vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
When I originally started falling behind in my mortgage, I reached out to Wells Fargo Bank for a loan modification or payment arrangements, but I was only given two options. 
The payment plan included a payment which was 1/2 more than the original payment plan which did not help. If you can not make your original payment, how can you pay the payment plus 1/2.

The next time I reached out to the lender I was told that flat out I could not afford the property. 

I filed XXXX  in XXXX and the judge signed off on given the property back in XXXX of XXXX. Wells Fargo did not start their process until XXXX, causing me to be imposed water bills for almost two years. They imposed forced insurance fees causing the due to them extremely high. Remind you they were given the ok to take possession of the property in XXXX. 

XX/XX/XXXX, I receive a XXXX with an inflated fair market value of the property for XXXX. The property value is incorrect, and the lender has increased this amount. The last property value I received listed the property well under XXXX. Where did they get these XXXX jump in property value from? The neighborhood property values don't support his price. 
Additionally, the XXXX stated that the date of XXXX was XX/XX/XXXX, which contradicts the date of the insurance cancellation. 
Wells Fargo sent a notification of cancellation of lender placed insurance date of XX/XX/XXXX. This is one month later than the Acquistion date of the XXXX. These dates are not corresponding, and I feel they are just trying to rack up more money for me. 

The interest rate charged was way above average. Wells Fargo is a predatory lender!

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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I have a negative collection on my credit report for {$1000.00} this is from a credit card dad was charged off years ago I contacted this company we reached agreement on an amount they never mailed me anything when you call them they don't answer their phone or return messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Experian, nor XXXXXXXX XXXX  and XXXX XXXX  are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: OneMain Finance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights.

1

5 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website I found that neither Transunion, nor XXXX XXXX and XXXX XXXX are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the above listed companies to the Texas State Treasury XXXX Department. 

The following must be deleted immediately : 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 2023-02-01 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an open checking account with Wells Fargo until XXXX my charges were not being processed by the time I made it, but rather by the amounts being spent, strategically causing an overdraft and overdraft fees which would make me actually overdraft and then cause another overdraft fee. This caused my account to fall severely in the negative causing the account to be frozen, ultimately closing my 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 2023-02-01 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: TX

Complaint narrative:
These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.

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 2023-02-01 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: TX

Complaint narrative:
These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Grow Credit 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 USC 1681. 

Company name : GROW CREDIT Account number : # XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My personal information was stolen from me dealing with master card headquarters an bank of America stealing my identity data breach

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 2023-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/ please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a incoming call from what came up as my bank WELS FARGO I was asked a few basic questions to verify my identity name birth date and last 4 digits of social I proceeded with the call the caller ask if I was a were of my card being used at different locations I said NO I have not used my card I opened up my banking app to review the charges the call disconnected I than received a notification from XXXX stating I authorize a XXXX dollar XXXX payment that I Never authorized I never use XXXX ever over my years with them since a XXXX XXXX grade student 9 years ago the call last about 20 mins immediately called my bank back and spoke with a representative that stated no one recently called me I was on the phone with the bank for 1 hr explain tht I had not authorized any XXXX nor did I ever set up a XXXX account authorized transfer or to receive money that way The bank closed my account stating I owe them the money the card with them I always paid on time never no issues I ask them to investigate this issues but in stead they said I owe causing my credit report to be damaged while Im in the process of buying a new home I worked hard on my credit and saving account with this bank and I demand an investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hello I have a debt for XXXX XXXX and XXXX dollars from a collection agency which I was not aware of and I want to dispute it off my credit XXXX says I dont have any collections as well as trans XXXX but it still shows up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
I purchased a shower door my account was charge by a PayPal account {$100.00} from the merchant. I never got my merchandise. I never got a refund after disputing the charge. I was told XXXXXXXX XXXX XXXX and the can not give me back my SSI 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 2023-02-02 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: GA

Complaint narrative:
I disputed all of these issues directly with Equifax regarding all inaccurate information. Ranging from wrong names, wrong addresses, wrong identity, etc. I provided proof of my identity to the bureau as they requested. No actions taken by the companies as of yet All addresses are wrong with the exception of the updated address. 

This is a different XXXX XXXX. I have never received service from this place. Verify and validate and remove immediately, please. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX {$4300.00} Date assigned XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original amount owed {$75.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: AR

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

XXXX XXXX XXXX XXXX Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase Bank XXXX XXXX living to XXXX XXXX, XXXX. Starting from XX/XX/XXXX to XX/XX/XXXX, I was scammed and lost approx {$280000.00} from my Chase checking, saving, and brokerage account. I received a XXXX email asking me to contact them. Scammers claimed my Chase saving account was compromised and forwarded my call to Chase Fraud department who claimed to help me in the back end. They asked me to go to various Chase branches to withdraw cash ( 11 transactions ) and to make one account to account transfer. The cash was deposited into several local XXXX machines. There was a single account to account transfer of {$80000.00} that I was made on XX/XX/XXXX at Chase XXXX CA branch. The recipient account was a valid Chase business account. I was instructed to make that transfer from my Chase saving account. On XXXX, XX/XX/XXXX, I realized I was scammed and reported to Chase branch in XXXX, and XXXX XXXX XXXX Police ( Case XXXX ) and notified Chase. As of XX/XX/XXXX, Chase Fraud department called me once and said their final decision was it was NOT a fraud, therefore, they would not take actions to help me get the {$80000.00} back. Even though Chase knows this business account was now involved/used for scam activities, they were not offering help or assisting police to help me. I also reported to Chase that during the 12 withdraws I made at branches, many times I was speaking to the scammers on the phone, or was instructed to make multiple withdraws in a short period of time and repeated withdraws in the same visit, but not a single cashier asked me or inquired more about my unusual behaviors, which was a major violation and sign of Chase 's failure to protect their customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation