vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXXXXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car was repossessed at the 75 day mark after a representative told me they start reposessing at the 90 day mark ( 3months what I was told ) and at that point I had made a partial payment but it wasn't recognized as a partial payment, it showed as a credit, and not an amount toward the balance. If it would have reflected as a partial payment then the vehicle wouldn't have been in repossession. At very minimum, my " credit '' should have been used toward somthing before hand not after my vehicle was repossessed.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX, XXXX Account number : XXXX, USDOE/XXXX  Account number : XXXX, USDOE/XXXX  Account number : XXXX, XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 I got an email stating my wells Fargo business account has been closed I tried to contact them there was no help

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my credit cards do not appear on my transunion credit report and they are more than XXXX XXXX XXXX. This has brought me many problems when requesting new credits since I do not have that history. it's all because there's a mistake in my name. which I sent to modify for XXXX XXXX with transunion with letters and calls and I have not achieved the objective, my XXXX XXXX XXXX last names come together in a XXXX  word, when all I want is to be separated or just leave me with only XXXX name and a XXXX last name as it has : XXXX XXXX. XXXX. experienced. 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX Apts. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXXXXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for XXXX XXXX, causing my XXXX XXXX to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the 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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
List the house to foreclosure because they would not help or modify loan had paid monthly payments on time for almost 9 years and as a result lost the house and my husband XXXX XXXX XXXX passed away, XX/XX/2019 I now live alone in a Apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and before my husband passed away when lost house we lived in a XXXX rm.hotel

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 — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name XXXX Equifax XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is an old one and I have no expectations, I just want to clarify that Wells Fargo has been abusing their customers for decades. In 1999 my husband and I bought a motorhome for a work/live situation as his job required travel. Shortly after the purchase he was injured at work which resulted in a XXXX XXXXXXXX. We had purchased XXXX insurance on the loan and they paid the note directly to Wells Fargo but, after the final payment on the loan was made, Wells Fargo declared the note " charged off '' instead of " paid off, '' we tried to get this corrected but to no avail, being told that Wells Fargo could do as it pleases and we'd simply have to live with it. From that moment on we couldn't get a loan for so much a box of cereal, it affected us right up until my husband died of his XXXX, and occasionally pops up on my credit reports to this day.

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had the opportunity to payback arrears in full and the next day was the deadline. I forgot who I talked to but they told me even though I pay arrears back. They can't guarantee that my house will go into foreclosure. So I had to file for XXXX XXXX bankruptcy and I eventually sold my house to a cash buyer. This process took place through XXXX XX/XX/2019. Please advise 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: 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: OH

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Overdraft and charges was take unacceptable

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date XXXX  RE : Request Investigation of Credit XXXX on My Behalf SSN XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. 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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I just downloaded the XXXX app to help increase my credit score and upon so noticed I had 2 {$100.00} bills submitted to collections from the Hospital. I never received the bills and was never notified it was going to collections. I contacted collections and asked if I could make payments because I can not afford to pay the full amount and was informed that could not and that there are interest charges to these medical bills. I would like to dispute both debts on my collections since I was informed that by XX/XX/2023 agencies are going to remove medical debts from collections when the bills are {$500.00} or less. Please advise on what I can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or approximately the year of 2018, I walked into a branch of Wells Fargo on XXXX XXXX in XXXX XXXX XXXX, CA. Tried cashing a XXXX bank check in the amount of {$2900.00} or so and the bank management at that time took my check and did not give it back. It's left me traumatized, forcing me to be homeless. I was threaten by the guy. He also said that he was not going to give me the check back that was in legit and in my name. Was very disappointed ..... Frustrated, everything you name it.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

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 repair services
Issue: Excessive fees — 
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I made a payment of {$160.00} and it's in dispute since XX/XX/2022 they will not remove this amount while it's in dispute. I've sent them the cancel check from my bank. And they are still adding interest fees to this amount. Please help. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received my statement with the closing date of XX/XX/22, There were XXXX charges on the statement. I received and paid for the item in the amt of {$10.00}. The XXXX  item was never received. I notified the company that it wan not received. My bill should have been XXXX at this point. The next month I received a statement with late charges and the amt of the item I did not receive was still included in the balance. This went on for several months-more late fees and interest. I made several phone calls to the company and to Commenity Bank explaining the situation. I continued to receive bills with mounting interest. On XX/XX/22 I sent a letter to both Woman Within and Commentiy Bank to which I never received a response. More phone calls and interest. A couple of weeks ahgo Commentity called me and I explained the situation. The person I spoke to said she was going to note my account-refusal to pay. I do not owe them any money. I paid for what I received. I received a bill yesterday and the amt is {$230.00}. All interest and late penalties. Somewhere along the way Woman Within did credit me for the item I did not receive but they never credited for interest and late charges and they are still mounting. I don't know what to do!!!! ( I did receive something that I did not order and was addressed to someone in another state and sent that back )

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states 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 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: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We were charged overdraft fees for items that we had the funds available. We also had issues with our bills being paid on time do to Wells Fargo not dispersing the funds.

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 credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I originally had a credit card with XXXX XXXX XXXX for several years. Always paid with autopay each month and the payment/balance were usually around {$10.00} or less. 1 charge each month to keep it from being stagnant and always paid off. The account apparently got transferred to Comenity Bank and I never received anything on the transfer. Nothing in the mail or anything. I finally received a phone call when the account was 90 days past due with a balance around {$43.00}. The autopay never transferred, and I never knew anything about it until I received that call. I immediately paid the balance in full and asked if this would affect my credit. They assured me it wouldn't as now you're paid in full. I was a little skeptical and asked to speak to a manager. Eventually the phone hung up in the transfer to a manager. I eventually received an alert that my credit score dropped. It dropped big time to say the least. You can look at my payment history and see that it was paid on time 100 % of the time with every account. I am asking that this issue gets resolved and my credit score and payment history goes back to 100 % on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My money was stolen from my savings account ( XXXX ) and checking account ( XXXX ) and Wells Fargo came up with different excuses on while they didnt give me 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 explanation