vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
I had a XXXX XXXX months ago then right after fell sick and was taken off for by my doctor and XXXX  have been off XXXX months due to XXXX XXXX  issues on unpaid FMLA! At that time I let the XXXX  XXXX XXXX XXXX XXXX XXXX  know this and that I would pay the balance due asap when I am released to XXXX. I an twice widowed, went through all of my savings while off paying my living expenses with it and my credit was ruined after my savings ran out on XX/XX/2022. I am still off all bills are behind and I have no way to get a loan or credit card or pay anyone as my score has tanked to XXXX due to all. I work for the State of XXXX XXXX  and was denied my workers comp and disability. I also provided insurance for them to try to bill all as well as XXXX while I am off work. In addition this bunch of crooks at the collection agency have padded the balance by several hundred dollars so committing fraud and are sending notice via my email instead of mail which I never gave them my approval to do!! I will not be paying the bill at all now!! This is my official CEASE AND DESIST to them and I am contacting a lawyer about suing them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
This is my formal complaint to KIA FINANCE AMERICA for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-06-26 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: VA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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:
the XXXX credit bureaus ( XXXX, Equifax, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
the XXXX credit bureaus ( XXXX, XXXX, Experian ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Since XX/XX/2023 I've randomly had my overdraft taken away for no reason and my account has been in good standing. My bank hasnt told me as to why they are stopping my overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I have closed accounts on my report that are in violation of the law 15 usc 1681b and 15usc 1681aXXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;..

And I want them remove asap 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies * U.S. Code * Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 informations Accounts : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I opened a Chase business checking account for my business on XX/XX/23. I deposited checks for customer orders for about a month and a half. I called them on XX/XX/23 about a payment issue and they told me my account was restricted due to I think they said some stop payments. All of the rest of the checks cleared ( and all the checks are legitimate checks of course ). I tried to resolve this on the phone to keep the account open by them verifying the checks. But XXXX of the check makers did not want to give out the information over the phone to them so they said the account would then be closed. I received a letter in the mail from them saying the same thing. They said my account would be closed on XX/XX/23 and a check would be sent to me in the mail for the balance. I called them again on XX/XX/23 and they told me they had to verify all the checks yet again before releasing the funds to me. They already went through this exercise. Also, the balance consists of checks that have long since cleared. They are holding my account up and not releasing the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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:
This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
AllFollowing up with my previous complaints. I am reiterating the issues I have encountered with Wells Fargo since XXXX. 

Misleading Loan Advice In XXXX, as a twenty-something first-time home buyer with a credit score over XXXX, Wells Fargo advised me to take a balloon mortgage as a second mortgage. I did not understand what a balloon mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. As time went on, they said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages and then they started saying that they no longer offer them and were unable to help me. I even had onXXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I recently learned that this loan type is SO risky, that Wells Fargo stopped issuing in XXXX with the Dodd-Frank Act. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} Balance today : {$37000.00} Administrative Errors Administrative errors seem to be a common practice within Wells Fargo. I requested an amortization schedule ( TWICE ) in XXXX which showed my mortgage as a conventional loan. The first amortization schedule, they entered the wrong date for the simple interest loan and then they resent the amortization schedule with the correct date XX/XX/XXXX ( SEE ATTACHMENTS ). BOTH times they sent the amortization schedule as a simple interest loan! 
After a while, I noticed my balance was not going down like the amortization schedule showed and I contacted Wells Fargo to inquire. It was only then that they said that the amortization schedule was an error and they made a mistake ( AGAIN ). 
In XXXX, Wells Fargo sent me a check for {$270.00} to compensate for their multiple administrative errors. {$270.00} does not compensate for the multiple administrative errors Wells Fargo has made causing a damaging financial impact on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: VA

Complaint narrative:
On XX/XX/2023 I obtained a consumer disclosure credit report from FActor Trust. The report number is XXXX. Factor Trust is housing and reporting inaccurate information. I have not given nor have I consented to Factor Trust sharing and or reporting any information as they have No Permissble Purpose. I hereby request that Factor Trust place a security freeze on my report and Cease and Desist from providing information about me. I have attempted to place the security freeze online via their website however the inaccurate information they have is not permitting me to do so. I've called XXXX for assistance and it all automated and no human answers to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DID NOT DISPUTE THE ACCOUNT ATTATCH TO THE LETTERS, AND I DID NOT ANYON TO DELETE MY ACCOUNT. PLEASE, I'M BEGGING YOU TO RE-INSERT IT TO MY ACCOUNT, THANK YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: CA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately eighteen months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.

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 2023-06-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

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 2023-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at XXXX XXXX accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was called by a wells fargo impersonator on the customer service line XXXX that had claimed that there was fraudulent activity on my debit card. They had impersonated how Wells Fargo handles fraud cases in an extremely convincing manner, stating the exact time and location that the " fraudulent activity '' was occurring, in XXXX florida at a XXXX. The impersonator asked if they can shut down that card and send me a new one, they had sent me a convincing link from XXXX XXXX XXXX to XXXX XXXX XXXX... I thought this was a bit suspicious and called out to the impersonator that I didnt feel comfortable. They had reassured me that they had called from the customer service line, and had read by my information to me ( name, email, mailing address, and even social security number ). I had takenthis as a sign that they were who they said they were and logged in, unknowingly giving the impersonators access to my online banking information. The impersonator then gave me case numbers for the " fraudulent attempts '' at charges on my debit card, and even a mailing tracking number for my new debit card that was to be sent to me.I didnt know it at the time but they had on the phone been able to access a wire transfer of XXXX out of my account, just like that. They then had access to my mother ( co-owner of my account ) and had run the exact same fraud on her, granting them access to send another wire transfer of XXXX out of my account. I just lost my job and was affected by layoffs. Wells fargo is not doing ANYTHING to support me. Please help me, I can not believe this is happening and it feels as though my entire world is about to explode, being down 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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
This complaint is for Incomm.I do not accept the terms, I have suffer intangible damage due to this mistake on behalf of Incomm and also my securities has generated interest over this course of time which is a form of Security fraud of a sort no amount of monies can replace the damages your company caused my family and I, it has been over 18 months to get this matter properly addressed. I have been talking to representatives from this company who informed me over 10 times that this matter would be handle with is a Flagrant violation under the law and has penalty when damages occur and just a return of my Securities is not equivalent this not a cure for the damage that has been done. I will not accept the refund without interest and damages from this company as a delay in efforts to get a resolution.Under regulatory compliance this act is considered money laundering. I am asking for {$1000.00} for punitive damages and interest as well as a return of my Securities of the whole transaction of {$170.00} not {$170.00} if not willing to comply i will be forced to take to Arbitrary Court or class claim this is Malicious and Deceptive business practices and is a violation of federal law company still holding Securities and gaining interest of it. Which is unfair.

Company response to consumer: Closed with explanation