vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had a checking account with Wells Fargo bank. There were times when overdraft fees were taken out. They also closed my account due without notifying me first.

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 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay any debt collector as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with you for an exchange of services or goods. The extortion part is when the debt collector fraudulently post to my credit report, in an attempt to extort money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Im submitting this for the Wells Fargo settlement. I had an account with them during the time period stated but never received 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 explanation
Consumer complaint received 2023-01-19 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: WV

Complaint narrative:
Equifax will not remove a medical debt that is under {$500.00} from my report. XXXX and XXXX have already completed this request without issue. I have sent another request for this to be removed from Equifax again. First dispute was sent on XXXX XXXX, 2023 and another dispute was sent on XXXX XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
After sending 2 certified letters requesting the original purchase agreement bearing my signature, I have yet to receive it. A printout with my name on it from any computer is not validation of any debt. The Bureaus Inc. stated that I opened accounts with stores I would never even shop at back in 2016 and still do not shop at today. At XXXX XXXX XXXX, I was not even thinking about credit due to focusing on my studies. As stated previously, I've never owned a credit card! 

Additionally, after looking up the license for the Bureaus Inc. they can not legally collect on anything in the state of New Jersey because they don't have a license to do so. I wish for them to stop harassing me and remove the negative information off of my credit report because I have never had any credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2021 I found out that I had a debt owed to my car insurance company from a previous policy that had been closed, my understanding was the policy would transfer to my new vehicle. I paid it immediately to get it resolved however it was already send to a collections agency. The cost due was {$120.00} paid in full on XXXX XXXX. My payment was made through XXXX. My credit report with XXXX shows the payment date was XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've been paying Equifax a {$9.00} Recurring monthly charge for Equifax XXXX subscription Since XX/XX/2022 with this subscription Equifax promise Daily credit score and credit report. They failed to provide me with updates on my credit score and credit report. I contact them multiple times about the issue they ask me to send my ID, SSN, and proof of address i did that multiple times and they still haven't resolve the issue and i'm still paying for the subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems is reporting to credit agency a debt that is not mine, I sent them a mail to send me documents to prove that this debt is mine, They sent me a document with someone else name on it and a address i never lived before. This is Unfair and causing a lot of damage to my credit report and my access to credit. I've attached copy of the mail i received from them. 

I had identity issues in the past and i sent them copy of police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: LA

Complaint narrative:
There are inquiries on my account that I didnt authorize.

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 2023-01-19 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: TX

Complaint narrative:
I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

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 2023-01-19 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:
I was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Charged fees but I are currently being disputed I was a checking account holder for many years. According to the article I read I am entitled to {$100.00} for the year inappropriate weed charges to Wells Fargo checking account holders.

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 2023-01-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: LA

Complaint narrative:
Not being able to access my Consumer File.

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 2023-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got a letter in the mail saying they sent a check to me but it was asent back I lost the letter so trying to get in touch with someone to get it sent to my new address

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a checking account in 2018, I did not have access to the account for a while and all my money was taken for bank fees.

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 2023-01-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have been trying to pay this loan off since XXXX XXXX XXXX! I started paying extra amount to the principal but it kept getting paid as a monthly payment with additional interest and then not being applied to my monthly payments! Which caused my account to reflect 30 days past due! Not to mention additional fees being added for no reason. I was told it would be removed and would go straight to the principal balance, in which did not happen! This is the 4th time this has happened on this account causing more interest to accrue on the account, making it harder for me to pay this loan off! They are now saying that I have an additional {$590.00} due along with the pay off amount of approximately {$1000.00}. This is not true and I will upload documents to prove what my bal was in XX/XX/XXXX. The additional interest that was owed at that time was {$1500.00}. Then on XX/XX/XXXX the additional interest was listed at {$2100.00}. That is not possible. It cant gain the amount of {$590.00} in 8 days at {$17.00} per day in interest! The most that it should have went up in XXXX is {$140.00} in which principal payments were made in the amount of approximately {$1600.00} total from XXXX through XX/XX/XXXX! I have been calling for an entire month trying to get this resolved to no prevail! When I ask to speak with a supervisor Im being told it would take 5 business days for a call back! In the meantime Im getting held up from paying the vehicle off being charged additional interest! I am at the end of my loan and maturity date is XX/XX/XXXX. I have been working diligently to get this paid off before this date, without the cooperation of Capital one!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
When discussing with original creditor they've advised debt is with a different company. This law office is not mentioned they also will not work to set up payment arrangements advising they will continue to send to courts. Balances also don't match what insurance shows in XXXX. 

Original creditor has also failed to bill to secondary insurance that was available at the time of some ofbthe services. They also failed to offer any realistic payment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo breach of contract! Been a customer of WellsFargo since 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 2023-01-19 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: WI

Complaint narrative:
Wells Fargo is prejudice and they do XXXX folk wrong. They take our money with those ridicules charges.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has harassed me with phone calls, text, emails and letters about a {$600.00} purchase I made in XX/XX/2022 that I returned. I have been charged enormous late fees and interest and they refuse to make adjustments. There is no communication or little between the credit card company and the retailer. I have late fees upon late fees. I was told I needed to send a letter to their customer service department to request in writing that fees be waived. I did this on XX/XX/2022. I continue to still get emails and bills and late fees. They are rude and lie on the phone. They have the worst customer service I have ever experienced!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My complaint is how my PSLF has been handled throughout the XXXX to MOHELA transfer. I have submitted my PSLF forms to XXXX on XX/XX/XXXX. My payments stayed at 100/120 for the entire time even though I have uncounted employment eligibility from XXXX which should count towards my 120 payments. MOHELA is showing the same amount of payments. I called MOHELA and they state they are behind, but I have waited for them to count the XXXX payments since XX/XX/XXXX. Every time I call, they say that it's been escalated and that I should be well over the 120 payments. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: DC

Complaint narrative:
I have multiple over drafts fees throughout the 13 years I have been with Wells Fargo over 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fees being charged by Wells Fargo

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I tried doing a modification back in 2011. Wells Fargo had me jumping threw all kinds of hoops and laughed at me when I was in contact with them then would not take my calls or email whenI thought I was close to my modification I was in foreclosure and had to take out bankruptcy to protect my home. They were not helpful at all

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 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I recieved a phone call from XXXX  XXXX XXXX XXXX asking if I was the wife of XXXX XXXX. I asked who was calling they repeated there Company name, then proceeded to tell me his date of birth and that they were a debt collection agency calling me in regards to a debt that he incurred before we started dating that I had no idea about. Then asked me how was I going to handle the debt by making a payment. Not only did they give out his date of birth to me, they told me about his debt, how much it was and what Credit Card it was for and the year he took it out. I explained that what they did was wrong, they can not call me giving out his personal information and debt information without any real verification of whome I really was, about a debt he had before we even started dating that i knew nothing about, especially when he also has a family member with the same name as mine. They proceeded to argue that what they were doing was OK, and if I had said I wasn't who I am they wouldn't have given me all his personal and debt information. I then asked to speak to a supervisor who also decided to argue with me, I asked for their consumer hotline and he gives me a phone number to customer service for complaints. I call the number given and the person who answers immediately asked for XXXX XXXX. Even though I called them, and from my phone as if they rerouted the call back into the same office, so I asked the representative why he would ask to speak to XXXX XXXX if I called them at a number provided. He responded by asking how he can help me. I don't know what this company is doing, but this can't be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I don't understand why I don't have an account anymore my account was closed by bank and I don't kno why

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