPal tried to make it appear they took high road and returned the money but the money should have been returned, I returned the product, I sent PayPal tracking info... all I didn't do due to the confusion and extra hoops was their whole escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
This complaint is a consequence of my original one dated XXXX which has been already closed - # XXXX. There, I stated how we purchased furniture at XXXX XXXX XXXX in XXXX  XXXX, XXXX in XX/XX/XXXX. We were lured by the XXXX percent interest in XXXX  months financed by Well Fargo. After the furniture was delivered and we received our first statement showing no interest charged, I assumed no interests will be charged to our account until XXXX XXXX when I had the chance to check our balance and learned Wells Fargo has been charging interests on this purchase. I submitted my complaint to CFPB on XXXX XXXX and Wells Fargo responded with all sorts of statements claiming they were not going to reverse the interests charged to our account. 
I responded saying that we assumed responsibility for not keeping the original receipt from the day of the purchase where no interest was shown. We took a loss! However, yesterday, XXXX XXXX, I received a phone call from XXXX XXXX, Manager at XXXX XXXX, saying we forgot to sign the original purchase contract agreement. That was weird that we get a phone call from the furniture store at this point. She sent the new " fabricated document '' showing an APR of XXXX %. She wanted my husband, XXXX XXXX, to sign it ASAP. 
I was in a shock and disbelieved at how these XXXX companies - Wells Fargo and XXXX XXXX have conspired to fabricate this contract agreement, making sure there was an interest rate of XXXX % on the purchase made in XX/XX/XXXX. The purchase was done! Almost at XXXX  months since all that was made and done. Why out of nowhere they were sending this " new contract ''? Look at all documents attached here. Check how it was carefully drafted - receipts were printed on XXXX XXXX. 
XXXX XXXX tried to tell me that there was aXXXX % interest rate included in our original contract and also stated and we did not understand. That's not true. If so, where is the original invoice? Why are you needing our signature now? After XXXX  months? In complicity with Wells Fargo, notorious for falsifying documents, this woman called us XXXX  yesterday and sent these documents via email. 
Whose idea was it to have her contact us? After this purchase was done XXXX  months ago. Why is she doing this for Wells Fargo? What is the benefit? 
From the beginning this was a joint account. But XXXX was in a hurry wanting my husband to sign this fabricated document ASAP for their records. Check what she sent me in the attached documents.

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 2023-02-08 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: NY

Complaint narrative:
I was alerted by XXXX XXXX and notified by Experian, XXXX and XXXX XXXX that there seemed to be a discrepancy in my credit report, so I printed it out. I recently had fraud on my banking checking and savings accounts, had to close them and open new numbers for these accounts. I became very concerned about this alert from XXXX XXXX and the credit bureaus. 

I found that a " XXXX XXXX '' was on my report. I have no idea what this is, for it does not belong on my report. 

The other legitimate accounts on my report my wife and I do recognize.

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 2023-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In Fall 2019, I was unable to make my mortgage payment for my home at XXXX XXXX in XXXXXXXX XXXX The cost of the insurance, in a flood zone kept increasing and my monthly income is from Social Security and a pension was about {$1200.00}. The monthly payment increased to about {$850.00}, including insurance and taxes. 

I began receiving phone calls and letters from Wells Fargo telling me that I was going to lose my house and ruin my credit unless I paid up my mortgage. Then I started getting phone calls and people stopping by my house asking if I was ready to sell it. They even asked my brothers next door if my house was for sale. When asked how the real estate people found out about my home, they said it was on the Wells Fargo site. 

A person, XXXX, from XXXX XXXX XXXX XXXX, offered me {$11000.00} cash if I would sell them my house. They would pay off my back payments of six months and any outstanding bills ( XXXX ). My neighbor, XXXX XXXX, met with XXXX and a notary public, twice to close on the house. He had only {$3000.00} cash with him. He said that XXXX, the builder, who was going to " flip '' it would pay the rest after the house was fixed up and sold. I have never received any additional money. XXXX XXXX called, and XXXX and XXXX kept telling him I was going to get paid. I did not receive any further payment for my home. The Notary Public witnessed these events. 

In now live in an RV on XXXX XXXX in XXXX, XXXX. I have no heat, air conditioning, and no hot water. I feel that I was lied to by not only Wells Fargo, but also XXXX XXXX XXXX XXXX. If anyone could help me, I would really appreciate it. 

I paid mortgage payments for 20 years, including taxes and flood insurance. My home sold for {$58000.00}. Wells Fargo told me that I did the right thing to sell it. I talked to Customer Service personally. Now, I am sharing my story with you. 

My neighbor and friend, XXXX XXXX, has created this account for me and is using her email address to stay in contact with you. She was also a witness to my closing with 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 explanation
Consumer complaint received 2023-02-08 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : po box XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-08 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I've contacted CB Indigo several times regarding the late payment that's being reported on my credit report. The reporting of this account is a violation of the following : 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 6802 ( b ). 


( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of 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 2023-02-08 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: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of 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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: NJ

Complaint narrative:
Aspen National Collections acquired my 2022 unpaid maintenance fees from Vacation Village a time share that I foolishly signed up for and only use used once maybe 15 years ago. The account representative XXXX XXXX set up a payment schedule to discharge the debt ( now much larger due to their fees ) where I would make 2 payments of {$500.00} in XXXX and XXXX, and XXXX final payment of {$200.00} in XXXX. This was done. 
Thinking this burden was behind me I was shocked to get another bill dated XX/XX/XXXX for XXXX. The letter stated that suitable arrangements had not been made, plus that I was responsible for interest that accrue day to day. I called immediately. They blamed a typo for the issue and stated that the original agreement was a mistake. 
They said they always manage collections in equal payments and any recollection on my part of the rep saying otherwise at the time he set up the schedule was wrong. They made no acknowledgement of any fault on their part and proceeded to threaten my credit and warned that the balance will only get bigger the longer I resisted payment. 
Aspen is bad at Accounting and unfaithful to their agreements. Their fees are predatory and they callously advise debtors to open credit cards to pay collection debt.

Company response to consumer: Closed with non-monetary relief