vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
On XXXX, I used the Wells Fargo Mobile app to deposit two checks, for {$2000.00} and {$1000.00}, respectively. As is typical, the success message indicated my funds would be available the next business day, which was XXXX. A screenshot showing the deposit details, including Available Date, is included. Then, on XXXX, I received an email from Wells Fargo advising me a deposit hold was placed on my account my deposited funds would not be available until XXXX. I contacted Wells Fargo and was told that it can sometimes take longer for checks that have been deposited to clear. This did not seem to make any sense and was not in line with how Wells Fargo has processed deposits for the five years I have banked with them. A " reasonable time '' for a local check to clear is 2-5 business days, according to Regulation CC. That time period has lapsed, I have spoken with XXXX at Wells Fargo Corporate, and Wells Fargo is still unwilling to release the funds until XXXX. I believe I am being retaliated against for having a recent negative balance. I was a XXXX  at the time and just graduated. The negative balance issue has been cured.

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 2022-06-16 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: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/2022, Hunt & Henriques LLP, a debt collector, sent me a letter attempting to collect an alleged debt they alleged I owed to XXXX XXXX XXXX. ( ATTACHMENT A ) On XX/XX/2022, Hunt & Henriques received my request for debt validation via certified mail ( ATTACHMENT B ). My response included a notarized AFFIDAVIT OF TRUTH ( ATTACHMENT C ) where I asked Hunt & Henriques ( debt collector ) to validate and verify the alleged debt according to my rights as a consumer. I also served them a notarized Cease or Desiste Notice ( ATTACHMENT D ) to inform them to stop all communications or attempts to collect his debt ( which I was in fact disputing ) until they have fulfilled my request for debt validation and verification. I also requested that they provided answers, point by point, to the affidavit I provided them with. This is so I can ascertain that this is in fact a debt I owed. 

On XX/XX/2022, Hunt & Henriques LLP sent me a notice ( ATTACHMENT E ) that did not comply with my lawful request for debt validation, verification and did not answer or rebutted any of the additional information I requested in the AFFIDAVIT I sent them on XX/XX/XXXX. Their response only included a COPY of a bank statement, and did not properly verify and validate the alleged debt. Fact, I, the affiant, am aware that an unrebutted affidavit stands as truth in commerce. 

On XX/XX/2022, Hunt & Henriques LLP, sent me a notice ( ATTACHMENT F ) threatening to start legal action against me for the alleged debt they FAILED TO VALIDATE and VERIFY despite the fact that I have, in fact, disputed such alleged debt. 

According to the CFPB, a debt collector must stop any attempts to collect debt until they have properly verified the alleged debt. This is not only an infringement of my rights as a consumer, but also a violation of the Cease and Desist notice they received via certified mail on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

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 2022-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I'm a US Veteran with a Service Connected Disability and a VICTIM of Fraud Since XXXX! This was Reported on XXXX But Predates to XXXX. There has been Several ONGOING Legal Issues which have NOT Resolved since XXXX Including 100 % Loss of all Financial Assets. 
Many XXXX Related Including Health Care Issues from Hospitalization. 
XX/XX/XXXX Account Balance {$130.00} By Unknown XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX And XX/XX/XXXX Account Balance {$130.00} Credtor Name ( XXXX XXXX XXXX ) THESE ARE NOT MY ACCOUNTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Nelnet, Inc.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, Great Lakes was contacted and provided proof that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I wish to refer to a loan with that is been serviced by Community Loan servicing. Their loan # is XXXX. Property address : XXXX XXXX XXXX, XXXX, MD. XXXX. 

The property was sold on XX/XX/2022 at a foreclosure action with settlement within 60days. 
I believe that the property have now settled for more than what was outstanding on it. 
All attempt to get Community loan servicing to be transparent with the transaction and provide details of the transaction has so far failed. We know that there are credit accrued to us even after deduction all their frivolous charges. 

But Community Loan servicing refused to provide detail and will not give us the balance due to us. The further mucky the water on this transaction, it appears the loan may have been transfer to another servicing company between the time it was sold at auction and before it is finally settled. No further information is provided to us. 

Kindly prevail on Community Loan Servicing and the new servicing company to be transparent and remit the balance due to us without further delay. 

We want to thank you for your time and cooperation on this matter. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with Experian ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about 50 points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ /month for their services which I can not afford.

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 2022-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
During the time starting at XX/XX/2020 my name was used to open a fraud account with XXXX XXXX. On my XXXX report I saw addresses based in Texas that were supposedly linked to me as places of previous residence. I have never live in Texas nor ever had an XXXX XXXX account! The racked up charges of approx {$740.00}. 

I have had multiple activity appear on my credit report as a result of this fraud. I need help please. I have contacted XXXX XXXX and I am in the process of faxing them a fraud packet along with a Police statement. 

My residence has always resided here in NJ. I will include utility bill to showcase just that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16 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: PNC Bank N.A.
State: TX

Complaint narrative:
I have received an email on XX/XX/2022 from XXXX XXXX ( Executive Client Relation ) at PNC ( after I file a complaint with CFPB and FTC ) stating that I will send a written response via CFPB. Also, you will be getting a fraud packet in the mail to complete with the requested information. I completed the Fraud Packet and send it back but still I haven't heard anything from them. Now the fraudulent account ( Act # XXXX ) I disputed showing as a charged off account on XXXX with balance of {$15000.00}, on XXXX with balance of {$15000.00} and on XXXX with balance of {$15000.00}. 
My Initial report numbers with CFPB and FTC are listed below. 

CFPB Complaint # XXXX FTC Report # XXXX Please help me resolve this issue and have PNC to remove this account from all three major credit XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
For the past two months I have tried to use my XXXX XXXX Visa card. All transactions I tried to complete were declined. Today, I received a notice via XXXX XXXX that my XXXX XXXX card was closed. I called the number on the back of my card and it said " Your account has been closed '' and hung up on me. I called into a back door number to inquire and was told they couldnt discuss it with me, couldnt be appealed, and no one could change the decision if I wanted the card again I had to reapply. 

I have never been late, never over the limit. In fact every three months since I got the card I have received an increase and my I just received an offer last month for a special purchase rate promotion. The card has not gone inactive either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: MS

Complaint narrative:
Equifax is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX when in fact the date of last activity should have been XXXX as this is the date a last payment was made. Equifax and XXXX has had months to correct update this information yet they never did.. I have attached all letters sent to them within the last five months. 

Under 605c running of the period under the consumer protection afforded by the FCRA, consumers can fine the credit bureaus for violation of this right. For credit bureaus, creditors or collection agencies if they try and re-age your account by updating the date of last activity on your credit report in hopes of keeping on your file longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: National Commercial Services, Inc
State: TX

Complaint narrative:
National Commercial Services Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is a collection agency reporting for XXXX XXXX originally contacted me on an unpaid insurance balance of {$7200.00} as of XX/XX/2020 with a payment agreement of XXXX XXXX  monthly. After paying monthly as agreed the balance kept accruing interest and is now reporting to the credit bureau in the amount of {$8300.00} from the collection agency. The payments that I have made were not properly applied to the unpaid balance and the balance is now increased on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: CORELOGIC INC
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

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 2022-06-16 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: CBC Companies, Inc.
State: OH

Complaint narrative:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: CA

Complaint narrative:
On my credit report dated XXXX, from Equifax, they stated " validated '' for XXXX XXXX. As you can see, XXXX XXXX is reporting inaccurate information on all XXXX credit bureaus. How can they have verified anything when it's still showing inaccurate information. According to my rights, the CFPB and FCRA state I have the right to privacy and I have the right to accurate, verifiable information on my credit reports. XXXX XXXX and the 3 bureaus know what my rights are and they know their responsibilities when reporting and placing information on my credit report. I am having to do all this research in credit repair. I have been disputing this for months. Its a violation for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-06-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX MA, Account # XXXX has violated my rights. 

15 US 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.

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 2022-06-16 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: GA

Complaint narrative:
The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent TransUnion two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the TransUnion Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required, in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( TransUnion ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that TransUnion provide this information or DELETE the inaccurate accounts from my file. TransUnion has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( TransUnion ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, see CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply

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