vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX Someone fraudulently accessed my current lightstream online profile and applied for and took out a loan in the amount of {$25000.00}. This was deposited into an account I never use and do not regularly monitor and was somehow set up for auto payment out of this account which had been coming out without my knowledge until XX/XX/XXXX. XXXX never sent me notification through mail or any means at all of this loan being taken out in my name. I did not become aware of this fraudulent loan until when I became aware of other identity thefts in early XXXX in my XXXX and XXXX Bank accounts. This led me to discover additional thefts from XXXX, including this loan and another fraudulent transfer. We know the address of the person who committed the identity thefts and it is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After discovering these identity thefts, I immediately placed fraud alerts on my XXXX credit reports, filed an identity theft report with the FTC and sent this information to all credit reporting agencies and creditors impacted. All other companies have responded and taken appropriate action on the accounts and inquiries that were a result of the theft. XXXX has failed to respond to my notices and apparently sent notice to the credit bureaus that they certified the account information was correct and added it back to my report. I am asking XXXX to please review the Identity theft reports provided to them and remove this account from my reports as it was opened as the result of identity theft and was not opened by me. Their unwillingness to cooperate is a violation of my rights and I expected more from this company. I have taken out 2 other loans with this company in the past and have had no issues. However, this loan was taken out fraudulently in my name under my account and I am not responsible for it.

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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer Experian and XXXX to do the same.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/23 XXXX reported my student loans to the credit bureaus ten times. I received a letter from the government that my student loans will be forgiven. The government has also placed a hold on student loans and they should not be able to do this until that hold is over!

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I moved. Were I moved there was no Wells Fargo bank. I tried to close account they refused unless I was in person. I said I could not as I was states away. They kept charging me fees on money I could not access. Refused to send me a new card also as mine was lost while moving. So they kept all my money with no way to access it.

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 — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In 2011, XXXX, Wells Fargo illegally continued an Auto-Pay to a linked Wells Fargo credit card that I tried to cancel, I assume by utilizing their status of my bank account fluctuation. This resulted in a stream of overdraft protection fees and I called all day ending up at their executive office who refused to refund, stating something like the accounts were theirs and they could not correct the error. They very shortly after my long call to the executive office refusing to have money stolen from me; closed my account taking all funds remaining and used it to to pay a portion of the credit card attached using whatever law allows them to do that with linked funds. It started an unbelievable financial hardship thats taken over a decade to try to repair.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a refinanced loan with Wells Fargo around XXXX for my XXXX XXXX XXXX under my maiden na.e XXXX XXXX. They made it very hard for me to pay my loan. I had an account with them so I could pay my loan but they kept closing it if it were under a certain amount but that's because I only used it to out the car payment in so that I could then transfer it to pay my loan. Because of this I could only pay by walking in to the bank or mailing a check. 
I then was behind a payment for 30 days but under 60 and a man showed up at my apartment looking for me. He told my roommate he was law enforcement and when my friend asked for a name and badge number he wouldn't give it. I had my boyfriend who was a lawyer look into this and he stated there was nothing on file for me. When I called Wells Fargo about my account they said they've been trying to reach me and even sent someone out to do a courtesy check to make sure I was getting my statements. Which it is completely illegal to impersonate law enforcement. I then traded my car in XXXX and swore never to deal with Wells Fargo ago.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, after 120 days late, knew I couldn't pay, and intentionally financially abused me through ballooning the amount up to file a large tax credit with the support of Transunion.

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 card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have this Home Depot Credit card. They lowered my credit limit without any issue. and without even a notice. Which impacted my credit score.

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: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I was sent a letter from a collection agency that I owed XXXX XXXX XXXX {$600.00} on a XXXX XXXX dollar credit limit they said that I owed {$600.00} after I was making payments every month and my credit report is horrible because they lied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I WISH TO EXERCISE MY RIGHT TO LOAN CANCELLATION WHEN FRAUD IS FOUND 1 ) XXXX XXXX and XXXX XXXX issued a fraudulent, Federally backed, FHA loan. All of the loan statements, loan estimates and HUD statements were misleading. LENDER REQUIRED expenses were omitted to create the illusion of a lower house payment. NONE of the paperwork submitted to the Federal Government is legal, valid, or enforceable as a collectable loan note ( See Exhibit A ). This was not an accidental omission. LENDER REQUIRED ITEMS WERE LEFT OFF THE HUD. They are on their pre-closing checklist. No excuses. 

We have proven criminal intent by XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationstar. How do we know? They never tried to correct the error as required by law and, instead, they used wire fraud to state they were correcting the problem while secretly attempting to foreclose on a widow. ( See Exhibit C ) 2 ) XXXXXXXX and XXXX XXXX never disputed the fact that these errors occurred ( See Exhibit B ). I believe these companies would have followed the law and refunded their portion if allowed to. They had no control over the loan according to conversations. 

XXXXXXXX XXXX and Nationstar also admit the loan fraud occurred, in writing, on their own letterhead ( See Exhibit C ). They admit that none of the paperwork submitted to the Federal Government is legal, valid, enforceable or collectable. Their excuses and claims that any of this was ever legal in laughable. 

In addition, they admit a {$900.00} a month loan went to {$1400.00} after the first year before settling in at an amount higher than my previous loan payment. I was ripped off. Period.

3 ) Nationstar DBA Mr Cooper admitted to another fraudulent act on this loan in XXXX in the Contreras V Nationstar Mortgage LLC case. ( SEE EXHIBIT D ) 4 ) Nationstar DBA Mr Cooper committed loan fraud again in XXXX. They are failing to properly credit early payments and their escrow department engaged in escrow fraud. In a bizarre attempt at accounting I received a refund check from the escrow account for having too much money while simultaneously receiving a payment increase from the same office. 

Accounting requires one or the other. An overpayment check means the payment should have gone lower. It went higher.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

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: 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: FL

Complaint narrative:
XXXX XXXX Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can can something come back verified when not even the open and closed date of it are being reported right. 

Experian is violation my consumer right under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to 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 showing blatant violations for the reporting agency ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
At 120 days late with Netcredit, Netcredit was aware I could not pay. Netcredit then conducted financial abuse to me by letting XXXX percent interest to balloon out for a long period in order to take a large tax credit at a percentage not allowed by the usury limit of the state of Florida, which set to prevent predatorial lenders. Netcredit knew I couldn't pay and used that to financially abuse me.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I was working at XXXX XXXX and had direct deposit and every Thursday when I would get paid, about 2 to 3 hours later my account balance would be negative like negative XXXX $ when I didnt even spend no money cause I was working.. If my check was XXXX $ how would it be negative a few minutes later?

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

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 — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I deposited money inside the bank never went or touch the ATM. But they said I withdraw {$800.00} in which I never had {$800.00} at the time. I deposited {$400.00} inside with the teller.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comentity Bank stated I had 3 credit cards New York and Company, Ann Taylor and Victoria Secret. I did have a VS card several years ago that was paid in full with another bank. This company is illegally sending me text messages to my cell phone using a collection company. I sent a letter to the collection company via email attaching police reports. I told the company representing the bank to stop texting me in my email and they just sent another text this am about New York and Company. I Blocked their number but they continue harassing me for old debt that I don't owe. I sent letters and police reports to the bank directly back in XXXX. They still reported me to the credit bureaus and have not stopped. They just keep changing collection companies that have never notified me after I worked with the bank to remove this fraudulent debt. To be candid if consumers did not have your company to help people like myself I believe these kind of issues would never end. It's unfair and has really destroyed my life credit wise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed bankruptcy in 2010. I kept my home, but home equity loan was excused. Wells Fargo made me pay it, as I thought I still owed it. I was forced to retire & could no longer afford all my expenses.

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