vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I had an old medical debt at XXXX XXXX XXXX in XXXX  XXXX, Kansas. They sent the debt to XXXX and XXXX. I paid it on XX/XX/XXXX. Just after XXXX, a new company called Ability Recover Services reported the same old hospital bill that I paid off as a new debt on my credit report. I disputed it with my credit reporting agencies and XXXX of them has already removed the collections from my report, but the other XXXX haven't. I've called them 3 times and can't get them to stop doing this. I just got off the phone with them AGAIN because at XXXX, I got an email that they'd put this debt back on my credit report after just getting it removed again. Now I've had enough! I don't owe this debt and I'm not about to give them money. I paid what I owe. This is illegal. They know I don't owe that debt and they keep coming after me trying to milk me out of money I don't owe. They know I'm trying to buy a house and they just destroyed any hope I have of doing that now. I want this company to get what's coming to them in the form of a fine. They shouldn't be doing this to people.

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 2023-01-23 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: VA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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 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 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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
To whom this may concern i have a debt on my credit profile that is being collected and listed for the wrong amount for years, i have made many attempts to fix this with the actual company! 

Also i gave written notice that i was being abused and my kids were afraid for their lives, My social worker gave them written notice of this. 

Trying to collect this debt and also collections it for the wrong amount is going against THE VIOLENCE AGAINST WOMEN ACT ( 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 2023-01-23 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 have attached an FTC report with inquiries I did not authorize or recognize please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
XXXX is the amount they are requesting plus fees according to associates with this law firm for a debt purchased by XXXX and handled by this law firm. Prior to purchase XXXX did not properly notify me of debt being purchased from credit XXXX, nor provided any hardship plans or repayment plans other than demanding XXXX plus fees in lawsuit for old debt The timeline for notification of this debt is them opening a lawsuit in XXXX and me finding out by looking on the XXXX court website. They made no effort to inform or work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : filing complaint on this credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company. On or Around the beginning of XX/XX/2022, I disputed several accounts on my credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Since the new year, it's only been 23 days. This company has called me over XXXX times. I get 2 calls a day from them. I have told them I do not have the money and they continue to harass me every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Apply for a modification XX/XX/XXXX and a forbearance during the pandemic XX/XX/XXXX was granted and for some reason my credit reports show no payment for XXXX months contacted Credit Bureau XXXX Mortgage Company XXXX Wells Fargo Bank XXXX XXXX where I make payments to get corrected No one responsible or can correct still shows up on my credit report no payments.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My father XXXX XXXX passed away on XX/XX/2022 from a long term illness. Upon his death, I was reviewing his accounts on Wells Fargo, and made them aware of a fraudulent transaction on his account date XX/XX/2022 when he was incapacitated for a XXXX purchase at XXXX. I asked in person at XXXX XXXX XXXX for them to investigate and received claim # XXXX and given the number XXXX to check on the details on XX/XX/XXXX. I have called on several occasions and they have told me I have no access to receive this information. This is despite me presenting all the probate information from the state of Georgia courts.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was closed because I had a joint account with my XXXX  where we sold shoes and the deposit were coming to my account they had me come into a branch location with him to verify his identity and then they still went and closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our mortgage since the beginning of our payments have always been for a total of {$780.00} Principal {$310.00} Interests {$370.00} Escrow of {$99.00} which only consist of paying XXXX insurance not property taxes which is way too high since we also have an HOA involved. 

The last time we got plumby issues in late XX/XX/2022 our insurance coverage XXXX only covered up tp {$4500.00} for over {$12000.00} of damages ( personal properties ). 

As of XX/XX/2022 They're now charging us an escrow of {$230.00} which means we are now paying a total amount of {$2800.00} a year for a XXXXXXXX XXXXXXXX XXXX XXXX home which is outrageous. Especially after the fact that they are providing us again the worse insurance possible when the dwelling and outside of the home is also covered by the XXXX. 

Well fargo is 100 % taking advantage by overcharging us for insurance.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I authorized a charge to my Capital One Credit Card ( ending in XXXX ) of {$4900.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Capital One ( XXXX XXXX XXXX ). On XX/XX/XXXX, I received a letter from Capital One stating that they credited the charge back to my account, but they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, I received another letter from Capital One stating that my dispute was rejected based on information supplied by the merchant and the charges were being reapplied to my account. They also said that I could continue my dispute by responding to the merchant 's documentation. I received this documentation XX/XX/XXXX. I provided a detailed response to Capital One which is included here as a series of attachments. These attachments detail the facts that the merchants documentation includes fabricated documents, one document includes a forgery of my signature and the hotel where the merchant claimed that I stayed has no record of me. My case was again rejected by Capital one even though my response clearly demonstrates that the merchants claims are fraudulent and without merit. All of the documents that I attached here have been provided to Capital One except for the document titled " Summary of Discussions With XXXX Supervisors '' dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( SLS ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although SLS is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Therefore, because SLS has been the designated loan servicer, I am asking that you look into the following issues :

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am trying to find out if my account from Wells Fargo was a part of the settlement for breaking federal consumer protection laws. 

I had an account from XXXX to XXXX. I have spoken to Wells Fargo today ( XXXX ) and they could not find my account number. 

Please be advise I lived at the address from XX/XX/XXXX to XX/XX/XXXX with one of the co-signers on the mortgage loan ( XXXX XXXX ). 

We were divorced in XX/XX/XXXX and I kept the house. 

Please also note that XXXX and my parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX co-signed with XXXX, but I paid the mortgage the whole time we lived at the house. 

I was not able to sign onto the original mortgage due to a past bankruptcy, but a year later in XXXX I refinanced my parents off the loan and put my name on it and this is when Wells Fargo sold my mortgage to another company. 

Please have someone look into this matter to see if XXXX XXXX ( aka XXXX XXXX ) or my parents are eligible for the proceeds of the lawsuit.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I notice that my account sometimes had been hacked and also notice that money gets taking out and I don't know why.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I don't recognize or authorize please delete

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 2023-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since the XXXX year, it's only been XXXX  days. This company has called me over XXXX times. I get XXXX calls a day from them. I have told them I do not have the money and they continue to XXXX me every day.

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 2023-01-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In XXXX of XXXX I made calls to EQUIFAX and requested some incorrect and outdated personal information be removed and they obliged helping me. I also questioned the validity and accuracy of certain accounts and information but conveyed that I would send my request for an investigation in writing through the postal service which I did and received a certified receipt for. In my dispute a copy of which is enclosed I sent 3 forms of proof of identification. a copy of my driver license and 2 updated bills with my name address and other matching information. In response to my dispute accounts ( XXXX XXXX as verified but my name is different from the name in the response to my dispute which is listed as ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX, ) the name on the file is a similar but different name so how was a reasonable investigation done to ensure my rights? Due to the fact that there is a Different name on the response EQUIFAX sent me makes the re-investigation invalid and my RIGHTS VIOLATED also violated because the address for the XXXX account in XXXX said the company had moved when I tracked my letter so an unreachable address being reported as a way to reach the creditor is false and misleading. XXXX and XXXX accounts are reporting different addresses to each consumer reporting agency the information is, in fact, inaccurate. These accounts were disputed and I have not received the requested documents that I'm due by the requirements of the law. The reporting of this innacurate information has caused severe damage to my character and is hurting my ability to obtain a home and better life for me and my children and I am forced to work much harder for longer hours because I am being misrepresented by these companies like EQUIFAX that is blatantly violating my rights as a consumer. They failed to conduct a reasonable investigation and I would like to know what accounts are associated with the incorrect name because that's the name on the updated consumer report you sent me in response to my dispute and I would like complete information for each account because a lot of information is missing such as dates of last payments, payment amounts, creditor classifications, credit limits, charge off amounts, dates closed, dates opened, term duration for installment accounts, credit limits, recent payments. I am a hard working mother who is already a victim of the Equifax data breach and now this abuse continues. civil liability is owed to me due to my federaly protected rights being continuously violated and I'm Due {$1000.00} per violation. thank you for your acknowledgement of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I dont remember exact dates but I was charged numerous overdraft fees which I believe were illegal

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 2023-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Personal Loan for {$70000.00} and only needed {$63000.00} and within five days of the loan, returned {$7000.00}. I was charged interest on it and fees. Also when I make additional payment that place it as interest, rather than towards the principal. Truly unfair practice. I send additional payments to go towards the principal, NOT the interest. 

Also, I wrote Wells Fargo, CFO, a certified letter, and the letter was resealed and returned without a response. 

Thanks, XXXX XXXX, XXXX. 
Acct # 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 monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Repeatedly calling and calling my contacts repeatedly after I've talked with them and told them my situation... the fact that I can't afford to make payments due to income changes. I've told them on several occasions to stop calling my contacts. I've lost a couple friends, got in trouble with my son in law and my landlord isn't happy about them calling her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
without notice have had bank account wiped out entirely due to funds owed to a credit card without notice or approval. 

have had holds put on cash deposits have received emails regarding extension of time to deposit money to cover overdraft fees then charged fees and items not paid

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