vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: AZ

Complaint narrative:
On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-06 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: CA

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim 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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cash Link USA, LLC
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX cash link usa XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX sending me collections on something thats not mines. XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
Wells Fargo charged me numerous overdraft fees and eventually closed my account, and I know many of these fees were just added on there, there was an incredible amount owed, it really just didnt even seem possible.

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It was around 2013, I fell into financial hardship ; mainly divorce. I was trying to reconcile with Wells Fargo and in fact got current on my mortgage by applying a {$22000.00} + XXXX dollars towards it and did get a notification of becoming current ; however, within a couple of months, I began to falter on my loan and within weeks after that, began to receive notices of default and foreclosure on my property. I was forced to sell short losing over {$500000.00} invested into this property. I was given a {$5000.00} dollar buyout option with possible more to come after the purchase ; it did not happen. I had lost my {$920000.00} home after having paid into it over {$500000.00} including the down payment of {$220000.00} of my hard earned money. The short selling price was {$460000.00} ; a basement bargain. I felt like a failure. Wells Fargo Bank did not even try to help me stay in my home, they said they had sold my loan to investors and could not do anything about 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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Toward the end of 2019, I was in the Market for a new car. I was approved by Credit Acceptance for a loan that I was not initally interested in but they told me that it was the only loan and interest rate that I qualified for becasue I did not have much credit history. I needed a car and accepted the loan because I was under the impression that there were no other options or interest rates available for me. In trying to communicate with them about interest rates and the cost of the car they often told me there is no one I can talk to and eneded up repossing my car within a year. I did agree to the payments but I was unaware of all the fees and all of the interest that they would charge me and when trying to explain my hardship of XXXX and other issues that I faced during this time, they were unwilling to listen and work something out with me. This caused the price of the car to continue to rise because of the excessive interest rate. I feel taken advantage of and it is even difficult for them to send me the terms of the contract that was signed. I would like to file this complaint because I have paid {$11000.00} and they can not tell me what has went to principal and what has went to interest. I have requested the contract agreement.

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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
While I was a Wells Fargo customer, they opened another account without my permission after they called an asked me did I want to add the new account and I specifically told the representative NO, I have all my bills structured and the payments come out of this and I dont want to change anything. A few weeks later the account was opened, I called and the representative just overtalked me like a sales person explaining why the account was beneficial etc. Being a single mother who didnt make much, this was stressful to have to take time to try to change all my billing accounts and hard being young and still learning about structuring my finances. This causes multiple overdraft fees. I have the emails to prove it. *maiden name applied at time account was openXXXX 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 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XX/XX/2023 at XXXX I received an email from opploans stating that they received a request from me {$4000.00} on XX/XX/2023. Now I didnt see this email until Monday morning XX/XX/2023 because I was checking my bank account and see this large amount going to them which I did not do. I dont even have that much money in my account. I tried to log into my account with OppLoans and I couldnt. Which is weird because Ive log in before with no problem. I even have my account saved and password save to my phone. Opploans said they didnt even recognize my email address. I told the lady the billing department whats going on and all she said was I sent you a link for password. So I changed my password and still could not get in my account. It said Due to too many incorrect SSN attempts your account has been locked. Someone hacked my account went in and sent them money to payoff their loan early. Money that I didnt even have. They were on payment plan every 2weeks {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX TransWorld I have no record of business with this company. I have no documentation showing that I have direct business with them. 

Received multiple calls from number but on most recent interaction the representative refused to communicate information required to verify their identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The representative refused to name the business. 
The representative refused to provide the address. 
The representative provided his name but refused to spell it. 
Placed me on mute to communicate with his leadership, but still refused to provide the information when he returned to the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.

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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Had car repossessed after talking with representative of bank and being told it wasn't on the list for repossession. Had been making payments and car was still taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I fear I made a big mistake, when rushing in my signed paperwork that will allow for my Wells Fargo ( WF ) mortgage lender, to, supposedly, " recast '' my loan! And I must now stop the music, to gain a CLEAR understanding of what in heck WF is doing in its " recast agreement '' with me, and if it is something I even should agree to have happen!

WF and I have a lon-n-n-ng, rocky relationship, in which my now dead husband and I, pay, pay, pay our mortgage, seemingly to little avail. I've managed to stay current on our mortgage since our bankruptcy and loan modification agreements with WF years ago. So, I wrongly assumed WF was " helping '' me, when I got its XX/XX/XXXX Recast Agreement. The WF legalese was NOT at all written in layperson 's English. But I read online about my HAMP loan offering {$10000.00} loan reductions to folks like me- who manage to make timely mortgage payments after stumbling back onto our feet. And I jumped to thinking WF wanted my signed paper back by XX/XX/XXXX, so WF could run its new numbers for me, after chopping the {$10000.00} from my principle balance. 

WF said I must send in my signed paper by XX/XX/XXXX, so I can at least get WF to crunch my new, recast numbers. But after I mailed my paper in a mailbox on XX/XX/XXXX, I re-looked at the WM recast agreement packet, and realized, WF " already '' " recast '' my loan, since WF shows an " adjusted monthly payment '' chart - a chart that seems to show " stupid '' me, paying WF {$2400.00} beginning XX/XX/XXXX! Never mind that my loan modification paperwork from XXXX shows amounts lower than this, withOUT any recast deal! 

I was so upset by this " recast agreement, '' in retrospect, that I contacted XXXXXXXX XXXX troubles company that dug my late husband and I out of foreclosure in XXXX. But that was XXXX! A XXXX lawyer today says I must pay {$1600.00} for XXXX to represent me again, in this new recast matter now! So, I told him, no, thanks, hung up, and now, seek help from you, Consumer Financial Protection Bureau ( CFBP )! 

I will need to use my own noodle, hopefully, get WF to break down whatever WF is proposing, and stop any progression on this recast mess I do NOT understand nor see any reason for proceeding with!

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 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
As stated in my first complaint, this firm is extremely difficult to get a hold of and when you do get a hold of a representative you are faced with dealing with a high level of unprofessionalism and them trying to deny the company approval a lower settlement offer. I call multiple times and was told that this offer did not exist and that I would have to pay the full amount or they would not be dealing with me in trying to help me resolve this matter. 

They did not offer me the opportunity to speak with a manager even though it had been requested twice. They did not acknowledge that I was given a settlement offer by XXXX XXXX. None of these became and option until I had submitted a complaint with CFPB. 

I was faced with people who were telling me that no such records existed and no willingness to verify this with the creditor UNTIL submitting a claim on them for unfair practices. The company should have verified this information, but refused, and then refused to let me speak with a manger regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I brought a car online with carvana on XX/XX/2023 with a down-payment of XXXX dollars, carvana took out XXXX dollars out my account, they said they would return my XXXX after the 7 day money back guarantee, and 10 to 15 days in a check that will be sent to me.Thias will cause my checking account to over drawn, i have bills to now, i can not wait that long for money to come in a check, they need ach my XXXX dollars today, if carvana cause my account to be over-drawn they will be responsible for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 To Whom May Concern, Im writing in regard to XXXX of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre XXXX different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another XXXX credit card with Capital One a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I moved from my old home ( XXXX XXXX XXXX XXXX ) to my new one. I kept the old house as a rental, and I forgot to update the address with my loan servicer initially. 

I tried to set up autopay from my business account, and received a notification that it was successful. I then received letters telling me that auto pay had been set up ; then that it had been cancelled. I set it up again and got another letter telling me that it had been set up successfully, and I no longer thought about it. 

Over the course of the next couple months I received some- but not all- of the notices sent to me, often at the same time. 

Basically, they had cancelled and re-set-up automatic payments multiple times and sent me multiple letters telling me I both had been approved and had not been approved. They also sent me a letter ( which I did not receive until later ) saying I'd missed a payment. 

I learned I was behind on payments when my credit report was updated- I got ahold of the letters from my property manager later. 


UWM made no attempt to call me, or email me, or contact me in any other way. I understand that I made a mistake by forgetting to update my address with them, but I immediately paid all the payments and all the late fees and wrestled with their customer service to get ACH set up right ( again ). 

They refuse to take this- my only late payment for anything, ever- off of my credit report. Even though it only happened because I *THOUGHT* I was set up on auto pay- because they sent me a letter telling me that I was. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, letters were sent to me confirming I had ACH set up. 

I will attach some of the letters here. I thought that, due to their earlier letters I received, that my auto pay was set up from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 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 2023-06-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation