vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I sent a validation of debt letter to this company due to checking my credit report and noticing the company is reporting collection accounts I knew nothing about. I sent a debt validation letter on XX/XX/23 and this company still refuses to validate this alleged debt.

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 2023-11-16 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-16 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: UT

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
Experian upload of documents dates : XXXX XXXX XXXX  : FTC, Drivers license, Car registration for address verification, and Affidavit Experian fails to remove fraudulent accounts and are breaking the law with the IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the creditors listed below are in violation of my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 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

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 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I want these inquires to be deleted. I did not authorize these companies to run my credit. 

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 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 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been a loyal Wellsfargo customer for XXXX decades and recently became a victim of fraud while banking with this institution. I recently had " device interference '' in which my username and password were used and I was contacted by a scam artist. 
On XX/XX/XXXX at XXXX I received a call from a man claiming to be from Wellsfargo. My caller ID said Wellsfargo and he was able to send me text messages from Wellsfargo to confirm that he was legitimate. After reviewing fraudulent charges, he told me that I needed to reverse a wire to myself at which point I unknowingly transferred money to a dummy account which was not mine. I immediately contacted Wellsfargo once I realized this ( at XXXX MST ). 
It took the fraud team over FOUR hours to contact XXXX  XXXX XXXX ( the recipient bank ) and recall the wire. At which point the money was transferred and withdrawn and now my case is " no longer fraud ''. 

The wire was completed at XXXX. I reached out to Wellsfargo at XXXX. 

Wellsfargo did not request that the wire be frozen until XXXX ( this is according to their call notes ) They did not receive confirmation of the request from XXXX XXXX XXXX until the morning of XX/XX/XXXX at XXXX. 

At this point the money was gone. 

It is also at this point that Wellsfargo decided that my case was no longer fraud since I had given the person my username and password ) which is completely untrue. My account was hacked because I did not have XXXX factor authentication I find it suspicious that Wells Fargo decided that this was no longer fraud after the wire was not retrievable. 

I have contacted Wells Fargo 's call centers dozens of times only to receive a different reply and be pushed onto another representative. I feel that if this would have been acted upon with more urgency all of this would have been avoided.

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 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX I purchased and finance a Vehicle XXXX XXXX XXXX from XXXX XXXX XXXX and a week after I had to return to the dealership to advised them the vehicle was consuming a lot of air freezer and when driving it at over XXXX ml it loose potential and Check engine light was on all the time. I left it to them to fixed it and after 1 week they requested for me to pick up my vehicle that it did not have any issues. Continue with the problem and when again back to the dealer to get it fixed or to exchange for another vehicle. The Sales Manager XXXX XXXX when ahead and said to take it to the XXXX Dealer to get a Diagnostic he referred us with the XXXX XXXX in which they did a Diagnostic and after he got the repair amount he said he was not going to fixed it and told me to go back again for a second Diagnostic again he decline to pay for repairs. I then decided to take my vehicle to the dealer and told him I wanted my money back and my car payments I did for something they sold that they knew it had problems they did not even get the vehicle a full service when they sold it to me that was the XXXX Mechanic told me. Since I dropped off the vehicle on XX/XX/XXXX I have not received any call from the Dealer to resolved this problem. This people are doing bad business by selling cars that are defective with mechanical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I sent {$100.00} from my bank account through the PayPal app on my phone to someone who was posing as a volunteer from a dog rescue. I pledged money to save a nursing dog and her puppies from the euthanasia list at a shelter in Texas. I got a notification on my phone that a rescue was taking them and pledges should be honored. So I sent {$100.00} and then PayPal charged me a {$4.00} fee. As other people were commenting, I realized that I got scammed. I called my bank they couldn't stop the money from leaving my account even though it was in " pending '' status. Then I contacted PayPal and I was told that there is an agreement between them and the bank. My bank has no knowledge of this and no one from PayPal could tell where to get this agreement. My bank told me that PayPal should be able to pull that money out of that person 's account since it was done through their app and they can see where the money went. No one at PayPal is willing to help me with this. I filed a claim and they closed it right away. I have since sent them the documentation of the scam along with the receipt of the transaction. I was told that because I paid through the " Friends & Family '' method that I do not have any buyer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans union. Credit reporting Has refused to correct. Information. On my credit report and. Because of this. I have been denied. Credit and. Have paid. More in interest. $

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This complaint is my final communication regarding your claim that the account below is being reported accurately. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I never was late XXXX times. XXXX is the only CRA to report this information. Your company is still reporting payment status when the account is closed. Lastly, the alleged balance that was written off, is not what was reported to me by collection agency. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : WORLD FINANCE CORPORAT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 
These are the accounts that I need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant.

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: DailyPay, Inc
State: TX

Complaint narrative:
My company uses a service called DailyPay to allow instant transfers outside of the pay period. This most recent pay period, our check was delayed for 3 days due to an ACH issue on this service 's end. An advance of my own money ( gross pay rather than net pay without tax withholding ) was made available by this service to avoid overdraft due to the delay, but upon transferring this advance, I was told I was issued an overpayment of that exact amount that would need to be repayed before any of the rest my money could be accessed again. I spoke with customer service, who did not sufficiently explain this issue, as the dollar amount they told me was my gross pay, was not correct based on what was reported within the online service. My ticket was escalated to a supervisory figure, and I have not heard back. I received an email from this company shortly after my call with customer service stating that DailyPay would be subtracting the total of that advance from my next paycheck, although this was not the error resolution option I chose through the online service, or the one I confirmed with a customer service agent. My total earnings, which are significantly higher than the overpayment amount, are now being entirely withheld, and there is no record of having made this transfer on the mobile app, or through DailyPay 's own customer service, although it is reported in my bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC
State: WA

Complaint narrative:
An account was opened at XE under my email. I submitted all required information/personal data, including a photo of myself, the amount I expected to transfer per year, and my currency pair USD/MXN. I entered into two contracts to transfer money for legal services in XXXX, for a probate matter in XXXX for which I am the legal US representative. 

I received an email receipt for XXXX for XX/XX/XXXX. XXXX was debited from my bank account. I received an email receipt for XXXX for XX/XX/XXXX. My account was closed with no explanation given. XXXX was debited from my bank account. I phoned and waited 40 minutes ; there was nothing she could do or say. I wrote an email, and they confirmed they could no longer assist me any further, and XXXX would be refunded to my bank account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Just today alone, I have received 6 phone calls from them at the number XXXX. Yesterday, I received 3, previous day, 4. I also received SEVERAL phone calls per day on phone number XXXX. Per Federal Trade Comission, I thought debt collectors can not call you more than 7 times within a 7 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXXXXXX XXXX XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help

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 2023-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Thursday, XX/XX/2023. Connected to the online chat agent requesting to discuss the XXXX  Recovery Options available to me coming out of a XXXX Forbearance. The agent initially said that there were no XXXX recovery options available for my FHA mortgage XXXX After letting the agent know that I spoke with someone from HUD who specifically guided me in what to ask for regarding this matter they said that they would look into options, but that they still needed more information. I let them know that I was advised that they were obligated to review my options for coming out of forbearance without additional information aside from that I was not able to begin making my pre-forbearance payment again, and asked if that was not the case. They did not give an answer to this. I asked for a transcript of the chat and was told they could not provide one. It seems obvious that Rocket Mortgage is attempting to not adhere to HUD/FHA guidelines regarding XXXX Forbearance/Recovery options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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