vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Caller spoofed Wells Fargo Customer Service number. They pretended to be wells fargo saying there was some unusual activity on my account and they wanted to confirm I approved the transfer of money to XXXX XXXX in texas. I said no and through a series of questions you would typically get through a bank, they said I needed to open a new account and gave me the new account number ( fake ). They said the supervisor would make sure the money was transferred to the account and could I wire the money over to him so he could assure deposit into my account.. Turns out all a scam and the money went to a XXXX account XXXX XXXX. Turns out when I called Wells Fargo they opened an investigation and determine this occurrence didn't meet their criteria for funds reimbursement and XXXX said the money was gone. I am not the only one falling for this scam per both the media and the XXXX XXXX agency.. My feeling is Wells Fargo failed to protect their clients by not notifying them of this particular scheme. This is a breach of trust. 
Wells Fargo claim number # 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I printed the form Annual Credit Report Request Form from the computer. I filled out a form for myself, my husband, my son, and my sister. I mailed them all onXX/XX/2023. 
From TransUnion my husband got his free report. My report and my sister 's report came back with a blank score. I called and spoke with a representative that told me I needed to go to a different web site. I told her, NO. My husband got his report from the form I filled out. She transferred me to another agent who told me the same thing. When I said no he said he would mail me a " complimentary '' report. That report arrived without the score just as the first one. Both reports stated I had not request a free report. 
My sister made a copy of her request and sent that back in, again, requesting her free copy. Same thing happened. Report with no score. 
TransUnion sent info to my son requesting verification of address. My son sent in proof requested. He, likewise, got his report with no score. 
All these reports from TransUnion wanted {$9.00} in order for us to get our FREE credit report which we are all still waiting on.

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 2023-07-28 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: LEXISNEXIS
State: KY

Complaint narrative:
I have disputed a bankruptcy inaccuracies on my credit report numerous times from XXXX and XXXX. And the results remain the same as verified from Lexis Nexis. So I contacted LexisNexis and requested my public consumer report and there is no bankruptcy on there. I even called LexisNexis and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from LexisNexis how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and LexisNexis doesn't have a bankruptcy on my file. Where is this validation coming from. The two bureaus will not remove this. This should be illegal, or some sort of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: CA

Complaint narrative:
Multiple calls through the day ( 2-3 ) all from the same area code but changing constantly so unable to block. Numbers are from the area of XXXX, Missouri. Have told them " stop calling this number '' repeatedly. This has been going on for months. They rarely talk. It's often a hang up, but one of them finally identified the company as " Client Services Incorporated. '' Which is some kind of debt collector according to the web site, which means they potentially violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692

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 2023-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-07-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
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 2023-07-28 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:
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. 

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 inructions 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 2023-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I encountered challenges in determining the most suitable approach to address my concern. Consequently, I initiated contact with Loancare LLC through both telephone and email channels in an effort to resolve this matter. In the month of XXXX this year, my mortgage and escrow account were transferred from XXXX XXXX to Loancare LLC, during which time no issues with my escrow account were apparent. 

However, in XXXX of the same year, I was informed by Loancare LLC that they had acquired home and hazard insurance, alleging that I did not possess insurance coverage and that the previous policy from another company had expired in XX/XX/XXXX. 

To clarify my insurance status, I am insured by XXXX XXXX XXXX under policy number XXXX, which is effective from XXXX to XXXX annually. I verified with XXXX XXXX XXXX that my account was current and active. XXXX XXXX had made the payment for this insurance through my escrow account in XX/XX/XXXX, and no further payments were due until XX/XX/XXXX. 

In an attempt to communicate this information to Loancare LLC, I was redirected to a separate entity, " My coverage info, '' and provided an email address, XXXX. Regrettably, upon sending an email to this address, I received an " undelivered '' notification from XXXX. 

As it stands, I have exhausted all available means to rectify this issue, and Loancare LLC has erroneously charged me approximately {$2400.00} for insurance coverage that I had already purchased. Consequently, this unwarranted purchase has increased my monthly payments by {$200.00}. 

I am now seeking a comprehensive resolution to this matter and would appreciate any assistance in rectifying the situation promptly.

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 2023-07-28 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
AMERICAN EXPRESS has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX and XXXX XXXX. They claim that there are laws that allow them to violate my consumer rights however have not cited any such laws in any of their responses to my notices. Here are some of the federal laws they have broken. 
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

See Attachment for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I went to XXXX for a consultation onXX/XX/2023 for laser hair removal for the buttocks, face and neck. I was informed of a payment plan. After my consultation appointment I received a call to sign paperwork. I signed the paperwork for a 36 month payment plan electronically. On Friday XX/XX/ I called XXXX to cancel any upcoming appointments and to cancel the loan. I was informed by XXXX staff they could not cancel or close any loans it would have to be done by XXXX XXXX since the loan had already accepted. I reached out to XXXX XXXX, they informed me that they were unable to close the loan out that it would have to be done by XXXX. Ive called both XXXX and XXXX XXXX on this matter every day for a week now. Nothing is being resolved. I have not paid anything nor have I had any treatments. I have been trying to close or cancel the loan two days after I signed. I no longer want services or treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-28 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: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2023 I deposited a check into my primary Bank of America account. I was told there was a second account in my name that I had not authorized. I told the bank representative to deposit my funds into my primary authorized account. Through an act of carelessness, the bank rep deposited the money into the wrong account. I spent the next 2 weeks calling the Bank Of America fraud department asking to have my funds released and the unauthorized account closed. A month later for reasons they failed to disclose Bank of America then froze my active checking account that I've had an used for 13 years. I continued to call. I provided every piece of documentation I was asked for. I went to my local branch seeking resolution many times in this matter. It has been 90 days and the unauthorized account is still frozen. Bank of America is holding approximately {$420.00}. In addition to freezing my funds into an unauthorized account, they are charging me a monthly maintenance fee that is eating away at the balance. My initial deposit was for {$440.00}.

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 2023-07-28 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: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is trying to charge my bank card for a monthly membership for which I have never agreed to every time I log into the website it props me to provide credit card information for which I have never provided to them except for one instance when I had to provide a bank card to verify my identity, but I never gave them permission to charge me because I dont feel like their services warrant {$30.00} a month

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 2023-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Issue : Im a former Capital One customer who thought I held a high-interest account, but was tricked just like outlined in these articles. Capital One maintains deceptive and predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX though Capital One no longer grants me access to my former account statements to review exact dates. 

Amounts : between ~ $ XXXX of lost interest in my accounts Action taken : contacted the company several times, and was told they would not rectify the situation. 

Additional narrative : I'm writing to share my experience leaving Capital One as a longtime customer earlier this year. After investigating discrepancies in my expected vs. actual interest being paid into my 'high interest savings account ', I was informed by a customer service representative that I had in fact been 'grandfathered ' into a legacy rate ( unavailable to any consumer, and certainly not advertised on the Capital One website, which only advertised their High Interest Savings account ) of XXXX % vs. the stated 4.15 %. My account was listed as High Interest Savings, but I was clearly not being paid the market rate. When contacting Capital One, the customer service rep suggested opening a new account to access the expected market rate, but was unable to rectify the years of unpaid interest due to my incorrect account classification. Neither was the supervisor whom I escalated to as a next step, nor the Executive Escalations team after writing the CEO on XX/XX/XXXX. As such, I told them I had completely lost trust in Capital One and closed all accounts. 

I had been a legacy ING Direct customer since XXXX, and was happy to join the Capital One family. Not until years later did I realize Capital One was not paying what would have amounted to thousands of dollars in interest because of my legacy account status. Nor were they willing to make the account whole by correcting past interest. I have since shared my extremely negative impression of Capital One with family/friends since this discovery.

Company response to consumer: Closed with explanation