vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Can Wells Fargo produce the mortgage loan note? Does Wells Fargo own the mortgage loan note? Who actually owns the north loan for the property located at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX? 
XXXX XXXX. XXXX for mortgage violations. 
XXXX XXXX XXXX Improper mortgage lending practices. 
XXXX XXXX XXXX. XXXX for fake accounts. 
XXXX XXXX XXXX. For actions during the subprime mortgage lending. 
XXXX XXXX XXXX XXXX for fraudulent sales practices XXXX. 
XXXX XXXX XXXX XXXX overcharges lates fees and other charges XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the illegal sales practices began high pressure loan. 
XX/XX/XXXX. The illegal closing on the property at XXXX XXXX XXXX XXXX XXXX XXXX 
Could not get insurance with a major insurance company The taxes owes and lien with the tax lien being sold! 
Loan closing document 2 highlighted area proves the sale was illegal. 
The loan was a HUD loan as proven in the closing documents. 
The constant changing of the actual mortgage payment due. 
The inconsistency in the mortgage statements, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing the accidental death insurance, never authorized, NJ, never reflecting the death insurance. NJ, also showing XXXX statements with amounts due, the amount before the XXXX, loan modification! 
XXXX loan modification photocopied documents and the original loan modification document, proof the manipulation and theft of our account. Shows the blatant fraudulent practices then. 
The repeated responses to our complaints saying numerous times that Wells Fargo can by law only access the last 7 years. 
Wells Fargo employees responding and blatantly lying and still defrauding us, 19 years! 
The XX/XX/XXXX XXXX XXXX payment, result of Deferred Prosecution agreement in criminal matter, Settlement of civil claims and FIRREA and resolution of SEC proceedings, is an agreement Wells Fargo made, to compensate the consumer, us,! XXXX XXXX from this fine is exactly what Wells Fargo agreed to do! 
XX/XX/XXXX. XXXX XXXX for improper mortgage lending practices. This is yet another fine that the XXXX XXXX Im asking for can be paid from. 
XXXX XXXX XXXX XXXXXXXX for fake accounts, again another fine and violation the XXXX XXXX XXXX asking for! 
Every fine and violation stated can be used to compensate us the XXXX XXXX we are asking for. We have proven we have been the victims of the illegal practices and actions by Wells Fargo bank and mortgage companies for 20 years. 
We have proven the criminal actions and we are demanding compensation of XXXX XXXX dollars.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I received a email from Acima and XXXX XXXX, saying I was late on my payments come to fine out someone had open accounts in my name used my old address at XXXX XXXX XXXX XXXX XXXX GA XXXX They leased some furniture from a place called XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I also call the XXXX XXXX police file number XXXX. No one is doing anything but in the mean time I am getting collection notice neg on my credit. Please help I don't know what else to do. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
I am a victim of identity theft. My information was used and shared without my consent. I did not authorise any opening of accounts. This is illegal and a violation of my consumer rights. 

BAY AREA CREDIT SERVICE, started to report as of XX/XX/ that I owe them {$3200.00}! the original creditor is XXXXXXXX XXXX XXXX XXXX. this report was placed on my credit and is now in collection. 

I have contacted the company on my behalf, and told them I don't owe them and that debt doesn't belong to 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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Carvana Group, LLC
State: TN

Complaint narrative:
Carvana submitted {$190.00} on XX/XX/2023. I did not purchase a car from them or authorize any amount to be taken from my account. I did not provide them with a debit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NE

Complaint narrative:
I requested a credit card from my bank month and I was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: PA

Complaint narrative:
I reviewed my Transunion credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company

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 2023-06-26 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: PA

Complaint narrative:
I reviewed my XXXX credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company

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 2023-06-26 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: LEXISNEXIS
State: NY

Complaint narrative:
I found out in XXXX that I was mistakingly listed on someone else 's auto and home insurance policies through XXXX ( my insurance company too ). XXXX took me off of the policy and said they fixed the issue so my Lexis Nexis report wouldn't be falsely reporting multiple at fault accidents, home owners claims and other auto related claims. I worked with Lexis Nexis case # XXXX in XXXX and was under the impression everything was fixed. Until XX/XX/XXXX when I was shopping around for insurance and no one will insurance me because they are still reporting multiple at fault accidents, multiple glass claims, multiple towing in my name which is not accurate. This is preventing me from getting insurance elsewhere and if I do find a company the rate will be extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MOHELA
State: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
received a letter from United states marshall services that a data breach occured currently i am receing all kinds of credit requires on credit report along with collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union has violated my rights. My XXXX account was reported to the three bureaus on XX/XX/2023. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. In addition, this company failed to contact me prior to reporting this information to the credit bureaus. When I contacted Navy Federal they stated that they sent notices via mail, however, I didn't receive any notification regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: PA

Complaint narrative:
I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.

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 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Called many times hung up on I paid off my vehicle loan before it was due. Never late. Paid double payments. 
Negative late payments on credit reports Never late Over 7 years XX/XX/

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 2023-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EDvantage LLC
State: VA

Complaint narrative:
I went to XXXX XXXX and I am trying to recover the funds I paid them for an XXXX loan they took out in my name. When I initially enrolled I was told that it was an in house loan and Id have to pay monthly. I specifically remember paying them on a regular basis. My degree with XXXX is not recognized by a lot of colleges when I tried to transfer my credits. They also promised to help find a job or they would pay my bills. I had to find job placement and even my externship places on my own with no help from XXXX. I have emails from when I tried to get my transcripts from them. In those emails you can see that they wanted me to pay my XXXX loan balance before handing over the transcripts. XXXX no longer exists and therefore my degree is not even recognized as being earned from an accredited school. With all the lawsuits surround XXXX foul play. I would like to see if I can recover some of the money I paid them. The thing about it is all my payment and loan info was mostly on my student portal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

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 2023-06-26 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: MI

Complaint narrative:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I opened the credit card and was told I could use the discount all day in store and online. That was not true. I then make payments through my online bill pay with my bank and they claim to have not received any payments. They started assessing late fees. I contacted the company and they said no payments received. I spoke to a rep and she told me to contact my bank and that I still needed to make payment. I contacted their XXXX XXXX department and spoke to someone and they confirmed that my account was closed without authorization as well as no payments being received. I had stop payments issued per my bank and paid the balance. They then cashed the check weeks later that they never received and issued a return fee for {$30.00}. Its unethical and needs to be removed. Attached is a statement from my bank showing the dates the payments went out. I contacted XXXX the second week of XXXX. They chased the payment after telling me they never received them and to issue stop payments or continue collecting fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 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: U.S. BANCORP
State: NC

Complaint narrative:
I received an offer to expand my credit limit for my secured card of {$300.00}. I called several times and asked questions prior and advised of my plans to extend my limit and to later apply for the account to change into a unsecured card ( knowing of a hard post ). The representatives never stated that to extend the credit line, there would be another hard post. Had I known, I would have NEVER agreed to take that route. Upon notification that a hard post has been posted, I immediately reached out to the XXXX XXXX XXXX for clarity and was told that they had to have a verbal consent. And that the paperwork had a fine print for the hard post. I explained that something that important should stand out and be explained. I have had a secured card before and they never redone a hard post to extend a limit or to change form secured to unsecured ; especially since having a great report. As advised from a XXXX rep, my next steps is to file a complaint via you. I want the hard post off my credit history because I did not give permission to do so.

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 2023-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
In accordance with the fair credit report act XXXX  account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct 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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XXXX as I was buying XXXX XXXX  tickets on the XXXX website there was an offer for cash back on the tickets if I got a credit card. I applied and got the tickets. The next month, I received the credit card, a letter about an error, and the bill with no discount on the tickets. I spent a day calling to get a customer service representative to find out how much to pay. I finally talked to XXXX XXXX she took XXXX $ off and took payment for XXXX $ from my checking account and closed the account for me. I thought that was the end of it. In XXXX I responded to an email and got no response. In XX/XX/2023 I got a bill for XXXX XXXX I again spent a frustrating day trying to get through to customer support and finally talked to XXXX who filed a dispute. I got no response from that. Ever since I have been harassed by phone calls that just lead to recordings. I wrote to them in XXXX but get no answer.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend account # Account number : XXXX The account was closed and Netspend has not send me my remaining balance. Ive contacted Netspend and representatives stated they were unable to provide me information regarding my account. I have about {$2000.00} on my account when they closed it. All deposit made to the account was done by XXXX for all the services I provided.

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