vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: Westlake Services, LLC
State: GA

Complaint narrative:
Inquiries were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiries were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: AZ

Complaint narrative:
There was always a error in charges and disputes, they over charge for fees, did not disclose accurate balances, unfair how they said they tried to resolve but never could

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand XXXX XXXX XXXX is known for damaging people to the max. That's fine! As a XXXX XXXX living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with XXXX XXXX XXXX to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In XX/XX/2022, my company had several bank checks stolen from the US Postal Service. Three of those checks were cashed by someone at a XXXX XXXX XXXX somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement at all. I have notified my bank, Bank of the West ( BOW ), and asked to have the funds replaced to my account. I have submitted the necessary claim forms and supporting documents. To this point, BOW has refused to replace the funds in my account. 

Obviously, XXXX XXXX is at fault for cashing the checks without proper identification or verification, but that is a transaction between XXXX XXXX and BOW. BOW has to seek restitution from XXXX XXXX. I have been working with BOW, to get reimbursed, but apparently they are waiting for XXXX XXXX to reimburse them. As a customer of BOW, I have a contract with the bank that allows for reimbursement since BOW honored the checks that were not properly payable. It is up to BOW to go after XXXX XXXX separately. 

I have submitted all the evidence and requested documents to BOW several months ago. My bank forwarded all the documents to XXXX XXXX accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello there. 
I am XXXX XXXX. 
I called my bank on XX/XX/XXXX to request a payment deferral. I got a call back from Ally on XX/XX/XXXX saying that I was approved for payment deferral. I proceeded with the payment on XX/XX/XXXX. When I was speaking on the phone, I was told XXXX different amounts that I need to pay to accept this. Okay, the last time I called I was told that I need to pay {$480.00} and the remaining needs to be paid by XXXX. 
Now the bank is saying that I'm late on a payment and need to pay for XXXX months, which is over {$3.00} Ally bank. 
Account 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 explanation
Consumer complaint received 2023-01-24 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: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On XX/XX/2022 a deposit was made of XXXX dollars into my current online banking account a deposit of which I did not send. On XXXX XXXX my current online bank took XXXX dollars out of my account saying the deposit did not clear after a month. I have reached out to both companies and neither company will offer any help to resolve this issue my account is now in the negatives by a good margin

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting late payment for Equifax, XXXX, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX XXXX  with XXXX XXXX Equifax - Inaccurate reporting! This account is showing two different dates that a XXXX  was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. XXXX  on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX  Reporting for XXXX XXXX Equifax- was included in XXXX  - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & Equifax - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX Equifax - This was included in XXXX  - and XXXX on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - Equifax - This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & Equifax XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 




XXXX XXXX XX/XX/XXXX LATE PAYMENTS REPORTED ACCOUNT # XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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 2023-01-24 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: GA

Complaint narrative:
I noticed several inquires on my credit report that I did not authorize and am listing them as follows : 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. These companies were not authorize nor was I extended any credit for these inquires.

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 2023-01-24 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: GA

Complaint narrative:
I noticed several inquires on my credit report that I did not authorize and am listing them as follows : XXXX XXXX  XXXX & A, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. These companies were not authorize nor was I extended any credit for these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: IL

Complaint narrative:
I am in disagreement with the information you allow XXXX to report on my credit file which is incorrect, even after your investigation about multiple dispute of incorrect information being reported. XXXX has proceeded to change the entire account status from charge off/ sold to a REPO back to charge off/ sold. To adding payments that was never made to removing payments one by one when disputed each and every time certifying each time the information was correct XXXX was submitting when in fact it was not correct and we know this to be true by the number of times XXXX has changed the account infomation over the pass years reporting incorrect information is a FCRA voilation. I have provide documents that I obtain from XXXX XXXX reporting to EQUIFAX proving how XXXX has repeatedly certified false information to cause me addtional finical hardship. Such action you EQUIFAX has allowed XXXX to do so because they are paying for your reporting service. According to FCRA you Equifax have a duty to verify all information submitted to you before placing it on a consumer credit report and in this case you have failed to do so and I am demanding that Equifax remove XXXX account from my credit file at once for Equifax failure to verify the information submitted to you. 

furthermore XXXX is now `reporting my last payment was XX/XX/2019 and amount paid {$0.00} when in fact my last payment was on XX/XX/2019 in the amount of {$43.00} another error made after XXXX corrections also after the account was c/o and sold XXXX reported additional 15 payment made which is false after it was supposedly sold payment that never happed but yet still refuse to delete account after serval correction so now my question how many chances does one get. 
Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
I have multiple inquiries on my XXXX XXXX XXXX equifax XXXX report that I did not authorize an they are direct violation of my rights to privacy per 15 usc 6801 ( a ) They are also in violation of 15 usc 1681a- ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Recently we applied for a Home Loan with Veterans United out of XXXX, MO. Upon initial conversation with their Loan Officer. He spoke to us in a very Disrespectful manner. We asked 1 of their Upper Executives for a New Loan Officer. She would not assign a new Loan Specialist for us. We also noticed that our W-2s had been Under Review for at least 2 weeks. We asked the same Upper Executive for answers as to why these things were happening and never got any follow-up from her on our questions. We also were informed that the Loan Amount on our Application was for a XXXX loan.

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 2023-01-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-24 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had not been checking my credit regularly. Last XXXX I attempted to open a credit card at XXXX XXXX. I was denied my request. I received a letter stating I had deliquent charges. I decided to review my credit report via my bank and noticed that i had dropped dramatically. I then realized that there was activity with Truist Bank which I had not done. 
I went to a local branch and found out that there was a checking, saving and a credit card opened using my personal info. I realized I had been a victim of identity theft. 
My credit score it has been negatively impacted and I need to ensure all of those transactions are removed from my history.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Similar to the previously filed complaint, BUT on a completely different topic... 

On TransUnion 's haphazard website, I repeatedly CAN NOT access the " Freeze '' options without some idiotic " technical '' or other, convenient error message. 

This has been an ONGOING issue for YEARS now, and I've HAD IT. 

TransUnion is the MOST IMPOSSIBLE of the XXXX bureaus when the matter involves online " self-service ''.

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/XXXX received statement from Kohl 's for ~ {$1200.00}. The charges are not mine. Called Kohl 's and filed complaint. Received letter from Kohl 's dated XX/XX/XXXX stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' Called Kohl 's on XX/XX/XXXX and was told the name does not match mine and it was pickup orders. Refiled complaint. Received letter from Kohl 's dated XX/XX/XXXX again stating 'we have determined the charges were not fraudulent based on your prior account history and activity. ' I called on XX/XX/XXXX and refiled complaint. I don't know when this letter was received as I was out of town for 10 days. On XX/XX/XXXX again received a letter from Kohl 's about reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
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 explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Numerous attempts were made thru XXXX, contacting Well Fargo, requesting paperwork to re-modify the mortgage loan. I was always promised paperwork but never received any such paperwork. I was in an adjustable rate mortgage loan, having to refi every couple of years. On XXXX occasion, I was forced to take XXXX from my equity just to refi the loan. There was XXXX existing loan, as the XXXX had been paid off. Unfortunately, I ended up loosing my house to a forced foreclosure, with Wells Fargo escalating the mortgage. I came home from court and my house was ransacked with all my belonging out in the driveway on a rainy day, with people left to pilfrig thru my personal belongings to take as their own. There was no entry log documenting the list of items removed providing a log, listing my possession 's removed from the house and disbursed my goods to the driveway. I ended up loosing my stuff due the weather elements, ( rain ) and being tossed out in the driveway in XXXX big heep. Forced foreclosure XX/XX/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