vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter dated XXXX XXXX ( as attached ) from Wellsfargo saying I own money to XXXX 's XXXX ending XXXX. In fact, I paid off all balances on site ( right after each purchasing by using the card. I have not used this card for years, and I have never received any card statements either via mailing or electronically for years. in the afternoon of XXXX XXXX, I visited Wellsfargo XXXX and at the branch I called the number listed in the letter - XXXX - XXXX and asked for all details but with no answers. Then I was told by a banker that 1 ) the card was closed/expired and 2 ) I paid the card {$10000.00} on XX/XX/2022. I could not find any records paying this amount, and I am attaching my XX/XX/2022 bank account statement, this account is the only payment method I can think of. And the banker asked me report this financial fraud.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I added XXXX XXXX as an authorized user on the account ( XXXX ) in XXXX, on XX/XX/14 I confirmed she was added with the representative I spoke to. It is reporting to her credit report as an authorized user. When I spoke to the issuer today XXXX at XXXX XXXX speaking with XXXX they stated they are having issues adding authorized users, and that they are not reporting to the credit bureau, this is obviously incorrect so either they are misinformed, or lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 US 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: AL

Complaint narrative:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate suggesting the disputed accounts were verified and they belong to me. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are STILL NOT accurate. Account Name : XXXX Department of Education - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. Additionally I have attached a side by side comparison of the following accounts. The open date varies, the balance varies, yet the account numbers remain the same? So how are these accounts being reported as 100 % accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The XXXX XXXX  court granted to re-open my case in XX/XX/XXXX. Home foreclosed in XXXX by XXXX due to Bank of America misrepresenting the mortgage services process. Bank of America used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, Ohio. On XX/XX/XXXX, the loan bankruptcy discharged the mortgage debt. They used deception through us a mail and by documents provided through Bank of America. On or about XX/XX/XXXX, Bank of America used an Associate title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy discharge. Bank of America worked with XXXX XXXX XXXX to hold an escrow account for XXXX XXXX XXXX for the government-approved crisis funds. The document XXXX XXXX XXXX reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. ThXXXX XXXX XXXX XXXX XXXXxperience an undue hardship ; the XXXX XXXX XXXX discharged debt. Bank of America took advantage of me during the crisis and failed to satisfy the liens after they brought out Countrywide Mortgage Service. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX  discharge ( s ) during a state of Ohio state and federal moratorium.XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXXXXXX that assigned XXXX XXXX XXXX XXXX the bank to be an indirect mortgage holder for the XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, XXXX XXXX XXXX application mortgage servicer which, name as Countywide Mortgage Servicer, and agreement was no assumption of the loan, Bank of America used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.

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 2023-01-09 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:
Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, XXXX, and Transunion are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXXXXXX # 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 XXXXXXXX # 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 2023-01-09 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: GA

Complaint narrative:
Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding & Resurgent Capital are harassing me for accounts that I did not open and filed police reports against. I gave the consumer credit reporting agencies copies of these documents in which the accounts were removed from my credit report. This means they corresponded with the original creditor of said account. I am displeased to see my identity and personal information ( SSN ) was shopped around to a third party. 

Today, XX/XX/2023 this account is showing on my credit report by a third-party collection agency. This is illegal pursuant to 15 U.S.C 1681b, permissible purpose. No account can be on a consumer credit report without written consent from the consumer. Additionally, I have no contract or business with LVNV Funding, and this account on my credit report has hurt my score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX police report and proof of unathorized reporting of account onto credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: FL

Complaint narrative:
Hello I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXX XXXX  sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. 

I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a XXXX late to my credit bureaus. 

I am in the middle of a real estate transaction and the XXXX late cause a XXXX drop in my credit score. I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported 30 days late and it would not be removed. t be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment of {$350.00} this email did not ask for two car payments The email dated XXXX XXXX XXXX cleary asked for one payment to be made before XXXX XXXX XXXX to avoid a 30day late. I made a complete car loan payoff before XXXX XXXX XXXX, why is a car payoff treated any differently with XXXX. I completed a payoff before XXXX XXXX XXXX well before XXXX XXXX XXXX there should be no 30day late period ... .. whether payment or payoff.. 

I want this corrected immediately as its only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. I will take legal action against XXXX if this is not corrected with all three major credit bureaus.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I went to an atm located at XXXX XXXX XXXX in XXXX TN XXXX. My financial institution which is chime recommended that this would be the closest atm that has no fee to me. I went in the store and selected to withdraw {$300.00}, someone walked up and started speaking to me so as I spoke with them my money was being dispensed as I did not want them to see me receiving my money I spoke with them before removing my funds and when I turned back around the door to the atm closed and it gave me an error message stating that it took too long to remove the funds and to contact my financial institution. I contacted them and gave the instructions that I had gotten from the atm company with a code because they said this was a known issue and they told me it would take up to 10 business days. It has now been over a month and they have not returned my funds yet another dispute I filed they immediately declined it but keep pushing the date back on this transaction. Theyre stating that it will now be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

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, 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 an 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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
received multiple calls from this debt collection company of an alleged debt. I don't have any business with this collection nor have not received any notices in the mail of alleged debit. 

please further investigate this company and have it delete it from my credit report. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: OK

Complaint narrative:
So on XX/XX/XXXX my XXXX XXXX account which has been closed since XXXX ( debt ) was reaged by the company to XX/XX/XXXX. I disputed this error and transunion refuses to update or even attempt to get the right close date from the company the information is inaccurate and should be removed due to FCRA regulations also it was reaged which is illegal it should be removed. I have disputed multiple time with transunion and talked to higher authority in their departments it still is refused to even be looked at or disputed they just go through the motions click a few buttons and not even look into it. And everytime i call to point it out they say oh well we will dispute it for you when i have already disputed it multiple times and rhey refuse to investigate alot of information on my account is innacurate. Like they allowed a XXXX year old credit account to be reaged as a collection on my account know it was going to drop off soon ( XXXX XXXX ) and fail to fix that as well. The account was sold to another company and they reported it after XXXX years on my credit report as new so now its stuck on there for another XXXX. They fail to work with consumers only helping themselves and creditors.

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I just received an letter in the mail stating that I owe over XXXX XXXX dollars for a credit card I didnt even have or havent any knowledge about, the representative over the phone says it was back in the early XXXX. I havent received a credit card by a company providen or asset acceptance , LLC and they want to garnish my pay check, to pay this amount that Im not aware of I dont know nothing about this credit card or debit collector thats in my name, please help I dont have a clue, I never been through this before, how someone can get my name and personal information. This confessions me, that a person stole my identity account # XXXX Im at the police station right now to report identity theft. This is the first notice I received in the mail, that why Im scared nervous and upset at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have been making double payments in the last month, using the same pay method. Turns out they have been canceling my payment and not Telling me about the problem. This can XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXp. I ask them to compensate this month of XXXX because I paid and they decline the payment without any explanation. Refuses to even admit they were wrong that could have cost me my new House I am buying. I did XXXX XXXX  and this is my thanks. This company needs to be put in its place. Milestone. XXXX XXXX. This is a scam that only accepts payments through bank accounts, so they can gain access. Shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Issues with VENMO ; I filed a dispute XX/XX/ they told me Ill get a credit, for the unauthorized transaction for XXXX, in 10 days. I then was told XXXX business days, then 30 days, then 45 days then I was told 50 days. Multiple online chats, multiple phone calls, multiple agents and multiple lies were told/made when I simply wanted my funds back for this dispute I filed. It officially got filed XX/XX/XXXX it is XX/XX/XXXX and I have received NOTHING, but a suspended account now I have up to 180 days ( sometime in XXXX ) to get the SAME XXXX I was supposed to have got back in XXXX. I have a XXXX XXXX XXXX and XXXX XXXX XXXX and now no house alllll due to this dispute that has been going on since XX/XX/ I am UPSET beyond measures because as a customer I feel as if this is a fraudulent bank who did not follow policy and now are keeping my funds & I have NO WAY of retrieving them until THEY feel as if it is a good day to release them to me XXXX assuming.

Company response to consumer: Closed with explanation