vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I asked wells fargo agent for final pay off of my vehicle loan. Sent them final payment and received title. A week later WF called me stating I still owe them another auto payment. I to them I payed the Ballance and received the title. WF did not agree and reported to my credit bureau. Ruined my credit for years. 5 years later WF sent me a check for the left over amount for the loan... very fishy! 

Thank you in advance for your help, 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN AIRBNB YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. ONE YEAR I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo improperly denied the modification of my loan. I had met with a XXXX vice-president, Mr. XXXX XXXX XXXX, in person at two separate mortgage seminars and he assured me that the loan would be modified with no problem. The foreclosure process continued and attempts to contact XXXX XXXX were unsuccessful. My house was sold at a sheriff 's auction even though my real estate agent and my lawyer attempted to set up a short sale, which was also denied. My lawyer indicated that Wells Fargo was the most difficult company to deal with and were acting in bad faith denying the short sale. 
I lost my house at the sheriff 's sale and was forced to find somewhere to live. 

I read the findings of the CFPB in XXXX. 2022 and feel I was wronged by Wells Fargo and should be compensated for their improper actions. 

I have attempted to contact the last person I dealt with as well as XXXX XXXX and the email came back undeliverable. During my attempts to rectify the situation with my loan, every month a new person would be the contact person, so it is not surprising that they are no longer working there. 

I do not trust Wells Fargo to get in touch with me as my house was located in XXXX and I have since moved to XXXX But, my email and cell phone number have never changed. 

I can not afford an attorney to go after Wells Fargo and am hoping the CFPB can assist me in getting compensation for my loss. 

Thank you in advance for your consideration and look forward to hearing from you. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX former address was 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 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you ( ONEMAIN ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733.

( ONEMAIN ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ONEMAIN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( ONEMAIN ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( ONEMAIN ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and XXXX. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.

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: GA

Complaint narrative:
I have filed complaints and tried to resolve this with each credit bureau ( XXXX, XXXX, and Transunion ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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: 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: GA

Complaint narrative:
I have filed complaints and tried to resolve this with each credit bureau ( XXXX, Experian, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under XXXX XXXX Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-20 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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

Complaint narrative:
Back in 2011, I tried to get my mortgage modified. Wells Fargo deliberately kept losing the paperwork. I know that I submitted over 5 plus times or more the same documents. Their employees were instructed to play the games of refusing paperwork by stating we don't have it. The foreclosed property happened anyway due their lack of direct communication, constantly losing paperwork. My work hours were reduced tremendously causing the mortgage payments to fall behind and my wife became ill with XXXX XXXX trying to fix things. I truly regret having Wells Fargo as our mortgage company during XXXX timeframe. We didn't get the help or a affordable reduced payment. My family and I including my XXXX mother in law was forced to vacate the premises which led to filing bankruptcy. It is with sadness we lost our beautiful home not only due to hardship but no communication accuracy. Well Fargo changed employees like clockwork, reason why everything was chaotic. " Every other day, every week the same thing we don't have it, paperwork they requested. '' It was always promptly sent every way we could, fax, email, usps.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Tried to redo an existing mortgage but was refused for 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 explanation
Consumer complaint received 2023-01-20 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:
charge late fees before XXXX hours, repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Credit 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: NY

Complaint narrative:
Consumer reporting agencies XXXX, equifax, XXXX XXXX  and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.

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: NY

Complaint narrative:
Consumer reporting agencies XXXX, XXXX, experian, XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. IncomXXXX can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.

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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2023-01-20 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:
Through the 10+ years I had my checking and savings account with wellsfargo, I recall being charged multiple fees that likely totaled over {$400.00}.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 

( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX  ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( XXXX  ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When I have an over draft I get the normal overdraft fee but then everyday behind that I get everything bouncing on top of bouncing all my checks bounce over and over again every week when I clearly tell then when I will be in to cover the check that bounced.

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