vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: LoanCare, LLC
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX I entered into a Covid forbearance. I was told in both writing and verbally that there would be no negative reporting to my credit report. I complied with all of the Covid forbearance guidelines. My credit currently shows me being late on my mortgage the whole 8 months I was the Covid Forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Suffered from a died in lieu of foreclosure. Communication with Wells Fargo was awful around XXXX and they claimed it could only be done via snail mail. No email, chat, phone, etc. it was brutal and not timely at all. Tried to do a short sale on several occasions but was never successful, eventually after years of trying to unload the home we had to settle with a sheriff sale. WF told me it was only a deed in lieu of foreclosure and wouldnt be reflected on my credit as a foreclosure. But several months later it appeared on my credit as a foreclosure. After being a customer with WF for over 10 years ( XXXX ) I elected to move on from them and find a different bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
-- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : Case Has Been Opened ref : XXXX : ref Patient Name : XXXX XXXX XXXX For case on Date Of Service : XX/XX/XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX After speaking with your department on the phone today, I am forwarding my most updated Explanation of Benefits for you to update the account record. 

This is supposed to result in a positive account balance of {$40.00}. Please have the remaining amount paid back with check in mail. 

Also, please update this with the debt collection agency to dismiss the case. 

I appreciate your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This above is the detail of the communication with the original creditor, XXXX XXXX. 

The original balance {$230.00} was incorrect. And I have supplied the updated health insurance EOB showing billable of {$33.00}. While I have already made {$74.00} to XXXX XXXX on the day of service, XXXX XXXX has now calculated the correct balanced to be ( $ XXXX ). 

And, in fact, this case is already resolved between me and XXXX XXXX. A payment of {$40.00} is already send to me on XX/XX/XXXX. This should be the end of the billing case. 

However, Creditors Bureau USA ( XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been harassing me to try to collect {$230.00}. They did not do their due diligence on obtaining the updated and accurate debt information with original creditor before pursing on me. The last harassment phone call was on XX/XX/XXXX XXXX. 

They have now threatened to put my record to credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: VA

Complaint narrative:
I received a letter in the mail from a company called direct recovery services and they represent XXXX. They stated that I can pay my loan off in installments. As of XX/XX/XXXX I was under the impression that my loan was paid off. Today XX/XX/XXXX I received another letter this time from XXXX XXXX XXXX stating that they represent XXXX  to collections with the same offer. I'm confused as to what is going on. 

If I owe the loan then I need to find out. If direct recovery service represents your company then the loan should have been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a fraudulent charge of {$80.00} on my Capital One credit card. I let Capital One know- I HAVE NEVER RECEIVED GOODS/SERVICES for this fraudulent {$80.00}. 
Expecting me to cave in and pay for something I have never received, they corruptly charged interest on this item, which is now {$190.00}. 
I will fight to the end for what is right, on this fraudulent charge. 
I never received these goods or services and will not pay for something I never received. 
Capital One is a corrupt bank and the world needs to know about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I said i was guaranteed approved on credit karma for a credit card, i already dont have the greatest credit so i didnt want a hard inquiry for no reason. I definitely wasn't approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover is refusing to properly reassert and CORRECTLY INVESTIGATE dispute. I was told on XXXX by The Discover Fraud Department that they will not reassert my dispute without new information. Counts as follows ; 1. Due to not being able get in touch law enforcement.

RESPONSE : I called and spoke with the police department ; they said they have received no phone calls or messages from Discover, but would speak with them if they call.

2. That I viewed activity on a XX/XX/XXXX and XX/XX/XXXX and did not report until XX/XX/XXXX. 
RESPONSE : I called in on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX all reporting that my card was lost and my account needed to be locked. I received correspondence emails stating that Discover was sending me a new card, crediting my account and locking my account. BUT I NEVER RECEIVED A NEW CARD AND MY ACCOUNT WAS NOT REPORTED. 

3. That I made payments from XXXX to XXXX prior to reporting fraud. I DID NOT MAKE ANY PAYMENTS UNTIL XX/XX/XXXX. 


4. My name and phone are spelled incorrectly on all fraudulent charges. PLEASE LOOK AT THE BILLING AND SHIPPING ADDRESSES. THEY ARE WRONG!!!! 

Under the federal Truth in Lending Act ( TILA ), credit cardholders can only be held liable for unauthorized charges up to {$50.00}. Because Im facing charges of more than {$1700.00} Discover can not demand payment of this unauthorized charge or any related fees. 

I did exactly what I was supposed to do under these circumstances. When she received her credit card statement, I reviewed it immediately. Then, I quickly disputed the unauthorized charge multiple times. As soon as Discover was notified about the disputed charge, it was obligated to perform an investigation under the federal Fair Credit Billing Act ( FCBA ). At first, it appeared that the charge was handled correctly because the charge was reversed and removed from my account. But when the charge reappeared and I re-disputed, the credit card company violated the FCBA by : -Failing to perform a proper investigation, -Failing to consider the evidence XXXX provided XXXX -Failing to provide proof of the contract or receipt that XXXX allegedly signed in support of the charge, -Permanently reinstating the charge that was previously removed, -Refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, and -Continuing to demand payment of the charge and associated interest and fees. 
-Unlawfully charging XXXX for a transaction I did not authorize, -Failing to investigate and correct the charge, -Falsely claiming it did investigate, Billing me for amounts I dont owe, and -Trying to collect the unauthorized charge while adding interest and other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
The borrower on this loan is deceased. The estate has the property under contract, but is unable to get it sold because the lender refuses to provide a payoff. The lender has been provided the letters of administration appointing XXXX XXXX the administrator of the estate, and a signed authorization for the payoff numerous times, first on XX/XX/23, and again on XX/XX/23 on their specified form and then at least four times after said date. Despite this, the lender keeps claiming that XXXX is not authorized on the account and is refusing to provide the payoff. The estate is now at risk of losing the sale because it can't close without a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX NC ) : # XXXX, ( Original Creditor : XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX, ( Original Creditor : XXXX XXXX ) XXXX # XXXX has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
This was an unauthorized inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
I had a payday loan and was in the repayment process. I was on payment 3. My payment was due on Sunday XX/XX/XXXX. This establishment is closed on Sundays. I went into the store on Monday after work and was told my check was already deposited. The girl said they '' tried to call me numerous times today. '' I was at work and had no access to my phone. I looked at my phone after leaving the store and saw they tried calling me once at XXXX and then again at around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had to stop using my account due to insufficient funds in my account everytime my direct deposit was made and there were over draft fees that were not even making sense that I wasnt aware of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them 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 2023-01-24 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: GA

Complaint narrative:
I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma, on multiple occasions, has told me I was guaranteed approval for credit card or they would pay me I think it was {$50.00}, and that my credit would not be affected. Neither of those things turned out to be true. I was denied for cards I was pre-approved for, ruining my credit. I was never offered {$50.00} or anything else for that matter. This has happened 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 non-monetary relief