vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
XXXX XXXX bought from XXXX years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for XXXX an Ive told them.this company states that they sent letters to me but I never got anything in the mail from this company I didnt no anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to XXXX Ive XXXX XXXX XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with wreaking my credit. I was told if I dont have proof from these sorry lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX my wife and I obtained a {$100000.00} line of credit from our local Truist branch. They were SunTrust. We have had 2 accounts there for over 20 years. Loan originator was XXXX XXXX. We were very clear that whatever XXXX  we got had to be at a fixed rate. XXXX XXXX assured us the XXXX was at a fixed rate of 3.99 %. We did not have any issue with that. We were remodeling so we were needing to take a certain amount out at irregular times. {$20000.00} here, XXXX there, etc. Again XXXX XXXX assured us this was going to be OK. We made our first withdrawal and the % was XXXX. We made a second withdrawal but the interest rate went up to over 6 %. We made two more withdrawals but those interest rates went as high as 8 %! We called to inquire and was told that the entire {$100000.00} was NOT all at 3.99 % and it would vary. We explained that we took fixed rate. All our papers say so. Over the years we have had several loans, all at fixed rates. Even with this bank. Truist says otherwise but can't prove it. They have not supplied any documents that we signed or even not signed. IF they are correct it was not explained to us by XXXX XXXX. We were VERY clear what we wanted. On XX/XX/23 we called Truist and asked for a XXXX. At this point I want to advise that staff at the bank has been extremely minimal. XXXX XXXX was no longer there so we spoke to the apparent manager, XXXX XXXX who is now at a XXXX branch XXXX XXXX XXXX XXXX XXXX. We started with him at our local XXXX branch before his transfer. He could not verify their position with anything except just saying so. We gave him a week to talk to his higher organization but the answer was they would do nothing except out the rate down to 7.99 % if we pay it all off. Since the change from Suntrust to Truist, this bank is the worst. We closed one account and opened another but they never closed the old account. Our Social Security payments were affected. We can't use XXXX XXXX because it's still tied to the old account but also the new. However we can't pay from the new account for whatever reason. 
At this point we have tried to work with the bank but as I described they are not being cooperative. 
We appreciate any help you can offer.

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 2023-01-23 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: IL

Complaint narrative:
I have noticed a collection on my credit report that I am not aware of. XXXX accounts, I am not aware of any written agreement that I have to pay them. If no contract can not be produces stating that I owe them please remove the alleged information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
XX/XX/XXXX I reached out to Spring oaks capital and XXXX about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector Spring Oaks Capital in XX/XX/2022. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The XXXX accounts do have phone number and emails attached to them that have been told to me but have not been written down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I DISCOVERED THAT SOMEONE OPEN A CREDIT CARD ACCOUNT WITH MY PERSONAL INFORMATION XX/XX/2023, I REACHED OUT TO CAPTIAL ONE FRUAD DEPARTMENT AND THEY SAID THEY WILL DO A INVESTAGATION WHICH HAVE NOT BEEN CONDUCTED IN A MANNER FOR MY SAFETY AND PROTECTION, THEY CALLED ME, EXCUSE ME THEY HARASSED ME AND INSIST THAT I GAVE THEM INFORMATION I DONT HAVE .. ALSO I ADDRESS THAT I WILL LIKE TO HANDLE EVERYTHING IN WRITING SO NOTHING WILL BE USED AGAINST ME. THEY WAS VERY RUDE IN A SENSE THAT I WAS BEING ACCUSED AND ATTACK FOR MAKING A CLAIM...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased my home and my mortgage was {$1600.00}. On XX/XX/XXXX It went up to {$1700.00}. When I called to make a payment I asked why it went up $ XXXX and never got a straight answer. On XX/XX/XXXX it went up to {$1700.00}. They keep raising my payments amounts and now it is at {$160.00} more per month. Im struggling to make these payments and every time I ask why or ask for help they give me the runaround and do not give me any solutions.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XXXXr my mortgage company has been paying my taxes to the wrong parcel. Today I was notified by the XXXX county taxes that I am behind XXXX. XXXX county states in the letter that if this isnt paid they will be selling my home. When I called Mr Cooper they told me the XXXX tax department does not have any phones? And that so would need to send a email. So I emailed my closing papers, the XXXX county tax with the right parcel number. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: AL

Complaint narrative:
I am trying to submit a claim against wells fargo for bad business practices and incorrect fees

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 2023-01-23 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: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by a company that I do not recall authorizing. I understand that a company should not be allowed to put an inquiry on my file unless I have authorized it beforehand. A company called Harris and Harris for XXXX XXXX reference # XXXX acct # XXXX for an amount of {$2000.00}. I have no knowledge of this information that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: SD

Complaint narrative:
my checking/ savings account with Wells Fargo from XXXXXXXX XXXX XXXXXXXX was always overcharged for deposits and transactions even though i had money in account. I had my check electronically deposited from the XXXX XXXX XXXX XXXX XXXX  and was on the road a lot working in XXXX and XXXX XXXX as well as XXXX XXXX. My account would be frozen till it cleared which caused hardship and eventually they closed my account because of fees accumulated. In the long run it ruined my credit and closed the account.

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 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: AZ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
I have tried calling and asking for an invoice and they have yet to send me one. They told me they did not have one in file, but proceeded to ask me to pay the debt. WAKEFIELD & ASSOCIATES I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
Carrington Mortgage has done two escrow analysis on my home within one year! I read on their website they do it only once. Soo now they have done this twice and my payment since then has went up over XXXX XXXX I dont believe this is right, or legal. I seen they have tons of complaints and hate that my mortgage got sold to them. I have also tried several times to call them and I can never get in touch with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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:
I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

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 2023-01-23 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: Grain Technology, Inc.
State: PA

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a joint business account with my now ex husband. He went into Wells Fargo and bullied a worker, XXXX, to take my name off the account. My permission was required to take me off this account. They didn't have my permission. When I went in to put my name back on they said I would need his permission to do that so I couldn't get back on that account. XXXXXXXX XXXX actions cost me access to my money.

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 2023-01-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 non-monetary relief
Consumer complaint received 2023-01-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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 with 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 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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am advised the CFPB reached a settlement with Well Fargo regarding their foreclosure process. I believe I am entitled to receive settlement monies. I writing in regard to when the settlement amount will be received. 

My previous compliant numbers filed with CFPB are as follows : XXXX XXXX XXXX XXXX It seems that my Wells Fargo continue the foreclosure process when they no longer owned the mortgage. I no longer own the property. My new address is XXXX XXXX XXXX XXXX New York XXXX. 

My name is XXXX XXXX and my cell phone number is 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 2023-01-23 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: TX

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -ACCT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation