vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, 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 2023-01-30 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: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX, I was informed that there was a change to my credit report from XXXX XXXX Omni Financial. Ive paid my bills on time and Im unsure why the late payment is reporting. Theyre unlawfully reporting an unauthorized late payment on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX DEPART ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX DEPART ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, 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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX i deposited a check that was sent to me because i thought i sold a entertainment bar.the buyer sent me a check for $ XXXXi deposited it to my wife 's account she had at the time with wells fargo.the buyer told me to keep the {$1000.00} i was asking and to give the people that were going to pick up the bar.i deposited the check into the account and told the teller that i needed {$1400.00} back to pay the company that was picking the bar.i didn't have the amount that i needed in my account.she gave me the {$1400.00} cash without telling to that they needed to verify that the check was good.tthree days later they text me that the ckeck was no good.now i'm in debt for XXXX XXXXXXXXmy wife had passed in XXXX the year before and i didn't want to have a stain on her bank account so i called the debt department, ithink it's in oregon that i was going to send {$100.00} a month.i think it took 2 years to pay it off which i did.My complaint is they did not tell me that they would put a hold on the check to verify it was good.up to this day i think they did me wrong.i would appreciate if somebody would look into this matter.thank you very much.the conversations between me and the buyer wre done by text

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank helped me open a claim for a wire transfer in the amount of {$200000.00} usd that was NOT authorized by me. I had purchased a new phone at the time of the incident and have reason to believe my information was compromised when switching my XXXX  account. The wire was sent to a similar routing number to that of a bank I used for my personal brokerage account- however the account number was not mine. I checked my account history with the brokerage firm and was never credited for the wire dated XX/XX/XXXX which further proved it was fraudulent. I contacted the bank directly and was advised to get a wire recall through Chase. I attempted to do so and it was denied as the bank had gone XXXXXXXX. I opened a fraud claim through Chase on XX/XX/XXXX. They asked me to fill out a fraud packet which I was assured would be overnighted. They also let me know that within ten days of filling out the fraud packet, I would receive a provisional credit if the claim was not denied. By Friday XX/XX/XXXX, I had not seen the packet. I called in and was asked if the claim was for $ XXXX I said no and gave them the claim number and amount. It took them more than XXXX minutes to find the correct claim and they let me know that they could not look up my claim using the claim number- only the account number. Once they found my claim, I was told that the packet should come within XXXX days. I called back Sunday XX/XX/XXXX to ask again where the packet was. Again, they suggested the claim was for {$9000.00} usd. Once they found my claim I was then told that it can take XXXX business days and they are unable to overnight the packet. I called Monday and was told by another rep that it can take XXXX days. I asked to speak to a supervisor regarding this and he was able to fax the packet to my local branch. I went in at about XXXX pm that same day and filled out the packet. The branch XXXX faxed it to corporate for me. I called XXXX days after filling out the packet and was told the claim was under review. I called again on XX/XX/XXXX after receiving a latter dated XX/XX/XXXX stating that the claim was denied because I had initiated the transfer. I asked them to check their notes- they had asked me if I made a {$180000.00} usd transfer on XXXX XXXX which I had. They had mistakenly marked the XX/XX/XXXX transfer for {$200000.00} as being initiated by me, instead of the {$180000.00}. I offered to provide them the emails between the brokerage account and I, as well as a signed Afidvit and proof from XXXX that my phone had been changed on the dates of the wire. They have been utterly unhelpful and have blatantly used negligence when checking my claim. They have no clear system for looking up claims, poor note taking, and did not even accept the evidence I offered. How can you deny a claim without even discussing with the customer? That money was to buy my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
I would like to request a validation of debt. The Debts appear on my credit report, unbeknownst to me, and I would like a full itemized list of procedures that took place and dates of original debt. This would allow me to ( 1 ) verify the information is accurate and I received the treatments listed ( 2 ) Make sure the bills are under my name correctly, including the correct insurance information and billing address ( 3 ) collect information about the collector and the bills being collected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PNC Bank N.A.
State: TX

Complaint narrative:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to XXXX and Experian regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from XXXX / XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX addresses from Experian/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-30 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: TX

Complaint narrative:
I never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is 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 2023-01-30 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: TX

Complaint narrative:
I never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
I never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is 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 2023-01-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have lived in my house since XX/XX/XXXX purchase {$340000.00}. My princpal loan should be lower by now but my mortgage was a predatory morgage sold to me by Wells Fargo. The initial loan term was 6.75 % 30 years fixed interest only. Because the loan was predatory, we defaulted in the time of recession. When i requested for loan modification on the loan on or about XX/XX/XXXX, Wells Fargo Charged me interest of {$19000.00}, before modifying my loan. While other banks forgave debt. What Wells Fargo did to my family is causing undue fininacial hardship and the bulk of my loan is left to be paid. Although we are far advance on the 30years payment we still have high principal balance {$270000.00}. What Wells Fargo did to us is unfair and predatory. Therefore, we demand that Wells Fargo pay us back {$19000.00} with interest for selling to us predatory mortgage and we request debt forgiveness. Predatory loan mortages is a crime and should be banned from American. 

Thank you

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 2023-01-30 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I applied for and used a care credit card to receive dental work in XXXX of 2022. I was told when I signed up for the card that it had a promotional interest free period of one year and that after a year interest would begin accruing. Since that sounded fair to me I used the card to obtain partial dental services. A year later care credit charged me {$500.00} dollars as back interest. I was never explained to either in writing or in person that I would be charged " back interest '' for this. I contacted the company to see if I could pay the balance in full ( 2 days later ) since I did not understand to accept the terms that I would be charged a years worth of interest on debt that was partially paid and they declined to do so. I will be filing an action in court and with CFPB because I will not pay this illegally charged debt.

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 2023-01-30 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:
XXXX Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX Equifax Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: DISCOVER BANK
State: NJ

Complaint narrative:
A payment of {$2200.00} was made to XXXX 's Discover credit card in error in XX/XX/2022 Called and had customer service correct the error Three months later Discover put same amount of payment on XXXX XXXX  card again as a CHARGE It has been corrected twice since then - XXXX, and XXXX. 
XXXX 's credit card has been paid in full with XXXX balance for 5 months since error was correct ( second time ) - and now the charge has been placed on his card again for XXXX statement ( due XXXX ) Have called numerous times, spoken to different people, executive office, and emailed CEO with no reply. This is an error by Discover. When talking to representatives it sounds like this amount {$2200.00} was transferred somewhere but they can not tell us where and trying to charge our son for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
Transunion XXXX XXXX XXXX : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, 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 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: UT

Complaint narrative:
Hello, good day. I want to open a complaint with PNC Bank. Im originally from XXXX and I had a XXXX Dollar account with XXXX XXXX. This account was opened through the XXXX XXXX branch, but the account itself was in the USA. In XXXX I got an email from XXXX informing that my US Dollar account would be migrated to PNC Bank. I was living in XXXX at that time and was asked to validate my personal information via online or through their app, but since I was living in XXXX, I couldnt access the app or the online bank, because it was required an American phone number to be able to proceed access their platforms. Since then, I have been trying to reach out to PNC Bank to sort this out and be able to access my bank account. I contacted my account manager several times and I gave him all the required information ( official ID documents, phone number, etc. ). But still, I was not able to access my bank account. I am now living in the XXXX, in XXXX XXXX XXXX, UT I moved to XXXX this month ( XX/XX/XXXX ) and reached out to my account manager once again, so I could finally get access to my bank account. Last week ( XX/XX/XXXX ) I was contacted by my account manager and explained that I am now living in the XXXX and my plan was to close my bank account with PNC and transfer my money to my current XXXX XXXX account with XXXX XXXX XXXX. He asked me to send him an email to request the information I need to be able to access my PNC bank account, which I did on XX/XX/XXXX. Since I was not receiving any support/update from my account manager, I decided to contact the Bank Retail Support from PNC and XXXX, XX/XX/XXXX, I got a phone call from them. They informed me that they were not able to validate my personal information and I was told that I must go to a PNC branch to be able to resolve my situation. As Ive mentioned, I live in XXXX XXXX XXXX, UT and there is no PNC branch in the state of Utah. The nearest branch is in XXXX, Colorado, XXXX miles distance from where I live.

Company response to consumer: Closed with explanation