vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 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: LA

Complaint narrative:
I sent a letter asking for validation of debt to XXXX XXXX  for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX which was over 90 days ago by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX  has failed to validate this debt and have not sent anything bearing my signature or nothing pertaining to this debt belongs to me. 

I also sent a letter to Equifax to delete this account 60 days ago due to XXXX failing to validate this debt. I called Equifax and they said they didn't receive my letter. I then sent another letter to Equifax to delete this debt along with a copy of the letter that was sent to XXXX XXXX  for validation with my state ID and proof of residence. This second letter was sent by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo took advantage of me with my loan for my car. It also charged me fees in my checking account. I had many issues with 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 explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I contacted ZIP to remove my debit card that is stored in my account. I provided a written statement that I am revoking authorization of the use of my stored debit card. ZIP refused to remove my debit card after multiple attempts. It is illegal to use my debit card without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Wells Fargo has made several errors in deposits availability in my account

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 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Reviewing my credit reports as of XXXX XXXX XXXX, I noticed that an account named XXXX XXXX XXXX / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a XXXX XXXX XXXX is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the XXXX report. XXXX credit report as of XXXX XXXX XXXX reflects paid collections, while Equifax credit report as of XXXX XXXX XXXX, reflects multiple months of " ND '', and Paid Collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have had XXXX auto loans. With lots of issues both loans are closed out. However during the pandemic my car was almost repossessed. I want to make sure loans were paid at the time of payment. Excess interest wasnt applied and once paid off fees were paid back such a XXXX etc.

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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made a {$500.00} payment Saturday being assured funds would be available in two hours. That was on the XXXX at XXXX EST. Nothing reflected by XXXXXXXX XXXX. I called again and was told by a rep my funds would posted bt XXXX XXXX on the XXXX. NOTHING. I called a 3rd time on XXXX and was told they will reflect by XXXXXXXX XXXX. I am in an abusive situation trying to leave before my life is jeopardized, informed Wells Fargo of this and Nothing. Wells Fargo is withholding funds again.

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 2023-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates shows that they have 2 different collection accounts both originating with XXXX XXXX. This is NOT correct. I only have 1 account in the amount of {$2300.00} dating from XX/XX/2022. 

Wakefield & Assoc shows that I have 2 accts/collection amounts : 1. {$2300.00} datedXXXX 2. {$2300.00} dated XX/XX/2022 This debt is listed twice but is the same debt. There should only be 1 collection amount, NOT 2. 
I have disputed these accounts 4 times and even wrote them a letter but they refuse to correct their records. 
This is illegal and unlawful to do to a consumer. They call several times a day harassing me for this money. 
I am requesting that Wakefield & Assoc remove this from my credit report. This is fraud against me and I am asking this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. A XXXX XXXX XXXX XXXX  has been impersonating me. on XX/XX/2022 ( XXXX ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXXXXXX XXXX is a dangerous individual, scammer, impersonator.

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : 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 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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-05-07 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: IL

Complaint narrative:
The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal.

They also violated the because according to 15 U.S.C 1681 section 602 A states I have 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

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 2023-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: PA

Complaint narrative:
I just recently received a new way2go debit card for my child support payments and this weekend was the first time i received a payment on my new card. I activated the card and created a pin as soon as i received the card, which then deactivated my old card that was used for my child support payments. When i first tried to use the card at a gas station near my home the card was declined. Thinking maybe i might've already forgotten the pin, i went onto my app and changed my pin then went back into the gas station and attempted to use it again but it was once again declined. I tried the ATM thinking maybe their card reader was down again but my card was once again declined. So at that point i attempted to use my money by transferring it to my XXXX account, then my XXXX XXXX account and it continued to decline my attempt. Then i tried sending money to my fiance and it finally allowed me to send him money but only in increments of XXXX {$3.00} or possibly XXXX times. So thinking the issue was finally fixed and my card was working we went back to the gas station and once again my card was declined. At the time it was after hours to call customer service so we waited until morning and tried numerous times to contact someone about the situation with no luck. So we thought maybe it's the actual card but still works online... we then attempted to place an online order through XXXXXXXX and once again the card was declined. at this point i was very upset and confused. My fiance finally was able to get ahold of a call center and the lady only made the matter worse by completely deactivating the card, somehow. To be honest, i have absolutely no idea what the issue is. If you go on my app or the website, it doesn't say that my card is locked and it shows the transactions i made through XXXX and or XXXX XXXX. but no matter where i try to use my card now, online or in store, my card is declined. The funds are on the card and you can clearly see that i was able to transfer funds via payal a few times. So can someone please explain to me why my card is declining every transaction and please help me transfer my funds from this card/account onto my personal account. Or at least make my card work so that i can be able to use the funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 sectlon 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 writton XXXX15 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Manhattan Beach Venture, LLC
State: NE

Complaint narrative:
I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Leave and Earnings Statement ( LES ) from the military with my social security number and the bank account number that shows I had money going into this account. I also had my disability compensation deposited into this account. When I went to check on my account, first I was also told by a representative that there has never been an account opened with my name at the bank. After I showed her my LES, she then told me that my wife closed and reopened the account under a different name. I told her I have never been married. She said she would not assist me unless I could tell her the name on the account. On a different day, I went back and spoke to a bank teller, and she told me there was an account opened with the bank account number listed on my LES  and under my name, but the current name on the account was not the same as the one the account was opened under. 

I have filed two prior complaints ( complaint # XXXX and XXXX ) in an attempt to address this same issue. I have been contacted by a representative and I was told I would receive a settlement offer but the number provided via voice message and the letter I received through the mail did not work. 
After I filed the second complaint, I was told again I would receive correspondence by mail, but that correspondence never came. 

The number I received a call from ( XXXX ) and spoke with a Bank of America Representative was on XX/XX/XXXX ( Friday ) at XXXX XXXX. The call lasted for 2 minutes and 15 seconds. 

I have made the following calls below to the Correspondence Review Department at phone number ( XXXX ). The automated message isPlease leave your name, phone, and address of property you are calling about. I have left a message with each call. XX/XX/XXXX ( Tuesday ) XXXXXXXX XXXX 49 seconds ( Outgoing Call ) XX/XX/XXXX ( Tuesday ) XXXX XXXX 56 seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  57 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXX XXXX - 1 minute 31 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXXXXXX XXXX 1 minute 3 seconds ( Outgoing Call ) XX/XX/XXXX ( Monday ) XXXX XXXX  - XXXX minute XXXX seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  1 minute 6 seconds ( Outgoing Call ) XX/XX/2023 ( Thursday ) XXXXXXXX XXXX  59 seconds XX/XX/2023 ( Wednesday XXXX XXXX XXXX XXXX minute I have not received a call back. 

This is the second time I was informed that I would receive a response in regard and the second time that response has not come to pass.

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 2023-05-07 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: CA

Complaint narrative:
CFPB XXXX ======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I'm a single woman that works full time. I have been making my mortgage payment fine for years on time, This company Select Portfolio servicing out of no where took my monthly payment to {$4500.00}, in XXXX of this year, they did not give me any warning, I would call this mismanaging of my mortgage on their behalf on my mortgage. I feel like I'm being preyed upon they tried to do this same thing in XX/XX/XXXX. Like in XXXX they had me feel out a ton of paper for financial assistance. Which I did not need until they increased my mortgage I was doing fine I have worked with my company XXXX XXXX XXXX now for over 10 years. I make {$80000.00} a year sometimes more or less. My loan number with SPS is XXXX they say their are no financial options for me. they are a evil l company they have done the same thing to other people I know. my Payment is now increased by {$790.00} a month. Where is a woman at the age of XXXX to come up with this extra money. I need your help, they are trying to take away my house that I have lived in for 27 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There were credit cards issued and opened in my name dating back to XX/XX/2022, at which time I was XXXX  until XXXX XXXX with the XXXX XXXX XXXX XXXX. I have documents to prove that as well

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