vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid more double more than I should have paid. Wells Fargo knows they opened to accounts without. A word which should be used more often. Wells Fargo is very good at " Gaslighting '' and that is exactly what they did to me. When I was at my lowest point in my life, the loan officer, XXXX XXXX knew it. She just told me to sign sign and sign even when I asked questions and gave me inconclusive answer on the structure of the HELOC. Because she gained my trust and I believed. her. Every answer I received from Wells Fargo employees were just as confused as me. 


They did not respond to my last inquiry regarding mediation and to finalize the part where it was XXXX to Wells Fargo. They informed me they will contact me, there was an initial contact and then I never heard from them again. Even though they informed me they will finalize and settle this account due to their wrong doing of having 2 account numbers and without disclosing to me proper procedures I want this case to be finalized and where they reimburse me the amount I paid to them to close my HELOC so I do not lose my home. 

They can reimburse me the amount I paid them, minus the XXXX they paid to me to settle one of the complaints I made against. them. 

Wells Fargo should swallow their pride and know their wrongdoing and reimburse me {$61000.00} ( XXXX XXXX XXXX dollars ). 

This is in good faith from Wells Fargo to XXXX. XXXX XXXX XXXX. 

There are dirty employees who will lie, steal and cheat and sorry that Wells Fargo had to incorporate these employees into their system so they would not fear of losing their job and meet their quota. 

Honesty and Trust is far greater than greed and being number one.

I will be waiting to hear from Wells Fargo to finalize the mistrust and " Gaslighting '' they imposed on me and my mental status. 

Wells Fargo truly hurt me financially and mentally and that is far greater than physical. 



.

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 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I disputed this medical collection from XXXX XXXX XXXX account number XXXX, which was not suppose to be showing on my credit report due to HIPAA privacy rules which I stated in my letters to the reporting agencies. Furthermore, the time frame for responding to my disputes has not been met, and I need this removed. 

In addition to that, I would like this account to be removed as well from CCS Collections account number XXXX due to HIPAA Privacy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, Opened a credit card with Capital One a few months ago. I charged and made payments earlier then the due date. Most paid in full. They just closed my account and reported so my credit score went down. Called them 5 times and will not give me a reason why the account was closed. Only that it is in the terms that we can close any account for any reason. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-05-20 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a few more letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2022-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Comerica
State: NV

Complaint narrative:
I need to speak to you XXXX. the company of direct express has caused me XXXX XXXX XXXX every month to verify my account I int with no cellular phone now becoming homeless it's all their problem from not sending me my card but to cancel my account hospitalized from loss after loss pain n suffering my experience was not acceptable XXXX there must be a XXXX times no money sent bk to me the cardholder no availability to receive missing XXXX XXXX at a time disputes nor are repayed no XXXX money paid put my funds on my card I will have my lawyer contact u hundred of time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
LCI did not complete investigation of my Bankruptcy that was sent to them in XX/XX/2022. In fact, on XX/XX/XXXX they requested 60 more days to investigate ( which I do not give permission ). under Federal law it is my right to have investigations completed within 30 days or have the tradeline deleted if this is not completed. as of today, the public record Bankruptcy is still showing on my credit file.

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 2022-05-20 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:
I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, EXPERIAN AND XXXX ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( my bank ) withdrew {$1000.00} and {$1100.00} putting my account in the negative. I was told it was due to duplicate deposits from two previous paychecks made out to me with my address on them dating XX/XX/XXXX and XX/XX/XXXX. Both checks I had already mobile deposited into my account on XX/XX/XXXX and XX/XX/XXXX. Both checks are from my employer and my employer uses XXXX XXXX XXXX XXXX  and those checks were issued to me. Later I was told that someone had gotten a hold of those physical check and attempted to deposit them. This person was not successful for the first check XX/XX/XXXX {$1000.00} therefore BOA had given me those funds. The second check was successfully deposited to the check thief in the amount of {$1100.00} check date XX/XX/XXXX. This check was deposited by a male. The check I had already mobile deposited therefore it already had my signature on it. This male deposited this check at a BOA with his name, which is not legal since the check had MY name and MY signature on them. BOA is refusing to give me my money. I am the victim of fraud and BOA has not replaced my funds after they accepted my check with my name and signature from a man under his name. I am enduring financial hardship because of this and am close to losing my housing. I am begging for some kind of help. I have already filed a police report and the investigator is on the case and also advised me to report to the FDIC and CFPB. Please help 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 2022-05-20 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

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 2022-05-20 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: TX

Complaint narrative:
The bank has been lenient on solving my dispute they never asked for additional document but yet said they solved my problem, my claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-20 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: FL

Complaint narrative:
Transunion had received my letter with giving instructions to delete false information. My privacy as been violated by Transunion for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so Transunion had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).

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 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened and funded my checking account for {$50000.00} with Citi on XX/XX/2022, for the advertised {$700.00} new account bonus. Terms stated that the balance must be maintained more than 60 days to get the {$700.00} bonus. I was only awarded a {$300.00} bonus after maintaining the balance for XXXX  days.

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 2022-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I sent my pay-off check to Nissian on XX/XX/XXXX by XXXX  for my XXXX XXXXXXXX XXXX XXXX. They received the payoff check on XX/XX/XXXX @ around XXXX XXXX and signed for the check. Its now XX/XX/XXXX and the loan is still not showing paid off. Which in turn now is going to make me 30 days past due and will now affect my credit score/report showing I was 30 days past due. ive called them numerous times asking about the account and why it has not been paid off and I get no answers but theyre showing that they received the check and sign for. It shouldnt take more then 10 Business days to process it because when you get a payoff quote its only good for 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: TX

Complaint narrative:
This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXXXXXX XXXX XXXXXXXX # 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 2022-05-20 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: TX

Complaint narrative:
Filing a complaint against TransUnion. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my right.

15usc 1681 section 602 states i have. the right to privacy.

15usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late For a purpose.

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