vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
UPDATE TO CLAIM # -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -WELLS FARGO has discriminated against me by denying a RIGHT TO CREDIT. Under 15 USC 1602 Credit is defined as the RIGHT GRANTED. Notice it is a fact I XXXX XXXX am the Natural Person and ORIGINAL CREDITOR as defined under ECOA 15 USC 1691a. Notice it is a fact my social is a credit card as defined under 15 USC 1602 for the sole purpose of extending credit. Notice it is a fact I entered into a CONSUMER CREDIT TRANSACTION WITH WELLS FARGO where WELLS FARGO ACQUIRED MY SOCIAL and CONDUCTED A FINANCE CHARGE WHERE THE SUM OF ALL CHARGES WAS CREATED MEANING, THEY GAINED MONEY IN THE TRANSACTION WHERE I HAVE NOT RECEIVED ANY BENEFIT. Notice it is a fact WELLS FARGO has acquired my social aka credit card which is for the sole purpose of extending credit as a RIGHT as defined under 15 USC 1691a and has acquired funds but has committed ADVERSE ACTION against me denying me a right and denying me credit and a benefit causing me to suffer and experience harm and has discouraged me from extending further credit within the banking system. WELLS FARGO instead of taking this matter seriously with utmost regard to the facts stated they instead continue to violate me and deny me a right and even INSULT ME in mentioning they follow the ECOA perfectly but yet disregard where it states it shall be unlawful to discriminate against a consumer for the reason they have exercised a right and also stating they will ignore further responses. Notice it is a fact I have exercised a RIGHT TO CREDIT and have IN FACT been DENIED and ABUSED, DISCRIMINATED BY WELLS FARGO. Notice it is a fact WELLS FARGO is now in direct violation under 15 USC 1644. IF THIS MATTER IS NOT TAKEN SERIOUSLY AND WELLS FARGO AMENDS FOR ITS HARM AND ABBUSE SINCE THEY HAVE ACQUIRED MY CREDIT CARD IN EXCHANGE FOR MONEY VIA A FINANCE CHARGE AND GIVEN ME NO BENEFIT.THIS MATTER SHALL ESCALTE. WELLS FARGO HAS IN FACT ACQUIRED INCOME IN THIS CONSUMER CREDIT TRANSACTION AND APPEARS IT DOES NOT WISH TO PAY INTEREST ON A FINANCE CHARGE AS REQUIRED UNDER THE FEDERAL RESERVE ACT AVOIDING TAXES AND HAS NOT RETUNRED TO ME THE NEGOTIABLE INSTRUMENT AKA APPLICATION I WILL BE FORCED TO FILE A IRS FORM 3949A AND IRS FORM 211 AGAINST WELLS FARGO. I HOPE THIS MATTER CAN BE SETTLED QUICKLY AND SWIFTLY SO BOTH PARTIES MAY MOVE ON.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i was used as a authorized user but this is affecting my credit score because whoever account this is their are over their credit limit and it is messing uo my credit score im trying to take out a morgage so i can buy a new home but i cant until this tradeline is removed from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
ON OR AROUND XXXX OF 2023 MY TD BANK CREDIT REPORTED THAT MY ACCOUNT WAS XXXX DAYS PAST DUE. THE REPERSENTATIVE THAT TOOK MY PAYMENT INTIATED A PAYMENT THAT WAS NOT WHAT I INSTRUCTED HER TO DO. MY MONTHLY PAYMENT WAS {$35.00} AND THE LADY PUT IT IN THE SYSTEM {$33.00} AND THIS CAUSED MY ACCOUNT TO BE IN A XXXX DAY PAST DUE STATUS WHICH AFFECTED MY CREDIT REPORT AND NOW I CAN'T GET A HOUSE OR JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I had a Wells Fargo account, teller forced me into opening a savings account, saying it would close after 30 days if I didnt sign the papers. Several months later, I had overdraft fees since my check was deposited into my savings account- the account that should have been CLOSED! I bought in the papers that I never signed telling them how much money this cost me and how I was lied to. 

They did NOTHING and made me pay the overdraft fees since they werent budging even though they knew they had taken money from me in those overdraft charges. 

I want the money that they owe me and deceived me into opening an account without my 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 2023-09-18 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I sent certified mail to CEO XXXX XXXX XXXX and Chief Executive Officer, TransUnion XXXX XXXX XXXX XXXX, XXXX, IL XXXX The company responded with a letter stating that my request was ineligible.

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 2023-09-18 00:00:00
Product: Credit reporting 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: TX

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 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.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
This is a charge off-write off account that is what's on the credit report. It keeps going up. 
the write off was in 2018 and this charge off account has double in the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
This was a PELL GRANT, Collection Agency WILLIAMS AND FUDGE INC Original Creditor Name XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$2900.00} Status Date XX/XX/XXXX Status UNPAID Comments Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact WILLIAMS AND FUDGE INC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Date Reported : XX/XX/XXXX, This was a state Pell Grant, not a loan.On XX/XX/XXXX, the President signed Public Law XXXX, the Consolidated Appropriations Act, XXXX. Under this appropriation, the maximum Pell Grant award will increase to {$6000.00} for the XXXX award year, and the corresponding maximum Pell Grant eligible expected family contribution ( EFC ) will increase to XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These Credit Reporting Companies : EQUIFAX, XXXX, XXXX, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX  XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I made made an overpayment on one of my student loans account. instead of crediting the overpayment to my other federal loans, they just show as overpayment. i contact them, they said it will take a few days and they can then manually transfer the overpayment to my due loans. its been over a week, nothing has been done. i am still accuring interest on my loans while i have extra overpayment in my paid loans just sitting there. this is fraud practice as they just want to get interest money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 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 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: CA

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 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 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 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 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding a medical debt that has been reported to the credit bureau by the collection company, Lockhart Morris and Montgomery. Upon further research, I have discovered that this debt, amounting to {$670.00}, is in violation of the Florida statute of limitations for medical debt. 

According to Florida law, the statute of limitations for medical debt is XXXX years, and there is no separate category for the collection of medical debts. A hospital or other medical provider has a maximum of XXXX years to file a lawsuit for unpaid medical bills, starting from the date of the unpaid invoice or bill. However, upon conducting thorough research, I found that the date of this debt can be traced back to the year 2018, which clearly exceeds the statutory limit set by the state of Florida. 

I believe it is crucial to bring this violation to your attention, as it not only affects my credit report but also raises concerns about the collection practices employed by Lockhart Morris and Montgomery. It is disconcerting to see a debt being reported and pursued beyond the legal time frame allowed by the state. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to rectify this violation. I request that the XXXX ensures the immediate removal of this debt from my credit report, as it is in violation of the Florida statute of limitations for medical debt. 

I have attached all relevant documentation, including the letter from Lockhart Morris and Montgomery, as well as the research conducted on the Florida statute of limitations for medical debt. I believe these documents will provide the necessary evidence to support my claim and expedite the resolution process. 

I appreciate your attention to this matter and kindly ask for a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My account is paid off in full but that has not been reported to the credit reporting agencies. All 3 of them show a large balance remaining. It has been over a month since it was paid off. Nelnet said it was reported but it wasn't since all 3 credit bureaus show the same balance and that it was last updated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Someone I was seeing, dating, took my credit card without permission. This card was used for a number of purchases and services. When I received my statement, I notified Citibank, NA of the charges. I also wrote them according to their dispute rules. Citibank, NA ruled that the charges were by an authorized user. I requested receipts of the transactions and additional information related to their dispute process. This was not provided. 

I have mailed no less than 7 letters to Citibank regarding these unauthorized charges. They have since reported to the credit agencies that this is a delinquent account, which is not true. Citibank has failed to respond related to the dispute of the unauthorized charges since their decision letter. I asked for appeal process and arbitration information. It was not provided. 

These charges are from XX/XX/2023, in the amount around {$1400.00}.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The follow items are suspected of being a product of fraudulent activity .My Ssn and all person information have been leaked online.I believe this has lead to some unauthorized use of my credit, credit cards, and personal information. I have files a police report and the items on my report i believe to be affected,. see atttachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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:
This Person ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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