vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: Alorica Inc.
State: IL

Complaint narrative:
This complaint is in regards to a personal loan that I originally took out through XXXX  which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/ the balance of XXXX before I did this on XXXX I also cancelled the automatic payments so another payment was not drafted on the due date of XXXX  Upon checking my account there was an automatic payment still being withdrawn after I canceled the automatic payments beforehand and also verified them being cancelled via a phone call with an SST representative. Part of the original loan agreement with XXXX I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within XXXX days. As of today XXXX  I have not received the XXXX over payment that was drafted after canceling the auto payment or the XXXX plus interest and phone calls to this company have had no resolution to this I am being told that my savings can not be transferred until my account is closed and my account can not be closed due to the XXXX overpayment which was requested to be refunded and was denied. I am being asked now to send a portion of my bank statement containing my personal information showing that I made both the XXXX payment and the XXXX even though it shows that I made these payments on their website. After sending this email as requested I have received no 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have provided Transunion as well as XXXX & XXXX collections with all proper documentation and requested validation of the debt and still have not gotten any information besides a bill and amount. I keep being told that that's all they have and by Transunion they keep saying that XXXX & XXXX is just sending a electronic response that the debt is validated with no documentation -- - I have also provided my FTC report for fraud and they still will not comply This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provision of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the above-mentioned derogatory item be investigated and removed permanently from my report. 
I await your reply with the above requested proof. Upon reviewing it as this is my XXXX request for validation without any response I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX This has been sent XXXX different times to both companies. 

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me, the following alleged account listed as a collection with a PAST DUE BALANCE OF {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Michigan XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX of 2021, my husband and I were forced into illegal eviction. We were 15 days past due. Given the eviction moratorium, we would have more than enough time to make up for the late rent and therefore we challenge eviction, and the charges that we're processed. 

The debt in invalid as the landlord processed an illegal eviction and didnt work with us to process any of the federal assistance programs resulting from the pandemic assistance.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was charging my bank account fees without my knowledgedge. I closed my account due to the misrepresenting their fee structure between XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received the results of a disputed collections account on my Experian credit report. I disputed that the account being reported by XXXX XXXX XXXX belonged to me and requested an investigation into the validity of the alleged debt. 

Experian has come back and stated that the debt has been validated. However ; when I look at my credit report Experian is reporting inaccurate addresses associated with my account, even after I disputed that these addresses belong to me. XXXX XXXX has never sent me any letters in the mail & if they have they have been sent to an incorrect address. 

Please review the attached documents and let this be a notice that I dispute the validity of the addresses being reported on my credit report. There is no way that XXXX XXXX debt could have been validated, otherwise my correct home address would be listed as my current address with Experian. You are required to ensure that all information on my credit file is accurate. 

From my research XXXX XXXX XXXX XXXX belongs to an Apartment complex community. There is supposed to be an apartment number attached to this address. Paperwork that XXXX XXXX XXXX alleges to have sent could have been sent to any Apartment # in that community. If this address or any of the addresses currently listed on my credit report where used to validate the debt that XXXX XXXX XXXX alleges that I owe ; I demand that this debt be removed from my credit report for inaccurate reporting and for failing to do a proper investigation. 

Please also be advised that I am disputing the accuracy of the XXXX and XXXX addresses on file as well. I request that the addresses that they are reporting do not be used to validate a current or former address/ and or any alleged debts.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me higher fees and interest for my XXXX series XXXX XXXX. The payment didnt apply to the balance and it leased to higher fees and interest. At the end, the repossessed my car wrongfully. 
It was a $ XXXX car that I lost due to their incorrect charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Being charged with overdraft fees even though i transferred funds from savings account to cover the bills that are about to come out of my checking account. It happened twice last year and one time the year before that. And every time I called customer service they stated that the system processed the debited transactions first before the crediteven though I have either deposit cash at the ATM or transfer directly from savings with them myself first. And when they realized that I was correct, they only refunded half of that overdraft fees.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
-Submitted for XXXX XX/XX/XXXX with XXXX XXXX was moved to MOHELA XX/XX/XXXX -MOHELA still has not processed for the years XXXX  -Had a full application with signatures and dates, but required an updated employment verification for current job, sent on XX/XX/XXXX -Notified today XX/XX/XXXX that signatures were missing on forms. No signatures were missing.-Contacted them XX/XX/XXXX they said the entire application needed to be resubmitted and showed they had no other forms from me. 
-Notification while on hold with MOHELA says they will only process applications submitted by to XX/XX/XXXX. It appears resubmitting will be outside the window and cause the application to be denied. 

-Contacted MOHELA numerous times to get clarification, told multiple times it would be another 90 days. It has been 1 year and 2 months trying to get them to count the payments. My wife submitted her application at the same date and time and her application was processed by XXXX  and forgiven in XXXX of XXXX. 
-MOHELA was contacted on XXXX XXXX XXXX XXXX XXXX and multiple times on XX/XX/XXXX -How do I get them to count my payments on my original application before the window closes on the XXXX? This process has so far taken over 14 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I just couldnt get my money when I needed it the most

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: NY

Complaint narrative:
I had a account with Wells Fargo sometime between XXXX had money deposited into my account, never touched that money for 2 years, one day i decided to close that account and withdraw all my money because I had moved and there was no Wells Fargo bank nearby, when I went to withdraw my money from the Wells Fargo bank and close my account they said I owe them money to close the account, they had charged me all sorts of fee for not using the account and not using their cards, so they charged all fees and over drafted my account and resulted in negative balance, later I had to pay additional {$200.00} some to close out my account.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2022 TransUnion deleted every account on my credit report. Over the following week my credit score with TransUnion dropped by almost XXXX points. Prior to their ADMITTED error my score was XXXX and dropped to XXXX overnight. Since they rebuilt my credit report my score has increased to a current score of XXXX, but is still far below where it was. During this time my XXXX score has stayed above XXXX. This error was, and is, completely due to the inability of TransUnion to properly, and legally, maintain my credit score based on my actual history and credit usage. While they have repaired the problem that TransUnion deleting every historic item on my credit report, to the tune of XXXX current and historic accounts, by rebuilding and reinstating the accounts of record, the damage to my credit score persists. Again, they acknowledged and have repaired THEIR error but my credit score has not recovered to where it was previous. 

You will see from the two TransUnion provided credit reports, one dated XX/XX/2022 and one dated XX/XX/2022 the difference. The XX/XX/XXXX report shows my entire credit history and the XX/XX/XXXX report shows the report AFTER TransUnion deleted my entire history from my 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 2023-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX5 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to TransUnion. That after 3 months they still have not responded.

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: 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: NJ

Complaint narrative:
A fraudulent account was removed from both my XXXX and XXXX accounts by the furnished but transition claims to only see it as an inquiry which is not what is reflected on 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 2023-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I owned a house in XXXX, New Hampshire ( XXXX XXXX XXXX ) and was foreclosed by Wells Fargo in XXXX even though I applied for Mortgage Modification, and thought I was approved but they still foreclosed. I was evicted in XXXX of XXXX but still filed for relief and eventually, as part of a government settlement, I received a check fir {$6000.00} ( the maximum payment ) .... which I tore up and mailed the pieces back! 
My mortgage was 2 months and seven days late and I mailed a check ( which they a cashed ) for the 3 payment .... ... but this did not stop the foreclosure... I also had an equity loan which as up to date and after the foreclosure of the mortgage they unilaterally closed by equity loan... I addition I found out they masked their financial mendacity by making reference to the person we bought the house from and not the foreclosurdeed ... .. Also I had an attorney ( XXXX XXXX XXXX XXXX NH XXXX and he might still have al the record which I left with him for safe-keeping., I thought after all time all was lost but now is the time. 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In 2010 I had a VA mortgage on my home in XXXX XXXX, NV through Wells Fargo. When the housing values dropped out and the government gave money to financial institutions so homeowners could refinance their homes at fair market value I was turned down for refinancing through Wells Fargo. I called and offered to refinance my home at twice the fair market value and was told numerous times " no. '' Wells Fargo told me they would start foreclosure proceedings if I didn't make my payments. I was current on all my payments until this point. I told them I would honor my mortgage contract by surrendering my home since I wasn't going to make payments on it. They told me they don't want the home, I told them I didn't either. They started the foreclosure process but before it finalized they called and encouraged me to do a " short sale. '' I told them I didn't know what a short sale was, they explained it to me. They never told me it would damage my credit or impact my future buying power with the VA, they just told me it's a way to avoid foreclosure. I didn't know any better so I agreed to it. They accepted a buying offer of approx. XXXX which was much less than the XXXX I offered to refinance it for myself. I felt I was extremely mistreated by Wells Fargo during this process and still today have a reduced amount the VA will guarantee a home purchase for since this transaction in 2010 with 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 2023-01-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation