vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XX/XX/24 ( day before XXXX ), my phone was stolen from me when i was home visiting my family. they immediately changed my apple id password, turned off track my iphone, and hacked into my Wells Fargo and XXXX XXXXXXXX account. I was able to buy a new phone and get my XXXX  XXXX card replaced, as well as i turned off my Wells Fargo account within the hour and ordered new cards/new account numbers, i flew home with no money or cars. Wells fargo did not end up turning off my card and the robbers were able to keep charging it at XXXX  and XXXX XXXX  they did not have my physical card so im assuming they used XXXX XXXX or my card numbers through my phone. wells fargo knew of this, ive been on the phone with them 10 times and opened up 3 fraud cases ( my credit card, debit card & savings account was all messed with and charged ). wells fargo has notified me that they have closed the case and are not refunding MY money back to my account. i have tried to get in touch with them multiple times, put in 3 manager called and they called me and hung up. i went into a physical branch, they said they can not help me and i have to call. they have not contacted me once for information ( i have police reports, statements from XXXX, etc ). i am looking to get my money back from wells fargo that was illegally stole from me. the total for purchases was {$1400.00} that came out of my account. wells fargo will not talk contact me. thank you. -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 monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I received a copy of my credit report and found some mistakes that are incorrectly reporting on my credit report. I received my credit report, and it stated that I opened an account with National Credit Adjustment on XX/XX/XXXX. I never opened and account on that date. I never signed a contractual agreement with National Credit Adjustment for {$490.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX. 

I called XXXX XXXX parent company XXXX XXXX on XX/XX/XXXX who shared with me that my account was recalled back to them on XXXX. In which National Credit Adjustment and XXXX XXXX never notified me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am not associated with these creditors and I did not initiate the inquiries with 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was never contacted to check the accuracy of any information on the XXXX site. Furthermore I sent a letter on XX/XX/XXXXXXXX   to optout of all previous obligations! I ran my credit report and found all of these violations of my privacy on my report XXXX # XXXX as of XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. The list of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX has violated my rights. 15 U.S.Code 1681 Section 602 A.

States I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.Code 1681c. ( a ) ( 5 ) Section States : no consumers reporting agency may make any consumers report containing any of the following items of information other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A persons 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.

Inaccurate information on length of account. Inaccurate information on payments of account. Per the Privacy act of 1975 " Charge off '' is a certificate of indebtness which is income and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
I, XXXX : XXXX, Original Creditor hereby rescind my consent to be liable or compelled to perform on the contract and agreement with closing with XXXX but transfer to Bank PENNYMAC LOAN SERVICES LLC. 

I entered into this contact agreement with XXXXPENNYMAC LOAN SERVICES LLC without : Full disclosure of my right to rescind 2.Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3. AS well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX PENNYMAC LOAN SERVICES LLC willing and knowingly took advantage of me and consumer credit. 
I was given false disclosure and deceptive information, as I was informed that a down payment of {$10000.00} was needed during closing which was fraudulent 15 U.S.C code 1635. Within blank days after receipt of a notice of rescission, the creditor shall return to the obligor and money or property as earnest money, down-payment. Pursuant to 15 USC 1605 ( a ) the amount of a finance charge in connection with any consumer credit transaction shall be determined as sum of all charges. So after reading the home closing I filed a 1099A and 1099C IRS Approved the file and send it to the company PENNYMAC LOAN SERVICES LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
So I am not sure where to start, my loan with Rushmore Mortgage sold use to another company. They kicked us all off of their website and there is NOT one single number to get ahold of them. You call their number it tells you ; your loan has been sold and contact this number, but that's of the new loan and they can't assist with my issue. Somewhere on the internet it looks like Mr Cooper has bought everything out. I feel like someone i have been paying for a long time and now i cant do anything online, cant see payment history or anything with no help. So i want to make a complaint against them and get some answers on how to get ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Travel Agency is fraudulently charging me for a reservation I did not make nor authorize.

I finally was able to get in touch directly with XXXX XXXX XXXX with the help of XXXX and asked them to send me a copy of the reservation ( attached ). The reservation is fraudulent. I did not authorize this transaction and would like a full refund.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: AZ

Complaint narrative:
To whom it may concern, My rights as a federally protected consumer are being violated by Discover Bank, XXXX, XXXX and XXXX by reporting a balance {$6400.00} on my monthly consumer credit report. Discover Bank and the above consumer reporting agencies did not disclose information how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any account balance information.

Please remove the reporting of my account balance information. It is personally identifiable financial information.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XX/XX/XXXXXXXX  when we completed a mortgage with XXXX, now Newrez, they assured us that the mortgage insurance payments would be removed from our monthly bill when we reached the minimum percentage of home cost. That event occurred six months after the mortgage was initiated but XXXXNewrez did not make the adjustment. When I discovered the problem in XXXX, Newrez said they would fix it and look into the possibility of reimbursement. After numerous attempts on my part to contact them, Newrez hasnt resolved the problem. Moreover, their mortgage statements do not identify mortgage insurance amounts so it is difficult for a consumer to know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ACCOUNT WAS LOCKED FOR NO REASON AND COULDN'T BE UNLOCKED. SERVICE AGENTS ARE UNHELPFUL AND INEPT. I WAS PASSED FROM AGENT TO AGENT " JUST CALL THIS NUMBER AND THEY WILL FIX IT '' AND NO ONE KNEW HOW. I JUST WANT TO CLOSE MY ACCOUNT. THE CUSTOMER SERVICE MEMBER DIDNT KNOW HOW. 

PREVIOUS COMPLAINT : EXECUTIVE COMPLAINT DEPARTMENT REACHED OUT AT INCONVENIENT TIME AND LEFT MESSAGES BUT THE CONTACT NUMBER PROVIDED FOR " XXXX '' IS NOT FUNCTIONAL ( ALWAYS GOES TO VOICEMAIL, EVEN DURING STATED WORK HOURS ) XXXX I HAVE LEFT XXXX SEVERAL MESSAGES CLEARLY REQUESTING TO CLOSE MY ACCOUNT BUT HAVE RECEIVED NO RESPONSE I TRIED TO CALL THE GENERAL CUSTOMER SERVICE NUMBER AGAIN BUT WAS ON HOLD FOR OVER 25 MINUTES WHICH IS UNACCEPTABLE. 

I JUST WANT TO CLOSE MY ACCOUNT. THIS HAS BEEN THE ABSOLUTE WORST BANKING EXPERIENCE OF MY LIFE. PLEASE CLOSE MY ACCOUNT! SEND CONFIRMATION TO EMAIL ON FILE, AND REFUND ANY FUNDS TO ADDRESS ON FILE. 

WILL CONTINUE WITH REGULAR COMPLAINTS UNTIL ACCOUNT IS CLOSED.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i reviewed my consumer reports and noticed and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
i reviewed my consumer reports and noticed and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Hello, I have a Avant credit card. From what I have read, they have been a problem in the past with the FTC. Today is XX/XX/2024. 

I received my bill statement that is due every XXXX of every month. I called customer service and asked if they could change my due date. Reason being, I am on Social Security, and do not receive my pymt until the XXXX week of each month. Therefore, as soon as my pymt is received, I pay Avant credit card, immediately! 

Somehow, it seems to take nearly 10 days to pay from my bill pay on-line with my bank. The bank has told me this is how Avant has this set up, therefore if my payment gets to them late, I am once again charged a late fee, yet the payment is being sent from my side 5-8 days sooner to them. But they keep attaching a late fee. I owe XXXX. I have never dealt with any other credit card company that will not work with me changing the due date. This will now effect my credit score, and that is not fair to me. Please let me know what options I have to help me deal with this crooked company. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNITED AUTO CREDIT XXXX XXXX XXXX, TX XXXX AMOUNT OWED : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 : - Account Number or other information to identify account : XXXX - Source of Dispute Information : UNITED AUTO CREDIT - Type of Disputed Information : UNKNOWN ACCOUNT - Dates associated with item being disputed : XX/XX/XXXX XX/XX/XXXX - Explanation of item being disputed : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND INACCURATE Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Notice of Intent to Sue Under FCRA Violations and Privacy Act and Truth and lending Act Violations for Willful Negligence. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Stated My Claim had no Merit Who is she to say what has merit in a legal claim her Document is untrue and misleading. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has to provide Necessary Disclosures of how they share my Private Non public Information and Give me Reasonable time to opt out of them Sharing Information to Non Affiliated third parties In which ( XXXX XXXX XXXX XXXX XXXX XXXX ) furnished information to the Consumer reporting agencies ( XXXX, XXXX XXXX and Equifax ) Im demanding this trade line be Delete from my credit file immediately. Its order ( XXXX XXXX XXXX XXXX XXXX XXXX ) Shall make the Necessary Changes within XXXX Calendar Days. Also update the Consumer reporting agencies of this legal Dispute. I am expressing all my Consumer Rights and Opting out Also I Direct the Consumer Protection agency to Remove all Dispute Statement from my Consumer File, I also Direct the Consumer Protection Bureau to communicate with XXXX XXXX, Equifax and XXXX for compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was involved with a scam through XXXX XXXX, where a user stated he sent me {$500.00} to open my Venmo business account. I never saw it in my Venmo account, the scammer then stated that I needed to " refund '' him the {$500.00}. So I did, through the Venmo account that he provided me. However, I realized that this was a scam, so I called my bank 1 hour later to place a stop hold on any Venmo transaction. My bank stopped the transaction from going through, so I did not lose my {$500.00}. I then reported the scammer to Venmo, where they stated that they would not be able to control if my funds would have gone through to the scammer, and would give a " warning '' to the scammer account. When it was official that Venmo could not collect the {$500.00} from my account to the scammer, I received an email from Venmo stating that they sent {$500.00} of their " own '' money to the scammer to " cover me. '' They also sent emails stating that my Venmo account is frozen now, and that I owe them {$500.00} in order to open my account. I reported this to the police and sent emails back that I will not be paying Venmo {$500.00}, as I froze the transaction from going through, and did not want Venmo to credit the scammer {$500.00}. Venmo continues to send me emails attempting to extort money from me.

Company response to consumer: Closed with non-monetary relief