vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/2022 THERE WERE XXXX UNAUTHORIZED XXXX TRANSACTIONS THAT OCURRED FOR {$300.00} AND {$500.00} ON MY WELLS FARGO ACCOUNTS. UNDER REGULATION E THE BANK HAS THE OBLIGATION TO REFUND ME THE MONEY IF THERE WAS AN " ERROR '' THAT OCURRED. THERE WAS IN FACT AN ERROR BECAUSE I DID NOT COMMIT THESE TRANSACTIONS. I AGREED WITH THE BANK TO CLOSE MY ACCOUNTS AND OBTAIN NEW ACCOUNT NUMBERS. THEY NEVER REFUNDED ME MY XXXX DOLLARS AND TOLD ME IT WASNT A SCAM AND IM THE ONE WHO DID THE TRANSACTIONS. THESE WERE IN FACT A SCAM AND MY INFO WAS COMPROMISED. I REPORTED THE INCIDENT ASAP TO WELLS FARGO BUT THEY LOOKED THE OTHER WAY AND NEVER REFUNDED ME THE MONEY. I AM WRITING TO YOU FOR A SOLUTION BECAUSE I WANT MY MONEY BACK.IT IS NOT FAIR THAT A BANK IN WHICH YOU PUT TRUST INTO TO KEEP YOUR MONEY DOES NOT WANT TO GIVE IT BACK WHEN IN FACT IT WAS STOLEN BY A CRIMINAL. I ATTACHED THE DENIAL LETTER FROM THEM IN WHICH I DONT AGREE ON

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX payments not going through, card being declined even with funds in account. they sent me a check for XXXX in 2017 but it keeps happening since

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 2023-02-08 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: Uplift, Inc
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: AES/PHEAA
State: TX

Complaint narrative:
FedLoan reported 16 student loans to the credit bureaus as each having late payments from XXXX - XXXX of XXXX. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. FedLoan is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I inherit this mortgaged because both of my parents have passed away.. i had to submit their death certificates several times. then they kept increasing the payment until it almost tripled. i called the bank several times, they would tell me to submit death certificates again. They would transfer me from one person to another. During this time i kept paying mortgage and late fees and know one could tell me why the payment had tripled. Then through my own investigation XXXX property taxes were wrongfully access. Then i was able to get the taxes figured out. XXXX sent the overpayments back to my mortgage account. They didn't give me that money back. The bank took that money and froze my account along with other mortgage payment. i will call the bank and customer service would say they did not recieved those checks from the county. then they had the money and put the house under foreclosure. This has been a nightmare. Today i called in regards to the settlement that came out a couple of weeks ago on the news. I was transfer several times. No one had any information. Then the last person said that they will contact me if they needed to return some money.

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 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}

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 2023-02-08 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: CA

Complaint narrative:
I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}

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 2023-02-08 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: Credit Karma, LLC
State: TN

Complaint narrative:
Credit Karma said i was approved on credit cards that I applied for and was denied causing my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
The credit card in question is with Regions Bank ( headquartered in Alabama ), although my accounts with Regions are all in Louisiana. 

In the past I paid my credit card online using my Regions checking account. Now I am paying my credit card using an external bank - XXXX XXXX which has branches in many of the same states ( including LA and AL ) that Regions operates. 

Regions is holding my payment for ten days. This seems unreasonable to me, as they acknowledge they received the payment and they payments have cleared my XXXX XXXX account. This all happens in two days. The amounts are not large - {$500.00} and under. 

I have had this account for many years and have a perfect payment record with Regions.

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 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID number XXXX, who was previously a partner of the company XXXX XXXX XXXX and who sold me her 50 % of the company in XX/XX/XXXX, traveled to XXXX with premeditation and fraud to take advantage of the fact that that the company changes that were made to the XXXX XXXX XXXX XXXX XXXX  Department of State in XX/XX/XXXX had not yet been reflected and that she still remained authorized in the bank accounts while the information was updated and she was removed, and on XX/XX/XXXX, she went to a WELLS FARGO BANK branch in XXXX and transferred a total of {$65000.00} dollars to an account under her name at the XXXX  XXXX bank in XXXX XXXX and in addition to this she made a purchase for {$4000.00} dollars.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the far 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions..

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; No consumer reporting agency may take any consumer report containing any of the following items of information.Any 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 1681-2 ( 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 accurate

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the far 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions..

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; No consumer reporting agency may take any consumer report containing any of the following items of information.Any 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 1681-2 ( 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 accurate

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have reviewed my reports and I noticed that I had a collection amount due from this account, but this issue has been resolved prior. This account has also been reported as, and I did not give authorization to open this account. This account was removed months ago in XXXX. Now it is accruing interest and charging me late fees, please remove from my credit file. I assume that a consumer reporting agency must prepare maximum possible accuracy on a consumer report!

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 2023-02-08 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: FL

Complaint narrative:
XXXX XXXX XXXX  with whom I was on an e-statement basis, charged the annual fee in installments and added late fees, never advised me the charges were added - I had not used card for months and had a XXXX balance previously and NEVER late. They reported my payment as late to the bureaus. When I discovered this I contacted them, they negated all charges- if they removed the charges that is tacit agreement that they never should have been charged - and I closed my account. One of the bureaus still shows me with a balance with XXXX XXXX, there is none, and shows the card open, which it is not. 
I want the bureaus notified that I was NOT LATE- this was XXXX XXXX XXXX XXXX  fault for not sending me any indication that there was a balance due - and I want the Bureau records changed to eliminate my ever having been late. My payment record with all XXXX  accounts which I have is otherwise completely unblemished, not ONE late payment. This is completely unfair.

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 2023-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX with whom I was on an e-statement basis, charged the annual fee in installments and added late fees, never advised me the charges were added - I had not used card for months and had a 0 balance previously and NEVER late. They reported my payment as late to the bureaus. When I discovered this I contacted them, they negated all charges- if they removed the charges that is tacit agreement that they never should have been charged - and I closed my account. One of the bureaus still shows me with a balance with XXXX XXXX, there is none, and shows the card open, which it is not. 
I want the bureaus notified that I was NOT LATE- this was XXXX XXXX XXXX XXXX  fault for not sending me any indication that there was a balance due - and I want the Bureau records changed to eliminate my ever having been late. My payment record with all XXXX XXXX which I have is otherwise completely unblemished, not ONE late payment. This is completely unfair.

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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mother and my grandmother, lived in a home purchased from Wells Fargo Bank. My mother purchased the property from Wells Fargo Bank. The people who lived next door to my mother were the judge of the courts in the city my mother resided in, ( The one who did my mother 's case when Wells Fargo took my mother to Foreclosure court ), and her husband, ( A Sheriff of the same county and city ). 
They would not let my mother file for help to save the property, because the judge and her husband wanted the property for their family member, their son I believe, whom lives in the property right now, ( XX/XX/2023 ). 
They worked with the judge to put my mother out of the property so that they could purchase it for their family member, and Wells Fargo did exactly that. 
My mother deserves justice. Please all I ask is that you guys would look into this situation, please.

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 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
Company is the definition of predatory lending. I was made aware that my loan was accruing about XXXX dollars in interest a day, meaning only about XXXX dollars of my payment was going towards my principal. If my calculations are correct this would be well over the allowed 16 % in New York state.

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 2023-02-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NJ

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account 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