vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXXXX/XX/ the sale of my home was completed and funds were wired to my account. I checked my saving account Monday, XX/XX/, no funds, nothing pending, Tuesday XX/XX/XXXX again, no funds and nothing pending. Wells Fargo denied receiving the wire. The sending Tittle company confirmed that funds were sent. It wasn't until the Tittle company traced the wire and confirmed that Wells Fargo received the funds, Wells Fargo admitted they had received the funds, {$430000.00} Wells Fargo then claimed that it looked suspicious ( The Wire ) is why the funds were held. The protocol for that bank is to notify the branch manager, The branch manager was to notify me. This was never done, the branch manager was never notified, when the branch manager inquired about the wire the bank denied receiving the wire. This caused a lot of stress. And time trying to figure out what happened to the wire. Those funds were to be used for purchasing another home the six day delay caused me finical hardship, ( increased interest payments ) Plus stress wondering what happened to my funds.

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 2023-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose

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 2023-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hey cfpb i checked my credit report and noticed there are some errors within it so now im writing in a dispute to see if i can get these deleted because there are not 100 percent accurate from what i'm seeing, I have also reached out to Equifax. This damaged me and held me back so now i have to take action. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from the Texas Attorney General 's Office stating that I was delinquent on a student loan ( serviced by the Texas Higher Education Coordinating Board " THECB '' ) and if not paid in full ( {$9800.00} ), the Attorney General would file a suit against me on the behalf of the State of Texas. The letter was dated XXXX XXXX XXXX. 

This was the first I knew of this loan being delinquent and had thought until that point that it was in deferment. 

I called the THECB on XX/XX/XXXX and left a voicemail and asked to be called back. I spoke with them on XX/XX/XXXX and they transferred me to the Texas Attorney General 's Office. Before transferring me, I asked what address they had on file because I hadn't received any sort of notification from them about the loan being delinquent. They gave me my current address but did admit that it was recently updated in their system at the beginning of XXXX which means if they did send any prior notifications, they went to the wrong address. I live in XXXX now and have not lived in XXXX  for many years. 

I spoke with XXXX in the Attorney General 's Office and I attempted to set up an affordable payment plan but I was informed I must pay it in full or they would file a law suit against me. I explained that I hadn't gotten any prior notifications and could not afford to pay the loan in full but could make smaller monthly payments until it is paid off. XXXX reiterated that that was not an option and followed up with an email giving me the following two options : " Option A : Pay {$9800.00} on or before XX/XX/ or Option B : Pay two installments of {$5100.00} each- 1st installment due on or before XX/XX/, and final installment due on or before XX/XX/. ( These two installments include the monthly minimum {$170.00} due on the XXXX of each month. ) '' I am unable to afford the options the Attorney General 's Office have given me but am more than willing to set up more affordable payments but am being told that is not an option. Additionally, I now live in XXXX and would be unable to appear in court if they file a suit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My car was used without my permission! *unauthorized*. Now I can not pay my bills this is very unfortunate and has me facing eviction!!! I am a loyal consumer please help me they cant hold my money I AM FACING EVICTION WITH A 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 explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have used 2 PayPal personal accounts to purchase certain online services and content, to receive a reimbursement from my workplace. 

I have never filed any IDs to open and close my PayPal accounts. However, PayPal started to force me filing IDs to keep the account created under the email account XXXX. 

I replied to them that I would prefer to close the account if I need to file extra IDs. Then, they shut down my another account XXXX without requesting any ID check. 

I contacted them to file a complaint as they shut down the wrong account, but I received no answers on this issue. Instead, I received a message from PayPal agent, XXXX, on XXXX XXXX XXXXXX/XX/, that I still need to file IDs either to keep or to close the account. 

In terms of the account safety, I believe my account should not be left only with certain limitations on. I would like to request PayPal to close my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This compliant relates to the CFPB Case XXXX. Truist Bank sent a letter to me regarding the original compliant and the actions they took. The letter stated " We refunded the fee and sent you a {$50.00} check on XX/XX/ ''. The letter was from XXXX XXXX, Client Resolution Specialist in the Consumer Regulatory & Executive Services Team. XXXX also said in that letter that I should call them at XXXX if I had any questions. 
I have never received the {$50.00} check. I called the number on 5 different occasions. No one has been able to tell me where this {$50.00} went or to connect me with XXXX. On one call, XXXX told me the {$50.00} was not mailed but rather put in a new XXXX XXXX account because it related to an IRA. I called them and that did not happen. The money appears to have disappeared. My concern is the incompetence of the people answering the phone, writing letters which are completely inaccurate, and basically lacking integrity. Are there no controls in place at Truist? Do they not train people answering the phone? Are they always dishonest in letters they send? 
I moved my money because they closed my account without my permission and just issued a check. Their explanation was a processing error. Wow and they have access to customers ' information.

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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have utilized email address of : XXXX in the past with the business. I do not remember having a credit card product with this business since XXXX. See attached documents, on XX/XX/XXXX the business sent me an email stating " you're enrolled on online and mobile banking ''. I called the business on this date to advise that I did NOT open any credit card or checking account. Oddly, the business sent a follow up survey on XX/XX/XXXX, addressing me as " XXXX '', when in fact my name is : 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
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Collection account from LVNV FUNDING with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: NC

Complaint narrative:
I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

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 2023-04-08 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: 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, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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.

15 U.S. Code 1681 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

1. XXXX - XXXX - Account Review 2. XXXX XXXX - XXXX - Account Review 3. XXXX XXXX - XXXX - Account Review 4. XXXX - XXXX - Account Review 5. XXXX XXXX - XXXX - Account Review 6. XXXXXXXX XXXX XXXX XXXXXXXX - Account Review 7. XXXX XXXX - XXXX - Account Review 8. XXXX XXXX - XXXX - Account Review 9. XXXX XXXX - XXXX - Account Review 10. XXXX XXXX XXXX XXXX - Account Review 11. XXXX XXXX - XXXX - Account Review 12. XXXX - XXXX - Account Review 13. XXXX - XXXX - Account Review 14. XXXX XXXX - XXXX - Account Review 15. XXXX - XXXX - Account Review 16. XXXX XXXX - XXXX - Account Review 17. XXXX - XXXX - Account Review 18. XXXX XXXX - XXXX - Account Review I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: CA

Complaint narrative:
credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
credit reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose

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 2023-04-08 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city and the hospital essentially were on lockdown. I was no longer able to see patients in office because of .During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city, and the hospital essentially were on lockdown. I was no longer able to see patients in office because of the pandemic. I was no longer able to perform procedures due to COVID-19 unless they were emergent. This significantly reduce my income. I was unable to make payments and even call Bmw financial to discuss my situation. Under the Cares companies were supposed to make concessions because of the difficult times during the pandemic. When the hospital allowed us to resume normal work, I am mediately paid the remaining balance of my auto loan off which was almost {$7000.00}. I have disputed the claim of me being late many times, but Bmw refuses to remove the late payments. I have hired an attorney and given power of attorney for assistance. BMW Financial refuses to cooperate. Are no longer owe them anything. Its unfortunate that during the time of a global pandemic that they wouldnt take advantage of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/ applied for a personal loan from the business. On, XX/XX/, XXXX XXXX at the business stated my XXXX credit report file size is to large and if XXXX could be pulled. As a note, an inquiry from this business shows that they pulled XXXX on or about XX/XX/. On XXXX XXXX XXXX, I notified the named individual at the business via email on the portal that XXXX can be pulled. She replied back that she would let underwriting know. Ten days later nothing has been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
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. 

Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
IC systems placed a collection on my credit report that is not mine. I talked to the company and they even have a different social security number for me, but still placed this debt on my credit report. 
This account is not mine, I am handicapped and elderly and have not had a XXXX account in many years. There is someone who has my information, and I don't know who, they tried taking money from my bank account as well. I need to remove this asap.

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