vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the morning of Friday, XX/XX/XXXX, I recieved phone calls from scammers claiming they were my bank Wells Fargo and they eventually got access to my account and made two fraudulent transactions, one for {$350.00} and another for {$600.00}, as well as " internatioanl purchase transaction fees '' of {$18.00} and {$10.00} respectively. Once I realized what happened, I immediately called Wells Fargo to let them know what had just happened. They seemed indifferent to my situation and addressed me with minimal help. I filed a formal fraud claim with them, which was quickly denied. I then started another fraud claim, which too, was denied. Upon asking the customer service rep on the phone why they were both denied, he told me that the bank " didn't believe it was fraud '' based on their investigation. I am now left without my money, and no avenues to get my money back from whoever stole it that day. I am unable to contact the merchant on the transactions because it is overseas, and have minimal information about themselves.

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 monetary relief
Consumer complaint received 2023-03-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ATTACH TO COMPLAINT NUMBER XXXX I am not satisfied and have attached additional documentation against WELLS FARGO CARD SERVICES WELLS FARGO CARD SERVICES continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX. The debt is over XXXX years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX  and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX  me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed two collections accounts on my XXXX XXXX that had been placed both for the same date with two different amounts being owed for an XXXX XXXX visit. it shows that I owe a debt of {$180.00} and a debt of {$300.00} both for XX/XX/XXXX to original debtor XXXX XXXX XXXXXXXX XXXX I am a XXXX XXXX XXXXXXXX veteran and that facility is also an in network covered provider of services I never once received a phone call or a bill stating that I had owed any debt at all I only noticed the collection account via my XXXX XXXX app on my phone. This is an illegal attempt to collect a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NC

Complaint narrative:
In accordance with the fair Credit reporting act XXXX account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NC

Complaint narrative:
In accordance with the fair Credit reporting act XXXX  account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer 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 non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Paid in Full, Upstart predatory loan. Have copy of Paid in full letter sent with Paid in Full amount to zero. Cashed check front and back of Upstart. And they are hurting my credit and still hounding me when this is paid in full want it off reports or corrected to help build my fico scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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 fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2023-03-18 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 fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off my student loans in XX/XX/2022, and in XX/XX/2022. I received a letter from XXXX XXXX stating that all my loans were forgiven.. However XXXX has put that exact amount of {$22000.00} on my credit report when it was paid off and my loans were forgiven last year and then now they have it on my credit report and Trans Union also is showing that I owe {$22000.00} however this is incorrect. XXXX state that I have a XXXX balance. However, they reported me having the balance of above which is absolutely incorrect. I owe them nothing. They stated I owe them nothing I want it removed from my Trans Union credit report. This is hindering me from getting a loan and its absolutely not fair that I have paid these loans off. I had them removed in XXXX through all three credit bureaus and then this student loan company sends in false information and now its back on there. I want it removed.

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 2023-03-18 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: DE

Complaint narrative:
XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX  they informed the XXXX and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I owed a minimum payment of {$230.00} to capital one towards my credit card. I received an offer in an email to settle the account for {$270.00}, I call capital one to discuss my options, I called and asked if the debt was sold off and was told it wasnt, so I then asked if I made the minimum payment will I be able to use my card again, I was told I was so I went ahead and payed the minimum payment of {$230.00} to keep the account active instead of settling, and closing it for {$270.00}. After making the payment my card still showed restricted, I called the bank back to ask what happened and I was told that the information I was told was wrong and once the account is restricted it can not be unrestricted, so I paid the {$230.00} for a card I cant even use again and still owe a remaining balance. When I mentioned what I was told by the agent they investigated and determined the agent didnt do anything wrong, when I asked for a recording of the call I was denied. I then asked was it possible that someone higher up can take the restriction off or allow me to pay the difference between the {$230.00} I paid, and the {$270.00} settlement offer and both suggestions were declined. Now Im hoping I can receive help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo Bank Act. XXXX XXXX  This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA 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 2023-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I received a Notice of Servicing Transfer fted XX/XX/2023 from XXXX XXXX XXXX  advising the previous servicers have transferred the mortgage loan to them. I then mailed a cease and desist notice via certified mail with a return receipt. ( Tracking Number- XXXX ) with a confirmation of receipt signature from XXXX XXXX XXXX which confirmed delivery on XX/XX/2023. 
The delivered notice demanded Carrington Mortgage Services to cease all forms of communication through any and all mediums unless it pertains to my disclosed remedy. All remedies were described in the notice. The notice demanded return of the attached form with the required information, assignments, or other transfer agreements, which would establish their right to collect the alleged debt within 30 days of the date of receipt of the notice ( 30 days from XX/XX/2023 ). 
Instead of providing the required information to validate and verify the alleged debt, Carrington Mortgage Services mailed a notice dated XX/XX/2023 of Intent to Foreclosure on my personal property that is used for private familial enjoyment. 

It is clear that Carrington Mortgage Services have violated the following ; 15 USC 1692C.C - Carrington Mortgage Services confirmed receipt of Cease and Desist Notice with a letter dated XX/XX/2023 from the Loan Administration and Support Department and advised that they will respond by XX/XX/2023. However, on XX/XX/2023, Carrington Mortgage Services violated the Cease and Desist Order and sent a Notice of Intent to Foreclose.

15 USC 1692C. ( C ). ( 2 ) Carrington Mortgage Services violated my right to remedy as a consumer, and the original creditor. 
15 USC 1692- Abusive practices by debt collector by invading my right to privacy and continuously sending notice to my private home that is used for personal familial enjoyment. 
18 USC 8- Obligation or other Security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

15 USC 1666 B ( 1 ) - Declined to provide documentary evidence of alleged indebtedness by sending notices in response to cease and desist and demand for documentation. 
15 USC 1666 B2- Declined to provide written clarification or documentary evidence of the alleged indebtedness.

15 USC 1666 E- Carrington Mortgages Services failed to comply with the requirements of the section described and have efficiently forfeit any right to collect from obligor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
They used profanity and offensive language and demanded that I pay the amount owed in full and not in payments. Bullying tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX they informed the XXXX  and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.

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 2023-03-19 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo Bank Act. XXXX XXXXXXXX This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA 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 2023-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation