vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my Wells Fargo Platinum credit card back in 2017 and I never opted for the over draft protection. I have accrued a lot of interest due to that.

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 2023-02-28 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: OneMain Finance Corporation
State: PA

Complaint narrative:
This should be properly investigated since I already made my repayment due to COVID for this account as agreed but this company keeps on charging fees which I never authorized and I was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: 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 explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX : The credit inquiry named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, 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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : The credit inquiry named XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, 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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX 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 as 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 2023-02-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
This debt was incurred as a result of fraudulent charges, for which I am exempt under the Zero Liability policy of Visa and Mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MS

Complaint narrative:
In the year of 2022 I informed discover that there has been a credit card that has been opened in my name as a fraudlent account, XX/XX/2022 the company opened investgation i did not receive any follow up regarding to the process, the beginning of this year in XX/XX/2022 i called the fraud department after being told that the investgator did not see any fraud on the account when i provided proof that the address is not the same i was staying on campus when the time of the account was open i was attending XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: IN

Complaint narrative:
I HAVE REACHED OUT TO XXXX XXXX THE ORIGINAL DEBT COLLECTOR WITH PROOF THAT I DO NOT OWE THIS BILL NOR WAS THE SERVICE LISTED/BILLED IN ADVANCE ALL RECEIVED COMPLETE. I AM OWED A CREDIT FROM XXXX XXXX BECAUSE THE SERVICES QUOTED ON TREATMENT WERE PRE-PAID ALTHOUGH I NEVER COMPELTED THE TREATMENT PLAN. I WAS PROMISED A CALL BACK NUJMEROUS TIMES AND IT DID NOT HAPPEN. WHEN GOING TO APPOINTMENT I TRIED TO GET INTO THE BILLING OFFICE TO SPEAK ABOUT THE DEDT AND I WAS ALWAYS TOLD THEY DID NOT HAVE TIME TO REVIEW MY ACCOUNT. I DID NOT RECEIVE A COLLECTIONS NOTICE FROM THE COLLECTION COMPANY. MY CRFEDIT SCORES WERE ALL AFFECTED AND XXXX IS THE WORS AT RESOLVING ANY CREDIT DISPUTE ISSUES. MY SCORE IS ALMOST 700 AT XXXX XXXX AND XXXX WITH BILL PAYMENTS AND DISPUTE AND YET XXXX IS SILL AT XXXX REJECTED EVERY SINGLE DISPUTE THAT WAS APPROVED AND PROVED BY THE REMAINING TWO CREDIT BUREAUS. THERE IS NO WAY A PERSON CAN CORRECT CREDIT WITH THIS COMPANY XXXX. AND THIS DEDT IS NOT OWED AND A CREDIT IS DUE ON MY ASPEN 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 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a belt from Kohls in XXXX and was told that if I signed up for a Kohls card I would receive a discount on the product. When I signed up I scanned my debit card multiple times and was under the impression that I paid for the product with my own money. I was never alerted that I had paid with the Kohls card until a late balance was due. I never received the card and had no way to log in and pay it off regardless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I help my son buy a car, it was repossessed because he did not pay, now they are asking me to pay what he did not pay. I already called n tell them I can pay {$10.00}. Per month. Im XXXX n I dont work. It was already more than 7 years ago!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT 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 as 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 2023-02-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  ACCOUNT 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 as a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NJ

Complaint narrative:
I recently pulled a copy of my consumer reports and noticed the following personal information are in error : Name, Date of Birth, Employers XXXX XXXX 1998 Self Employed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was vacationing in XXXX on XX/XX/XXXX and my phone and credit card was stolen out of my pocket while walking down the street. I closed the credit card and reported my cell phone as stolen with XXXX, XXXX, and the XXXX Police XXXX On XX/XX/XXXX I received a text message from an unknown number telling me that my phone was found and I had to log into XXXX to view it's location. After inputting my phone password I realized I had been victim of a phishing scam to access my cell phone. About 30 minutes later I check my email and got a notification from Wells Fargo that I had used XXXX to send {$1000.00} to " XXXX XXXX. '' I was able to track my call phone and it was in XXXX when the transaction occurred. Within 2 minutes I call Wells Fargo and report the fraud. They interview me and tell me they will open a case. A month goes by and I don't hear anything from Wells Fargo so I call them to get an update on the case and they tell me that my claim was denied. They said that after " conducting an investigation '' they found that it was not fraud and the transaction had been authorized. I asked how they were capable of conducting an investigation without giving me the opportunity to provide any evidence. They then sent me to a de-escalation team. I asked to appeal the case and they person I spoke to told me that there was nothing they could do and they could not reopen the case. So I hung up the phone and called again in an attempt to talk to someone new, and the new person told me that they would reopen the case and they would send a letter to me home with information on how to submit documents to aid the appeal. The letter never came. So I call again about 3 weeks later and again I was told they could not reopen the case and there was nothing they could do. So i hang up again in an attempt to get someone new and the new agent offers me an opportunity to reopen the case and gives me the fax number to submit documents to aid my claim. So I submit the location that my phone was at when the transaction occurred ( XXXX, while I was in Florida ) and the police reports I filed when my phone was stolen. It is currently XXXX weeks since I submitted these documents and Wells Fargo still has not communicated anything with me about the claim or why they continue to deny it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have an issue with a 0 % balance transfer offer from Bank of America. This is the first time I accepted a 0 % offer for a credit card that I actually use ( I actually have to use it in order to take advantage of the deals with co-branded company, in this case XXXX XXXXXXXX. ). 
After transferring, I made a purchase. I was charged some interest on this purchase. After calling in about it, I was told by Bank of America that all I needed to do was to pay off any purchases immediately, and pay the minimum balance on the card ( which is based on the balance transfer ). I was told that if I did this, the interest would be minimal. 
To my great surprise, When I booked my airline tickets, and paid the exact amount of the tickets on the card account, I was charged a total of ~ {$28.00} over two months. When I called back, the agent told me I should just avoid using the card for purchases ( again, that is not possible because I HAVE to use that card to take advantage of a yearly offer with XXXX XXXXXXXX for a {$99.00} companion fare ). 
She explained ( as did a manager when I escalated to get the interest refunded- and did not ) that even though I processed the payment the XXXX day that I charged it, the interest is based on the whole billing cycle of 30 days. 
I find this very deceptive and unintuitive, that if I am basically taking a 1-day loan from the bank, they are going to charge me one month of interest. Of course this is detailed in the fine print, but I don't read 20 pages of fine print. A regular credit card does not work this way. If you pay the balance, you don't pay interest. 
Why does Bank of America even offer a 0 % offer on a card that people " must '' use as it is a co-branded card where you need to use it to get the deals? It is basically a trap to get excess interest fees. 

Here are the related charges and interest fees as they show up on the statement : XXXX Statement ( XX/XX/XXXX ) XX/XX/XXXX : Travel insurance charge : {$79.00} XX/XX/XXXX : Payment I made ( they reflected even before the charges below ) : {$190.00} ( minimum payment for the month ) XX/XX/XXXX : Payment I made to cover the Travel insurance and Flights : {$1300.00} XX/XX/XXXX : XXXX XXXXXXXX charge : {$1100.00} XX/XX/XXXX : XXXX XXXX charge : {$150.00} XX/XX/XXXX : Interest charged ( which was refunded when I called in ) : {$3.00} XX/XX/XXXX : {$24.00} interest charge Just to make sure it's clear, I was charged a total of {$24.00} on a loan of XXXX that I actually paid off ONE DAY BEFORE it was even charged to the bank ( so in reality it wasn't even a loan as I paid it before Bank of America even sent it to 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 explanation
Consumer complaint received 2023-02-28 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: OH

Complaint narrative:
XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX XXXX {$330.00}, XXXX 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 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. 
Chapters View

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT 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 as 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