vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
Took out a loan with river valley loans and it's interest rates are XXXX % which at the time i didn't realize that that interest amount is illegal in my state or XXXX I absolutely can not afford the payments on this loan. Again it is also illegal in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: NY

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.

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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2024, I wrote to you asking that you look into some things that I thought were fraudulent, wrong, or reporting lies. Up to this point, the only answer I've gotten was a computer-generated letter telling me that you have stopped looking into my credit reports because you think I used a credit repair service. I think this is not only a way for you to hold off responding to my original request for another 30 days, but it is also a clear violation of the FCRA.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/24 i made a call to GM Financial to make my car payment. The women over the phone took my account information down and put it into her computer. She said the payment was made and we hung up. I have a confirmation from GM on their website saying the payment was made. Today I get a notification from XXXX saying that I am delinquent more than 30 days. I called GM and spoke to XXXX he told me the woman I gave my info to put it in wrong and the payment wasnt made. I said well why didnt you contact me? No one called texted or emailed. I asked him to remove that report from the XXXX credit bureaus, he said he couldnt because the payment was more that 24 days after the due date. His supervisor was supposed to call me back and never did. I have reported this to the credit bureaus today. 

GM should not be able to do this they had a responsibility to contact me to tell me they put the information in wrong. Can you please help I have uploaded a picture of my account stating payment was made on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Was trying to invest money with a company that turned out to be a scam.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I opened a business bank account with PNC on XX/XX/2023. 

When I was in the process of opening my account, I had to deal with three different individuals in order to complete the process. Two of them were in the office with me and at one point there was a sales person on the phone whom I had to speak to as well. These individuals sold me a UPIC that would attach to my bank and told me that I would be able to take this UPIC to any bank in the future if I decided to leave PNC. 

Fast-forward a year, and I've had so many problems with PNC I decided it was time to leave. It takes nearly 6 months to resolve any sort of dispute, while other places I bank at only take 30 days max. Most of the time resolving them within 10 business days. But nope not PNC.I 'm still waiting on a XXXX transaction to be disputed properly as money was sent to someone I don't even know and yet PNC has done nothing to help me get my money back. 

Because of all of this, I tried numerous times to reach out to their Treasury department to figure out how I can transfer my UPIC and every person I've called ( I'm sure they will have the recordings ) told me that it can't be done. 

FInally, I was able to reach the sales lady, XXXX XXXX who sold me the UPIC and she informed me that I would need to reach out to the third party that manages them in order to transfer it. Now, the problem is that that third party is NEVER AVAILABLE TO SPEAK TO. You can't get a hold of them whatsoever, and no one at PNC seems to be taking responsibility for this. 

I paid for something that I have zero way to manage and was given the impression that it was easy to use and easy to switch banks with if needed. This is not true.

I believe that if you are going to sell me a product you should have all of the information necessary to manage it, and you should inform all of your employees how to use it. It's common sense. But no, not for PNC. They completely misrepresented the product in order to get me to purchase it and have an account with them.

They've been impossible to communicate with as they only want to meet with me in person or on the phone where I have no control over what's being said and this is again, not ok!

I want my disputes resolved properly and I want out of this bank. I am looking into suing for all of the emotional distress this has put me under as well as misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: IL

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 CT IL XXXX # XXXX has violated my rights. 

XXXX5 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

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
Was contacted by a collection agency trying to collect a false debt. The amounts are false/fraudulent trying to be collected from a company that I never signed a contract with and that I was not involved with. The charges are fraud/false and the collection agency would not provide anything or any contracts with my signature. I do not have a contract nor do I own the property they are saying the work was done on. The company trying to claim the debt has bankrupted and there has been lawsuit after lawsuit against them for fraud and a warrant out for the owners arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
Hello, Relay Financial closed my account with little to no information as to why. I have a balance of {$22000.00} that I need they said they would send me a check. I honestly don't trust them. I can give more details later but my main concern is them actually sending me this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I went into the Wells Fargo customer portal to increase our monthly loan repayment by {$320.00} from XXXX to {$1400.00}. I logged into the portal and established this new payment amount to be auto-paid monthly from my checking account. I have always had auto-pay set up since I purchased this apartment. 

In XXXX of XXXX, I receive a notification in the mail that payments had not been happening and that if I did not remedy this, the apartment would go into foreclosure. This was the first notification I had received about the payment issues. I had received neither mail nor phone calls nor digital communications ( email ) about this issue, and there was no alert messages in the Wells Fargo portal to notify me of this issue. As soon as I received this letter I immediately called Wells Fargo and paid the overdue balance ( some {$7000.00} ) and asked what had happened. 

They claimed with zero proof that I had not set up recurring payments. This made no sense to me as I already had a recurring monthly payment established I was simply increasing the payment per month. I have always paid my monthly mortgage on time for YEARS and it makes no sense that I would increase a payment to only default on the following months of payment. I asked them why they had not reached out to be prior and they had no response. I asked them to look into the issue from a technical error issue and they never followed up. 

This event is now impacting my credit report and I've spoken with Wells Fargo about helping me remedy this issue, but they say they can't do anything. I 100 % believe that this is an issue with Wells Fargo 's website and customer portal.

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 2024-03-01 00:00:00
Product: Credit reporting 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: CA

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. 

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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
XXXX account was open in my name last XXXX in Alabama and I dont have XXXX!! I have XXXX and I live in XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am writing in reference to the response received regarding Complaint XXXX. In your response, it is stated that I, XXXX XXXX, entered into a loan agreement on XX/XX/year>, agreeing to make 26 payments of {$67.00}. However, I want to reiterate that I have never entered into any agreement with Mariner Finance. Despite my requests, the company has failed to provide the original contract bearing my signature, a fundamental piece of evidence to substantiate such a claim. Moreover, I have explicitly asked for copies of my identification on file, including my ID and Social Security card, which are typically required for any legitimate financial transaction. To date, Mariner Finance has not presented any such documentation, further raising concerns about the legitimacy of this alleged debt. Despite my efforts to seek resolution and clarity, Mariner Finance continues to report this disputed debt to the credit reporting agencies. This ongoing disregard for my rights as a consumer and the lack of transparency in providing essential documentation are clear violations of the FCRA and potentially involve illegal and deceptive practices. Given the circumstances and the lack of cooperation in providing necessary documentation, I feel compelled to inform you that I will be proceeding with legal action against Mariner Finance to address these violations. I have diligently documented our interactions, and this letter serves as a formal notice of my intent to seek legal remedies. I urge Mariner Finance to reconsider its stance on this matter, provide the requested documentation promptly, and cease reporting the disputed debt to credit reporting agencies. I believe in fair and ethical business practices, and I trust that a resolution can be reached before escalating this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
I received two prepaid cards from my place of employment. I lost the cards during a move. Now that I've found the cards it appears they are outside the expiration date of XX/XX/23. I attempted to have the company reissue cards with the remaining balance and was told the cards are expired and funds no longer available. One card had XXXX dollars and was never used and the other card originally had XXXX dollars and I'm unsure of the remaining balance on it. Can prepaid cards could expire and funds be confiscated?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I received a copy of my credit report from Experian on XX/XX/XXXX which reports a closed account with XXXX XXXX opened on XX/XX/XXXX and status updated XX/XX/XXXX. I called the contact info included in the report and the representative was not able to find the account in the records of XXXX XXXX with my social security number attached and the account number search also yielded no results. I was then given the number to the credit bureau department and they could not find any record for this account number or my social security number. I thin called to the general customer service and got the same response. They have no record of this account in their system.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
A collection for {$4700.00} by national credit adjust was placed on my credit. I never took out a loan for this amount or used the company that sold the collection which was XXXX XXXX. I have disputed this account several time to no results.

Company response to consumer: Closed with explanation