vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went through Wells Fargo dealer services to purchase a 2005 expedition XXXX XXXX they denied me for the loan and told me to get a cosigner once I got a cosigner my loan was approved however my monthly payments were extremely high because I was paying the insurance for the truck through Wells Fargo dealer services but I also have my own insurance that I was paying on it monthly and I was unaware that this was going on and once I was notified it wasn't until after the truck had been repossessed and the loan had went into default I lost my job during the long process and I asked for a hardship and they told me that they could not they do not do that and I only owe {$10000.00} on the loan.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
1. My XXXX address fails to reflect the unit # XXXX. That needs to be added. I never submitted any change to them therefore am not responsible for reporting or submitting it incorrectly. 

2. XXXX XXXX  XXXX # XXXX has an incorrect date of closing in XXXX. It was paid off in XXXX. Please see attached. 

3. XXXX # XXXX & XXXX # XXXX - both accounts are past their expiration dates. The account is not in good standing and its expiration date from date of open is XX/XX/XXXX. XXXX was purchased by XXXX and needs to be removed too. Equifax used dates of disputes for inaccurate reporting as the creditor updating the account or it looking like I made payments when I didn't. They shouldn't be legally allowed to change dates due to disputing inaccurate information as a " last reported '' or " last active '' date in an illegal attempt to leave it on past its 7 year expiration. That's what they're doing with these 2 accounts. There is no legal reason for either of these accounts to remain on my credit. 

4. XXXX # XXXX - this account is now nearing its 10 year expiration as of XX/XX/XXXX. There hasn't been any activity on this account for years. I filed a Borrower Defense claim and haven't paid on this account long before COVID hit. We won our class action lawsuit against the Board of Ed. Their contract expired after that. This account has reached its 10 year expiration and needs to be removed effective immediately per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently opened a new checking account with XXXX XXXX XXXX XXXX which allows me to view my credit score dashboard. I noticed that my closed capital one account that I paid off is still showing on my credit report with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened up a dispute with Paypal about a transaction to XXXX which I did not make. It was a charge of {$980.00} on XX/XX/XXXX. The dispute was closed in a matter of a couple minutes automatically stating the charge was not unauthorized. I contact Paypal through their chat system and was told the purchase was not covered by Paypal protection because it was an authorized payment. They went ahead and told me they can open up the dispute for a different reason which was " Never received item '' opposed to the original " unauthorized charge ''. After telling the agent to go ahead and open up the dispute with that reasoning I was alerted that the case has been resolved and closed in a matter of minutes again. I was so frustrated and did not want to spend days on the chat system again so here I am making a formal complaint against them. I have asked them for proof and documents and was told I was sent those documents through the email which is not true at all. They did not even bother with the investigation to get my money back at all judging by how fast the sealed both cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
XXXX XXXX took me to XXXX and evicted me I did not know about the creditor until it was on my credit report they did not send me a letter or email or call me

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 2023-01-22 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: Self Financial Inc.
State: MI

Complaint narrative:
This account has been closed and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NJ

Complaint narrative:
I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately.

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to XXXX XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.

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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I sent out letter 's asking to please to verify the assumed account, they just keep sending out verified. I will enclosed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Ive had a checking account with Wells Fargo for years, and apparently over the last few years he started charging me a $ XXXX monthly service fee that I have never been charged nor have I ever changed my checking account planned. When I contacted them they said that this was a fee that started and if theres nothing they can do to refund my money. They never notified me. It wasnt right. Apparently they couldnt do anything to help me so I canceled both my checking and savings account when they wouldnt refund my money or explain why they would do that to me.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
i always have the money in the bank so my payments go thru but for some reason the bank always waits til my funds are low and i have to pay the bank always so i have to pay big bucks to the bank and its hard on me bc i have go get my check and it just goes go the bank bc i owe them which i think its not fair this has been going on since ive opened my account i need this to stop or can anyone help me resolve this issue

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 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I have taken all appropriate measures as well as reaching out to all of the credit bureaus making them aware and also placing freeze holds on them. I have filed multiple reports with all of the sources, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 accounts I have to attempt to resolve. My business has also been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I sent Calvary Portfolio a validation letter asking to present all of the Original Account/Loan-Level Documentation ( OALD ), verified under oath and penalty of perjury by the opposite original transacting party in accord with the provisions set forth at 15 U.S.C. 1692g ( a ). I received a response on XX/XX/2022 without the requested documentation. 

At no time did I provided a non affiliated third party such as Calvary express authorization to utilize my personal identifying information, I also never gave prior consent to the debt collector to communicate with myself in connection with any debt. 
I feel that they are in violation if the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have contacted each person and let them know that was not me and that my name was incorrectly spelled and wrong on paperwork but they continue to call I have written to all of them that's on my credit file and let them know either wrong address wrong phone number or wrong name and they still continue to harass me I would like all them to be deleted off of my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not give these company permission to put anything on my credit report such as inquire and charge off. 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 I would like all negative 's report removes for my privacy.

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
XX/XX/23 {$24.00} XX/XX/23 {$6.00} I was charged Overdraft fees twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had an account starting in XXXXXXXX XXXX XXXX and the account got closed without my knowledge sometime in XXXXIm not sure how much money if any at all was in the account when it was closed without my knowledge.

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 2023-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Delete these accounts asap Capitol one credit cards XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: LA

Complaint narrative:
See attached documents detailing blatant violations of my consumer 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 non-monetary relief
Consumer complaint received 2023-01-22 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:
See attached documents detailing blatant violations of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reported by mail and phone calls on many occasion 's that I only have XXXX name, and XXXX address I have sent them my XXXX drivers License and proof of address and still they do not remove the wrong Information. It is unlawful to report false Information.

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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had a XXXX XXXX of XXXX with Wells Fargo. The Wells Fargo finance advisor told us that the Equity Line of Credit will not cost us anything unless we use it, however, Wells Fargo charged us {$500.00} to close the account. 

We needed to close our XXXX XXXX of XXXX account when we switched to another house insurance company in XXXX, XXXX. The new insurance company considered our XXXX XXXX XXXX XXXX offered by Wells Fargo as a XXXX against our house. Wells Fargo charged XXXX {$500.00} to close the account. 

We complained to a Wells Fargo finance advisor ( the Wells Fargo finance advisor who convinced us to establish an Equity Line of Credit with Wells Fargo left Wells Fargo ), and she told us that is the company rule to charge {$500.00} to close an Equity Line of Credit account ( which was never explained to us when we established the account. 

We ended up paying {$500.00} to close our Equity Line of Credit account with Wells Fargo in XXXX, XXXX 

This type of charge should not happen as the finance advisor never explained the account closing charge to us when he convinced us to establish the XXXX XXXX of XXXX account. He told us there will be no charge unless we use the service, and everyone establishes an XXXX XXXX of XXXX for ease of mind.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX  th and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help.

15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.

Company response to consumer: Closed with explanation