vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
Equifax, XXXX and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We had a terrible health issue and outstanding medical bills. We had to file bankruptcy still working with Wells Fargo mortgage They were included thru the process. Then XXXX  Wells Fargo breach the contract. First they was paying our property taxes without no notice and we sign a waiver that we would pay our. Self. Then a few months later we called about XX/XX/2012 around that time was told u dont pay this month. You can skip this month payment of course we did they took us to XXXX. They would not stop just send our check back no credit no accept any money the foreclosure fees they just would not work with our lawyers or anyone until they forced us into modified XXXX yrs. Unjust false claims alter records fraudulent was very real in them

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax place a hold on my account for Promotional reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXXXXXX XXXX

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: IN

Complaint narrative:
XXXX XXXX XXXX  the amount of XXXX was takin out every day of those dates they closed my account down without even telling me also. So unprofessional now I cant open a account with them

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
PURSUANT TO 15 USC 1692C. ( C ) ( 2 ) - 1AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT DELETION FROM ALL CONSUMER REPORTS BEST REGARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened a collection claim in the amount of XXXX dollars. On XX/XX/XXXX I called about this claim and they immediately wanted my social security number, and payment options. I was not given any explanation why I owed this money, XXXX just wanted payment.

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: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX I voluntary turned my car in due to falling behind on payments Credit acceptance sold the car leaving a balance of {$7000.00}. 
On XX/XX/XXXX XXXX  the other party on the loan received a call from XXXX an employee at credit acceptance for a settlement of XXXX XXXX XXXX XXXX. Stating that once paid it would state paid and drop off of our credits. 
On XX/XX/XXXX XXXX the other party on the loan called credit acceptance to get that in writing, XXXX XXXX XXXX  she stated a letter was sent out but also stated that it would not drop off my credit and report as settled. I requested a supervisor call back. Also requested the call with XXXX be reviewed. 
On XX/XX/XXXX XXXX called stating that credit acceptance does not drop anything off of reports. I explained to her that I do know that but they do report to an agency and pay to delete is legal for paying a settlement. She continued to tell me Im wrong and would not transfer my call to anyone. She stated that the settlement amount has not been paid so how do I even know how it will affect my credit. I asked for someone in the reporting department to call me.

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 usc 1681. 

Experian, XXXX and XXXX have violated my rights to privacy and confidentially. 

15 usc 1681 section 604A states that I have the right to privacy.

15 usc 1681 section604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 usc 1681c ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo advertises early paycheck deposits ; however, they are not allowing customers to use the money when paychecks or Social Security checks are deposited early by the institutions sending the money. If the money is used prior to the actual pay date, Wells Fargo sends customers messages stating the account is overdrawn and money needs to be transferred from other accounts to cover the overdraft. This has happened to me several times. My paycheck is from XXXX and my Social Security check is from the SS Administration. Wells Fargo knows these funds are good yet they refuse to make deposits definite until later date.

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 — Personal information incorrect
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I have reason to believe that XXXX and YES FIRST POINT COLLECTION RESOLUTIONS have violated my rights as a consumer and incorrect information as far as addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OH

Complaint narrative:
On or about XXXX XXXX XXXX I was provided with a reward code from KeyBank for opening checking account ( reward code XXXX in the amount of {$200.00} dollars ). I also received a second reward code XXXX, in the month of XXXX XXXX XXXX, for opening a savings account in the amount of {$50.00} dollars. KeyBank had failed to comply with their advertising ads upon opening the accounts which I complied with their requirements to receive the rewards. However, due to KeyBank 's failure to process the reward code. I had to close the first checking account and request that the reward code be applied to the second opening of the checking account. Upon requiring about KeyBank, failure to process the reward code to the first opening of the checking account nor the reopening of the second checking account refused to comply with their advertising requirements nor complied to reward me for opening the saving account which had no issues. I stated that all requirements were met with checking account and saving account upon opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Subject : Urgent Request for Assistance - Cancelled Refund and Miscommunication with XXXX XXXX and Aidvantage To Whom It May Concern, I am writing to request immediate assistance from the Consumer Financial Protection Bureau regarding a severe issue I have been experiencing with XXXX XXXX and Aidvantage regarding my federal student loan refund request. 

I am a federal student loan borrower and have been trying to request a refund in the amount of {$18000.00} with XXXX XXXX since XXXX. Despite multiple attempts, my refund request was cancelled and my account was moved to Aidvantage without any prior notice or communication. 

I have followed up with XXXX XXXX multiple times, but they have not been able to provide any solutions or assistance and have instead directed me to reach out to Aidvantage. However, none of my paperwork or account information has been transferred over to Aidvantage, making it extremely difficult for me to follow up and proceed with my refund request. 

I am extremely dissatisfied with the level of miscommunication and lack of assistance provided by both XXXX XXXX and Aidvantage. This experience has caused me a great deal of stress and financial hardship, and I am urgently requesting the CFPB 's assistance in resolving this matter as soon as possible. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

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: FL

Complaint narrative:
I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

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: FL

Complaint narrative:
I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
SInce XX/XX/XXXX we have been working on getting put into review for loss mitigation. This is our second time filing a complaint as nothing was resolved the first time. We filed the first complain ont XX/XX/XXXX. Bank of America only followed up twice on XX/XX/XXXX & XX/XX/XXXX and took a month to get an answer after that and the answer was still no. The reason we are being denied getting put into review for XXXX XXXX XXXX Bank of America wants the borrower 's son who is listed as a co-borrower to sign some documents. Here is where lies the root of the problem as the borrower 's son filed a quitclaim deed on XX/XX/XXXX right after filing bankruptcy to dissolve any personal responsibility from loan and dissapeared. The borrower has not been able to get in touch with her son as she has no idea where he is. Yet, Bank of America persists that they will not go through a review for loss mitigation unless the son is able to sign certain loss mitigation documents.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.

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 — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was lead to believe I was getting a at home but then the company hammy cash in a check of {$1400.00} on XX/XX/XXXX to help pay for my equipment see it on XX/XX/XXXX to send me {$2400.00} on a check both through email, then on XX/XX/XXXX XXXX cashed in a check of {$650.00} he told me to use the XXXX and the XXXX checks to buy gift cards with {$500.00} consisting of them. They also told me to keep {$250.00} of that {$650.00}. I have made it into my account but on the XXXX. My account reached- {$1400.00}, the check bounce, and when I went to report it with my bank, the investigator came back and told me that all the checks that I put in were fraud but since I used them even though I didnt know they were fraud since I still use them. I still have to pay for the negative debt. FifthThird rejected my ask for help and told me that I still have to pay off the debt.

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: R & B Corporation of Virginia
State: CA

Complaint narrative:
Ive contacted the company numerous times to report this account is fraudulent/identify theft. This account was opened when I was a minor by someone else. I requested them to remove this account from my credit file as its not mines and I was a minor when this was fraudulently opened in my name.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Around XX/XX/2011, we were receiving solicitations from WELLS FARGO Home mortgage to enter a loan modification program. So, we did. This application process was brutal. We were given the run-around for 4 straight months of lies and deception, falsely accusing us of not providing current documentation. With these four months, over and over were assigned many different Home Preservation Specialists. The Stone Wall effect was in full swing. For months and months, they deliberately requested the same information, and no movement was being made on their behalf. We were getting very angry and worried that they were purposely delaying the loan modification. After continuously giving them everything they asked for within hours of request, nothing was happening. Wells Fargo was foreclosing on our house, while telling us that we are still in application mode. Now, there was Sherriff Sale Date. We were so scared of losing our home. What they were doing was criminal. We had never been late on a mortgage payment. We finally hired a Law Firm to fight for us and eventually kept us in our home. Finally, after 9 months of fighting and months of sleepless nights, our lawyers we able to set us up with some bogus trial period that they ultimately created. Years later still makes me tear up. Attached will be Docs showing the hardship we endured.

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