vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my Experian Credit report and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a XXXX form for tax purposes as the debt has been canceled out and is reporting as income to the XXXX XXXX XXXX I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 

XXXXXXXX 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 2023-01-12 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: EQUIFAX, INC.
State: PA

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 Account name XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-01-12 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: PA

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 Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX  # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau reported on my credit report that I owe them XXXX dollars. I never received anything from them to even acknowledge the debt. Ive never had any dealings with the company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed my account over the phone on XX/XX/15 and received confirmation. Since then I have attempted to contact Wells Fargo by phone several times but they have not been able to tell me if a cashiers check has been issued for my remaining balance of around XXXX 

Today I visited the branch that opened my account and they claimed the check had been sent but was lost in the mail. They were not able to provide a tracking number to verify this. They said I would need to pay a fee of XXXX  to reissue the check and I refused. They said if I would not pay for the check to be reissued I would need to wait until the end of 90 days before they would reissue me a check.

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 2023-01-12 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), Credit Acceptance Corporation, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and Credit Acceptance Corp and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. Credit acceptance corp is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX2018 and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the surgery ( XXXX hospital XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.

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 2023-01-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my Experian. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX  ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and Experian are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute.

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 2023-01-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX {$430.00} XXXX  XXXX # XXXX {$470.00} XXXX XXXX  # XXXX {$200.00} XXXX # XXXX {$390.00} XXXX XXXX # XXXX {$1600.00} XXXX # XXXX {$850.00} XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo re-instated my loan in XX/XX/XXXX, after XXXX years of unsuccessful attempts. 
In XXXX I made a lump sum payment to bring my loan current. Wells Fargo did not apply that renovation loan money to my past due. Nor did they inform me how the XXXX would be applied. After XXXX  years of disputing the issue, they agreed to reinstate the loan. 

Yet they never waived the penalties or interest ( ALL CAUSED BY HAPPILY TAKING MY XXXX, yet applying non to my past due balance ). 
I have made on time payments again since XX/XX/XXXX. 
As of XX/XX/XXXX Wells Fargo has taken the unpaid months and added XXXX to my principal balance. 

All of the fees for the XXXX years should be waived due to their error. Should also be waived for they never wanted to reinstate the loan during the XXXX year ( XXXX ) time frame. 

Reasoning is I own in a Gentrifying zip code. my property value has shot up XXXX in XXXX years. I have news articles if the large parcels being assembled in my area and sold to a specific individual. It was developer XXXX XXXX who brought a legal case, that shed light on the matter. Because he was promised the foreclosure lots/homes/parcels, and they were given to someone else. 


I am asking that these XXXX years of fees/penalties/missed payments, are not added into my principal XXXX months after this matter was supposedly settled. 

I am also asking to be compensated for I have read Wells Fargo has settled a CFPB case and individuals who were financially harmed would be made whole. 

All of this started when Wells Fargo Emailed me that there Renovation department was closing and the money I had not yet used, would be taking back. 
This is Renovation money for a Primary Residence I can still not live in to this day. 

These situation on a whole has ruined my credit, and I can not finish my home. only pay the mortgage. IF there renovation department didn't close, I have been wronged.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Do LVNC founding company threatened me placing debt collector on my credit report with out notify me about this matter I requested full disclosure an sign documents saling my personal information to uptain founds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and BBB. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now equifax and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from XXXX bank that shouldn't be on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I Seen these inquires on my account and will like for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was scammed by a person via XXXX after I was threatened with jail time and court for an old debit. Citi bank refuses to give me my money back even though I don't know this person and it was a scam. This happened on XX/XX/2023 at XXXX pst.I called Citi customer service and they refuse to return my money.

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX  I received an email from Wells Fargo that there were fraudulent XXXX transfers made from my account. They were in the following amounts : {$100.00} Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Wells Fargo immediately and was informed by a representative that they would be locking my online access to prevent more fraudulent charges. I also deleted XXXX from my account, as I had never used this ETF service before. I reported that my phone was out of my possession the previous day and could have been accessed by someone else. ( Despite my face ID being activated on my cellphone ). I also filed a police report to report the online fraud. 
I filed a claim XXXX XXXX XXXX XXXX, which was denied on XXXX. I contacted Wells Fargo on XXXX XXXXo ask why it was denied and was told that research showed the charges were made from the same IP address and could not be fraud. The rep would not provide me any further information upon my request. At this time, I repeated that my phone was out of my possession the day before the charges were made. 
I went into a Wells Fargo branch on XX/XX/ to file a complaint ( # XXXX  ) regarding this issue, as I was told I could not appeal the decision. I was then contacted by a complaint representative who looked into the claim denial more and was told that the transactions occurred from fingerprint access to my phone. I have never used this security feature on my phone, so this is not accurate. This is also inconsistent with the previous rep telling me that it was used from the same IP address.

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 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: TX

Complaint narrative:
This complaint is in regards to Midwest Loan Services ; located at XXXX XXXX XXXX, XXXX floor, XXXX MI, XXXX, who acts as a Mortgage Servicing company. The company recently updated their website and no longer allows consumers who are in bankruptcy to make payments online. 

Prior to this update I received an email notification regarding new login instructions. However, at no point did these instructions or any other documents notify me that those persons currently in bankruptcy status would no longer be able to make payments online. Additionally, the error message received online does not properly identify the issue and misleads the consumer into believing there is a payment scheduling issue that can be resolved. 

Prior to the new website, I had no issue making online payments. In XX/XX/2021 I contacted XXXX asking why I could not make a payment online. After speaking to the representative for several minutes, neither of us could conclude what the issue was ; therefore, I opted to make a payment over the phone. I attempted to make my XXXX payment online and again received an error message preventing me from making payment. I sent a screenshot of the issue to their customer service email. I received a reply back informing me I am no longer allowed to make online payments due to my bankruptcy status. 

Midwest Loan Services failed to properly disclose the changes to consumers prior to making a change that negatively impacts its consumers. Furthermore, if Midwest is charging fees for taking payments over the phone or via billpay, it has caused an additional financial burden to those already in bankruptcy. Lastly, in restricting online payments to those in bankruptcy, Midwest Loan Services is discriminating against those persons and could potentially ; unknowingly, discriminating against a certain class of people.

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 2023-01-12 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: OH

Complaint narrative:
In accordance with the fair reporting act the list of the accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief