vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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 had names that were not mine, addresses that are not deliverable to me by US Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my Equifax, XXXX, XXXX credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased Equifax lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received my reinvestigation back from Experian. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not XXXX XXXX accurate. 

Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX  XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My account was closed because of fund.. I went through the process had a police report and all they was charging me over draft fees and I had to pay the money back with I didn't get

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I was laid off by XXXX XXXX Mortgage as a mortgage underwriter. I contacted PHH Mortgage ( my mortgage holder ) on XX/XX/XXXX and began the process for a loan Forbearance which is my right. I uploaded all required documents on XX/XX/XXXX except for proof of my income from unemployment. This was delayed as I had just been laid off. I then uploaded the final required proof of income on XXXX. I contacted PHH multiple times and logged on to their system almost daily to follow what is needed. I was then told they cancelled my application due to its incompleteness. This was their error as the final unemployment document was uploaded on XXXX. After several phone calls and e-mails they re-activated the application and sent notice of that on XX/XX/XXXX. It is XX/XX/XXXX and I am still waiting. I received a letter today ( only after I sent further correspondence requesting a status ) that states " The application is currently complete as of XX/XX/XXXX, and we do not require any additional documents at this time to evaluate the request for help. ". On attached correspondences it states " We will review the account for all possible mortgage assistance options. Under applicable law we are required to complete our review within 30 calendar days from the date we determined the package was complete.. '' - It is WELL over 30 days. Each and every verbal contact made has ended in my extreme frustration. The contact for XXXX is NOT the same company that underwrites, receives or reviews ANY of the documents uploaded so they have NO information but they continually ask for money and frustrate me beyond belief. I make them confirm the phone calls are recorded so that in the event I need to seek legal action they will show just how infuriating it was to deal with the contact people. They admittedly could never answer a single one of my questions and would not provide me with an underwriting contact. They are EXCELLENT at apologizing and telling you they will escalate. Nothing ever happens. I would love for the all the recordings to be reviewed. I have receipts of all uploads, e-mails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Home was wrongfully foreclosured on by Wells Fargo. 
I made payments, actually made over the amount due. Always have. 
May have missed payments XXXX  years ago but thought according to XXXX it was caught up. 
Every payment made was sent back to me by check in the mail! No certified letters, nothing. I didn't open so therefore haven't cashed the checks. 
First I heard was someone showed up at my door saying they purchased my house!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC
State: AZ

Complaint narrative:
I have been receiving ongoing bills from XXXX XXXX XXXX since the beginning of XXXX and most recently I received a notification of collection from ARC Management company. This company also sent me another mail on XXXX XXXX and I sent them a registered mail back with a request to cease and desist. Despite my request they sent me another letter on XX/XX/XXXX. They are currently violating FDCPA regulations See 15 U.S.C 1692 ( c ). I visited this hospital in XXXX of XXXX. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me. Please let you client know to stop waisting time and resources on this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: KS

Complaint narrative:
Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), 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 ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX/ XXXX  account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not.

the original debt XXXX/XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX  as a debt unpaid is both fraud and illegaXXXX XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer since about 2006. There have been countless times over the past 17 years that my account and/or debit card have been frozen, transactions were debited from my account in such a way as to overdrawn the account and cause me to incur overdraft fees, and a {$700.00} paycheck was even held for the weekend after they initially cleared it.The employer is XXXX and a Wells Fargo customer as well. Customer Service told me i had to wait until the funds " were collected '' before they could release them. I worked for XXXX for 4 years. I saw the 'back shop ' hold customer 's checks so many times for longer than was necessary, even longer than our policies suggested it be held. They are just as dirty today as they've ever been and if there is any way to hold them accountable, then I'm all for jumping on that bandwagon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this complaint is on XXXXXXXX XXXX XXXX 
this company has closed my account. in XX/XX/2021 i tried calling to settle this debt with them but was informed that the debt was sold to a collection agency.my complaint is that they have not listed the debt collector 's information. they continue to report negative remarks on my credit report every month. 
they have listed this account as charged off as bad debt profit and loss write off. 
who is the company that now holds this debt? I've checked my credit report with all XXXX bureaus and there's no collection agency being listed. but on my credit report XXXX XXXX has it as its in collection .i am trying to repair my damaged credit and i can't do that if i don't know who the collection agency is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not my loan. This loan is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not my loan. This loan is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not my loan. This loan is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
They talked me into buying a lease I tried to turn in at just about the same amount it was leased after the lease ran out ... even when I told the dealership I couldn't afford it this was after they did the paperwork ... then it went on my credit report which made my next payment high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I received a FRAUD NOTICE on my credit monitoring service on XX/XX/2023 at XXXX. The name was Allied Collection Services/XXXX XXXX. I researched the businesses and found that XXXX XXXX is an Apartment building located here in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. When I called the number to XXXX XXXX this morning on XX/XX/2023 at XXXX - I was told by the person who answered the phone, named XXXX XXXX that my legal name as it appears on my ID and credit reports did not come up in their system. Furthermore, after requesting my email address, XXXX then stated that she would not be able to provide me with an email confirmation that I did not appear in their system, and that I would need to provide proof that I did not live there. (?????? ) At this point, I contacted the FTC regarding this clearly fraudulent matter - as XXXX XXXX is asking for more personal information, which I did not provide. I have never been contacted via phone, mail, nor any electronic means by XXXX XXXXAllied Collections at any time prior to the posting of the alleged {$2900.00} debt. I have no other option than to report this IDENTITY THEFT by XXXX XXXX XXXX ( XXXX XXXX, NV ) and Allied Collection Services XXXX XXXX, NV ). I never applied for, signed ANY lease, nor resided at this location in any capacity in my life. 

I called on the same day XX/XX/2023 to ALLIED COLLECTION SERVICE and spoke with their agent XXXX XXXX, and he indicated that if I sent the dispute to them via email regarding the fraud they would have the item removed. As of today, the item has not been removed, and I have been the victim of financial loss because of their fraudulent and negligent collection on an account of which is NOT IN MY NAME. 

I have sent via XXXX Mail a full dispute to all named parties in the form along with the FTC Report outlining the fraudulent actions taken against me. 

If the CRA 's and, original creditor, or the Collection Agent ( data furnisher ), do not DELETE + BLOCK this item from appearing on my credit report, each party named will be liable for any damages I have experienced due this egregious violation of my FCRA and FDCPA rights. 

I will take all measures against these parties to ensure the full protection financial health and credit reputation. 

Thank you for your assistance in this matter. XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: DE

Complaint narrative:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : {$170.00} Balance updated XX/XX/2022 Original balance - Account number XXXX Open/closed Closed XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX BY Account number XXXX XXXX XXXX XXXX creditor : XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had two Bank of America credit cards. I stopped using the cards more than two years ago because in my opinion Bank of America has the biggest liars in XXXX XXXX that I have ever dealt with. I called Bank of America on XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX and spoke with a BofA customer representative by the name of XXXX. I asked XXXX why my credit card interest rate had increased from approximately 15.99 % to 20.24 % in a year. XXXX said that the rates were in line with credit card rates, paraphasing, and this is the reason for the jump in interest rates. This is the only credit card that I have that had such a high jump in interest rates. I stopped using Bank of America credit cards for over two years ago and was paying them off monthly with more than the minimum payment each month with only one late payment because I lost the coupon sent. This is the only credit card that I have had that has such an unusual high jump in interest rates and I have had credit cards from BofA before and paid it off monthly the same as this one. The reason why I stopped using BofA credit cards is because of the liars XXXX XXXX, Chair of the Board and CEO sent to me when I requested a mortgage refinance when Countrywide was given to BofA according to reports and he sent nothing but liars to, so call work with me, and they did nothing but lie and I still have the documents to prove it. The credit card ends in XXXX with the latest high interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have found some inconsistencies reporting on my credit report therefore I am requesting my original contract, full payment history, any communication which was sent to me for the duration of the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed a complaint with you a while back. This is the number you gave me. 
XXXX I asked for a check for my rewards early last summer and never received the check. I called the bank and they said they issued another check. This check never came. I called again and asked for another check and they promised they would send the check which also never came. Then the bank decided they wouldn't send the third check even though they promised me they would. Even after they promised they would send the check and then changed their mind they asked me to drive to the bank and sign a form that I have difficulty reading as the font is small and I don't have perfect vision. I had someone read the form to me and I don't understand it and it seems to imply that I lost the check which isn't true because I never received the check. I should not be required to go to the bank and sign a form since Wells Fargo promised me to send the check. In the meantime they've held onto my money since roughly XX/XX/2021 an amount over {$8000.00}. Please help me so they actually mail me the check registered mail like they promised to do. If you look online you can find Wells Fargo does this alot to people when they ask for a check for their rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Paid more atm fees that was over charged

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SD

Complaint narrative:
Oh, on XX/XX/2023 I was reviewing my bank statement for my Chime checking account and noticed that there was a duplicate transfer to cash app made at XXXX XXXX on XXXX. I filed a dispute with Chime for the {$200.00} duplicate transaction. Chime denied the claim by the next morning then refused to tell me why for 10 days when they finally didnt tell me why none of the reasons for my dispute were correct they didnt investigate anything they are not handling disputes correctly they say I could file or a bottle, so I filed a rebuttal. They denied that without even giving me time to submit any additional

Company response to consumer: Closed with explanation