vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My housing counselor and I asked for a detailed breakdown of all the fees & charges to my mortgage with Wells Fargo. We did it on the phone, by handwritten letter & email several weeks ago, but Wells Fargo failed to deliver it. 

They also imposed an escrow acct and charged me for property taxes/HO insurance premium that were never over due. 

I applied for WA HAF in XX/XX/XXXX and was informed the HAF would be delivered by XX/XX/XXXX. But Wells Fargo failed to provide the correct amount due and put the HAF assistance at jeopardy. Each time they provided a high number thats different from the official statements and what we were told on the phone. Even their XXXX did not know how those number come up as they did not add up. 

Wells Fargo is the worst large agency I have dealt with. No wonder it was fined $ XXXX recently. I am deeply frustrated and need your help ASAP. Thank you! 

Truly yours, 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have contacted LVNV funding LLC and demanded they stop reporting False information on this account XXXX, I sent out a certified letter with tracking number on it on XX/XX/2022 a request for proper account level documentation of personal knowledge of said account and proof of real ownership, they pretend to report a past due balance, but i have never done any dealing with this company., but have been given the silent treatment..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: American First Finance, Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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 an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
1.Amer Fst Fin Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
XXXX is an internet communications company that at the time was the only provider on the base Im stationed at. 

Never did I sign an agreement, agree to any specific terms other than a fixed rate internet plan. 

They are attempting to charge me for one month of an internet service I have never used and never signed any document about. One that I have tried to rationally discuss with them, and have been continuously mistreated. I have been disrespected and mistreated by their customer service. 

I received equipment and didnt set it up, due to moving, and tried using their customer service to return it. 

Repeatedly they were extremely unprofessional, hard to deal with and wasted hours of my time. Hanging up on me multiple times. 

I had to go in person just to get the equipment returned, a note was put in by a kind employee who said the charge would most likely be removed. Upon returning the equipment to a store in person, I was told that the equipment fee was waived. 

They continued to harass me with further emails and calls stating I owe them for a month of internet. My attempts to contact were in vane. They continued to harass me while at work. A company Im forced to use on a military base because XXXX XXXX XXXX military has gone out of its way to misuse and harass me. Even attempting to interrupt my work. 

Theyve now sent this imaginary debt to a collection agency, refusing to let me represent myself or justify my situation. 

I would happily bring them to court and set a precedent if needed because this is not right in any way, and I would imagine some people would know its completely wrong and just pay this aggressive unreasonable company. Their customer service takes hours to use and gets you nowhere. 

This company doesnt treat you like a person or attempt to assist you. The customer service team is in another country, and has a list of automated responses. They dont have supervision to route to, they simply humiliate and waste time, while this company does whatever it wants unchecked. I was forced to use this service until I moved.

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 2023-02-07 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Account Name : XXXX Account Number : XXXX If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account Name : XXXX  Account Number : XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/2023, I paid {$1500.00} towards an approximately {$2900.00} balance on my Wells Fargo Card. I received my statement dated XXXX and it reflects that payment, however the bulk of the payment went to the 2 promotional 0 % balances as opposed to going towards the regular purchases coming in at 21.40 %. The 0 % does not expire until XXXX of 2023. The large payment was meant to pay down the 21.4 % interest. In all my dealings with credit cards, the payment has always gone towards the larger interest rate. I called the bank and spoke to a customer service rep on XX/XX/2023 and he didn't really explain it very well why this happened. I asked to speak to a supervisor and was transferred to a gal who explained that it was because I am still using that card for purchases. I said I use it because it has Rewards that I like to cash in for gift cards. She said that I should get ANOTHER rewards card with them for that if I don't want my payments to go towards my promotional balances 1st. This does not seem right to me. I don't feel I should have to have to Rewards cards with the same bank in order to have my payments applied properly.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX auto finance, XXXX XXXX, XXXX  XXXX auto finance in a XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
There should be XXXX reference number but I was informed there are XXXX reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser. 
It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 
I continue to request validation of this account and I have yet to receive it. 

Furthermore this alleged account has already been deleted from my credit file through XXXX. 

As I looked further, I see the other XXXX credit reporting agencies are still reporting the alleged account. 
The reason they are still being reported on the other XXXX is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. 
XXXX has not validated this alleged account and can not continue to report inaccurate and inconsistent information. 
I am submitting exhibits to show that XXXX did not report accurately and consistently. 
You will also see " terms frequency '' is inconsistent between the XXXX major reporting agencies. 
The " loan type '' is inconsistent. 
I see that this alleged account is being reported as closed and as a collection across all XXXX major credit reporting agencies. It should report the same all across the agencies. 
I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported. 

I am requesting that XXXX be removed from the XXXX remaining major credit reporting agencies immediately!

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am in the process of trying to pay my promotional balances for XXXX XXXX XXXXr and I am being told that I have to pay my minimum payment before they can allow my payments to be applied towards the promotional plans, which is due before my minimum payment. On XXXX, I spoke with an agent by the name of XXXX who assured me that my payment for the month of XXXX would be applied to my promotional balance, but when I called today, I was told that I have to pay my minimum payment before they can apply anything to my promotional balance. Given the discrepancy in information provided, I am forced to believe that they are trying to make sure that I accrue interest, which I am no position to pay. This fraudulent practice must be called into question as consumers should not have pay their minimum balance before the due date.

Company response to consumer: Closed with explanation