vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
On XX/XX/XXXX, I called my personal banker to increase my credit limit on my card to pay for a new motorcycle. I didnt need credit, I just wanted to take advantage of points offered. They needed to go through proper channels for a credit check. I had, unfortunately, voluntarily lowered my limit as I felt it was too high when I ordered a new card recently. My credit report shows an outstanding loan, without payments, for {$15000.00} plus fees, opened in XX/XX/XXXX. This was at the XXXX XXXX XXXX XXXX in XXXX Florida. I called immediately and was told that XXXX handles those accounts in recovery and he would call within 24 hours. He did not, although I left my information. I called today, XX/XX/XXXX, he was still out. I was told he couldnt reach me and left a voicemail on XX/XX/XXXX. He did not, as he was calling the party in question, who has an address in Georgia. The receptionist said that she would give him my information. I was not satisfied with that as this needs to be taken care of immediately. She then said, after asking someone else, that a packet for stolen identity would be mailed to me as that is the next step. I asked if they could just review the SS number as perhaps it was a simple error. They would not investigate without this packet, or talk to me further. I will call XXXX again tomorrow, XX/XX/XXXX. I have no debt, other than a monthly credit card bill that is paid in full.

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 2023-03-30 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: LA

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 : Liability Court US BANKRUPTCY COURT XXXXXXXX XXXX Date Filed XX/XX/2020 Reference Number : 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 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 2023-03-30 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: LA

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 : Liability Court US BANKRUPTCY COURT XXXX XXXX Date Filed XX/XX/2020 Reference Number : 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 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 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Large amount of money went in my account and came out by wire transfer. And they are holding XXXX since XX/XX/2022 2022

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, XXXX, AND EQUIFAX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} EXPERIAN, XXXX, AND XXXX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.

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 2023-03-30 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: TX

Complaint narrative:
In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a XXXXXXXX XXXX department store in XXXX, Oklahoma. When I did not receive a bill from XXXX XXXX I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving XXXXXXXX XXXX received the check and deposited it. They never credited my account. I spent literally hours on the telephone with XXXXXXXX XXXX explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process XXXX XXXX continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from XXXX 's with Equifax on XX/XX/XXXX but never received a response from Equifax. I spent nearly an hour on the phone with Equifax today with no benefit other than being cut off after speaking with two representatives. I am am retired attorney with a high net worth. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from XXXX XXXX. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: DISCOVER BANK
State: AL

Complaint narrative:
in accordance with the fair credit reporting act, the creditor ( discover ) has violated my rights under 15USC1681 section 602 states i have the right to privacy 15USC1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an. account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Balance transfer of XXXX was requested on XX/XX/XXXX from Comenity Bank Balance transfer was canceled/ stopped on XX/XX/XXXX Check was disbursed by Comenity on XX/XX/XXXX Clear XXXX XXXX XX/XX/XXXX Funds returned to Comenity Bank on XX/XX/XXXX Balance transfer fee of XXXX appeared on XX/XX/XXXX Statement Return of balance transfer of XXXX appeared on XX/XX/XXXX Statement Numerous attempts were made to have Comenity credit the fee of XXXX also the accumulated interest, that was the result of the unpaid fee of XXXX Statements have been paid in full each month, excluding fees and interest due to the unpaid balance transfer fee of XXXX Complaint was issued with XXXX and as a result Comenity issued a credit for the fee of XXXX and a partial credit of XXXX on accumulated interest, leaving a balance of XXXX in interest. Comenity issued the credit on XX/XX/XXXX. Credit posted to XX/XX/XXXX Statement, leaving an unpaid balance of XXXX in disputed interest. 
The disputed unpaid interest of XXXX generated an additional interests and fees of XXXX, a total of XXXX, as of XX/XX/XXXX Statement XXXX XXXX became the servicer of the account as of the XX/XX/XXXX Statement and XXXX XXXX has proceeded to charge XXXX in interest. 
Bringing the disputed interest and fees to XXXX Comenity indicated in their correspondence of XX/XX/XXXX : " We've reviewed the relevant telephone calls [ XX/XX/XXXX and XX/XX/XXXX ]. We found instance ( s ) where your concerns were not addressed to our standards. '' Comenity failed to stop the check before or after it was disbursed Comenity refused to acknowledge that their standards were not handled properly before XXXX  contacted them in XXXXXXXX XXXX XXXXXXXX. 
Balances on each Statement Period were due to the " disputed interest and fees '' Interest began to be charged on XX/XX/XXXX Statement, four months after dispute and two months after disputed amount appeared on the XX/XX/XXXX Statement I have been contending with Comenity from XX/XX/XXXX until now As to date, between Comenity and XXXX  XXXX the disputed interests and fees is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Two different occurrences of online banking accounts opened fraudulently with Bank of America within the last two weeks. Both accounts were active when I called to have them closed and report fraud. The bank employee instructed me to file a complaint with CFPB.

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 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
This is an over view of the events that have transpired, attached is the payment history .... there were late payments and the exact times I tried make payments may be off and the document attached is the accurate accounting of attempts to pay and actual payments made. The difficulty of the timing of these payments has cause me to not have fund available as they did not draft on the proper days, the company could not find my accounts as I was always getting payments made on time until their system failed as can be seen in the document provided.. so... for months, ( since XX/XX/XXXX ) I have been trying to pay my mortgage thru Mr. Coopers online portal. since then I have found out the the Portal was broken and was not processing my payments. found that out in XXXX. I was instructed to pay by calling in a payment. Everytime I call in a payment, the tell me is has processed and show it on the portal, but the payment does not process. I call in after 5-7 days and they tell me they cant find my account information. No out reach from them, via email or phone call to alert me of the account error. I have to call back in and make another payment, which does not get recognized in their system and when I call into to confirm, they tell me they can find my account again. I have asked them why they cant find my account as I have had the same account number for 46 years. And I have confirmed my routing number with my bank. XXXX XXXX XXXX I have tried to escalate the issue so they can explain my they cant find my account to no avail. My payments post to the website but sporadically get debited to my account, so I am now in arrears. Also been charge late fees etc which they have removed on request, but continue to assess and remove each time I try to make a payment and it fails. two times in XX/XX/XXXX, two times in XX/XX/XXXX, two times in XX/XX/XXXX, 4 times in XX/XX/XXXX and 4 times in XX/XX/XXXX. I make a payment that they say posts to my account then 7 days later they reverse the payment, and every time I call in they say they cant find my account and to erase the payment information on the site. Not they are telling me I have to pull cash out of my checking account and go to XXXX or XXXX to process a XXXX XXXX payment. It is REDICULOUS in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

XXXX XXXX, XX/XX/2022.

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 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Purchased the home of XXXX XXXX XXXX in XXXX, NC XXXX with a Wells Fargo home loan. We attempted to have the loan modified for a couple of years from 5.6 to 3.5 percent but were denied. Wells Fargo would not do a loan modification over the course of about 3 years. Wells Fargo would not return our calls while we awaited anxiously as public school teachers with little money as the State of North Carolina did not give my wife and I ( both teachers at the time ) a cost of living raise for 7 years. 
Ultimately Wells Fargo foreclosed on our home before any attempt to help reduce our payments after being in the home about 10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company XXXX XXXX XXXX ( XXXX  ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is $ XXXX, the other $ XXXX. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins aXXXX XXXX XXXX.and doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.

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