vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: SC

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX, XXXX  has me listed for collections on my credit bureau reports for {$730.00} In or around XX/XX/2022. I noticed this when I recently pulled a soft credit bureau report on myself. I called them because I have no idea what this could be for and I was told that it was for a fitness club membership at XXXX XXXX XXXX XXXX. I have never lived in or near, nor have I ever even visited, XXXX XXXX or joined an athletic/fitness club . I have only lived in XXXX and XXXX XXXX  I informed XXXX XXXX XXXX that they have incorrectly added this collection to my credit bureau report and I was told that I would have to file a police report with the local police department and then email Allied the police report along with a copy of my XXXX  Driver 's License. This seems suspect to me and I shouldn't have to submit my personal information to some unknown entity to have their error corrected. For all I know this could be a scam and they are trying to get my personal information for further fraud. XXXX refuses to correct their error if I don't comply. I believe they are in direct violation of FCRA and I want this fraudulent fitness club collection removed from my all my credit bureau files immediately. Thank you.

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a loan with Wells Fargo. Got in a car crash and car was totaled. The insurance company paid of the remainder of the loan but Well Fargo added fees to the amount which then they sent to collections and have negativaly effected my credit score. They have been hounding me for XXXX yrs to pay a balance that should not exist and have added penalties and other fees to the amount!!

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MA

Complaint narrative:
I received notice that a charge was attempted on my account. I notified the company using their available methods but they refuse to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Having overdraft fees when i wasn't supposed to and being charged and told I wasn't eligible

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: FL

Complaint narrative:
I'm filing this complaint on behalf of my XXXX XXXX XXXX son. My son opened a Discover Card account while he was in college. At that time,XXXX, he had a part time job and I wanted him to start building his credit. His stated annual gross income was {$2000.00} and Discover gave him a {$750.00} line of credit. My son now has a {$6600.00} line of credit and he has never asked for an increase. My son 's profile on the Discover Card website indicates that he still has a stated annual gross income of {$2000.00}. My son is now out of college and looking for a job. In the course of looking for a job in the past year, he has reached his credit limit. On XX/XX/2023 my son and I conferenced called Discover Card to try to negotiate a reasonable payment plan. After speaking to XXXX agents and over an hour on the phone, the best Discover Card would do would be to lower his APR to 16 %. I do not find this acceptable and I don't understand how a person with a stated stated annual gross income of {$2000.00} can get {$6600.00} in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
This company XXXX, I have never heard of this company before let alone know what they do, they say I opened an account with them 7/8 years ago in which I did not, asked for proof they told me they sent nothing ever received in the mail or email pertaining to this. Worked with XXXX  to get this removed off of credit because it meet the statue of the 7 year limit because it has hurting my credit in the collections portion, Ive tried for years to get this removed got it and now its back on my credit as if I opened another account and didnt pay this fraud and identity thief I believe my information was sold on the web. Im going to be buying a home soon and this hurts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The company was Wells Fargo, I believe i was incorrectly charged for GAP insurance as well as other 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 2023-01-23 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: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
My PayPal account was banned without any reason in XX/XX/2022. I received a notification saying that I will be able to withdraw my PayPal balance after 180 days. On the XXXX of XXXX I received an email from PayPal saying that my PayPal funds are now eligible for withdrawal. But when I tried to add my bank account, I got some error. Then I called PayPal support, but they were not able to help me and just told me to try again after a few days. It's been 3 months, but I'm still not able to add my bank account and withdraw my money. Every time I'm trying to add a bank I'm getting an error " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' And every time I contact PayPal support they just tell me to wait. I'm tired of this and just want to get my money back. Please check the issue with my account and allow me to add a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried numerous times to contact Wells Fargo in ref to an illegal foreclosure. I lost my property XXXX XXXX XXXX XXXX XXXX XXXX XXXX in either XXXX or XXXX. They claimed I never paid my mortgage, lie number 1. Then they claimed my payments went into an escrow account, lie number 2. Then several attempts to apply for a modification which went nowhere. Since then it's my understanding a settlement has been reached and since I have had to move several times since then I still have not received any notice of settlement from from this institution. ( Wells Fargo ) can you help me? XXXX XXXX XXXXXXXX XXXX was their servicing company.

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 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
i had a debt in collections listed under the name LVNV FUNDINC LLC that i won the judgement against and had removed from my credit report in the amount of {XXXX Now this company is putting me back into collections again for the same XXXX} that i won a judgement against them for, but under a new company name listed as XXXX XXXXXXXX So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I have written letters and called but I have not got a response. My credit report has inaccurate late payments which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NV

Complaint narrative:
I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, XXXX, and TransUnion. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates.

These are clear violations of my federally protected consumer rights.

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 2023-01-23 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: NV

Complaint narrative:
I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, Equifax, and XXXX. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2022 I deposited a personal check for {$75.00} I also deposited a XXXX Treasury check from my retirement plan that was {$1600.00} into my Citibank checking account. I have called over 100 times to get an answer on where my money is and why they are telling me i will not get any of my money back.

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-01-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I need my report to reflect this address. I haven't looked at this report since XXXX. My address was XXXX XXXX XXXX, XXXX tx 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 2023-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was looking through my Great Lakes account and noticed a positive balance of {$XXXX}. In XXXX to XXXX validations of debts. I need this information to be clear and concise as possible, I want to know the amount of the debt owed, the name of the creditor whom the debt is owed. Also I need this organization to validate this debt, verify this debt which means to send me the name and address of the original creditor and send copy of the verification too. Provide me with the name and address of the ORIGINIAL creditor. I need to know this information to understand who I extended credit to and only the original creditor has the power to validate this debt. I am disputing this alleged debt and I refuse to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Today, XX/XX/22, I contacteXXXX XXXX XXXX XXXXXXXX XXXX XXXX  about a debt owned by Absolute Resolutions LLC about a debt I allegedly owe them. During this conversation they threatened us with a lawsuit, and threatened us with having to pay their lawyer fees, court fees, and their other costs. They attempted to refuse a debt validation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I was feeling very XXXX, XXXX, and ill amongst other symptoms. I felt like I was going to XXXX. The nearest medical facility I could get myself to was XXXX XXXX XXXX in XXXX  XXXX, When I arrived, I presented my medical ID card ( I have XXXX XXXX to front desk and explained my XXXX. I was later diagnosed w/ XXXX. A few months later, I received a bill in the mail. It is state law that for XXXX covered patients, a bill should not be provided to a patient for medical emergencies. I gave the bill to my health plan and they covered some of the bill and XXXX XXXX sent the remainder of the bill to this collections company-who I have no knowledge of or have no prior dealings with. This has affected my credit score. I have tried to work this situation out with XXXX by explaining state law and seeing if they can work with my health plan, I have also tried to send a complaint via CFPB as well because they threatened me on numerous occasions to send this bill to collections but a bill should have never been sent to me to begin with due to state law. Now the collections company is sending me bill collections for a debt that is not due/owed. XXXX XXXX went against state law and now my my credit is affected by that with this collections agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
had multiple items clear my checking account that had no available funds or overdraft protection called the bank on XXXX XXXX XXXX and spoke with XXXX in the call center who was unable to explain how the items were cleared causing a negative checking balance as well as multiple overdraft charges these are items that i did not authorize and have never been paid in the past when using only a debit card since XXXX was unable to explain to me she transferred me to XXXX at the XXXX branch who told me those funds would clear since i authorized the payment i asked how the funds would clear since i didnt authorize the bank to clear them and now i am stuck with almost XXXX XXXX dollars in overdraft fees on top of the items that clear putting my account at over XXXX XXXX dollars in the negative again she couldn't explain just asked me if i was interested in an overdraft account which i advised i was not i just wanted to know how the funds cleared and she kept asking me if i was authorizing the overdraft fees which made me laugh because why would i finally i explained my frustration and asked for the overdraft fees to be returned and she told me since the items were paid i owed the fees then told me i do have an overdraft of XXXX XXXX dollars but couldnt tell me when i signed up for it i have had a good account and only use it for personal transactions but i feel that once again no one is able to explain after i have not had any incidences on my checking account for some time XXXX could only go back to XXXX where a gas station charge was made and the following day a deposit was made so no overdraft charge was made she explained the overdraft charges i received last week were due to the account not having a balance and in the negative for a few days i told her i knew that thats why i am calling but not getting anyone to tell me how it happened i am hoping this gets to the correct person because i have tried to handle this directly with the bank before making this complaint

Company response to consumer: Closed with monetary relief