vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 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: Self Financial Inc.
State: CA

Complaint narrative:
Re : Unauthorized Credit XXXX & XXXX XXXX error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit XXXX error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an XXXX on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from XXXX. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: LEXISNEXIS
State: GA

Complaint narrative:
After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
I had a Checking and Savings. They closed my savings and made it into a checking without my permission. Then they took the overdraft protection off my original checking account and starting charging me 35 overdraft fees for over a two years. At times I was paying over {$200.00} a month in over draft fees. I was told they notified me of the changes but I never got any mail or emails about the changes. And I was told I couldn't be refunded my money.

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
I am a natural person. I am a living human being. I have rights under 15 USC 1681. accordance with the fair credit reporting act Equifax is govern by 15 USC 1681 and the they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX and later PHH, stalled my progress in selling my late mother 's property in many ways and they took money. First, by stating that they did not receive the forms proving that I was the executor of the estate. I had sent in the documents to the company the day after probate court granted me full executorship. They kept telling me that they had not received the forms for about three months, even though I had submitted them the form multiple times. They finally admitted that they had it in their files since my first submission. 

Secondly, my whole experience in dealing with these companies was filled of long phone holds. They also would hang up on me. They provided no support and stopped me from completing the necessary actions that they required of me. At some point, PHH lied to me stating that they had sold my case. They stated that both on the phone and through mail. However, within a month of me asking questions, they acted like they never made that statement. 

Third, they jacked up the prices of reverse mortgage tremendously after my mother had passed Looking back in our files, I noticed that " Original Line-of-Credit Reserve '' that has the amount of {$15000.00}. XXXX and " +Growth of Line-of-Credit '' that has the amount {$13000.00} only appears on the XXXX  Monthly Reverse Mortgage Statement. I want to bring in to question why and gain an explanation. They also added " Current Principal Limit to the Mortgage Statements around XXXX. All these changes have not been explained. I suspect that the jack up in price is from the company spending money. 

Fourth, they kept checking on me to see if I still lived there on the property even though they knew I was in the middle of probate, selling the house, and they could just call my phone. They stated that they did these unnecessary check-ins 8 times and each time cost me {$20.00}. 

Fifth, then the appraiser that the company provided to look over the property, looked over the wrong flat map of the house across the street. Resulting in the wrong price to the house. I should not pay for the appraisal. The appraisal cost about {$700.00}. 

Sixth, they added " Corporate Advance '' and " Outstanding Fees '' for me to pay. It added up to about {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TekCollect Inc.
State: MD

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 Section 602A. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
Experian is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Experian is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Been a customer for many years and caus of a check I thought was real they not only denied they charged me a fee and then had the audacity to flag me as a scammer or check bouncer which I have never even owned a check book for that company! Bank has horrible customer service and aren't customer friendly in store or on phone would never recommend them to anyone!

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 2023-01-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My mortgage was held by Wells Fargo XXXX XXXX from XXXX through XXXX. I tried t refinance the mortgage because we could not afford it, and the interest rates had fallen. Every conversation with Wells Fargo was unsuccessful. We ended up selling our home and moving to a small condo. If we hadnt sold we would have had the house foreclosed on over time.

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made XXXX payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on Experian and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on Experian that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account and money was taken from XXXX XXXX all of my money and funds were electronically withdrawn this has caused hardship with my Chase account and capitayone account as I have filed a XXXX breach settlement because of false reporting and also neglected my small business where as I cant establish my accounts because of false reporting reflecting from XXXX XXXX and XXXX false reporting my info as my bankruptcy was also XXXX last year its been I XXXX r XXXX years this has really caused me damage with job opportunities and so forth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
i think wells fargo charged me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Didnt let my charges go through and cause my payment to fail.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There's incorrect Personal information on my 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There's incorrect Personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Money was taken out of my account from an unknown source and it was NOT RETURNED!

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 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
In XXXX the lease on my BMW XXXX ended. I went to the dealership to lease a new vehicle however my credit score was low and I missed TWO payments on my previous lease so allegedly BMW Credit denied my lease application. I ended up buying out my lease and entering into a traditional car loan at 17 % interest. I was advised by the Dealership that the interest rate is determined by BMW credit, however when I contacted BMW credit I was advised that the dealer sets the interest rate. Additionally at the end of my lease I had {$3000.00} in charges left to pay however to this date I have seen absolutely nothing on paper itemizing those charges. Everything has either been verbal or just some numbers written on a piece of paper. 

I feel that BMW Finance and BMW of XXXX XXXX, MD took complete advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received numerous returned items and fees when they accidentally froze my account multiple times and even closed it at one point only to send me a check for XXXX which didn't cover all the costs incurred and apology letter.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date XXXX Chase ATM located inside XXXX XXXX, CA XXXX A cash deposit of XXXX ( XXXX XXXX XXXX dollar bills, XXXX XXXX dollar bill, XXXX XXXX dollar bill, and XXXX XXXX dollar bills ) was made into my checking account. The ATM took the cash deposit, did not fund my account and gave me a receipt stating to call a number to verify funds were deposited. I spoke with a staff member within the branch, she called and was told it will be a min XXXX  day hold to verify funds and a claim would be placed. The branch XXXX also called and ask for a provisional credit for the XXXX to my account and that was denied.

Company response to consumer: Closed with explanation