vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to XXXX XXXX XXXX Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Experian is in violation with account U.S. DEPARTMENT OF EDUCATION Acct # XXXX for not marking the account as disputed and also not updating the status/balance update. This account was disputed in XXXX but yet shows last time it was updated was in XXXX which is a violation. Evidence below

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My wife and I had Wells Fargo 's checking accounts and constantly got charged overdraft fees even when money would be in there. If we had automatic payments set up, they would wait to deposit any money after payment was set to come out, even though we would put money in well before due date.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XXXX, XXXX I tried to open a Checking Account at XXXX XXXX XXXX in XXXX, IN and was denied! They let me open a savings account but because of ChexSystems " Notice of Adverse Action I was unable to?? XXXX said to contact ChexSystems and I got someone that could hardly speak XXXX and she had no desire to help, hung up on me! My Bank said has nothing to do with Credit Score as they do NOT even look at that! What do I have to do to get this Checking Account open?? XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On or around XX/XX/XXXX I spoke to XXXX in the Mortgage Customer Services ( she refused to give her last name and i.d . ) and learned that the payments were not processed from my joint checking account, upon checking the account I learned due to processing fee for NSF the account was short. I gave my second bank account number along with the routing number after making the missed payment to XXXX. After, giving her my XXXX XXXX 's account number I changed my payment of HELOC to take out auto pay from XXXX XXXX Bank 's account. I explained this situation to the representative and told her that I changed my payment information on XX/XX/XXXX to move forward with processing from XXXX XXXX account and the representative said they don't have any information then I told her that check the recorded records of the conversation she then transferred me to another department and when I asked their names they refused to give me. I then informed the supervisor that I gave them my XXXX XXXX Banks information he said the recording does not have that information and I am wondering when the user calls the Bank it says your voice and conversation is being recorded and how come they don't have that information. 

In the month of XX/XX/XXXX I came across a missed payment letter along with penalties interest and fines and this resulted in the credit rating and again on XX/XX/XXXX I processed my HELOC payment with fines. 

The Bank of the West ignored and overlooked with their negligence the payment information and kept charging me multiple fines on my personal joint checking account and again on my HELOC 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 monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been reaching out to Barclays for some time already and inquiring about my XXXX miles promotional offer by completing the following terms 1. Pay annual fee of {$89.00} 2. Spending {$3000.00} in 90 days. My statement closes every XXXX of every month, today is the XXXX and my promotional offer of XXXX miles has not posted yet to my Miles & More account. I call Barclays and all I get are transferring of calls and the run around. I need straight to the point, accurate and clear answers.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They just closed my account for no reason after being a loyal customer since 2015

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 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The Revenue Group has begun blowing up my phone calling me everyday from different phone numbers in an attempt to collect an alleged debt. The Revenue Group has never sent me a written notice about any debts owed. The Revenue Group has never sent me a notice providing me with the right to dispute the debt. They call my mobile phone during the day and at night. I have no idea why they are calling me. I have not been notified of any debts owed in writing. The Revenue Group has denied me the right to dispute any alleged debt and/or to contact the original creditor to make payment ( if owed at all ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
Net Credit continues to communicate with me. On XX/XX/22 I certified mailed them a cease and desist which they received. The cease and desist stated to cease communication through ALL mediums. Net credit continues to communicate with me through email and my consumer report. Further more Net Credit failed to provide clear and conspicuous information about this credit transaction that is pertinent in my decision making regarding this transaction. Due to their failure to provide CLEAR AND CONSPICUOUS adequate notice I was unable to make an informed decision on this credit transaction thus making the agreement with this company NULL AND VOID. Net credit is to cease all communication regarding this alleged debt through ALL mediums including but not limited to mail, email, phone, and ALL consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received a predatory loan in 2005. Wells Fargo took over the predatory loan and tried to foreclose on my property. There were two loans issued a first and a second. With the help of the Attorney Generals office several years ago I was able to save my home and rewrite my first mortgage with Wells Fargo. Wells Fargo was to discharge the second mortgage as I was given a XXXX modification. They did not discharge that second mortgage and sold that predatory second mortgage off. As a result of this many companies have bought the second mortgage and now the last company that has obtained this second mortgage is for closing on my home. I believe Wells Fargo was to discharge this loan not to sell it off.

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 2023-01-20 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 XXXX XXXX, have filed a dispute with the respective three credit bureaus XXXX, Transunion, & XXXX. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed 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 non-monetary relief
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
I XXXX XXXX, have filed a dispute with the respective XXXX credit bureaus XXXX, XXXX, & Equifax. It has been well over 30 days since I filed an FTC report under # XXXX and sent it to the three credit reporting agencies on the XXXX of XX/XX/XXXX in which it is now XX/XX/XXXX 44 days and have not heard anything back! However, not only has these bureaus ignored my request for inaccurate information contained on my credit report they have sent me irrelevant letters stating that these disputes are not from me and that I must send identification for proof of identity in which I have already included in these letters. I am not horsing around with these credit reporting agencies that believe they have the authority to supersede the law in which I am demanding respectfully to be provided proof of these alleged items, specifically the contract, role or other instrument bearing my signature that verifies these alleged accounts or I will be filing a claim in federal court if these are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX $ was wrongfully taken out of my account and I was charged {$700.00} and they closed my account a few years back I can get all the information. I still dont know what to do.

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 2023-01-20 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: PA

Complaint narrative:
A bank manager issued me a credit card. He told me that the card was not secured and that my money would not be affected. When I checked my balance my XXXX was gone. 
I was never given my money back. I paid the balance of the card but money was never refunded.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried depositing my paycheks at the CapitalOne Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but was told I needed to furnish a government issued ID card which to my knowledge is illegal in the State of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I had a home but lost it to foreclosure. I started with a low manageable payment but yearly it increased to an unmanageable amount. I had to XXXX lose my truck cause i wanted to keep the house then eventually i lost the house.

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 2023-01-20 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: AL

Complaint narrative:
Account name XXXX XXXX Account number : XXXX and XXXX On XX/XX/2018 loans was took out in my name fraudulently. Due identity stolen i sent documents to three credit bureaus to do investigation on this matter. 


In accordance with the Fair credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A States I have to privacy. 15 U.S.C 1681 Section 604 SECTION 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I receive earnings to the XXXX XXXX XXXX and the card has been listed as expired preventing the use of the card without notice and I am unable to get information on how to access funds or speak with proper support about the issue.

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 2023-01-20 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:
My Identity documents, were lost in the XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have become a victim of Identity Theft, as a result. Effective XX/XX/XXXX, at XXXXXXXX XXXX est, IAM, requesting XXXX, XXXX, and TransUnion, BLOCKED AND DELETED, all fraud items below. LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. 

XXXX : Addresses : 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 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 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 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 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 2023-01-20 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: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had checking and savings accounts. I also had a reloadable debit card. Wells Fargo converted the reloadable debit account into a primary checking without my knowledge. In XXXX I deposited about {$20000.00} from XXXX savings into the account. I then wrote a check for a car purchase. It took XXXX a week to release the funds. They told the dealer it was not a good account. I was embarrassed because I never had overdraft or any other problems with my accounts or credit. I already had the car in my possession. I had to call the dealership every day for week to assure them the funds were good.

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 2023-01-20 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: IL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC
State: MI

Complaint narrative:
Plaintiff, XXXX XXXX, has not received confirmation nor certified testimony that the defendant ( s ) complied with the FDCPA, XXXX, and/or XXXX and all its mandated rules when it comes to debt collection. Therefore, Defendant ( XXXX ), Starmark Financial LLC and XXXX XXXX XXXX, is to present Plaintiff a certificate in testimony that the alleged debt presented in the attachment labeled Exhibit A is compliant and not subterfuge. ******copied from affidavit attached to this complaint******

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