vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Open XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
XXXX. XXXX XXXX / XXXX -Open XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
XXXX. XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX - Open XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
XXXX.Wells Fargo Bank  XXXX Open XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF EDXXXX XXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
XXXX. XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
XXXX. XXXXXXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF EDXXXX XXXX - Open XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( XXXX, Balance : {$3300.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$11000.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$7400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 2022-10-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-10-14 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: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I contacted Credit Acceptance Corporation regarding an account that I do not own. I was a victim of identity theft and there were some fraudulent accounts opened up under my name. I have provided documentation such as the FTC report and Police Report which states all relevant information. The company refuses to comply with the legal documentation and is falsely reporting a fraudulent account on my credit reports which is giving me living hardships for a home and a car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
I requested a complete history of my payments so I can apply for XXXX after my XXXX XXXX XXXX loans are separated under the new Law XXXX just signed. They have not provided the requested info and time is running out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid off my car loan in less than 2 yrs. ( XXXX, 2022 ). The dealership had added on some type of additional insurance to my car loan & I was told I would get a refund once the loan was paid. Wells Fargo immediately removed the car loan from the internet so I could not check anything that was going on. The bank representatives said they also had no access to the information. I received a letter telling me to pursue the refund with the dealership. The finance person at the dealership told me that they had already refunded all money to Wells Fargo Bank, but the bank would take 6 months to refund the money to me. I did in fact receive the refund in XXXX, 2022. 
1st, I do not believe this " insurance '' should just be added automatically to loans. 
2nd, Wells Fargo sent out fraudulent information ( and wasted my time! ) sending me to the dealership for my refund when they in fact had already received my money from the dealership and were holding it for what turned out to be a full six ( 6 ) months. 
3rd, I was never compensated or paid any interest during the six ( 6 ) months they held my $ 600.+. When a consumer is even just 1 day late, they are hit with late fees as well as interest & penalties.

Interest on $ 600.+ over six ( 6 ) months is a substantial amount of money that I feel should be paid to the consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
My student loans were transferred to Mohela recently. I have been trying to reach this company by phone ( only means of communication ) for over one week now. You can not email or chat with a representative. Each time I call, I am put in a wait cue for several hours. It doesn't matter what time I call. So effectively, there is no way to reach a live person or have communication about your student loans. 

I am trying to reach them because my reported loan information is inaccurate including my original loan amount and then number of payments made to date. Further more, it appears that I have gone from a interest of 1.97 % to over 4 % on the balance of the loan. My balance of my loan was suppose to carry a fixed 1.97 %. 

Additionally I am seeking and awaiting more information on the Biden One Time Student Loan XXXX XXXX debt relief. Per their site, applicants should receive " notification '' this month. I meet criteria for this debt relief and do not want to miss the deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX 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 explanation
Consumer complaint received 2022-10-14 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: NC

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX 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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TransferWise Ltd
State: IL

Complaint narrative:
This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Myself and my business partner purchased a property from XXXX XXXX back in XXXX during the foreclosure redemption period. All funds were wired on XXXX. XXXX XXXX still transferred the loan to Selene finance at the end of XXXX. Upon knowing this we reached out to Selene finance at the beginning of XXXX Selene would not talk to us until they approve the 3rd party authorization that they received on XX/XX/XXXX. We were told it would take 5-7 days to process and it of course it took longer than that to approve the request. 
We had to make multiple phone calls with no clear answer on why it took longer to process. We are now on call probably 10 with no resolution. We spoke to a supervisor on XXXX who had us email her all the proof that we had to show the payoff to XXXX XXXX on XXXX. That was done. She was also confused about why XXXX XXXX transferred the loan and that she would have the funds that were in suspense applied to the loan so the loan could be closed. She said she would call us back by EOW and of course, that would now happen. We have made several calls and no one has been able to provide us with an update. We keep getting " call back in 3-4 days ''. We are currently on the phone ( XX/XX/XXXX XXXXXXXX XXXX ) waiting to be transferred to an escalation department. We have been on the phone approx 45 minutes waiting. At this point, I am also filing a complaint with the OCC because this is just ridiculous. I have a complaint opened against XXXX XXXX also, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
1.XXXX  XXXX XXXX / XXXX XXXX  XXXX XXXX XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
2. XXXX XXXX / XXXX XXXX XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
3. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX - XXXX XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
4.XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF ED/ AIDVANTXXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
6. XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
7. XXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF ED/ AIDVANT - XXXX XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was charged a monthly fee on an account that opened XXXX plus years ago. The requirements changed and I wasn't notified and was charged {$8.00} a month of years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI TOTAL V 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 2022-10-14 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: Experian Information Solutions Inc.
State: NM

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. 

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 2022-10-14 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: GA

Complaint narrative:
On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
They deined me for a checking 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint CHASE SECTION 1 : CHASE claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put CHASE on notice. 

I gave CHASE an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a XXXX  account, aka the XXXXXXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX , making I the ORIGINAL CREDITOR of any transaction that took place. CHASE never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION 2 : CHASE has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. CHASE admit that I am the original creditor and source of the credit being utilized. 

2. CHASE leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

3. CHASE reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

4. CHASE pay for all fees and fines associated with this matter. 

5. CHASE pays me {>= $1,000,000} in damages. 

6. CHASE is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.

Company response to consumer: Closed with explanation