vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
there is a bankruptcy that is not mine and TransUnion will not remove it. i never filed for bankruptcy in Arkansas. I filed another complaint previously with the CFPB and TransUnion responded that they do not have a credit report which in fact they do have it listed on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2019

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
FCRA Violation: name and address not mine
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

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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


FCRA Violation: Collection not mine
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting charge off/ and in collection account when if it is a charge off it is taxable income and credit report are not supposed to report income

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: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Had a home loan with Wells Fargo in XXXX but had declared bankruptcy. House was sold but Wells Fargo would not close on the sale until all equity in the home was used to pay interest fees on house. Went into bankruptcy in XX/XX/XXXX and house was sold in late XX/XX/XXXX but could not close until XXXX, XXXX because Wells Fargo held up the sale.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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 SXXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I have called this Columbia Debt Recovery and they said I lived at XXXX XXXX ast a resident. I have lived in XXXX at the same address for the last 15 years. I can prove this I also worked at the same job for the last 5 when they say I was living at this apartmet complex.the amount owed is {$8.00} XXXX it list 's my name as XXXX XXXX XXXX I have not been XXXX XXXX for 30 years, I have been divored from XXXX XXXX for 30 years. The person that lived at this complex at this time was my son, I was called and asked could I be an emergency contact, I was never send any mail in XXXX telling me there was an evection or money owed. I called Columbia Debt Recovery and asked them to e-mail me documents with my signaure on them and they have not done so yet. I filled a dispute with experian also. I do not know how this can be my debt when they are saying I was a resident when I was not, I was just a emergency contact, someone in the leasing office lied or mislead paperwork. This is false information, I never lived there, I CAN PROVE THAT, I NEVER RECEIVED MAIL THERE, I CAN PROVE THAT, I NEVER HAD A KEY TO THIS APARTMENT. HOW CAN I BE HELD LIABLE FOR THIS? I HAVE GOTTEN NO PAPER WORK FROM ANYONE. I JUST MOVED TO ARIZONA A YEAR AN A HALF AGO WITH MY HUSBAND, I WANT THIS REMOVED.

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 with inquiries I didn't authorize or recognize 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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I received an alert from a credit report stating I had potentially negative activity. After looking into it, I found an account from BC Services. I have never been contacted by BC Services, not by phone, email, or mail, so have no idea what this charge could be. I contacted the company that BC Services was supposedly collecting for, and they were able to tell me that my balance had been paid in full. Additionally, I do believe that by law, it is required to receive notice that debt is being transferred to a collector, which I never received. At this point, I was pretty sure this was at least an error, but gave them some benefit of the doubt. I called BC Services to solve the situation and they immediately asked for my social security number. I declined, and they claimed they were unable to help me as a result. Throughout the phone call spoke to 3 customer service agents each becoming more and more rude, providing me no information at all, eventually hanging up on me. At this point, I am fairly certain this is a scamming operation. Very perturbed that this has gone so far as to impact my credit score, especially after no communication whatsoever from " BC Services ''.

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: OH

Complaint narrative:
I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi, I recently came across an article regarding Wells Fargo and how they defrauded consumers regarding their mortgage and I wanted to make sure my foreclosure ( case ) was included. 

I purchased a home in XXXX of XXXX in the city of XXXX Texas and Wells Fargo was who handled my loan a few years later I lost my job and was unable to make my payments. About XXXX  months later I returned to work and contacted Wells Fargo to work with me on a modification to my mortgage. They refused to work with me and told me my only option was to pay the overdue amount in full which was greater than XXXX} at that time. Unable to come up with that sun of money I had no option but to leave my home and Wells Fargo foreclosed on my home. 

Needless to say I had to suffer the aftermath of having a foreclosure on my credit for years and unable to buy a new home. 

Now with the news of Wells Fargo being found guilty of malpractice I feel like I was a direct visit run of these practices. Please see if I am due any monies due to their handling of my mortgage account. 

Please note I no longer live at this home and this account was foreclosed on in XXXX. I no longer have the loan or account number. I can provide my social security number if needed. I did provide the home address so I simple search should locate this account. 

For any additional info please contact me. 

Thank you for your time!

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, Equifax and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXXL on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and Experian to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was charged {$41.00} as interest. 
When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... 
I don't think I owe amex {$41.00} as I never received a bill

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: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a new Citi Bank checking account online XX/XX/2022. It was opened online and the banker informed me via phone that if I maintained above XXXX for XXXX days, I would recieve a XXXX bonus. I have maintained balance of XXXX since then. I have called Citi bank customer service XXXX times to resolve the problem. I get a different answer each time. The last customer service rep created a dispute ticket and said I would get an email notification the next day on status of dispute but have not recieved XXXX and that was XXXX weeks ago. 

Here is copy of email, I recieved on XX/XX/2022 after I opened checking account. 
Thank you for enrolling in the New to Citi Checking Cash Bonus Offer Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. 

As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your XXXX checking account within XXXX  days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account for XXXX days from the XXXX day after account opening. * Balance XXXX Cash BonusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more {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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently opened a new credit card and didn't realize that my limit was low. I called the company to request a higher limit. I did not understand that they were going to do a hard check of my credit and now it is showing as negative on my credit report.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with inquires I didn't authorize or recognize

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: TX

Complaint narrative:
I received a call from a gentlemen on Friday the XXXX. He stated he was calling in regards to the complaint I filed on the XXXX of XX/XX/XXXX. I answered everything adequately and when I was asked my Date of birth l, I responded with what is my DOB- XXXX. He stated he did not have that on the system. He checked again and kept asking me for a diff date. I have banked with Wells Fargo since XXXX. I only have one DOB. I believe they are trying to place or find excuses for their mistake earlier this month of not allowing me to access my funds and paying my negative amounts to them and/ or use my own funds/ money. Blaming my employer and stating I could not know the reason the check was mot allowed for me to be used by myself. Now, my question is how can one possibly have an account for so long and have a diff date of birth on file all of a sudden, as to what they are supposed to have on the system and has never seemed to be different in any other call or scenario? I have banked with them since XXXX. Have always showed my drivers license which clearly states XX/XX/XXXX. He sounded very nervous when questioned and would not give me any more information but then further asked for my address. I no longer felt comfortable with the call so I proceeded to state Id place another complaint. They are trying to find ways of covering their negligence. I no longer want to bank with Wells Fargo and will be closing my account. If this in fact is not my acct or they have wrong information then I suppose them sending me to collections when not even 30 days had passed of me being negative on my acct is complete negligence and unfair to say the least. The whole situation is a mess and I would like for them to fix it. He stated nervously I should visit a branch in person. I replied I had no reason to keep wasting my time and efforts on fixing issues they have clearly composed themselves.

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 — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This is for Complaint XXXX XXXX AMEX Gift card case. 
A check was suppose to be refunded to us for {$59000.00} from AMEX for all the Fraudulent gift cards that was sold to us. The check came but it got returned by our bank stating the check AMEX sent to us was a Fraud check. We still do NOT have payment from AMEX.

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: Experian Information Solutions 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 explanation
Consumer complaint received 2023-01-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX of my checking accounts was the victim of repeated fraudulent withdrawals. Therefore, I asked that the account be closed and advised that no further withdrawals should be made from the closed account. The account was closed, at least I was told that it was closed. About XXXX weeks after it was closed a check written on the closed account was presented. Instead of rejecting the check, Wells Fargo took money out of my new replacement account. The transaction was fraudulent. i reported this on Friday XX/XX/XXXX. I have been to my branch XXXX  about it. i have spoke to the branch XXXX or XXXX more times. I have been told that the fraud department is investigating and will contact me within XXXX hours. I have not been contacted by anyone.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX has failed to refund my payments during the COVID payment pause. I requested the refund XX/XX/XXXX and was told my refund was processing. I called again XX/XX/XXXX and was informed the refund is still in processing. It is now XX/XX/XXXX and I haven't received a refund or further contact from FedLoan. From XX/XX/XXXX through XX/XX/XXXX, I made {$1700.00} in payments. My loans have now been transferred to XXXX and a request has been submitted to XXXX for a refund.

Company response to consumer: Closed with explanation