vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We were party to the class action lawsuit against Wells Fargo. The property address was XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I remember Wells Fargo foreclosed on our property. It was said that we missed 6 monthly payments. I was able to send proof of payments and it fell on deaf ears. My wife and I are in our XXXX and were put out of our home. XXXX XXXX XXXX XX/XX/1943, SS # XXXX. If we can please open a line of communication, I feel my wife and I are eligible for some sort of compensation. 
Thanks in advance.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Back in XXXX I would constantly get hit with fees after fees. Then towards the year of XXXX they took {$2000.00}. They were supposed to dispute the charge and did not because I had all the proof of the fraud. They are crooks and I would like my {$2000.00} back, plus all my ridiculous 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 2023-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.

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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On Sunday, XX/XX/2020 I was approved and paid for my car with XXXX to be shipped to my closest destination. I received full approval from Exeter Finance for the amount of the loan as sole signer. I provided all documentation for the car loan to be approved as requested. When I arrived to pick up my car and finish signing all of my paperwork I was informed at the time of pick up that I would have to have a co signer so i could complete my purchase because Exeter decided at the last minute that they changed their mind and would not accept my employment verification letter from my employer that proved my income and my new raise amount. I was mislead the entire time even after I paid for my vehicle to be shipped and paid my down payment. I had already sold my previous car and felt pressured and like I had no other choice but to have my fiance co sign on my loan. Thanks to un ethical treatment I got from Exeter I made a deal that I would have otherwise walked away from. This car loan that now shows on my credit report and my fiance 's report has damaged our financial health immensely. Because of this car loan showing on both of our credit reports we were not able to be approved for our home and have since received several denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I filed a complaint with XXXX  on XX/XX/22 for the complete mishandling of the conversion of XXXX XXXX to Marcus by Goldman Sachs. They resonded and were supposed to credit my account by {$580.00} ( attached ) on XX/XX/22. Inexplicably they actually reversed my original payment on XX/XX/22 and instead began charging me additional interest/fees. When I called to ask WHY they would not have done what they responded to the CFPB regarding resoultion their response was " It was done in error but unfortunately they do not have authority to correct and I needed to file another dispute '', which I did and was quickly denied ( attached ). I then paid the exact amount, AGAIN, that was due of {$3800.00} per the first CFPB complaint resulting in what should have been the credit to my account of {$580.00} but instead was a balance due plus interest of {$590.00} that was done in error and would be corrected. They have now charged additional interest, late fees and reported to the credit bureaus TWICE. The amount of time I have spent and their repeated inability to resolve this matter is exhausting and as I stated in my first complaint appears to be intentional to wear down the consumer not equipped to understand this behavior and just pay them to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 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: IA

Complaint narrative:
In XX/XX/2019 XXXX XXXX and I bought a property from XXXX based companies, turns out the property was not what we were expecting and we never got to use it. Staff lied to us about the value and tax benefits as well as our ability to use it! Filed complaint with Missouri Attorney Generals office and was told XXXX would cancel contract and require no further action from us. XXXX XXXX XXXX continued to bill us and we never paid as contract was canceled.

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 2023-02-05 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: FL

Complaint narrative:
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
XXXX XXXX  XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.

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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have to made the payments, every XXXX th of the month XXXX the amount was always the same i made payment and the amount stay the same the interest was so high for a used 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Experian has account reported as late payment when account is not correct late. 
XXXX XXXX credit card reported XXXX and late payment while amount XXXX and correctly correct

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 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: WY

Complaint narrative:
In reviewing my credit report, I noticed that I had a collection from a company called AD Astra Recovery. I attempted to reach them by telephone in XXXX of XXXX. On XX/XX/2022 I sent them a fax, as I was provided the number by the operator and told to send in a request for information as they would not release it over the phone. You can see by the attached Fax Log that the fax was sent at XXXX on XX/XX/2022 with the two pages attached. I attempted to verify the debt. Since that time, AD Astra Recovery has not provided any information nor responded to the fax. I believe that this is a violation of law and this item must be removed from my credit report immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
The people that work at the PNC branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona are former BBVA Compass employees, and they are wonderful. 

But since PNC Bank bought BBVA Compass, it has become a PREDATORY LENDER. 

HISTORY : On the last day of XX/XX/XXXX, I went in here to make a principal payment of {$500.00}. It was misapplied. On the last day of XX/XX/XXXX, I went in to speak with the branch manager to get the mistakes corrected from XXXX principal payment and make another principal payment of {$500.00}. It was misapplied. I called them and have spoken with multiple people from their executive offices. They have called me with assurances. I have been back and forth multiple times with them on XXXX. 

Trusting what they said, I made a {$1000.00} principal payment on XX/XX/XXXX. I checked today. HERE IS MY STATEMENT which I just reviewed. ALL OF MY PRINCIPAL PAYMENTS ARE STILL MISAPPLIED. 

PNC is RIPPING ME OFF and I want them sanctioned and fined. 

Others should be warned. 

Also, I reconcile my account monthly in XXXX and their statements do NOT show all of the charges because my account is more than {$30.00} off. What else are they charging me? 

SOMETHING STINKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. 
secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Inaccurate information on my credit report on accounts i have, some in good standings and others wrong amount reported. 
XXXX, XXXX XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here. 

XXXX, XXXX XXXX loan. amount reported by bureau is XXXX mean while account standing is XXXX false account reporting identified here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: FL

Complaint narrative:
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of XXXX how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion XXXX ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.

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 2023-02-05 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: FL

Complaint narrative:
You recently stated you did an investigation on information being accurate and just updated the information, but my dispute was about the UNLAWFUL VIOLATIONS THAT HAVE BEEN ALLOWED ON MY CREDIT! This is my last attempt before moving forward with my attorney on filing suit. This is to report the inaccuracies and violations that are on my report, which are grounds for IMMEDIATE DELETION! 
FINWISE OPPLOANS XXXX ) it is AGAINST THE LAW TO REPORT A CHARGE OFF MONTHLY VIOLATION OF 623-15 U.S.C 1681s-2 Duty to provide notice of delinquency of accounts ( No later than 90 days After the furnishing information, notify the agency of the date of delinquency on the account the month in the year. 
XXXX ) the IRS CONSIDERS a Charge off as GROSS OR ORDINARY INCOME, So why is this on the credit report? I have not received a 1099C.? Violation of 15 USC 1681 ACCURACY AND FAIRNESS 3 ) This company has failed To protect my information VIOLATION 15 USC 6801 PROTECTION OF NONPUBLIC INFORMATION 4 ) They are also reporting a past due amount that is higher than the highest balance that is also an accurate reporting, which is also a violation because according to the FCRA everything report, it needs to be 100 % accurate Which are also grounds for dilation 5 ) Another violation is this company is showing that payments were made and then theyre stating that no payments were made and that I owe the full amount of 1756 how is that so if payments were made? They are not reporting correct payments, that is also Not fair and in accurate, Which are also grounds for a deletion 6 ) VIOLATION OF 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLOSE PERSONAL INFORMATION, Which means in accuracy is also grounds for deletion 7 ) also, how can this information be accurately verified when my name is incorrectly spelled in the wrong address is on file, and Ive called on multiple occasions, trying to correct this. Ive also while mailing disputes have sent copies of my drivers license my name should B displayed on my credit report as it is on my drivers license not using a middle initial that is not my name my mother and I have the Exact same first name and if youre using a middle initial, we have the exact same middle initial so our information has been messed up in the past. This is also an accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. My Paypal Email Address : XXXX XXXX

Company response to consumer: Closed with explanation