vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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

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

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


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

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX 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.

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 2022-06-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ... $ XXXX XXXX XXXX XXXX Section XXXX A. XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. 

I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. 

When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. To any normal person, there would be no further action to take - so I took no action. 

Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and XXXX XXXX is {$0.00}. 

She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in XXXX now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. 

There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. 

I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
have over years asked my mortgage service provider for a better interest rate .They refuse to work with me unless im late on payments, offer no options have been paying 7.9 % for 20 years. they one time offered a look at a loan modification, but forced me to go late on payments to do so. Witch in turn took my XXXX credit score to mid XXXX they will now no longer talk to me. When I ask for the real mortgage holder I get a list of banks 6-10 long most no longer in service. All other lenders in my area want to loan far more than I NEED, OR WANT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX # XXXX. {$2400.00}. XX/XX/XXXX 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.

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Initially I started to get calls from Rocket Mortgage my current mortgage company holder. I was hospitalized and I was getting approximately XXXX calls per day and continued to have voicemails. When I was able, I called back they were marketing the possibility to refinance my loan. XX/XX/XXXX I spoke with XXXX and she was going to work up numbers and get back to me. When she called me back, she advised my home was worth in the updward of the low XXXX. I advised her I didn't agree with the valuation as I know home in my area have been going for XXXX on the low end. I then advised her I was frustrated as this happened to me once before with them in XXXX and I informed her I was not interested in moving forward and thanked her for her time. She said she was sorry. On XX/XX/XXXX I got a call from XXXX asking me to call him back at XXXX he wants to work something out with us. I called back and left a voicemail and informed again to please not reach out to me as I was not interested in moving forward with refi. Since then I kept getting a call almost on a daily basis from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. When these calls came in I wasn't answering as I had already informed XXXX I was NOT interested in moving forward. FInally I called XXXX back again and I left her a voicemail asking her to please stop the calls, and no need to pass me onto anyone else. Well, XXXX then proceeded to send emails me to me. XX/XX/XXXX was her first email. I responded again with no need to speak as their services was not needed. I asked to please no longer reach out and at this point its considered harassment. Well, XXXX didn't stop she scheduled us for a call, and finally had to get on the call again and I informed her to stop calling me as I will be reporting this harassment to CFPB because I simply cant afford to get several calls per day and voicemails and emails when I informed her I was NOT interested. On XX/XX/XXXX I got yet another call from another rep at XXXX Mortgages customer satisfaction team, his voicemail stated its important regarding my current mortgage. Well, because I do have my current mortgage with them, I called back. He was yet another rep trying to get me to refi my mortgage loan. I became so upset I told him this is enough and if they continue to call me, I will be in contact wth an attorney and didn't appreciate the harassment. He apologized and ended the call. now as of yesterday XXXX I am starting to get the same type of marketing calls although I continue to tell them to STOP CALLING. Im not sure what else I can do regarding this anylonger and I refuse to change my phone number to avoid the calls. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo had a major service outage in XXXX of XXXX. I have been unable to access my Wells Fargo online account since that time. 

All of my statements were previously received exclusively through Wells Fargo online, which I am unable to access since XXXX of XXXX. 

I switched to another bank in XXXX of XXXX, because Wells Fargo was unable to help me re-establish access. This was after speaking with several people via telephone and in-person. 

I kept my credit card open, because it was my oldest card. But I stopped using it, because I was no longer receiving statements. 

In XXXX of XXXX, Wells Fargo reporting me to the credit bureaus for non-payment. This was surprising, because I had not been using my credit card. And, Wells Fargo made no attempt to contact me before ruining my credit. 

The charges were obviously fraudulent, because I had not been using my Wells Fargo credit card. I reported the charges to Wells Fargo, and they agreed to remove them. I have a letter in writing where they agreed to this. 

Wells Fargo reported me again in XXXX of XXXX. Apparently, they never removed the charges like they said they would. Credit score drops again... 

I still don't have any statements. Don't have any idea what these charges are. Or who made them. 

I visited a branch in XXXX of XXXX. They said they were going to open an " executive case '' or something. I've never heard anything. 

I blindly started sending money to Wells Fargo in XXXX of XXXX. I didn't want them to ruin my credit again. Apparently, I got everything paid off during this time. Although, I still didn't have any statements. 

I talked to someone on the telephone in XXXX of XXXX. Very rude and unhelpful. Completely denied Wells Fargo 's role in this fiasco. 

I started submitting complaints, letters, and disputes to various agencies. Trying to find someone who would help. 

In XXXX of XXXX, I received a XXXX  package. It had statements for my credit card account. But, not my checking account. I was able to verify that all of the credit card charges were fraudulent, and not initiated by me. I sent a letter to Wells Fargo, again asking them to remove these charges -- like they originally agreed to do in XXXX of XXXX. 

It also contained a letter claiming that there's records of me accessing Wells Fargo online. This is a little infuriating. I am still unable to login to Wells Fargo online. I suspect that their records are incorrect, or that they are incompetent. Or maybe, they just don't want to admit what's been going on.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Received a text containing the following scam message... 

Your M & T debit authorize code is XXXX. M & T will never contact you to ask for your code if this wasn't you secure your information here XXXX XXXX XXXX secure immediately to stop payment.

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: MD

Complaint narrative:
I paid my credit card payment in full in cash to Self on XX/XX/2022. The full amount was debited from my XXXX XXXX bank account. 

Self refuses to post this payment, knowing that the funds have been taken from my account with me paying an extra {$3.00}. My account is in good standing and not late. I should have have to pay to have my payment posted to my account.

This pay-to-post is new for Self. I had routinely posted my account during the last year and had it posted to my account within 24 hours until the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Acquired new mortgage XX/XX/2021. Paying extra for principal reduction every month and every month it is misappropriated. Have made several calls and emails about this to correct and asked that a note made on account to correct future mistakes. Same mistakes continue. Property taxes were never paid out of our escrow account even though we have more than enough in escrow. Got warning letter from tax collector that house was going to tax deed auction. I paid the taxes plus late penalty and fee to taxcollector out of our checking account. Called XXXX  company about this and have been passed to multiple representatives who are equally inept to help us in what seems like a straightforward and easy administrative task. It is now XXXX and we have not received our tax money refund from escrow. We have received a letter saying they need more time. after many attempts and wasted time we are at a dead end with this untrustworthy, incompetent organization pretending to be a mortgage company. We need help getting our money back and ensuring they start managing our funds appropriately. Homeowners insurance is due soon and that's also in escrow. I dont have faith in this company after their performance for 9 months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C systems # XXXX keeps sending a bill for XXXX. This original medical bill was from XXXX XXXX XXXX  XXXX This bill was paid in full by insurance and shows a XXXX balance. I C systems keeps validating this debt and sends me a bill from XXXX XXXX XXXX XXXX. with a XXXX balance. I C systems also is using my medical information to validate a XXXX balance.

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 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/2022 I received a letter from, '' Commercial Acceptance Company '' alleging that I owe a debt. Pursuant to 15 USC 1692g ( a ) ( 3 ) I am making it clear that I completely disagree with this alleged debt, and I am disputing the entire amount they are claiming. I owe. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g I am demanding they send me verification of this alleged debt or a copy of a judgment. Lastly, my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court 15 USC 1692g ( 2 ) ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Three weeks ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail.

The voicemails aren't responded to and I'm unable to verify if or when my Ssa has been deposited or any news of when I can retrieve any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. {$2400.00}. XX/XX/XXXX XXXX5 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.

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 2022-06-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX  # XXXX. {$2400.00}. XX/XX/XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I recently had a credit card with XXXX bank for the chain store XXXX. When the credit card switched to another bank, Barclay Bank, I opted out by phone ( XX/XX/2022 ) to receive the new card due to very high interest rates charged by Barclay. I called again in XX/XX/2022 to confirm that the card was cancelled and that I would not receive a new XXXXBarclay 's card, also to complain about unsolicited emails that were being sent to my work account ( which they claim they were unable to stop ). It is now XX/XX/XXXX and I have received an unsolicited credit card from them, despite my opt out request and my account being closed. I have been waiting on hold for over half an hour to resolve this issue as I do not want this on my credit rating. No one has picked up the phone so am unable to resolve.

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 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, cyber criminals hacked my grand daughters laptop and cellphone. She is co-owner of my Wells Fargo account. We notified Wells Fargo immediately, on XX/XX/XXXX. 

They took {$4800.00} from my Wells Fargo account via wire and about {$300.00} via XXXX. 
I contacted Wells Fargo and they refunded all of that stolen money. 

About two weeks ago, Wells Fargo decided that they made a mistake in refunding the {$4800.00}, and they took that money out of my account. They sent a letter saying that i am responsible for online wires " whether or not actually authorized '' Regulation E says that they have to reimburse money taken as long as they are notified. 

When Wells Fargo took my {$4800.00}, they were in violation of that law.

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