vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to TransUnion regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I do no have any bills so I will send for proof of my Identity my social and Identification card that has my current address listed and this should suffice for proof.

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 2022-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
When my mortgage was set up through XXXX XXXX XXXX  It was for a XXXX loan with insurance coming out of escrow. 
At some point after that u.s Bank bought my mortgage from them and when that happened u.s Bank failed to properly set up the insurance payments to my insurance company which forced them to cancel my policy after 4 months of non-payment. I was only made aware of this when I received a letter from US Bank telling me that they had purchased a homeowners insurance policy in my name for well over double what my other policy was. Now my mortgage payment has gone from aprox XXXX to over XXXX dollars. Because my escrow account went well over {$2000.00} in the negative when they set up this new policy. I went to US Bank in person and sat down with someone a month ago they helped me type up a letter and send it to US Bank 's department that deals with the situation. That was XX/XX/XXXX. I have not heard anything back. Be it mail or phone.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: SC

Complaint narrative:
US Bank keeps sending me unsolicited emails, spamming me of all kinds of offers and advertisements that I have absolutely no interest in. Also, their email doesn't contain an unsubscription link. This is very intrusive.

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 2022-04-15 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer 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 2022-04-15 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: GA

Complaint narrative:
I submitted several letters to correct items that are not mine i.e student loans listed twice accounts that I did not sign for

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATIONAL CREDIT SYSTEM Original creditor : VXXXX XXXX  XXXXXXXX XXXX {$3500.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection I have spoken with this company and was told they would send me proof of this contract as I am not aware of this collection and this needs to be removed from my credit report and have not received a written response over 30 days as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I presently have a Wells Fargo Free Checking account ( ending in XXXX ). The stipulation when I opened this account is that it is free checking as long as I have direct deposit from my employer. I have maintained this requirement to date. On XX/XX/XXXX and XX/XX/XXXX I was charged a NEW {$12.00} Monthly Service Fee. I reached out to Wells Fargo and explained this fee is in error as I have FREE CHECKING per the arrangement in writing upon opening my account. On XX/XX/XXXX, Wells Fargo opened CASE ID number XXXX. On XX/XX/XXXX, Wells Fargo refunded {$3.00} for XX/XX/XXXX and another {$3.00} for XX/XX/XXXX. They did not refund the entire fee which was unjustly charged. At this time, I am owed {$18.00} from Wells Fargo for unsubstantiated Monthly Service fees.

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 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance to the fair credit reporting XXXX XXXX AT XXXX XXXX HAS VIOLATED MY PRIVACY RIGHT AND IS REPORTING INCORRECT INFORMATION ON MY EXPERIAN RENTAL BUREAU 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i XXXX my wife, XXXX XXXX ; it did not get posted I contacted Wells Fargo for the return of my funds they said they could not post for 2 days this is my money ; I want back 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 explanation
Consumer complaint received 2022-04-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I would like to file a complaint against Toyota Motor Company and XXXX XXXX. For several months I have been trying to get this issue resolved. Toyota refuses to speak to me and XXXX XXXX just keeps telling me that " Our client says the information is correct ''. Which is false. 

I had a vehicle financed through Toyota that was deemed a total loss in 2020. My insurance ( XXXX ) paid them the FULL value of the vehicle and the remaining balance was covered by XXXX. Toyota alleges that the full balance was not covered by XXXX. So, I contacted XXXX myself and asked them why there would be any balance left over. They assured me that the full balance should have been covered and that there was no reason any balance would be remaining. EVEN if I had extensions on the account because these would have been COVERED DUE TO THE PANDEMIC. 
Therefore, the balance Toyota is alleging I owe. I incorrect and it is thievery. Toyota in total has received well over the value of the vehicle and well over my original loan amount. At this point, they are being greedy and I wont allow it.

IN ADDITION, they are reporting this inaccurately to credit bureaus. They
are reporting this as a REPO which is again, FALSE. They are also reporting me as the only and sole owner of this account which is FALSE. My father, XXXX XXXX ( who is now deceased ) Was the account holder and I was a CO-SIGNER. 

Lastly, they gave me TEN DAYS notice to pay this before reporting it to my credit as a bad debt. 

I will take legal action if this is not resolved. 

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TN

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 that I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX , has violated my rights including the following : 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer 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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from XXXX XXXX today XX/XX/2022. I have notified XXXX XXXX XXXX, XXXX several times that the account they purchased from Capital One Bank ( USA ) N.A. is not my account. I have attached the letter that they sent me today along with the letter I received from Capital One Bank. The letter from Capital One Bank clearly states that " Capital One Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX, XXXX IS BREAKING THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This number or different numbers from the same company pro collect keep calling me and asking for a XXXX XXXX which is not me. They keep leaving very aggressively toned almost to the point of yelling voice messages which are quite demanding for immediate call backs. This is not the number for XXXX XXXX. Ive told this company multiple times and its not the right number. Ive personally on the cell phone number for close to 20 years so Im not sure why they would think this is some random persons number. I am a XXXX  and its gotten to the point where I can not answer unknown phone calls despite being on call and it possibly being another XXXX  or another XXXX  about a XXXX  because it is quite nerve-racking to answer one of these calls. Its always inflammatory despite me not being 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
Consumer complaint received 2022-04-15 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: FL

Complaint narrative:
Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they never sent to me any information letting me know anything regarding the account. On XX/XX/XXXX I resent a dispute by mail to Equifax regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Equifax data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 TRANSUNION FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 XXXX FRAUDLENT INQUIRY

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 2022-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
in accordance to the fair credit reporting act bank of america has violated my 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 explanation
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Reference Number 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 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have provied them 5 times the proof of insurance but still bank when a hed and they fet there insurance and bill me for the paymaent i did paid 2 payment but still bamk has reported in my credit report as a Delinquent account.

Can you please HELP me with probalm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have never had any relation to this company. Someone must have given them my number as I have never had any business with this company.

Company response to consumer: Closed with explanation