vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX  XXXX/XXXX  ACCT # XXXX, XXXX  XXXX/XXXX XXXX  ACCT # 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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo bank is withholding emergency financial expenses due to the the bank monthly fees charge the check account The account isnt eligible for overdraft protection The reason the hold is on the account is because of the overdraft being caused by the monthly fees for the account I have evidence to support the fact I am not able to overdraft due to Account agreement disclosure I also been discriminated against by the banks customer service bankers negligence and placement of the delay causing server complications I been receiving different advertisement and information regarding resolution of this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is another coplaint about the same and no solution as I stated in my previous complaint I been robbed by XXXX bank and his partner in crime shellpoint morgage servicing but no one cares couse it's not their situation or their problems to stop harassing from this shellpoint morgage servicing I had to pay them money i I didn't owed them but they claimed I owed why this place I'm no only they were harassing me but they have in un the credit report as I was late another issue tha up to now it's gotten me stuck in my intents from moving to a different morgage bank they keep sending you any type of paperwork and it that's all it ends there never a proper answer or explanation they keep blaming XXXX  XXXX XXXX another corrupted morgage company or bank they might think because i paid them the extra month and all the late fees and they stopped the harassment that every thing end there but not really you are helping a corrupted morgage company to get away with my money or a crime you are covered them and this needs to be published and I will not stop ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paradigm Assets, LLC
State: CO

Complaint narrative:
XXXX XXXX 1 tells me they hold old debt from me. They then refer me to collection companies and I call them an they have no record if any debt under my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.

Complaint narrative:
I am XXXX living in XXXX in XXXX. I was applied a loan XXXX through online to Sofi.com on XXXX. that time they asked me the 5 % deposit amount for my repaying capacity purpose. The customer care person asked me the deposit for your account number is wrong so that you want to pay XXXX. I paid it. Again and again they collect the money many more reason facts till time. I paid totally XXXX their asked money. Till time there is no solved my problem from them. Now they asked transfer fee charges again. I wont pay it, i told to them you refund my deposit amount, that time they told me, If you want your deposit amount you want to pay 10 % of my total deposit amount. I thought now they are doing frauldent activity from the public. They doing only collect the money from the public and enjoy it. 
I have really disappoint with this Sofi.com company. I have getting XXXX XXXX. I want to compansate this company XXXX Crores along with my deposit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
A women called me from this company threatened me regarding this collection and was very rude and nasty to me wouldn't give me any information on what was owed or why and told me if u didn't pay it the would seize my paychecks and go after my family for it if it wasn't paid. Medical should never be on a credit report nor should I be threatened to make a payment this is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
Debt found on credit report. Do not know where its from or what it is. Didnt receive information of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
There was fraud on my Wells Fargo account after XX/XX/2021 Ive filed the disputes for each transaction that was unauthorized and I also given the bank supporting evidence to provide me a provisional credit within the ten business days I was told my account would be provisional credited. At this point they are not trying to issue me a refund of XXXX back to my account my name is XXXX XXXX XXXX XXXX and this fraud token place in 2021 and I still havent received my reimbursement at all. So I would diligently appreciate if someone can help me receive my pain and suffering of this horrible predicament thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request. 

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I was in XXXX for XXXX XXXX and I was victim of XXXX, I send to the company all the proofs that thats really happens and also of the police report, they have in my statement the stuff that I buy days before and the thieves take it, is been 5 months since I made the claim and always they have a excuse to no give me money back, they answer one month after every time they need some documents for me to make this longer. I send it!! But today was to much, they ask me for the receipts and how I will get that after 5 months!??? Im tired because I send all the proofs and its no fair they say to have that benefit and dont give it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 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 XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX BANK ACCT # 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  account numberXXXX  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  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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX bank account number-XXXX  XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX bank account number-XXXX XXXX XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCYXXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
principal payments not applied to principal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Received text scam trying to get me to open a website to hack my info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to deletXXXX Inq : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! XXXX XXXX Experian XXXX XXXX XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MS

Complaint narrative:
This is a notice that the Experian XXXX XXXX XXXX has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXXXXXX XXXX XXXXXXXX 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 2022-04-14 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:
Equifax does not properly investigate disputes I have requested. The allow companies to just print a statement for validation instead of providing PROPER validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I sent a debt validation letter via certified mail that they received on XX/XX/2022. This company has failed to validate my debt. please delete this from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: NC

Complaint narrative:
In XXXX of XXXX an unknown person attempted to open two accounts with XXXXXXXX XXXX  XXXX under my name with my former work address, delaying their delivery to me. XXXX XXXX XXXX flagged the accounts as identity theft and immediately shut the account. The accounts were never active. 

In XXXX of XXXX I received a collection letter from Associated Credit Services , Inc. stating I had an amount owed on one of the accounts that was never active. I contacted XXXX ( formerly XXXX XXXX XXXX ) regarding notice. They informed me that the notices was bogus, and that I did not have any outstanding debt and that these accounts have remained closed. They suggested I ignore the notice and not contact the company as it was probably not a legitimate company. 

Attached are the correspondence from XXXX XXXX XXXX and Associated Credit Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have been dealing with that issue for about four years now. Someone opened an XXXX XXXX XXXX account on my name with different name and different address and they didnt pay they bills. When that first came up I disputed with XXXX and I won I also got a police report and submitted all my XXXX XXXX XXXX bills, I even talked to XXXX XXXX XXXX they told I didnt owe them any money. That happened again 2 more times with different debt collections company now I am dealing with it again. I was wonder if you guys can stop these people for messing up with my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureauXXXX XXXX bureauXXXX XXXXXXXX bureau-XXXX  TransUnion As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureau-XXXX XXXX bureau-XXXX Equifax bureau-XXXX XXXX As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX made several materially false statements about his ability to offer a construction loan in order to secure my application. After receiving my application, he retracted all previous statements and informed me that he could not assist me. XXXX misrepresentations led me to apply with Cross Country XXXX # XXXX which negatively impacted my credit score and creditworthiness with other lenders. XXXX misrepresentations include : - credit score requirements - interest rate - cash at closing requirements - down payment requirements

Company response to consumer: Closed with explanation