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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dont know whos at fault here, companies in question is TransUnion and XXXX XXXX XXXX. First off I disputed a late payment on my XXXX  card from XXXX of 2022, contacted XXXX  to dispute it received a dispute number of XXXX with XXXX XXXX on XXXX of 2022. Fast forward to XXXX resolution was all negative information will be deleted. Awesome, I thought. On the week of XX/XX/XXXX the late payment finally came off on all three bureaus, fast forward to XX/XX/XXXX I get a notification that my score dropped on TransUnion I was like what could it be? Boom, the late payment was back on my report from XXXX of 2022 on XXXX XXXX XXXX and only on TransUnion, it made a huge impact on my score right as I was about to do a credit application for a vehicle, due to my wife totaling a vehicle are you serious? XXXX points down on my score, dont know if this was TransUnions fault or XXXX XXXX XXXX for not updating my account successfully. Really bad practice someones credit score should be a thing to mess around with it is someones way to get a car or a roof that goes over your head come on guys hold someone accountable and please fix this!!!! 
If the creditor fixed the issue of a late payment on a consumers account and TransUnion fixed it why in the world would they reverse it again a few days later impacting my score even more!!! Come on TransUnion.

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 — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX  complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through XXXX XX/XX/22 for XXXX bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.

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: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
This has been a 15 year process with a loan modification with XXXX. My original loan was for $ XXXX they agreed to modified it for {$200000.00} a 15 year loan to a 30 yr. loan.

I never had the opportunity to get equity. Before covid, they transfer my loan to Carrington, but Carrington foreclosed the house even though we have a written statement that the foreclosure was moved a month because of the litigation process. XXXX and XXXX is now evicting me. I am attaching documents that I would like your office to review them. 
Thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 - Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX 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 XXXXXXXX All these accounts have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, EXPERIAN has violated my rights.

15 USC 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 On XXXX i sent a certified letter to experian requesting them to respect my privacy. 
experian responded with they verified the accounts were mine. I did not ask experian to verify account. I asked experian to remove accounts they furnished and shared without my written or oral consent. I request experian to send me a notorized letter stating I gave experian permission to share information. Experain failed to send me documents

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Credit Union
State: WA

Complaint narrative:
For XXXX XXXX XXXX loan. 
Alaska USA Federal Credit Union. 

I called XXXX to get a payoff amount to pay it off. Person gave me an amount but I could not pay it via XXXX their payment system and she said she would do it. She gave me amount of XXXX. She said it was more than today 's amount owing because it would take a few days to process. I said OK. 

XXXX I called again because nothing taken from my bank account for payment. i was told the previous person " screwed up '' and it wasn't processed. They then said they would process the amount which at that time was now reported as XXXX by employee # XXXX XXXX. Request # XXXX XXXX Still nothing taken from my account. Spoke to XXXX, employee # XXXX. She assured me she'd take care of it and also it would be the proper payoff of XXXX. 
On XXXX the amount of XXXX was taken from my account. However, now my account is open and showing {$26.00} due by XXXX. Therefore, my car not paid off and not reported as paid. i have no title to the vehicle either. They planning on holding my title now until more money than previous balance paid or XXXX? this is absurd. 

I have tried calling them a total of 6 times to straighten this out. Everytime I get the runaround and empty promises. I want this showing paid off and my car title as I am entitled to!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
XXXX Called FBCS to determine what the letter I received from my grandmother was about. They did not have my current mailing address on file. They actually had an address from 7 years ago on file and not my current name. 

I asked for them to verify the debt by mailing proof of the promissory note. The agent insisted on me emailing them first to give them permission to email me back. I said I would prefer written correspondence to be sent via mail, not electronically. He continued well, maam you can print off a hard copy yourself when you receive the email from us. 

He then proceeded to ask for my grandmothers phone number to which I replied I am not obliged to offer her number to anyone at this time. He replied oh we have several numbers on file to reach her at. That is not ok in my book. If theres a debt with me, reach out to me. Do not involve or threaten to reach out to my grandmother. 

I called XXXX XXXX XXXX and they do not have any recollection of a student loan taken out in my name/my grandmothers name for the amount they proposed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo called me Friday XXXX about transactions that look wrong. They were. We cancelled my atm card and they were going to issue a new one that would be sent fed ex in 1-3 business days. On Monday, I had XXXX transactions on my account with a different atm card ( that I had not received yet ) that they approved... XXXX were cash and XXXX was XXXX XXXX. totaling over {$1400.00} even though I had not signed off on a new card from fedex or would have even received it and then travel over 2000 miles away to Florida to do XXXX atm withdraws. They are stating that even though it is their error. I must wait XXXX business days for them to investigate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never applied for this XXXX {$5000.00} credit card. Account # on my report 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 {$5000.00} credit card. Account # on my report 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 {$5000.00} credit card. Account # on my report 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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX cancel debt and account must be remove from credit reports there no more debt owed so there is no account to be reported

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
I was fined because BSI couldn't be bothered to deposit my check. Every check in my sequence was deposited by all vendors by XXXX, they didn't deposit the check until XX/XX/20 and fined me {$63.00}

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am challenging Equifax 's results regarding the dispute for account XXXXXXXX XXXX XXXX. Equifax notified me that the account was verified but they failed to explain their method of validation. I am having a hard time believing that Equifax did an investigation at all. I am now filing a complaint with the XXXX because this is false reporting and I have notified Equifax of the inaccurate reporting. I also provided proof that I indeed made the payment on time. I will attach the billing error letter along with the proof that a payment was made. Equifax did not provide the name of whom verified the account or any documentation that would allude that this account is reporting correctly. I am demanding that Equifax delete the late payment and update the account to paid as agreed, never late. I do know that Equifax is violating many FCRA regulations and if this is not handled in a timely manner, I will be seeking legal action and compensation of {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
XXXX XXXX, 2023 I was denied credit to finance a vehicle at XXXX XXXX. I was told I had to put a down payment of {$8700.00} down. when according to 15 U.S Code 1662. that is illegal in a consumer credit transaction. i do have video as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX  has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX failed to Promplty report an issue with my Auto Loan account, No one within the branch location could provide reasoning as to why my payment increased {$75.00} a month, This difference in payment amount has been in dispute since XX/XX/2022. Reasoning has finally been revealed on XX/XX/2022 only after a late payment has been reported XX/XX/2022 which violates 12 CFR 1026.13, I have been told by a XXXX XXXX Representative to " Pay the balance and we'll deal any disputed amount later '' on XX/XX/2022. 

XXXX XXXX has then attempted to solidify their case by sending notices via email on XX/XX/2022, which has never been sent to the correct address on file. Please review the attached documentation to better prove my case.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On the day of XX/XX/2023, A letter from a Debt Collection Agency called : Caine & Weiner falsely engineered in the amount of {$760.00} has arrived through my private postal service mailbox. Amount is in the positive amount as if they are claiming to owe a credit to me, yet want someone to send them money for no reason. This debt collector is using a name similar to mine which is identity theft. seeking payment though a mailbox without the proper accounting is racketeering. 

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and Caine & Weiner wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt.

3. A signed contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus. 
4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of the contract and the paperwork for the sum purchased and any transactions binding my name.

5. Show me of a license to operate in the territory and state of texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Called Bank of America on XX/XX/23 to report fraud. They will not close the account and even sent a statement to the fraudulent address

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
In XXXX I was had a XXXX minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this phoenix finacial service send e this letter telling me that my account was bought by XXXX XXXX XXXX XXXX who never contacted me for anything, and precisely this company has placed the account under collection with phoenix financialservices. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX cancel debt and account must be remove from credit reports there no more debt owed so there is no account to be reported

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX cancel debt and account must be remove from credit reports there no more debt owed so there is no account to be reported

Company response to consumer: Closed with explanation