vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I went under forbearance because my spouse lost her job because of XXXX. The agreement was to postpone payments until we were better situated. During the forbearance period, random visitors showed up at our house asking " Is this house occupied ''? We were confused as to why these people were showing up and we warned them that we will call the police if they continued to invade our privacy. They were caught peeking through our windows and taking pictures of our home as if planning something. 

We contacted Pennymac and they informed us that they used a 3rd party to investigate and they will send a complaint for harassment. We had the same lady show up again a week after this conversation. Another representative said they were moving forward with a foreclosure anticipating that I would not be able to make payments in the future. This home was purchased under a VA loan which states that companies can not foreclose without appearing in court. 

Furthermore, the forbearance was not supposed to have an impact on my credit score. Because of the alleged delinquency, I have not been able to purchase a more reasonable vehicle and my security clearance is also at risk. 

I was also assigned a " Trustee '' that is NOT a legal resident of Tennessee, which is a requirement to be listed on a DEED OF TRUST in the state of Tennessee. We have had our rights violated on multiple occasions since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I applied for what I thought was a credit card.XXXX XXXX never sent me a bill or credit card .I never spent XXXX XXXX dollar for any service with them .amd I have a XXXX bill on experian I dispute it with XXXX and XXXX XXXX they removed from my credit report. EXPERIAN REFUSED to remo it off my credit report.I would like it removed and XXXX XXXX account deleted amd removed with Fraudulent charges of XXXXThank 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 explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I, XXXX XXXX ( previously known as XXXX ) was a Wells Fargo member from XXXX like to see if I'm a qualified candidate for the class action settlement against Wellsfargo for a possible payout? 

I dont have a copy of when i had a checking and saving account with them but i have proof of having a credit card account with them as well. I have attached the information below in the attachments

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 2023-05-03 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: AR

Complaint narrative:
In XX/XX/XXXX I purchased 2 sofas & 2 chairs from XXXX XXXX  The furniture totaled {$2300.00} no where near the {$8200.00} amount being reported on my credit report by XXXXXXXX XXXX I have no idea where this amount came from. I agreed to do a 12 months same as cash deal with the sales person at XXXX. It was right before they closed for the day & their printer ran out of ink & they could not provide me with copies of any of my agreement and agreed to email me copies, but then they did not. 

I had made payments totaling {$2100.00} then contacted XXXX XXXX in XX/XX/XXXX to pay my remaining balance so that I could pay the account off prior to the 12 months at the cash purchase amount, but the remaining balance I was given was not at all correct. They quoted me an outrageous amount over {$6000.00}, no where close to what should have been owed. I could not ever get XXXX XXXX to send me copies of my paperwork that I didnt received upon purchase or afterwards by email as promised.. I never got an explanation to what was going on, so in early XXXX, I contacted the District Manager XXXX XXXX ( XXXX ) through an email I found on a letter & he told me a balance of {$940.00} which was much closer to the amount that should have been owed.. I asked him how I could go about paying this amount & he never responded.. so I tried again to call the # I had to pay the account off but was still being told the much higher balance.. Im not trying to make excuses but around that same time my mother was diagnosed with XXXX XXXX XXXX & my time & energy went into caring for her, not arguing with them & the debt took a backseat in my life.. After my mom passed away, I tried once again to resolve the situation.. without any luck & upon finding multiple lawsuits & countless records of this company doing the same thing to other consumers I filed a dispute with the credit bureaus without any luck. It says they verified the account but I wasnt provided any documentation of this & I dont understand how they verified information that is so incorrect.. I have no problem paying the {$940.00} that I owed on the account, but I will not pay thousands of dollars that I do not owethe incorrect information is effecting my life in a very negative way.. employers in the field of XXXX XXXX XXXX  wont hire me based on a collection on my credit report & Ive also been denied credit.. any help in resolving this matter would be much appreciated..

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 2023-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Razor Capital, LLC
State: AL

Complaint narrative:
You guys gave my info to a repo man without my consent ..you also took my personal belongings that were in the car without letting me get them out. 
A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

This is a law ( 6 ) Taking or threatening to take any noniudicial action to effect dispossession or disablement of property if- Also the car has been sold and you guys are still reporting to the credit bureau as late payments and repossession. Please stop and deceased all future reporting and harassment letters, remove repossession off my report and all collection activities please stop due to you having possession of the vehicle and it was sold off. I am also seeking pain and suffering for defaming my character harassment and financial loss due to reporting on my credit. Plus now you have sold my information to a third party company. I can offer to pay {$1.00} to cover my debt with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The inquiry was not authorizXXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXRXXXX Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proper consumer investigation on the account listed below. 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 1681XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. Please show me in writing and signature where I have given this company written permission to furnish my information. 15 U.S.C section 1681 i ( a ) also states if you can not provide proof of accuracy, all listed accounts must be deleted if they are not 100 % accurate and correct. This is illegal and a serious legal matter. After speaking with my lawyer, they notified me that you have 30 days to present the proof or delete accounts listed. I have included a copy of my driver 's license and social security card for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: VA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-03 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: VA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been banking with US Bank for about 10 years. When I transferred my checking account here to XXXX XXXX, I have had several illegal transactions happen. I made cash deposits in early XXXX and the cash was held over the weekend!!! They have been inconsistent with my overdraft protection!!! Just before I closed the account, there are several overdraft charges included in the final checking account statement. Overdraft protection should not be cancelled when a banker feels like it!!!! Very Unhappy with the bank. The branch here in XXXX has been 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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023 two different charges were posted to my Capital One visa credit card from the merchant XXXX XXXX. The first was for {$460.00} and the other was {$420.00}. The first amount of {$460.00} was a charge that we put onto our card with the merchant. I have both my customer copy and also a copy from the merchant. The other charge of {$420.00} is the charge in question. I called Capital One by using the number on the back of my credit card. I explained the situation to the customer service representative. The customer service representative filed a dispute on my behalf. The merchant responded to the dispute and sent documentation of the charges. Capital One shared that documentation with me. On the charge that I am not questioning they shared the entire receipt with me in a XXXX XXXX letter. On the charge I am questioning they would NOT share the entire receipt with me. They would not show the signature line. When I received the letter I called the number on the letter and was advised to send a fax with detailed information. I sent the fax with the information and also asked for a copy of the entire receipt in question. I called to verify the fax was received. I also looked at the account online and they noted the fax was received. I then received two different letters dated XX/XX/2023. The letters had different case numbers on them which was very confusing to me. On XXXX XXXX the credit card company charged my credit card again for the charge that is not mine. I called today on XX/XX/2023 and I was told by the case manager in the fraud department that they can not assist me with this anymore because when a charge gets filed as a dispute you can only go to the merchant once to dispute it so the fraud department is not allowed to go dispute it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a scam transaction with someone on XXXX for the purchase of a golf product on XXXX. After they sent me screenshots of supposedly sending the product via XXXX, I sent {$420.00} via my XXXX account. I waited several days for the product which obviously never came. Attempts to contact the criminal and get my money back failed. I contacted my bank Wells Fargo and they ultimately said, there was nothing they could do to help credit me the money. So in the end, I got ripped off {$420.00} for using their stupid system instead of a credit card or some other method that would have my 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
Consumer complaint received 2023-05-03 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: IN

Complaint narrative:
XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was publisher center incorporated promotions. My credit report had it as ( 01 XXXX ). So I googled XXXX XXXX XXXX promotions and nothing came up. I googled XXXX.. Also nothing came up related to XXXX XXXX XXXX. Scam scam scam! I googled XXXX XXXX XXXX Right underneath them is a reddit post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX XXXX as well as on the XXXX site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!

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 2023-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Stash, L.L.C.
State: WI

Complaint narrative:
I have already made and scheduled extra payments that cover the amount of the original loan and a months interest- they want my to pay XXXX on a XXXX dollar loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Date : XX/XX/2023 Discrepancy : Transunion refuses to remove inaccurate Inquiries. 
Actions Taken : Called Transunion @ XXXX ( XXXX ) XXXX I reviewed my credit report and saw inaccurate information listed. I contacted Transunion at the number listed above and spoke with XXXX via Text Message. I told him I had 4 inquiries that were not authorized. He refused to remove inaccurate reports from my credit file and he gave me false information. That I could only remove inquiries if I get a letter from said company to dispute those inquiries on my behalf. This information he gave me is incorrect according to the Fair Credit Reporting Act. I don't need to track down an unknown third party to get incorrect items removed from my credit file. This would complete defeat the purpose of any disputing policies.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My wife and I received an unsolicited VISA credit card in the mail from Chase. When i called to verify, they insisted that she must have applied for it. When she spoke with them they were very condescending and tried to convince her that she had applied for it. When that didn't work, they then insisted that it was really a replacement card on a very old account. 

It is my understanding that " Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). So, most companies don't send out straight-forward unsolicited cards. But some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law. '' At best, this is dishonest and deceptive practices, but I really suspect that they are creating fake accounts again in hopes of drumming up business and feel that their best chances are to bully senior citizens into accepting such.

Company response to consumer: Closed with non-monetary relief