vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account and a credit card relationship with Wells Fargo Bank. 
On XX/XX/2023, I received a FORM XXXX XXXX from Wells Fargo Bank claiming that I had a Box 3 income of {$8500.00}. The form had my correct name, address, and last four digits of XXXX. 
On top, the form said the statement could be a XXXX information return, XXXX mortgage interest statement or XXXX student loan statement. I do not have a mortgage or student loan with Wells Fargo. I have checked my credit report and confirmed this. 
I called customer service. They could not find any information on this form. 
I visited the bank. They could not find any reason why the form was provided. 
I'm at a loss to understand what to do. Obviously, the form had to be generated by a system. Why wouldn't Wells Fargo not be able to find out which system generated the form and for what reason? 

My fear is this is a repeat of the fake accounts scandal where someone internal has used my SSN to open some accounts and evade taxes.

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 2023-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Hello, I had a Volvo SUV that was repossessed in XXXX of XXXX. My automatic payments had stopped ( no one could explain why ) and the mail that Volvo Financial was sending to my apartment was not being received as I had moved.

In either event, after many many hours on the phone with Volvo Financial, I was able to get the car back. I kept the car for the remainder of the lease, paid off the rest of the least and handed the car back to Volvo at the end of the lease term in XX/XX/XXXX. 

The car was paid off and returned to the dealership. There was no further incident. But my credit score continues to reflect an outstanding bill to Volvo Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
THIS COMPANY IS USING FALSE STATEMENTS AND IS CLAIMING THEY HAVE THE RIGHT TO FURNISH MY REPORT WITH INACCURATE INFORMATION BASE ON A CARD HOLDER AGREEMENT IN WHICH THEY BELIEVE THEY ARE PERMITTED BY LAW ( WHICH LAW ) TO DO SO? THE CARD HOLDER AGREEMENT DOES NOT HAVE ANY WRITTEN SIGNATURE FROM ME. IT DOESN'T INCONSPICUOUSLY GIVE ME THE OPTION TO OPT OUT OF SUCH REPORTING NEITHER. UPON REVIEW OF MY CONSUMER REPORT THE ACCOUNT HAS BEEN CHARE OFF MANY MONTHS AGO AND WHICH UNDER THE 1099C CANCELATION OF DEBT THE IRS STATES CHARGE OFFS ARE INCOME AND INCOME CANT BE REPORT TO ONE CONSUMER REPORT NEITHER CAN A CHARGED OFF ACCOUNT. THIS IS IN VIOLATION OF USC 15 1681S-2 ( A ) ( 1 ) AND USC 1681A ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo incorrectly charged multiple overdraft fees on debit withdrawals on my checking account ( at times charged duplicate overdraft fees resulting in 3-4 overdraft fees per day ), as well as having money unfairly frozen or placed on hold. there were multiple dates this happened so I do not have a specific date, but the amounts were always {$35.00}. Anytime I spoke with customer service I was told there was nothing that could be done about the overdraft fee.

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 2023-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a XXXX veteran in Texas. 

XXXX acquired my XXXX XXXX I did my research and learned that NationStar/Mr.Cooper is not allowed to handle VA mortgages XXXX 

XXXX arrived a few months months later. 

I started the COVID forbearance plan when NationstarXXXX Mr. Cooper offered the forbearance plan to me.

As I just started my business I did not qualify for any assistance. 
Self-Employed : No unemployment Self-Employed : No PP loan as I did not have a financial record to show cash flow. 

Under verbal communication I was told at the beginning the loan would be modified and the loan would be modified and a refinance option would be available when I would be able to start making payments. 

I tried selling the home with the XXXX forbearance price that Nationstar/Mr.Cooper said was the adjusted cost of the mortgage. The house never sold as it was overpriced. 
When I told Mr. Cooper the forbearance fee was to much and the house was priced out of market, Mr. Cooper would not lower the fee or negotiate a settlement. 
When I reached out for assistance the forbearance fee was so large, I did not qualify for assistance. 

I had to file for bankruptcy to try to save the house. 

Mr. Cooper priced the house of market and I could not sell the house. 

Even when I was on a contract making {$500.00} a day, Mr. Cooper refused to take payments on the mortgage. Mr. Coopers response stated that I had to make the COVID forbearance fee in full. 

I have had multiple attorneys tell me that Mr. Cooper violated multiple laws, but I can not afford to add more legal fees on top of my Dad 's medical fees. 

My Dad who is also a XXXX veteran has to stay in veteran community home because I have no idea when I will be forced to leave this residence. Therefore I can not have my Dad live with me for his end of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
In XX/XX/XXXX I lost my job and was struggling finding a new job. I finally found a job in XXXX but at that point I was already 2 months late. When I finally had enough to make the payment I wasnt able to pay any less than {$4500.00} or 3 months of payments. I applied for a government assistance grant through XXXX XXXXXXXX in XXXX, but the program wouldnt pay anything if I made any kind of payments. Finally by the middle of XXXX they made the payment and I wasnt delinquent anymore. Im just asking for removal of the credit marks from that time so I can buy a new car soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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:
Experian is reporting XXXX XXXX XXXX  on my consumer report last reported XX/XX/2017. This account was removed then placed back on my consumer report. I am demanding removal of this item as they are violating my rights as a consumer and reporting information that is inaccurate. Pursuant to federal law 15 USC 1681 " Reporting agencies must validate the debt for accuracy prior to reporting information. 15 USC 1692 you are invading my privacy rights as a consumer. 15 U.S. Code 1692g - Validation of debts : the alleged debt was never validated and was removed then placed back on. I demand removal of this item or else I will seek legal action.

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 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I received a notification of XXXX XXXX drop from XXXX XXXX that a collection had been added to my report by Wakefield & Associates. I have never received anything about an outstanding debt and I know that it is not my debt but that of my ex-wifes that occurred after our separation when I legally had to keep her and her son on my insurance and the default occurred after our divorce was final. I attempted to contact Wakefield & Associates and they wanted to charge me money to investigate a collection that should never of been on my report and that I had never signed for or been a part of. There have been no phone calls and no letters directed to me by Wakefield & Associates or the company that is in default XXXX XXXX. I should not have to pay a credit agency to have something that should have never been on my credit report to begin with taken off of my credit. Wakefield & Associates was very aggressive in telling me I had to pay and did not offer to send me proof of this collection being mine. They are not a reputable company and for them to attempt to exploit someone who is not in default or should even be in there records is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
This company has continuously charged random monthly membership fees of {$14.00} without authorization when the account was placed on pause and after being told the month prior on ( XX/XX/XXXX ) that they were experiencing system issues and that I would no longer be charged, in which I was refunded back my {$14.00} on XX/XX/XXXX ). I then received two {$14.00} membership fees on my debit card on XX/XX/XXXX, then was told I had a remaining balance and thats the reason for the charge and they will not refund or cancel fees until balance iao {$470.00} is paid in full. Supposedly my account was sent over to collections ( no notification ) and that they would reach out to me about setting up payment arrangement. Ive tried communicating with their company multiple times in regard to a balance due but have gotten no reply or email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a collections account on my report from XXXX XXXX XXXX XXXXXXXX for {$100.00}. They are not licensed in the state of California to pursue debt. 
I sent a debt validation letter on XX/XX/24. It has not been 30 days and have not received a reply as of yet. Thats not the problem though. I just discovered they are not licensed where I live, so any current dispute is unnecessary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
I was on XXXX XXXX website looking at my monthly credit score. When I went to Alerts tab it is showing Derogatory Account below it says Wakefield & Associates Reported on XX/XX/XXXX Account Balance {$230.00}. When I called to see what this was about the rep stated they had mailed out a Statement several times ( I verified the address and it was incorrect ). Asked why didn't they ever call me and they stated they did call to the wrong # again. He did not want to email me a statement on what is was for or from when. He wanted me to pay yesterday ( XX/XX/XXXX ) I told him how can I pay when I do not even know what I was being charged for. I told him to pull this out of collection due to the information not getting to me and he said he couldn't until I paid them the total amount due. I have no negative remarks on my credit report everything I have is always paid on time. I hope someone can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NM

Complaint narrative:
Hello, I sent TransUnion, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXXXXXX 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 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 XXXXXXXX

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 2023-01-27 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied and was approved for a Pay Pal Cashback World Master Card account which claimed to have a rewards program whereby I could redeem the rewards to the account for a statement credit. XXXX phone representatives, XXXX and XXXX, have given me conflicting information. XXXX said I have to transfer the reward to my wallet, then call back and ask customer service to transfer the rewards to my account. Only after I kept insisting on speaking to a supervisor, did he check with a " specialist '' and said I can redeem rewards to my wallet, then transfer to my cashback account. He assured me that was the correct procedure, but when I tried to redeem that way, there is no choice to add rewards to my wallet. There are only XXXX choices to redeem : send to my checking account, transfer funds internationally, or send me a check. I called customer service again, and XXXX said I can transfer the money to my stand alone PayPal account, which automatically puts the rewards in my wallet, but I can't transfer the rewards back to my cashback master card. I have other credit cards with rewards that I can automatically redeem as a statement credit, so this process for redeeming rewards on my PayPal Cashback World Master Card seems unnecessarily convoluted. Please advise why I can't apply the rewards earned to this credit card as a statement credit.

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 2023-01-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-01-27 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: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION NELNET 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.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2023-01-27 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've contacted Experian via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

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 2023-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Never received gap payment and over charged bank 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