vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/2018 bought a car from XXXX XXXX in XXXX, AZ. It was as financed by Credit Acceptance. Fours years later, we noticed the total balance is much higher that MSRP listing. We believe there may be unfair/ Illegal practices with 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 2023-02-01 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 FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information Experian Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XXXX XXXX  1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # XXXX XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 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 FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was recently going over my credit file and found some inaccurate items. I have no knowledge of this debt that they are saying I owe. I havent received any phone calls or letters about this, just random emails. In the emails it includes an account number and balance, but doesnt state anything about my right to dispute this debt. According to the FDCPA I am supposed to receive this information within the first 5 days of initial contact. This comes with a civil liability of {$1000.00}. In addition I would like the unverified account removed from my credit profile, as it is preventing me from receiving the funding I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I was supposed to get my middle class refund loaded to the card. XXXX XXXX XXXX said they authorized the deposit in XX/XX/XXXX, card was issued but never received. Tried multiple times to speak with someone, but can not get through automated system. Auto recording said to call back XX/XX/XXXX to report stolen. I mailed a letter in mid XX/XX/XXXX to the address above asking that a new card be issued, I have yet to receive a reply. Today XX/XX/XXXX I called to report stolen and can not get through their auto recorder because it keeps saying I need a card number to speak with a live person. My address is correct and have received all other correspondence from the XXXX XXXX XXXX EXEPT the 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 2023-02-02 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: MI

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-01 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: MD

Complaint narrative:
On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-02-01 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: MD

Complaint narrative:
On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have made multiple attempts since XX/XX/XXXX to cancel XXXX  on my mortgage with this company to no avail. They asked me to order an appraisal on my home, which I did, but the XXXX sent by Dovenmuehle Mortgage severely lowballed my home to make it difficult to cancel the {$220.00} XXXX  fees I pay extra each month on top of my principal, interest and taxes. I am struggling and barely making ends meet just to pay my mortgage because of this extra fee. I fear my home may go into foreclosure. This company is making it extra difficult to cancel XXXX. They keep moving the goalpost each time I satisfy one of their requirements. My home is worth more than what their XXXX suggested. I have had my home appraised by other financial institutions for a higher value ( significantly higher ). The exact same homes, a couple of doors away from my home have recently sold for way higher than their XXXX suggested. Please help me, I can't fight this company. I fear losing my home. This company mistreats its customer just for their benefit. I have provided everything proof of home value they asked for, and I have met and exceeded every requirement to cancel XXXX, but yet they still will not give my application fair consideration. This company has a track record of doing this to its customers. They have horrible reviews and similar bad complaints online. Please help me, I don't want to lose my home. 

Below I have attached the appraisal that Dovenmuehle Mortgage did on XX/XX/XXXX, alongside copies of very close and similar comparables which they failed to consider in their appraisal. I have also attached a copy of a recent appraisal of my home by another financial institution. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 my Walmart capital one was declined for {$200.00}, so I used my bank card. However, capital one still charged my card for XXXX. I contacted capital one and they told me to send in my bank statement and the teller from the bank even printed out a paper that showed the details of the transaction. I was then credited for XXXX. Now, capital one has added back on the XXXX, saying I was credited twice and owe that money. I was never able to use that amount because my credit limit was {$300.00}. I did call capital one again and they told me I used that XXXX and owe that amount. I did not use that and my transactions do not add up to that amount. My credit limit has been. {$300.00} and I have never been able to go over that amount with purchases. I hope you can help. Capital one does not listen or care about their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells fargo has been charging me fees for monthly services for not having over {$500.00} in my daily balance when I have it in my savings balance. They charge me {$10.00} every time I dont have {$500.00}

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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. Navient last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from Navient to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, Navient reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

NAVIENT MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California Statute of Limitations, which is four years. Navient has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. NAVIENT NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX 15 U.S.C 1681s-2 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I were depressed after my father was passes away from XXXX 2020, the first wave of XXXX with no vaccine. I was really frighten and depressed. I left my job, because the environment is a high volume. After taking a year break of everything, it was hard for me to get a job to fit with my environment. My house mortgage went up so high, at least {$600.00} more. I tired to apply loan modification, and I got denied.

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 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Several months back I opened a Citibank , N.A . Accelerate Savings Account. This morning I received an email saying that my account was being closed. I was also locked out of my online banking portal I called the number provided in the email and was routed to the fraud department. I verified my information and they informed me the account was being closed because of a check that was deposited - but they would not tell me the problem with the check that I deposited. I asked the representative if the closing of my bank account would affect my Citi credit card. He said something non-committal like " we are no longer servicing your account. '' I explained that I understood they were closing my savings account but that I was asking about my credit card account. He repeated " we are no longer servicing our account '' like he was on a script. I repeated my question about the credit card. We went around like this several times, and I asked him to please listen to and answer the question I was asking about my CREDIT CARD. Then the representative hung up. 

I then called the number on my credit card. That representative referred me back to the Citibank fraud department. This representative was only marginally more helpful. Specifically, this representative at least had the decency to explain that the reason my account was closed was that I deposited a check with an " unverified address. '' I explained that the check was written out to the address of another home I own where I used to reside. The representative said that the account had already been investigated and closed. I asked when I would receive my money back ( I believe the balance was around {$38000.00} ), and he said I would receive a check in 30-60 days. I asked what right Citibank had to hold my money hostage, and he said it was under the customer agreement. It is inconceivable to me that they can close the account for such petty reasons and refuse to return the funds immediately.

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 2023-02-01 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: Security Credit Services, LLC
State: TX

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

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

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

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

Company response to consumer: Closed with explanation