vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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: IL

Complaint narrative:
incorrect information reported. 

Don't have a XXXXXXXX XXXX XXXX XXXX  as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605

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 2023-01-20 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: SC

Complaint narrative:
XXXX, I disputed a fraudulent inquiry on my Equifax consumer credit report and it was not block and removed.The information that XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX is not information relating to any transaction by me. 
I have file a identity theft report with Federal Trade Commission to notify them that I am a victim of identity theft and I have notified them that Equifax is reporting these two companies on my credit report. Also note that I have a active fraud alert of my Equifax credit file and I WAS NOT NOTIFIED WHEN THESE INQUIRIES WERE TAKING PLACE. The Identity theft documents are attached. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts -15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We had a mortgage with Wells Fargo back in XXXX, and the failed to work with us on a loan modification A complaint was filed back in XXXX. I notice that Wells Fargo has a settlement out there, but I was never contacted by them. I do believe I am part of the settlement.

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 2023-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got sick with XXXX XXXX while XXXX i lost my XXXX after recovering from XXXX I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl my which caused me to fall back on payments my car was taken without my permission in wrecked, and totaled I am now stuck with the debt on my credit profile with all going on I also lost my apartment that me and my kids were living in I'm a single mother of XXXX in we are still homeless Im trying to get back on my feet in this car loan is making it hard for me to be able to start over with a new place in car.

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 2023-01-20 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 off my report with monetary relief for damaging score or provide proof in writing within 30 days.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had multiple over draft changes and not sure if I would be in the field suit

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 2023-01-20 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely 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 2023-01-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: FL

Complaint narrative:
The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXXXXXX XXXX and XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX of XXXX sent evidence police reports and they continue to report and supply the same information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged overdraft fees on my account that were not supposed to have been charged. These were supposed to have been refunded per class action lawsuit but the account is closed and I have not received a refund for these 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 2023-01-20 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: MN

Complaint narrative:
I had multiple overdraft fees when I was a customer with wellsfargo. They were very bad at giving me refunds and it just caused me to get deeper and deeper in the hole. Im no longer a customer but would like to get my money back if possible. I banked with them from 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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I used to have services with XXXXXXXX XXXXXXXX  years ago and when I canceled my service they were supposed to send someone out to collect their water dispenser and never did. I have called and spoken with them many times and never had any help and now I have a debt in collections from them for {$570.00}. I would love to have it resolved and them get their merchandise and me not have this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: MN

Complaint narrative:
Wells Fargo applied overdraft fees before or simultaneously at the same time as withdrawals were being processed

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 2023-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
I received an email at an old email address I rarely use ( XXXX ) thanking me for applying for a loan. Then another saying my loan agreement was ready to sign. 

I replied back to the emails that I did not apply for any loan and asked for the application information, IP address, and device used to apply. 

Today I received an Adverse Action email from them stating they could not approve my loan. 

I never received any response from them. 

I have never applied for a loan with them and would never use an online loan of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: PA

Complaint narrative:
disputed and they put back on. I was never informed about these collections. They were put on my collections and they haven't filed wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America ( BOA ) allowed and account to opened out of XXXX XXXX using my DOB and SS # with my phone number. The account # ends in XXXX with an outstanding balance of {$3000.00}. BOA # XXXX reference # XXXX I, XXXX XXXX called Bank of America Friday XX/XX/ to let them know that I am not responsible for these fraudulent charges. This account ending in XXXX uses an address out of XXXX XXXX according to BOA. I do not reside in XXXX XXXX in fact live in XXXX. 

On XX/XX/, I reported this account as fraud. I've also contacted all 3 major bureaus.

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 2023-01-20 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: CA

Complaint narrative:
I would get an overdraft fee when I would go negative and it was a Wednesday and I get direct deposit every Friday so each day would be another fee. Another time I had money saved in my checking account and they basically wiped me out because of some issue and wouldn't give me back the money. So ended up closing my account because there was to many issues.

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 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CO

Complaint narrative:
Cash App advertises that they can receive my direct deposit 2 days early. Instead I am being informed that they will be holding it up to 5 business days, meaning I'm being paid a week late. Their customer service department has been giving me the run around all day. No one can actually look into or solve my issue. My reputation will be damaged by not being paid on time by them, and I will also incur late fees on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Between XX/XX/XXXX till XX/XX/XXXX I was " scammed '' by a gentleman identifying himself at an officer of the Federal Trade Commission of the USA, XXXX XXXX. During this time frame I was directed to make multiple cash withdrawals from the Chase checking and savings account. I was told my identity had been stolen and it was used to create at least 10 bank accounts that were now being used. To demonstrate my innocence to this man/process, I was directed to " secure my account or secure my funds '' by withdrawing cash from both by checking and then savings account. Over the period of days I withdrew XXXX. 

I feel frustrated in that while I have reported this to the local police department in XXXX WA, the Federal Trade commission website and multiple departments with Chase Bank there is no help for this type of crime. 

There is NO restriction from banks on withdrawing large sums of money on a daily basis. There is no check by the bank locations to screen for possible fraud/scam when unusual amounts of money are requested on a daily/bidaily basis. 

I do have copies of bank withdrawal slips and also receipts from the Bitcoin ATM machines in XXXX WA that I placed the thousands of dollars in. I also have 2 phone numbers that were used by the Scammers to call me/text me to about this crime that was committed. 

The FTC Officer was XXXX XXXX His phone numbers use were XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the recession of XXXX and its subsequent fallout our property was targeted for foreclosure after Wells Fargo refused to help us avoid foreclosure. We never missed a payment and were told multiple times that there was nothing to be done to assist us in avoiding this disaster. We lost our home in XXXX of XXXX. We were offered XXXX consolation in resolving this problem of their inability to restructure our mortgage. I had multiple contacts with Wells Fargo which led to nothing. Please help us. We had been excellent customers. 

Thanks 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 2023-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is discriminating against me I am XXXX and a senior. this is the second time I have had this problem with them. I called to lower my credit card limit a month ago on a prior CC and they needed a cell phone to verify me, but I DO NOT HAVE one!!!! talked to supvs etc best they could do was cancel that credit card a month ago instead, using my atm debit card code. I just got a new cc from them and wanted to lower the credit limit and they wanted a cell phone that i do not have to verify me again. I talked to a rep then XXXX the preferred supv then XXXX the team XXXX and the senior team XXXX XXXX was supposed to call me in 24 hours but they lied to me as she NEVER did. 
they would not use my atm card code to verify me, but they could verify me by email if I wanted to close my card instead. They are DISCRIMINATING AGAINST ME BECAUSE I AM A XXXX SENIOR who does not have a cell phone and I kept telling them I can not go to the branch to get verified! it is not convenient for me as I am XXXX, but they DID NOT care. I do have a checking account with them that has a large amount on money in it and have had it for over 10 years, but THIS is not good enough to verify me either to get a credit limit lowered. they verify my accounts every time I logon on by getting a code on my home phone, but again they refused to do that. 
This has affected my credit score and the ability to get a credit card from another bank! I was denied a week ago for a credit card and they specifically stated that my credit history showed that my credit history showed a high amount of unused credit compared to my credit lines. and also that I had had too many accounts previously which included closed ones like the XXXX Bank of America card that I had to close when they refused to lower my credit limit before. 
The other complaint is that each person I spoke to told me 1. the senior person would not help me and that they were probably NOT even available to speak to me at all. Each person told me the SAME THING AND SO I HAD TO tell them 3 TIMES EACH I WANT TO SPEAK WITH YOUR SUPERVISOR AND i AM NOT ASKING YOU WHAT YOU THINK THEY WILL SAY. Again this is not fair to seniors and XXXX people without cell phones, and there is no basis not to be able to use other means to verify our identity. CALL ME AT HOME, WHERE WAS MY ACCOUNT OPENED. CODE ON ATM CARD, last checking transaction etc. 
THEY ARE DISCRIMINATING AGAINST SENIORS AND XXXX PEOPLE LIKE ME WITHOUT CELL PHONES THIS IS AFFECTING MY ABILITY TO GET A CREDIT CARD ELSE WHERE!

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