vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: MO

Complaint narrative:
XXXX/XXXX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

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 2023-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
On XX/XX/2022, the trustee on my bankruptcy case was sent {$68000.00} in order to pay my way out of bankruptcy BY LAW, which included my student loans. There was no other way to get out of my bankruptcy ( other than paying the monthly fee for the allotted amount of time I was ordered to be in the bankruptcy ). 

I have received no phone calls, no emails, and no letter correspondence saying I still owe money ( because it was supposed to be paid off ), and I had NO idea I was back in repayment. Navient has now reported a missed payment on my credit report, and theyre saying I owe {$3100.00}. Again, this is not possible because I PAID OFF MY BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-31 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-31 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The complaint further alleges that Credit Acceptance is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans, and taking unreasonable advantage of consumers inability to protect their interests in selecting or using Credit Acceptances loans. They are consistently changing my loan from open to closed and will not remove from my credit I struggled with homelessness during Covid and then moved to Florida to get hurricane Ian they have been reporting my account as open for years negatively impacting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I have called more than XXXX  times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} XXXX paid since XX/XX/XXXX. XXXX XXXX dollars! 
Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes XXXX business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the XXXX funds that have been submitted by XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
So much of my time has been spent on this issue. I have all the correspondence needed that if looked at in chronological order would be sent as evidence with no disputes. 

This was my message to Wellsfargo customer service and then forwarded to the board of directors listed email. 

Please someone help if you can! 

Almost XXXX months of being the liaison between XXXX and Wellsfargo. XXXX years of being a customer. Not a customer with a lot of money or a financial portfolio that would add to your institution but nevertheless a customer. 

How in the world $ XXXX dollars with multiple pieces of hard copy evidence where I was scammed through an electronic payment via wellsfargo debit card but can not get resolution is hard to understand. Im still negative in my checking account since the provisional credit was taken away. I still have all the documentation including the one where XXXX stated the case was won in my favor and credited back per my financial institution and a lot of other hard copy facts to hand in to whoever will be looking into this case. 

The damages of a bad checking account balance are endless. My livelihood, employment background and availability to have standing with another financial institution is being affected. 

Im in XXXX XXXX, XXXX willing will graduate this year, work XXXX jobs and plan to have a very stable financial future ASAP. 

The most sad part about this whole situation is that the amount in question that I was scammed out of was for a deposit on a rental to quietly and safely move to for protection from an abusive living environment. 

I will be reaching out just like I have been to solve this matter. I cant possibly be the only XXXX in the world dealing with an issue like this. I could have easily given the home owner/scammer cash if I wanted to flush money down the toilet but I didnt, I used a debit card linked to a XXXX for safety and a paper trail for validity.

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 2023-01-31 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: EQUIFAX, INC.
State: PA

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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX. 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.

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: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 
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 DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing this record because I believe it to be inaccurate. Please request evidence of this unresolved outstanding negative record from these banks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX XXXX, I received notification from my credit card company that I had a fraudulent charge for {$3.00} from the " XXXX XXXX XXXX '' company. 
I never bought anything from the " XXXX XXXX XXXX '' company. The company name and credit card charge I never made. 
XXXX XXXX XXXX XXXX XXXX$3.00} credit card charge by " XXXX XXXX XXXXXXXX XXXX was made during the time I was sleeping -When I woke up and saw the fraudulent charge, I locked the card at XXXX XXXX on XX/XX/2023 -on XX/XX/2023 XXXX XXXX, the " XXXX XXXX XXXX '' tried to use my card again for {$4.00} ( the card was locked few minutes earlier, so the charge did not go through )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Bank of America saying I had activated the Direct Deposit feature on my credit card, not knowing what it was about I called Bank of America on the XX/XX/XXXX and told them I had not activated anything. The woman I spoke to said she would flag the account and watch for any suspicious activity. 
On XX/XX/XXXX my card was charged {$9200.00} plus {$360.00} transaction fee for a direct deposit going to XXXX XXXX to cover overdraft charges on my XXXX XXXX  account. 
On XX/XX/XXXX I called Bank of America and filed a fraud claim and they reversed the charges. 
On XX/XX/XXXX I received a message from Bank of America that they had denied the claim and had charged me again for the {$9200.00} but not the transaction fee. 
On XX/XX/XXXX l called them again to complain and was told they would send me all the information they had on the claim. As of today Ive not received that information. 
On XX/XX/XXXX I called their Fraud Department again and was told that the routing number for XXXX XXXX was XXXX and the account number ended in XXXX. I have never had any dealings on any kind with XXXX XXXX, so I called XXXX and was told there was no account in my name. I was thinking maybe someone had stolen my identity and opened an account in my name, this appears not to be the case. 
I have tried everything I know how to convince Bank of America I dont owe this {$9200.00} charge but so far it has been to no avail, hopefully you can help. 
The Fraud Claim number is XXXX. I can scan my credit card statements and send them to you if you need them. Thank you 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 monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Too many to list. Wells Fargo continues to engage in unfair banking practices against small businesses. They continually XXXX holds on funds and then offer to allow you to overdraw your account against funds on hold but will charge you a {$35.00} overdraft fee. Then they claim your paper deposit checks are placed on hold because you have too many overdraft fees. It's a vicious cycle that they continue because they make money on each overdraft. It basically amounts to high interest loans they are charging for you to get your own money that they XXXX holds on. Plus they play a shell game constantly with deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. This is a practice that Wells Fargo has been doing for ever. I have been a customer with them for XXXX  years both personal and business and if I were to add everything up over the XXXX period they would likely owe mXXXX XXXX XXXX XXXX XXXX XXXX  of dollars in money they stole from myself and my business. Wells Fargo deserves more than a fine. Someone should go to jail!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have been submitting to get correct information put in place for account but now they showing account open with a balance. The account was put into Bankruptcy. I have started receiving bills from them now. The amount keeps increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX gift card XXXX XXXX loaded on it bought XXXX XXXX  XXXX card. Instantly the website is hard to log in the call center call drops after the options. Later that evening I was able to log in. And see a purchase that I did not make of XXXX from an unknown vendor. 6 : hrs later and 130 min wait time I was able to put a hold on the card and was told the pending charges were gon na be dropped by the vendor and 10 days I would be credited. 15 days I call the center hold. No record of my complaint was told to check my gmail for a complaint form it was never sent. I believe that securespend is a clandestine company with a made to confuse web log in. And a call center also difficult and they are counting on you loosing patience and not getting your money back. I would like to know why " XXXX  '' is such the opposite of secure. I needed that XXXX XXXX I still do and would like it back.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 informationisinaccurate.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have made several attempts with the agency to delete addresses and Names that do not belong to me. I have given them my proper Name and address and it seems that experience continues to report an accuracies on my credit report. These and accuracies jeopardize my credit worthiness and any future and accuracies can hinder me from pursuing forward in life. 
I have recently tried to attempt to have these inaccuracies removed and I received an email from them a couple of days ago saying that it seems that it was not for me and they will not make any changes to my credit report I've worn them on several occasions. In my recent attempt I even notified them that I will be taking them to court to sue them and still they refuse the honor my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
XX/XX/2023 I initiated a consumer credit transaction with XXXX. I received an " Conditional Approval '' stating that I had to put {$4700.00} down. Truth in Lending ( 15 USC 1602 ) defines credit as the right granted by a creditor. Creditor defined in Truth in Lending is a natural person and am a natural person. Further more it is illegal to require a down payment that's a violation of 15 USC 1662. This is unjust enrichment because I the consumer extended credit and did benefit from it and that is deprivation of my rights which means they have the criminal law 18 USC 242.

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 2023-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
This collection is stemming from me living and renting from XXXX on XXXX at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. This bill is for {$2700.00}. On XX/XX/XXXX, I emailed XXXX XXXX, XXXX to let her know I was moving out and gave her 30 day notice. At this time, I was living there month to month with no lease. Under Kentucky 's Uniform Residential Landlord and Tenant law, month-to-month leases must be terminated with a 30 day written notice of termination. She did email me back and advised it is still 60 days per the lease, I had no lease at this time. 

I will agree, with the bill that I do owe some ancillary charges of cleaning, replacement of screen and blind, but certainly not for XX/XX/XXXX rent. I will pay {$390.00} to XXXXXXXX XXXX XXXX XXXXXXXX if this is taken out of collection, if not I will involve my lawyer. 

Please respond to me, so that I may take care of this as soon as possible XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation