vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.

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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX  and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been in constant communication with XXXX about the continuous defamation of character. There have been multiple disputes, a cease and desist and and notice to cure sent to this organization. The company has fictitiously reported an alleged debt in the amount of {$380.00} to the XXXX XXXX and the credit reporting agencies on my behalf. As a consumer my privacy and rights were willfully violated. There was an admission of breaching my privacy by XXXX XXXX The first erroneous statement is that, he stated I had an alleged translation in the amount of XXXX. He claimed it caused my account to be overdrawn XXXX. Although the amount reported is less. This is confirmation this is an error and attempt to coerce me into making an unnecessary payment. This error has caused me to be denied my basic rights. This fictious charge off is coming up on every occasion. I have been denied a safe and sufficient place over my sons head. This nightmare is hunting me. It has caused my mental health to decline.

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 2022-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Funds fraudulently withdrawn from savings XXXX Amount XXXX $ in branch. 

Claim opened XXXX Claim denied Requested investigator contact me. 
Promised investigator would contact 2 business days never did Claim opened again XX/XX/XXXX Claim denied XX/XX/XXXX Requested investigator contact me. 
Promised investigator would contact 2 business days never did In branch visit with manager claim re opened XXXX also set up a elevated complaint with bank internal system Claim denied Promised investigator would contact 2 business days never did XX/XX/XXXX received email from resolutions department. Stating that claim is closed. Called resolutions. Promised investigator would contact 2 business days never did. 

I was not even in the same state when withdrawal was made.

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 2022-12-02 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: NV

Complaint narrative:
EXPERIAN IS CREATING FINANCIAL INJURY. THEY ARE REPORTING A FALSE AND INACCURATE SCORE OF A ( 4 ) TO MY ACCOUNT. I AM HAVING ISSUES GETTING HOUSING BECAUSE OF THIS. I ALSO AM HAVING ISSUES RECEVING A CREDIT CARD. I'M BEING DISCRIMINATED AND VIOLATED TERRIBLY. WILL TAKE TO COURT IF ALL HARD INQURIES ARE NOT REMOVED AND I RECEIVE A SCORE OF XXXX AND BETTER. 

SUCCUSSFULLY COMPLETED IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
My Toyota XXXX was totaled in XX/XX/2022. I contacted Toyota financial about my dent and ding policy to cancel it and I was told I had to go to the dealership. I dont live in the same city as the dealership so I attempted to call but there was no way to get a live person on the phone. I then sent an email to the CEO of the company and was contacted by his executive assistant a month later. She stated that Toyota financial wanted a signed letter with some requested information and it could only come from me. I sent them a fax on XX/XX/XXXX. I have yet to hear from them or receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXXXXXX XXXX  XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from Experian  and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX  % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somebody run my credit for credit card application which is i did not do, the credit card is from Bank of America, I got an allert from my bank that someone run my credit, Can you help me fix that problem Thanks

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 2022-12-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXXXXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, XXXX has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, XXXX has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. XXXX 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since 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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Due date is on XX/XX/XXXX assessed a late fee on XX/XX/XXXX. Logged back in and they stated I was wrong and they changed the date of the late fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NV

Complaint narrative:
EXPERIAN IS CREATING FINANCIAL INJURY. THEY ARE REPORTING A FALSE AND INACCURATE SCORE OF A ( XXXX ) TO MY ACCOUNT. I AM HAVING ISSUES GETTING HOUSING BECAUSE OF THIS. I ALSO AM HAVING ISSUES RECEVING A CREDIT CARD. I'M BEING DISCRIMINATED AND VIOLATED TERRIBLY. WILL TAKE TO COURT IF ALL HARD INQURIES ARE NOT REMOVED AND I RECEIVE A SCORE OF XXXX AND BETTER. 

SUCCUSSFULLY COMPLETED IDENTITY THEFT 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 2022-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: NC

Complaint narrative:
debt was sold to a third party who then harassed me for payments by postal mail and calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was notified on XX/XX/XXXX of a pending legal matter related to a Citibank card ( XXXX XXXX store credit card ) opened in my name in XXXX. I did not open this account. I contacted the notifying legal party this was fraudulent, then called the police and reported the same to them. They recommended checking my credit report, which I did through XXXX, XXXX, and XXXX. I did not find the account on any of the reports but did place a credit watch on my account. I also contacted the vendor direct as I was suspicious it was not a valid debt and was told the account had been reported as fraudulent. I was transferred to their account recovery team who told me they were unable to see additional details on the account and I would need to call back in 5 days so they could request access. This account is over XXXX XXXX XXXX and was fraudulent from the start.

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY XXXX XXXX FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. HAD TO RETURN TO XXXX XXXX AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY XXXX XXXX AND WELLS FARGO. XXXX COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM XXXX  AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE XXXX  ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD. 2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER. 3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX BANK FALSE CLAIMED TO HAVE SETTLED CLAIM BY PAYMENT OF {$60.00} BUT THAT IS NOT TRUE. SEE PRIOR CFPB CLAIM NO. XXXX AND COMPANY RESPONSE. 

ONLY RECIEVED HALF OF THE MONETARY RELIEF. 

WELLS FARGO OWES ME ANOTHER {$30.00}

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 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
My previous lender sold my mortgage to Rushmore and I have never felt so threatened by a mortgage servicer in my life. It is constant harassment about my payment even during grace periods. When I try to pay online they make me call my payment in. Problem is I am stuck on hold for over an hour. I work a lot and their business hours seem to change. I will call and they will be closed or keep me on hold til they close. One month I was late because they closed early??? Why cant I pay online? Its almost like they are doing it on purpose. Also my previous lender adjusted my escrow for next year prior to them transferring it. Rushmore adjusted it again for the same year so now my payment is going up another {$250.00}. I tried to get an explanation but the rep was zero help and incredibly rude. I hate dealing with this company. It creates constant stress and I feel like they are using predatory practices. I have to watch my statements every month, my credit report, and now they are sending me certified mail. Im never home to receive it so I get these dreaded notices. Its panic inducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Financial Business and Consumer Solutions.
State: PA

Complaint narrative:
I have contacted XXXXXXXX XXXX about account they are reporting as a chargeoff on my credit file but they said they dont have the account and referred me to XXXX XXXX XXXX XXXX XXXX tells me they dont have the account and I should contact FBCS. I contacted FBCS and they dont have the account and referred me back to XXXXXXXX XXXX who still insist they dont have the account. This missing account is reporting monthly as a charge off and no one can provide me any information on the file. I am trying to get a mortgage and this account is preventing me from doing so. I have been getting the run around from all three companies on this account since XX/XX/XXXX 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 2022-12-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I discovered an unauthorized purchase later XXXX. The order was placed on XXXX on XX/XX/XXXX. 

I had called my bank for this unauthorized order. I was given credit to my bank. However a few weeks pass by and the bank gave me a chargeback for " XXXX ''. 

I contacted XXXX and they are trying to give me a refund but can't process since chase bank took over. Chase claims that the items were " shipped '' but there is no tracking number on chase claims or XXXX. I am stuck with XXXX $ from XXXX XXXX. 
XXXX said contact my bank. My bank says contact XXXX. XXXX has nothing on statements. 

I also got an email from XXXX saying they were suppose to issue me a refund for unauthorized purchsse but the seller contacted XXXX  and kept the XXXX XXXX XXXX froze my account. ( XXXX XXXX transaction found can not dispute ) Fast forward to the end of the month and chase still denies my claim/refund. 

I have not recieved a single item from this order. Nor chase or XXXX can help me out. 

1.unauthorized order placed.

2. Notified my bank 3. Credit was given to my bank 4. 2-3weeks later i get a chargeback from ebay.

5. The seller never shipped the items and kept the XXXX $ when im stuck with XXXX $ XXXX XXXX items. The bank claims that i have gotten the sellers merchandise. XXXX has nothing to track. 

Dispute number from XXXX ( helping me ) XXXX Nothing from chase. Just denied help from their customer support service. 

The same day i filed an unauthorized charge the seller from XXXX filed his aswell with XXXX 

There is zero reason why chase gave back the money and both are denying a refund. I have been struggling these past 2 months because of this XXXX order of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have attached in my letters have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than XXXX XXXX 

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I have been having over-and-over a report placed on my credit report as a collection for {$1300.00}. I contact the credit bureaus and they re directly to contact them. Which I do so and I contact XXXX XXXX XXXX and request the actual application signed by me at the time I supposedly enter the emergency room or some type of documentation with my signature on it and they failed to provide it, instead, they sent one 's again the bill only without any information that proves that I did in fact obtain XXXX XXXX. I contact them several times and no resolution, instead, they were hostile toward me and told me I will be sued. I demand them to provide the information and they fail. 
This is hurting me and causing me a great deal of stress unnecessary. Someone needs to take action against this type of collector trying to collect money from people fraudulently, threateningly, and with hostile verbal abuse.

Company response to consumer: Closed with non-monetary relief