vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Beginning in XX/XX/2022 I began experiencing fraud related issues on both my personal and business checking accounts. Wells fargo failed to take proper action to close my personal account. The block did not work I incurred numerous overdraft fees as a result due to my available balances being lowered. Not all my fees were reversed. WF refused to provide a copy of written policy. My personal account is now suddenly closed without any prior notice. I am unable to view any statements online as the entire account was removed. They are denying my request to open a claim on my business account for the fraud charges. My account is still overdrawn due to all the excessive overdraft fees. I refuse to pay these illegal charges. My account needs to be fully corrected immediately. Their executive resolution team has not resolved anything.

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 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello! 

In XXXX 2022, I made several disputes against XXXX XXXX XXXX due to breach of contract. You decided most the cases in my favor except for two. When i inquired about it, the reps could not explain why. The payments that were decided in the sellers favor were parts of the payments that were decided in my favor. I submitted proof of merchant not having license while he was performing the work and the defective half way done work that he did. However you still claimed that i did not provide proof of due credit. I would like for the cases to be reopened. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 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: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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: PA

Complaint narrative:
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. 
Account name : XXXX XXXX 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 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 2023-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
I was a patient at XXXX XXXX of Indiana over two years and was diagnosed with XXXX  XXXX XXXX  which means XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apparently, I was asked to sign something that I consented to be classified as a patient under observation. I don't remember signing this form. Later I found when looking at billing statements that I had indeed been classified as under observation and had not been admitted to the hospital. Even though I was in a hospital room for over 24 hours After I researched this I found that the hospital can charge three times the amount that I would have paid if I was simply admitted to the hospital. I would have never agreed to this but the hospital took advantage of my situation and had me sign something when my husband was not in my hospital room. 

Since my insurance company has already paid over {$16000.00} for my stay I don't believe I should be charged {$3100.00}, I dispute this bill for obvious reasons that I signed something which I never would have signed if XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this entire amount and my next step will be to contact my insurance and file a claim stating that this is a case of insurance fraud as committed by the hospital. The bill is now in the possession of an aggressive and unscrupulous debt collector who will file a judgment against me, ruining my credit and will not give me time to pay anything I owe. They will also garnish my wages over a bill that I do not owe. I request that all collection cease and the bill be rescinded by the hospital with an explanation to my insurance company about overcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I called Citi bank to dispute a charge on my Costco/Citi bank card , which they canceled the charge then resent another card. Three days later I had another fraud charge on the new card ( which was never activated by myself ), I again called Citi bank who canceled my whole account instead of my card. Now they state they can't reopen my account, but also are refusing to issue my rewards that I have earned from last year. They claimed that since the account is closed, their terms state that the rewards are forfeited. The account was canceled in error by one of their employees and was never requested by myself. I have had the card for almost 10 years and have paid the card in full every month.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo froze a joint account my husband and I shared back in 2011. It was for a few XXXX dollars being deposited by the military, it caused us a significant amount of trouble because it directly affected our lives we were late on rent and other bills and end having to pay a significant amount of late fees due to the account being frozen. It took more than a week for them to correct their error. This event led to us closing our accounts with them permanently.

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 2023-02-02 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: CO

Complaint narrative:
I reporter the identity fraud to the XXXX police on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.

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 2023-02-02 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Disputed charge on XX/XX/22 in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item. 

The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. 

A large amount of evidence including a returned package tracking number was provided on multiple occasions.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an account with Wells Fargo on XXXX. I never had any problems with my account until I received some XXXX deposit on XXXX the amount was {$2300.00} for the part time job I started in XXXX. I was told the amount was reported fraud. I spoke with my XXXX from the part time job. The XXXX told me that wasn't right. It happened again on XXXX for {$2000.00}. I explained to Wells Fargo again payment was for my part time job. I also received a call from a Wells Fargo representative letting me know someone called Wells Fargo pretending to be me during that time. I created a password to make sure my account is secured. The password would be used when I call in about my account. 
In XXXX of XXXX someone's unemployment payment was sent to my account by mistake. Wells Fargo blamed it on me. I told them I didn't know that was sent to my account. The money was returned to the sender no problem. I thought everything was okay. I received a call from Wells Fargo on Saturday XXXX that my account was being closed and there's nothing I could do about it. I went to the Wells Fargo ATM to get my money that I could get from the account. They would not listen to me. The blamed all mistakes in me. I made sure my account was secure from my side. The closed my account wrongfully.

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 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I contacted Midland Mortgage in XXXX, during the XXXX XXXX, to inform them I was unable to work due to economic shutdown. I was approved for a program that put a hold on monthly mortgage payments. 

However, that program expired after a certain time period and I was informed all of the back payments were due to be paid. 

Unable to pay arrears to bring the loan current, I applied for a loan modification program to re-finance the mortgage. Unfortunately, I became XXXX  and no family member could afford to make the initial instalment required to process the modification. 

Unable to process the 1st loan modification, I later re-applied for a 2nd but Midland Mortgage refused to process the modification until XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were received with the paperwork. 

In order to " get ahead '' of the required modification instalment, I applied for a 3rd loan modification and was recently denied due to the property being vacant.

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 2023-02-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, Experian continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Experian have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, 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 2023-02-02 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: NC

Complaint narrative:
i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of XXXX XXXX credit cards paid in full with a XXXX balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( XXXX ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my XXXX XXXX XXXX, Notice of demand, XXXX financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein experian was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
There are three credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX XXXX XXXX XXXX XXXX # XXXX. Genesis Bank Card Services was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, GA XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX  XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is CB Indigo taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
My mortgage company keeps buying insurance on my behalf even though they have a copy of my insurance documents. I have called and fixed the problem about 5 times in the last two years but every few months they purchase insurance on my behalf and automatically withdraw and extra {$400.00} in automatic payments. They owe me almost {$1000.00} and it takes about 1.5 hours to get someone on the phone every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See document attached

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 2023-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I did initiate wire from my own account ( marcus ) tranfer from marcus via phone due to large amount on XXXX XXXX XXXX XXXX XXXX PST to My XXXX XXXX and according to marcus on their website wire before XXXX will process on the same date but i did contacted them 3 times regarding status and still pending on XX/XX/XXXX. Its my own fund and they are delaying it. they should have wire out same day but i am writing complain on XX/XX/2023 XXXX XXXX PST and still not transfer has been done i still see funds in my marcus account. I am also suspecting they will not be proving me this delay days interest also.

I am attaching their own rules from their site for wire transfer details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NC

Complaint narrative:
Debt is damages from an apartment complex we lived at for XXXXXXXX XXXX. Apartment charged us for full replacement without reducing for depreciation and charged for things that are illegal to charge for. I communicated the law to them with links to the government sites that stated what they could charge for and that certain items had to be depreciated. I asked for receipts for the repairs they billed us for and they refused. They told me my only options were to pay, setup a payment plan, or they would send me to collections. I continued to dispute the amount with them and they responded by sending me to collections and refusing to communicate any further with me. I sent a letter disputing the debt to IQ Data Corporation ( the debt collector ) which they acknowledged receiving and said they would get a judgement against me for the debt. It has been over a year since they communicated that and nothing has happened while my credit has continued to be damaged by the debt.

Company response to consumer: Closed with non-monetary relief