vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
On XX/XX/2022 -Wile at a self check out register at Bjs, my transaction was stopped and a clerk came over. She wanted me to open a credit card that the screen prompted me to do as well. I put my information in and was approved, wile reading the terms and conditions, I did not agree with the interest rate and was reaching to hit No when the BJs employee reached over and hit accept. It automatically opened and charged a new account I did not agree to open. They could not do anything about it to reverse it and said to call the bank, they admitted wrong doing but told me to bad so sad. I had no intention of ever agreeing to this card to be opened and did not accept the terms and conditions. I called the bank, comedity and they did an investigation and found no wrong doing but closed the account without my concent and then sent me a bill, they keep sending me a bill and it has now negatively affected my credit. I have also tried to dispute it with a credit bureau, who has been no help. My credit has now dropped XXXX points, and I have nowhere else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 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: NJ

Complaint narrative:
This is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information. 


I would like to state that XXXX XXXX XXXX XXXX is in violation of 15 USC 1666 b which states that a creditor can not report late payment to any consumer reporting agency. XXXX XXXX XXXX XXXX has been paid in full, I am demanding that XXXX & XXXX update TransUnion and advise them to report on time for the months of XXXX XXXX XXXX XXXX 


Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
If you log into Experian at us.experian.com and you already have identity protection with them through an employer paid compensation for a security breach ... .., They offer you the chance to unlock your credit. I clicked that by accident when all I wanted to do is to unfreeze my report briefly for opening a new account. 

They require you to sign up and pay money to relock your credit. That is not right when your employer already paid for the lock.

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 2023-01-21 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: SC

Complaint narrative:
Wells Fargo would overcharge me fees and lead me to closing my account because I wouldn't put anymore money in my account for them to take.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my 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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Made several attempts to make a lone Modification and was turned down and had to sale my home at XXXX and had to relocate my family.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged twice for a payment that I had no control over

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 2023-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In my first complaint I told you that I did have a escrow shortage and I didn't. Freedom Mortgage stopped putting escrow payment from my house payment in escrow, XXXX, XX/XX/2021 and XXXX, XXXX XXXX.My shortage XXXX the 4 months escrow wasn't applied equals XXXX, which would cover shortage. No could see this except me so case closed. The XXXX disappeared and I had to pay it back with XXXX they sat I have another shortage of XXXX, right after i just paid everything even. The new escrow report also says payments won't to escrow for XXXX, XXXX, XXXX which equal XXXX .The XXXX would cover the XXXX, the XXXX will disappear like XXXX from last year, because I'm paying the XXXX called 2weeks ago and the lady I spoke couldn't understand because her computer said they were taken out the escrow payment and Appling it. She said she would tell them to redo escrow report. That will not make XXXX reappear in my bank account or change the fact that I had to get loans to cover my shortages caused by paying back a shortage that didn't exist in the first place.Now I've paid XXXX, XXXX, and XXXX on another shortage that doesn't exist and the money taken out of my house payment has disappeared again. NOW I MIGHT BE 100 % XXXX XXXX XXXX XXXX But stealing ain't going down like that.I Want all my money backvthaywas stolen and compensated for the harm that it has caused my already constant painful life.

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 2023-01-21 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: MO

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights Equifax Mortgage service has violated my rights 15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Balance XXXX ; LAST Contact was today where I was informed of their offset after the fact. XX/XX/2023. 

XXXX XXXX is the business account ending in XXXX XXXX card business as I obtained a business credit card; used it paid for 4 years at users rates. I couldnt pay XXXX ruined our business. I called them and told them I could pay XXXX a month till it was paid off. They said XXXX I tried but I am Paying this from my w2 income I work 11 hours a day for. I couldnt pay ; I was told they would charge it off if I missed toe pYemwbts. I got calls from the bank I said I just cant pay and when I can I will. Two days ago with no notice the bank withheld the amount of the credit card from my business bank account. I called today was told that they cant reverse it. I explained that money in the account is the capital account of the other partner and I would have to pay it back to him. I was never advised that there was a right to offset with Wells Fargo or I wouldnt have obtained the card. I was told the only way to negotiate a payment amount less than the full amount was to be delinquent multiple months. I was set up to become delinquent thinking it would give me leverage but it was all so they could offset. I was told they could offset my personal accounts. They have taken the XXXX from the bank account with no prior notice ; no judgment etc.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was charging me overdraft fees and other fees unjustly.

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 2023-01-21 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: AL

Complaint narrative:
Ive contracted Transunion several times about my account with XXXX. XXXX has also contacted them about the error thats on my report. Transunion is the only one saying this account was late when I traded in the car and they car dealership had paid off this account. Ive never been late. They will not investigate with XXXX as XXXX has told me that they reached out to Transunion on my behalf a year ago and they are not sure why Transunion has not updated this account to pays as agreed

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: IA

Complaint narrative:
I received a collection notice in the mail from Receivables Performance Management in XXXX XXXX, The collection notice was for a XXXX account opened XX/XX/2022. This was opened in my name without my knowledge and showed up on my credit report. I had no idea this account was opened until I received a collection notice just recently. I filed a fraud case with XXXX, reported this to the police, put a freeze on my credit, and disputed with the credit reporting agencies. XXXX completed their investigation, and the result is they are saying this is my debt. The result was with their consultation with XXXX. This is not my debt and need this corrected. I called XXXX and they could not find an account in their system. I wanted to know all the information on the account such as when it was opened, how it was opened. time of day it was opened, where it was opened and they could not find an account. I have worked hard to keep my credit rating excellent and this is ruining it and I need to have this removed and my credit rating restored.

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 2023-01-21 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: MI

Complaint narrative:
EQUIFAX, XXXX and EQUIFAX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo repossessed my car I don't know how fees were coming from everywhere

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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I am XXXX XXXX a renter at XXXX XXXX XXXX XXXX, CA. XXXX XXXX hasn't lived at XXXX since 3 years ago and she said that she is moving to Oklahoma sometime.So please don't send any more of her bills over here to my step son 's apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I was in an accident in which my auto insurance sent my car to the shop to get repaired and then refused to pay the full amount of the repairs. It turned into a legal fight for my car and the repair shop held my car on a mechanics lean. My car was at the repair shop from XXXX to XXXX. I called Ally multiple times to arrange something with them as Im a single mom who had no vehicle which ultimately caused me to be let go from work. I also was not even in possession of the vehicle and they refused to make any accommodations. I have tried several times to get ahold of them and have clear communication but they never answer the phones and every call contradicts the last.

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: FL

Complaint narrative:
I was charged over hundreds of dollars on overdraft fees. Had tried at the time, but rhe bank same nothing can be done. As enormous time my check was frozen until mid if the upcoming week, " for funds to clear. '' A total disaster as i left the bank with a mindset to " never '' use wells fargo again.

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 2023-01-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation