vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Received a phone call XX/XX/22 threatening legal action.Called XX/XX/22 threatening legal action again. I requested a verification letter on XX/XX/22 and XX/XX/22 they stated they mailed it and I should just pay my bill. XX/XX/22 I requested the information to send a validation letter. I was told to go to the website, I again requested the address and he told me that what I need to do is take care of it and just pay it. I again asked for the address to send the validation letter and he told me I was being sued. I again requested the address. He finally gave me the address and then continued to ask me if it was my debt and how was I going to take care of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a personal loan from Wells Fargo, first payments stated XXXX. XXXX is the amount. They wanted me to set this up on auto payments. I would go in every month and put another payment down on top of this minimum auto payment. Problems so far... It started to seem that my min payment was not being made. Every time I went in I made sure it was all set up for auto payment and that they were being made. The tellers EVERYTIME would tell me yes, they are all set up and working. Finally a teller suggested I make the second payment on top of the min payment " principal only '' payments, that would help me pay off loan faster. Started to do that. WF then said on XXXX XXXX ( when I started to do it this way ) they said after careful review, we can confirm the principal only payment option was removed from all channels??? THEN... a few months later, another teller was trying to help me, she pointed out that you can ONLY make overpayments the ONLY DAY THE AUTO PAYMENT GOES THROUGH! So In good faith, I started to put XXXX on top of the minimum payment of XXXX. In all I was giving WF XXXX a month... HERE IS THE A BIG PROBLEM... since I was putting down more than minimum, they were DIFFERING the auto payment to the next month. So not acknowledging the min payment. Then taking interest out of the extra payment amount!! OVERALL... by not acknowledging the min payment that added up to be and was XXXX NOT PUT TOWARDS MY LOAN per year!! By rights I should have this loan almost paid off by now!! I just noticed they get XXXX PER YEAR INTEREST FROM ME. Now I know that banks are in business to make money. But this??? I am in good faith trying to pay off my loan as fast as I can. That only seems logical?? So far, I have a case number with WFXXXX. Now I am sure with all their lawyers and being a huge company, they are all in the legal here... BUT the way they are going around and setting up all these road blocks trying to slow me down in paying off the loan is pretty despicable????? Hopefully by issuing a complaint others will see and be alerted to these shenanigans being pulled by WF. Thank you for taking time out on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

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

Company 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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

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

Company 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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have tried to have Experian remove a XXXX  XXXX Bankruptcy from my report thats been on there 7 years. The dates are incorrect along with my address. I spoke to the court whom said they never released any information on any court dates and or filing and are in process of creating a letter. XXXX removed it from my report two weeks ago. Experian just wrote information correct and closed dispute. The information is not correct, address is also incorrect. I called spoke with representative yesterday whom said this wont be removed regardless and actually hung up on me. This is my credit, my only way to try to get a loan for a house. Its been 7 years and they wont even consider listening let alone taking it off my report. Requesting it be removed. If court letter is needed stating they never released any information regarding me to any other party I can upload. XXXX was very easy to work, wish Experian was the same. Please help.

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 2022-03-09 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: GA

Complaint narrative:
XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.

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 2022-03-09 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: GA

Complaint narrative:
XXXX/inaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXXinaccurate information reporting across all bureaus and claims information was verified.

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 2022-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. AARGON AGENCY INC has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from AARGON AGENCY INC one in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.

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 2022-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I closed a bank account in XX/XX/XXXX not realizing a rarely used credit card ( Bank of America ) was still connected to the account. I was enrolled in Bank of Americas email alert notification system which I thought would alert me to any problems with my account. I had this account over 20 years. 

I received BOA email messages in XXXX and XXXX they had received an automatic payment for both of those months. That was not the case and due to two late payments my card was canceled. I never received any email notice from BOA there was anything wrong with the account in fact they said 'Payment received '. I found there was a problem through another credit monitoring agency I use. SEE ATTACHED EMAIL ALERTS I contacted Bank of America XX/XX/XXXX. They would not help with the late payments already on the account. I wanted to close out the balance and card on that date. They initially told me 100.00 which I paid but then I asked them about any accumulated interest to that date. The gave me another figure of XXXX which I also paid. PLEASE SEE CREDIT CARD ATTACHMENT FOR THOSE TWO PAYMENTS. 

At that point I considered the account closed but unbeknownst to me they calculated the interest incorrectly and I had another 90 cents still in accumulated interest. The card was not closed XX/XX/XXXX when I paid off the balance but another 90-day late fee was reported in XXXX which I was again alerted to by an outside agency. I paid the XXXX cents XX/XX/XXXX. SEE ATTACHED CREDIT CARD STATEMENT FOR THIS PAYMENT. 

First I tried to dispute it myself. The current system is the credit card company gets to decide if it made a mistake or not. Surprise! They found in their favor! 

I hired at attorney firm XXXX XXXX XXXX and XXXX ) who sent repeated letters to BOA regarding these errors. BOA did not reply or correct the error. They then contacted the reporting agencies who also did not respond. They have tried for over a year to correct this error. My credit score dropped from over 800 over 100 points. 

I have no recourse. I am turning to the Consumer Protection Agency as a last resort. 

XXXX XXXX CONTACT INFO : Direct : ( XXXX ) XXXX XXXX Personal : ( XXXX ) XXXX Office : ( XXXX ) XXXX Facsimile : ( 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 monetary relief
Consumer complaint received 2022-03-09 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: SC

Complaint narrative:
Hello, I sent in a letter to TransUnion a few weeks ago to dispute an inquiry that I did not authorize. In response, I got a letter from TransUnion stating ( in short ) that its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily on XX/XX/2022 and Ive been trying to figure out how is it important if its still showing up on my credit report since its an inquiry Ive never authorized and its an inquiry that I have no knowledge about whatsoever. Before I even sent this inquiry letter to TransUnion, I requested for the creditor to send a letter to TransUnion and myself to remove the hard inquiry but they refused. Got in contact with TransUnion via XXXX and spoke with XXXX. I explained this issue to her and she gave me the number to contact to help assist me with the next steps to take especially if its fraud. I then contacted TransUnion by the number that XXXX gave to me the same day ( XX/XX/2022 ) and I got in touch with someone. She told me that they could not remove the inquiry. Im very frustrated and its really hindering my ability to obtain more credit. Any help would be greatly appreciated!

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 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased two nightstands from Macy 's online for {$600.00} using Macy 's store credit card, and returned them later. I called Macy 's customer service before returning the items, and Macy 's representative told me that I was able to get the full refund of {$600.00}. On XX/XX/2021 and XX/XX/2021 respectively, my Macy 's online account showed that Macys refund my store credit credits of {$300.00} and {$290.00} respectively. However, I only received {$280.00} and {$270.00}. Macy 's refused to refund me the {$41.00} I am entitled to get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I received a letter from FedLoan saying the waiver was applied to my account when it has not been applied yet. This was highly distressing as I expect the waiver will lead to loan forgiveness for me. The loan forgiveness group on XXXX explained that this is common practice and to expect waiver to still be applied. But before I knew that, I was in tears at the outcome and stressed about next steps needed to resolve the issue. This is causing undo stress to so many borrowers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
MoneyLion plus XXXX offers a multiple of products. An invitation to join and I did only to discover a bate to get you switch bank to get loans and other products to create a hardship if not careful. My issue is with XXXX product which offers loans with no interest plus ask you to TIP from {$0.00} {$9.00} and asks 2 times plus charge a fee if you request to receive quickly. Should you sign up and this company your banking then you get your check up 2 days earlier. Plus offers product of credit fixing {$19.00} monthly fee in order to receive XXXX. Misleading and discriminatory products. 

My complaint is this company posted repayment on XX/XX/2022 when it should have posted XX/XX/2022 and created an overdraft fee of {$36.00} at my bank. The explanation they gave is thats the date and I had an opportunity to change date, not true. Because the other products/fees posted on XX/XX/2022. Plus because I did not opened an account by changing banks, an account that was a virtual wallet account. Please investigate the fraudulent scam

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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: MO

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Equifax get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX XXXX Balance {$2700.00} AXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs is reporting inaccurate, fraudulent information to the credit reporting agency causing harm and damages to myself. I cant get a hold of the department of the company that could resolve my claim. A supervisor name XXXX gave me a Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received the response yesterday from Wells Fargo ; however, it is unacceptable. I also received your enclosure with important information about overdrafts. The very first sentence confirms Wells Fargo has violated me on several occasions. An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. I am attaching to this complaint evidence of the fact that Wells Fargo does not pay it anyway. 

Again, this is a violation of 12 UCC 1005.17 Requirements for overdraft services. 

( a ) Definition. For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 



In addition to failing to meet requirements for the overdraft service, Wells Fargo has violated me by failing to meet the requirements for consent. Not only did I NOT consent to these charges, Ive called several times to dispute these charges, showing the I DO NOT CONSENT to these charges. This is willful and malicious. 12 UCC 1005.17 ( b ) Opt-in requirement- ( 1 ) General. Except as provided under paragraph ( c ) of this section, a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service, unless the institution : ( i ) Provides the consumer with a notice in writing, or if the consumer agrees, electronically, segregated from all other information, describing the institution 's overdraft service ; In this complaint, I am also attaching my statement showing that in the last 18 months alone, Wells Fargo has stolen almost {$1000.00} from my account. I have been a Wells Fargo customer for well over 2 decades and I am hurt to realize that you all operate without integrity.

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