vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
Several years ago I paid off my loan with Wells Fargo Dealer Services. I called to request the clear title or lien release since I had not received anything 2-3 months following the payoff. After the request, I provided up-to-date email and mailing addresses. I did not receive anything from Wells Fargo. Up until recently it has not been a priority since I maintained ownership of the vehicle but I traded in the car and still needed to Wells Fargo to provide a lien release for the title. On XX/XX/XXXX, I contacted the title department and emphasized that I have submitted a request and hadn't received the lien release paperwork. We provided a XXXX shipping label for Wells Fargo to use to send to the dealership. On XX/XX/XXXX, the dealership contacted me to inform that they had not received it yet. I contacted Wells Fargo and again was advised of 7-10 business days but I don't consider that to be acceptable based on how many times I have been trying to resolve this. The company keeps providing me the run around telling me they don't have control over the mailing system. I just want this resolved so I don't have to deal with Wells Fargo again. If the calls are being recorded as they say, listen to the call on XX/XX/XXXX where the dealership and myself provided every detail to ensure a smooth process but once again, Wells Fargo did not resolve my request.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had an account with chase last year, they allowed me to cash XXXX  check for my wife and her cousin and I also deposited checks from selling XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX over XXXXXXXX XXXX ive tried talking to them the others have to they won't give my money back and closed my account.i went in the bank to the teller with the person every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
Collection agency is reporting the incorrect amount on my credit report. I have sent numerous letters requesting for debt to be removed from my credit report as it is inaccurate. I as well along with these request have sent over copies of the correct balance from the original creditor, yet the debt collection agency refuses to remove the collection from my credit report and is actively pursing the invalid debit. The agency has failed to fulfill my request along with supply data displaying the incorrect amount such as charges. The debt amount listed on my credit report is for {$35000.00}. The amount listed on my final statement from the original creditor is {$9700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I have contacted this company at least three times since seeing the debt collection on credit report, XX/XX/2022. The first time I contacted them was on XX/XX/2022. I have tried to dispute this debt via XXXX XXXX, as well. When I contacted the company, I was interest in the amount of debt and getting any information about the debt such as the original contract with my information on it, the creditor information, payment history ( itemized bill ), and the proof of ownership for the account. I am actually in the process of writing a letter to the company instead of doing it verbally as I have been doing it. They are in violation, as it has been more than 30 days since I asked for any of the above information. This violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
Received a letter attempting to collect what appears to be medical debt. Letter received shows two separate charges. One charge is from XX/XX/2021 for {$41.00} and the 2nd charge listed is from XX/XX/2021 in the amount of {$2.00}, XXXX. This is the first communication I have received and it is from a law firm. The letter does not provide any information as to how I can dispute this debt or what the charges are for, it only provides a number if I want to call and discuss payment, or if I should choose provides a special offer to settle the balance on charges I was unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been calling XXXX to remove these 2 inaccurate addresses on my credit report for a while now ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX and Equifax regarding removing these inquires now XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and i have been asking for them to show me to show me steps and process they are taking to look at my case and i have not yet received any updates or mail regarding my issue, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: NJ

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a checking account at wells Fargo and was treated horrible with feeds for overdraft and services

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 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
As of XXXX  I have been disputing multiple violations on my credit report dutle to i.c. systems. First have not ever received any correspondence or notification regarding the debt in order to dispute the debt. Second, I have not given ANY EXPLICIT PERMISSION, to XXXX XXXX XXXX XXXX XXXX to sell my personal informations which is a complete violation of my HIPPA RIGHTS. THIRD, I HAVE SENT a debt validation request, involving my identification and my social security number, on the document certified mail. Asking to breakdown fees including collection cost and medical charges, a COPY of my signature with the provider of the service to release my medical information to I c systems, and to cease any credit reporting until it has been validated. Which has not happened they have recently reported XX/XX/XXXX I believe. They have denied my request to validate my debt and still have yet to delete the debt from my credit report yet again violating FCDPA AND FCRBA. THEY CLAIM THAT ARE UNABLE TO RESPOND TO THE IDENTITY. BUT I HAVE PROVIDED ALL INFORMATION REQUIRED BY LAW. It is obvious that to me that they are not willing to follow the laws stated above. I am requesting assistance and redress.

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 2023-01-21 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: CA

Complaint narrative:
There is an account I do not recognize on my transunion account. It was already removed from XXXX and now Id like it removed from transunion. Its from 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 2023-01-21 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX Fair Credit Reporting act XXXXt 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX I received a payment from a user for used audio equipment I was selling on XXXX. I finished testing and preparing the item on XX/XX/XXXX, and went on vacation for the XXXX weekend. I shipped the item on XX/XX/XXXX, and after adding shipping information I was promptly hit with a " paypal dispute '' due to the buyer issuing a chargeback through their credit card. This immediately smelled like fraud, I reached out to the buyer and asked what was happening. They stated that because they hadn't received the item yet, that they charged back. This seemed odd to me since it had been all of XXXX business days, but we agreed to wait until the package arrived to hash things out w/Paypal. The buyer received the package and canceled the chargeback, and contacted Paypal to stop the dispute. 

After the user did this, Paypal issued a " review '' on my account and requested information regarding my transactions. I attempted to provide this info from my mobile phone but the site would not properly load. I tried to load it on my desktop computer, and it said the information was no longer needed and that I needed to wait for review. 

I attempted to contact customer service both by phone and by their chat system, both of which said that there were no customer service representatives and that I should try back during business hours. This seems odd considering it was early in the day on XXXX XXXX time. 

As of the morning of XXXX Paypal has notified me that they are closing my account due to policy violations ( which I have never violated ), and that they will not be releasing my funds ( {$3200.00} in total ). This seems fraudulent on the part of Paypal given that my buyer contacted Paypal to close the mistaken dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I solve my home in XX/XX/XXXX and prior to having to sell my home I had a lot of issues with my home loan through Wells Fargo. I believe Im owed money from the huge settlement payoff going on now 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 2023-01-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 a cash advance was taken from my Bank of America credit card in the amount of {$18000.00}. When I noticed the charge, I immediately notified B of A. I followed all the instruction to file the dispute. After 90 days the dispute was rejected, and they want me to pay the fraudulent charge.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed my account in early XXXX, I didnt know at the time how much I owed. I gave them more money than I expected and Wells Fargo never gave me my money. I called them numerous times about the money. Wells Fargo never refunded my balance owed.

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 2023-01-21 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: AL

Complaint narrative:
My checking account was over XXXX but I did not do 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 2023-01-21 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 — Overcharged for something you did purchase with the card
Company: Continental Finance Company, LLC
State: NH

Complaint narrative:
XXXX XXXX XXXX, also known as XXXX XXXX. I paid this account off with a zero balance and closed this card myself. Then mysteriously a new charge in the amount of {$580.00} appeared from new jersey I reported fraud and Verve said they correct this. This never happened and they continue to destroy my credit scores. I also sent several letters to Continental Finance LLC and XXXX and no response, with copies of their paid off letters and the fraudulent charge on my account. I live in New Hampshire and this charge was made in New Jersey. I called the so-called number and reported this on six occasions to their representatives and they all hang up however one person slipped up and gave me a different account number that was taken out in my name. XXXX is a fraudulent company. I also requested disputes from XXXX and XXXX and XXXX credit reporting agencies they denied my disputes and continue to harm my credit standings. I received a credit refund for {$400.00} and then I was charged one month later for the same amount, along with a late fee and notice on my credit reports implying this was my fault.

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 2023-01-21 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: AR

Complaint narrative:
Kept being charged overdraft fees till the account 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 2023-01-21 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:
I have a checking account and I always pay my bills such as my light bill. But the bank pulled it as fraud. It wasn't fraud it was my light bill. Now I'm paying for it. Then they let someone try to deposit a check in my account. Now I'm being charged for that.

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 2023-01-21 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
As a married couple, in XXXX, XXXX XXXX XXXX and I purchased a house on XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX ; XXXX. When we got divorced in XXXX, I was ill-advised by a lawyer. I signed a " Quit Claim '' for the house and I moved out of the house, thinking that was the end of my obligation. Since then, XXXX got disabled and could not pay the mortgage. 
The house was on the brink of foreclosure. 
Despite the " Quit Claim, '' my name was still on the mortgage and thus I was responsible for the mortgage. I paid all the overdue mortgage at that time to avoid foreclosure, and XXXX requested " loan modification '' so that he could manage payments. Wells Fargo refused. In XXXX, Wells Fargo was about to foreclose the house again. In order to avoid foreclosure, I had to sell the house for {$120000.00}, way below market value, on XX/XX/XXXX. 
XXXX owed {$60000.00} for a back payment. However, with an absorbent late fee, I had to pay off {$74000.00}. 
Since then, XXXX passed away. 
Wells Fargo took advantage of poor people like us and mishandled mortgages. Due to their refusal of the mortgage modification, XXXX and I lost the house.

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