vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: AZ

Complaint narrative:
I applied for a mortgage loan in XX/XX/XXXX with fairway Independent mortgage company. I was told to submit bank statements, pay stubs, drivers license, social security card. I was told that they were a independent mortgage company and that they would be able to help me get a mortgage. They also told me to download their app to submitt my documents. So I did. I would periodically check the app to see if any progress was made, since I didn't hear anything from them.I did see at one time that I was being approved for a loan amount of XXXX. I thought someone would contact me. I had no correspondence from this company in about 30 days.I called to see what was going on with the loan about mid XXXX. They told me that if I paid off 2 credit cards that they could do a rapid credit score and my score would be over 700. So I paid off the cards. I still didn't here any thing from them. I called countless times to reach some one to no avail. In about late XXXX I called again. I finally reached someone. I was told that I got approved for XXXX. I still hadn't received any thing in writing. As a matter of fact I checked the app where I submitted all my personal information. Everything has been taken away. The last time I spoke to them in late XXXX. I was promised some correspondence by XX/XX/XXXX. I have heard nothing. They have my social security number and very personal information in their possession. I am very worried about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX XXXX was reported to my credit report per XXXX XXXX. I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Bank/Insurance due to a system error by USAA charged our account twice for an insurance payment once on XX/XX/XXXX XXXX XXXX  and once on XX/XX/, XXXX  Refuses to refund money ( it is the same company USAA Bank and USAA Insurance ) continues to say it will take 10 days to investigate the dispute. Continues to return automatic payment for insufficient funds and causing us to receive returned item fees from the companies the payments are returned to and causing damage to out credit because it shows we have missed/paid late on these credit accounts. Refuses to agree to cover the fees that are caused due to their mistake not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo was to send a settlement check. I reached out and tried to resolve. They state they owe the money but I am being redirected to other companies to address. They will not send a check. It is at least XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX 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. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently signed up for a Chase account and on XX/XX/XXXX I deposited a check. I waited the nine business days. The funds were available in my balance. However, a restriction was placed on my account. As instructed, I brought the required documents into the branch to lift the restriction. Without any notification, my funds were taken from my account and placed in a Debit DDA - Check Charge Account where I did not have access. I contacted the executive branch they resolved my issue but I waited around forty days from the time my check was deposited to my funds becoming available. On XX/XX/XXXX I deposited a new check from the same check writer from the same account as the first one. A nine day hold was placed, again. On XX/XX/XXXX the check cleared in my available balance. Then the restriction was placed, once again, and now the funds were taken to Debit DDA - Check Charge without warning. It was stated that in order to remove the restriction Chase needed to contact the check writer. However, apparently the registered phone number to the check writer is not in their database. They were able to tell me the last four of the phone number they were using to contact the writer. After doing some research, Chase wasn't contacting the correct company ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, Ca, ( the check writer ) they were contacting XXXX XXXX XXXX XXXX in XXXX, Ca. Now I don't have access to my funds and I risk getting my bank account shut down among other issues. Chase has informed me that they will hold my funds indefinitely until the check writer is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: NJ

Complaint narrative:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations.

No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title.

I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. 

I have provided my license and paystub for immediate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MS

Complaint narrative:
I did not authorize the following inquiries on my consumer report and demand them to be removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had been banking with Wells Fargo since XXXX. I not to long ago closed my account due to problems not being able to be fixed. Ive had money taken out of my bank due to over draft fees '' which was false. I worked XXXX jobs during that time to avoid that problem and Also fraud activity including subscriptions I never signed up for. It also caused for my car to get repoed a couple of times because Wells Fargo wouldn't release my funds for me to pay my car note with XXXX XXXX XXXX. ( I had autopay ) None of these issues were handled accordingly. I now bank with XXXX XXXX, I will never go back to Wells Fargo!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX OPENED XX/XX/2021 IS BEING REPORTED AS OVER THE LIMIT. THIS IS NOT ACCURATE. PLEASE UPDATE IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: CA

Complaint narrative:
So as a XXXX  I try supporting XXXX owned businesses such as XXXX I made a purchase at XXXX XXXXn XXXX and then started making payments on it and was finally able to make the last payment in XXXX of XXXX. I know this is not what XXXX is for. It making a purchasing and paying ir off in 4 payments every 2 weeks. 

I suffered a motor vehicle accident and also while I was being treated for a motor vehicle accident I suffered a XXXX XXXX  making me forget the payments on the XXXX count and after tying up loose ends and getting back to work and getting back on my feet I was reviewing my credit report and XXXX  is saying that Im having a charged off balance with {$270.00} and hes unable to allow me to make purchases even though I have a purchase limit of {$350.00}. 
I know that XXXX  makes the decision to approve or decline a purchase at the time the purchase is made but because I have a incorrect charged off balance of {$270.00} I believe The computer system automatically declines any transaction regardless of the amount or the transaction total because all of the transactions I have tried Ive been under my limit of {$350.00} and also have a credit card on file that is valid and a checking account that is valid with a positive balance and a credit card that has a available balance of at least {$200.00} so I know that I can make the down payment and continue the payments every XXXXo weeks when it is due because I made the first three payments on time but now XXXX is reporting a incorrect balance to the three credit reporting agencies and late payments which is a violation of the fair credit reporting act and is subject to civil litigation. I try and support XXXX supported and owned businesses as being an XXXX service member but it seems that XXXX doesnt care or doesnt want the business from fellow service members or XXXX and I find that insulting. I have included proof that the total balance has been paid from the XXXX app on my phone and demanding that the XXXX account be removed completely from all credit reporting bureaus and that my XXXX  privileges be reinstated and be able to use my limit of {$350.00} as I meet the minimum requirements. 

I have tried contacting customer service twice in the past month Im not good on exact days that Ive contacted them but customer service has no clue what I am talking about or there is a conflict of language being that they are in either another country the XXXX or XXXX I am not too sure I wanted to support XXXX  over the other 4 make payment program such as XXXX or Zip. They are more then happy to take money and use their service but XXXX doesnt care and just declines purchases based upon inaccurate information that they are reporting to the credit bureaus and that is in their computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: IN

Complaint narrative:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT XXXX XXXX COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
After receiving a recent copy of my credit report I noticed, a company shown as : National Credit Adjusters was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$740.00}.

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