vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-05-08 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: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-05-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent the request in letters to BARCLAYS BANK DELAWARE with regard to the method of verification and proof of documentation, but they failed to provide the documents requested. I find this company fraudulently charging amounts that I am not liable to pay. I highly demand that this fraudulent account should be removed immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Financial LLC
State: DE

Complaint narrative:
On XX/XX/XXXX Loan Till Payday took two unauthorized payments from my account, in the amount of {$220.00} and a second payment in the amount of {$74.00}. I have reached out and spoke with XXXX XXXX on multiple occasions an di Have asked her to reverse the charges but I have received no response in regards to reversing the unauthorized charges. Prior to this, XXXX XXXX has charged my account multiple times without my approval. I have photo proof of this that I have provided to loan till payday and XXXX advised me through email, that someone else in the company made the unauthorized charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I paid off my loan with Goodleap LLC in the amount of {$14000.00} on XXXX XXXX 2023 however, my bank sent the wire transfer to Goodleap for {>= $1,000,000}, an overage of {$94000.00}. The excess amount was meant for another mortgage company. Its XXXX XXXX 2023 today and Goodleap LLC promised to return the overage within 14 to 30 days. Its 30 days plus and still no return of funds. 
I spoke with Goodleap on numerous occassions, they will not transfer me to the appropriate department. They told me they would wire transfer back to my bank, My bank XXXX XXXX  sent them wire instructions for return transfer. Still the funds have not been returned. 
XXXX XXXX was the last person I spoke with XXXX XXXX, she informed me there would be no wire transfer, and that now a check would be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Between XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX, XXXX USD from my Wells Fargo account to fraudulent investment firm ( 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 2023-05-08 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: OH

Complaint narrative:
On XX/XX/XXXX, XXXX reported to Experian that there were missed payments on XXXX of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with XXXX remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with XXXX or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with Experian and XXXX to notify them of this error. Experian suggested that I open a dispute. On XX/XX/XXXX, Experian closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the XXXX representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the Experian dispute is closed. 

On XX/XX/XXXX, I called XXXX to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, XXXX has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Not notified of mortage being sold from previos lender making me late and or behind a month in payments and now charging late fees on or about in between XXXX to end of XX/XX/2022 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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2023, I visited Hunting Bank in XXXX MI to close my checking account due to fraudulent activity. I am a XXXX person & my only source of income is social security. These funds are directly deposited into my account on the XXXX of every month. Because of this, I was concerned that the deposit would reject, so I was advised to keep the old account open for deposits only & close the account once the funds hit the account. I opened a new account that very day, provided my license, my college ID, my medical card & a debit card from another institution to confirm my identity. 

Most of my bills are setup with online banking & auto pay. My auto loan is scheduled for auto pay on the XXXX of every month. On XX/XX/2023, my social security hit the old account & I went to transfer those funds to the new account & close the old account. I made an online payment to the merchant to withdraw on XX/XX/XXXX from the new checking account. The merchant contacted me stating that the payment rejected due to a hold on the account. The new account had a balance of {$1200.00} on XX/XX/XXXX & the amount I attempted to pay was {$140.00}. The merchant attempted to repeat the withdraw on XX/XX/XXXX & it was again rejected. It was then & only then that I was informed additional ID was needed to verify my identity, which was now causing a hold on the new account as well. I withdrew the funds from the new account to pay merchants via money order. 

Huntington Bank is refusing to take responsibility for this mishap claiming they were unaware of the hold on the new account. My account with the merchant became past due & late fees & interest was accrued. When I contacted the financial institution for an explanation, I was informed that my identity had not been confirmed. When I questioned how could the new account be opened for over a week without the proper documentation being submitted. No one in the branch can tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After trying to reach a company I made a purchase to in the amount of {$1100.00}, and since they didn't respond to me in over a month, I decided to dispute the charge. Capital One asked me for all the documentation and I submitted everything they asked me for over and over again. I also called Capital One almost every day to ask them if there's anything else they needed from me. If there was I gave it to them. They found I was right in my dispute the first time and removed the charge from my card. However, because the supposedly company in question ( they company in question went bankrupt and sold to an outside party while I was waiting the 11 months for me chair therefore couldn't be the same company ) sent them a paper saying the product was delivered they charged it back to me. Of course it was, I never disputed that. The issue was it was incorrect. Built wrong. This chair is as the website describes supposed to be XXXX. However, it's XXXX. I gave Capital One all the pictures, measurements, paperwork, receipts, text messages where I tried to get them to call me asap, etc. I gave them everything they asked me for not once, but twice since they charged it back to my card and made me jump through hoops again and resubmit all my documents again for the second time. Which I did and also called them every day to see if there was anything else they needed. I was assured they had everything. Then I get a letter on XX/XX/2023 saying I had not given them everything they asked for. Therefore I called to see what was happening. They actually told me I needed a second opinion. They wanted me, a XXXX yr old woman who'd had 2 XXXX XXXX with XXXX to rent a truck, hire a mover, load the chair up, take it to a manufacture and let them measure it, write Capital One a letter on their letterhead saying it's built incorrectly. That is beyond ludicris. I gave them pictures of the measurements, I have supplied documents of what the measurements where supposed to be, I gave them everything to show this chair is incorrect. I am Capital One 's customer and they should be looking out for my best interest, not the people who are trying to take advantage of me by making me pay for something they know is wrong and won't return my calls or text or contact me whatsoever. I've submitted over 30 documents to prove my case and they make it out like I'm some kind of criminal because I refuse to pay for something that's not what I ordered. I've never in my life disputed anything and I see why people don't. These credit card companies make the customer out to be the villain and take the side of the person who's doing wrong. 
My case number with Capital One is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the Fair Credit Reorting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
A XXXX XXXX I disputed is still on XXXX reporting agencies. XXXX was the only one who removed the collection by Enhanced Recovery Company and the date opened on my reports dont match the paperwork they send to me to prove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Credit Reporting Crime Wells Fargo Credit Card Fraud Department Purposely reported incorrect and incriminating information to the XXXXhree major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my WF accounts my wife and I decided to leave WF for a new bank. This was after more than 25 years with Wells Fargo of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable anxiety in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. WFs fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX  envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer zero. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than XXXX points on all major bureaus. I called XXXX immediately and they identified the cause as a report from Wells Fargo Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from severe anxiety  and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.

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 2023-05-08 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you today to bring to your attention a serious matter regarding improper credit reporting shown by Experian from XXXX XXXX XXXX XXXX. I have discovered that Experian has marked multiple charge-offs at incorrect dates, and has failed to mark the closed date of my account even after a dispute investigation. This is not fair or accurate under the law, and it is having a derogatory impact on my ability to access credit and other financial services. 

The inaccurate credit reporting shown by Experian from XXXX XXXX XXXX XXXX is causing me significant distress, as it is making it extremely difficult for me to obtain credit cards, a home loan, and even unemployment benefits. Despite having paid and settled and paid on XX/XX/XXXX, multiple charge-offs are still appearing on my payment history, which is affecting my credit score and making it difficult for me to secure credit. The first charge-off should be marked for XX/XX/XXXX and this should be the only marked charge of on the credit report but Experian has not yet fixed this issue even after they request a dispute. 

As a consumer, I am protected by the Fair Credit Reporting Act, which requires that credit reporting agencies provide accurate information about my credit history. The inaccurate information that XXXX XXXX XXXX XXXX is reporting is a clear violation of this law, and it is having a detrimental impact on my financial wellbeing. 

I urge you to investigate this matter and take appropriate action to ensure that Experian is held accountable for their improper credit reporting practices. I also request that my credit report be updated to accurately reflect the payment and settlement of my account, as well as the correct charge-off dates. 

Thank you for your attention to this matter.

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