vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian keep reporting 2 inaccurate address and they wont remove the address in question. and not only is it hurting me but its being sent to the credit card companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
The fact that Wells Fargo closed 6 open complaints all on one day. Leads me to believe if I had the scanned information that was able to be seen, they would not have been able to close 6 complaints all on the same day and the same time. Previously being told the complaints had been sent to the department that disbursements come from. We went from being told by XXXX XXXX They are being decided upon to their immediate closure. It was only when I began looking at the scanned documents did I realize they were unable to be seen. How is it they are all closed yet we are still receiving notifications from Wells Fargo needing more time? Im filing more complaints with the documents scanned are now able to be seen.

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 2023-07-12 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:
There are XXXX incorrect fraudulent accounts in my report. I have sent many disputes to Experian and they ignore it, violating my rights.

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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
They keep calling my phone and asking for people XXXX XXXX knows debt. When Ive told them multiple times I dont know these people and to stop calling but the keep calling from different numbers trying to make me pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: GA

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 : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
Received a letter in the mail that our home doesnt have a home insurance policy So bsi financial services added a XXXX dollar policy that they want paid off in the next XXXX  months so my payments have gone up drastically even though weve had continuous home insurance coverage through our HOA since we closed on the mortgage, the previous mortgage company had this info and when they sold our mortgage to bsi back in XX/XX/XXXX they told me that I dont need to do anything and they see my policy. Fast forward to last month and I received a letter that they added a XXXX dollar policy and Ive tried sending countless times now my declarations page showing the home is indeed covered and they refuse to accept it, XX/XX/XXXX I sent an email to bsi insurance email I was given by bsi rep with my insurance declarations page attached, shortly after that email was sent I received a automated email from bsi that they received my email and it will take no more than 5 business days to get this updated, it is now XX/XX/XXXX, more than 5 business days and they tell me they havent received it and that I need to email them it again and itll again take 5 business days to take care of, I went to the website portal and tried multiple times on different dates with screen shots trying to upload the declarations page and the page has errors multiple times on different days so this isnt an isolated issue, Ive also given bsi my insurance policy info and they refuse to take it from me and contact my insurance policy they want me to get my hoa to contact them, Ive tried to set this up but they tell me they havent heard back. At this point I feel scammed and as if they are just trying to upcharge me their made up insurance policy and refusing to address this serious issue as Im doing everything on my part to take care of this issue so Im not being charged for something I dont need which is what bsi is currently doing. Ive called multiple times since XX/XX/XXXX and again today XX/XX/XXXX and the service reps havent seen anything come in yet via email even though Ive sent over XXXX emails with the attached declarations page to the email they provided me starting XX/XX/XXXX up to including today, and their insurance document website portal never works and the reps over the phone refuse to help me. I want this resolved asap as I deserve this and not to feel scammed by bsi.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: OH

Complaint narrative:
I Have Received several calls from True Accord ( Collection Agency ) Not Stating Who They was Collecting For. They stated they wanted a Debt Paid in My Name i Stated do not call me again and ENDED the Call This has happened Several Times This past week I received a email stating the Same And that they Updated my Payment History I do not have a checking nor a savings Acct I Replied Back about ID Theft and the FRCA laws and Stated to not CONTACT ME AGAIN This Company Violated ME A Consumer and My Rights with 15 USC CODE 1681 15USC Code 1692b .1692c 1692e 1692f 15 USC Code 1681 MY CONSUMER RIGHTS WAS VIOLATED BY THIS DEBT COLLECTING COMPANY I SUBMITTED THE EMAIL TO THIS COMPANY THAT I RECEIVED FROM TRUE ACCORD

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX, XXXX, XXXX I had a business account with my company named, XXXX XXXX XXXX XXXX, Florida at Bank of America. Everytime I used my ATM card to buy lunch for my employees, and cleaning supplies, I would get an overdraft fee of {$35.00}. And sometimes it would add up a {$400.00} overdraft fee. I would walk in Bank of American and tell the bank manager that I keep getting a {$400.00} overdraft per week in my business account. Sometimes the lady would take off the {$400.00} overdraft or she take half the amount off. The bank took my money and never replaced it to my account.

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 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: WA

Complaint narrative:
On XX/XX/2022, I shopped at XXXX XXXX  located @ XXXX XXXX XXXX XXXX, XXXX, WA for bedrooms sets. We were greeted by a polite individual by the name of XXXX who kindly showed us sets of interest. After choosing 2 different sets, and a full size, and standard king, XXXX sat me down at a work station, and advised my total purchase was {$3100.00}. XXXX stated they had in house financing available, and asked for personal information to plug into his computer. After providing him with my ssn, birthdate, ect, he stated I was approved for financing of {$3500.00} to cover the sets I chose. XXXX stated the Financing was through XXXX XXXX. XXXX also stated American First Finance was offering a 90 day interest free deal if the loan is paid within 90 days. 
My bedroom sets were scheduled for delivery in XX/XX/2022. Per XXXX, weekly payments of {$92.00} would not begin until the furniture had been delivered. Never once during my visit in the store was I made aware of the interest rates associated with this loan. It was after my visit to the furniture store, I was emailed loan documents directly from American First Finance which reflected a shocking 148 % interest rate. If not paid within 90 days, the total cost of the loan would be well over $ XXXX. Too date, I have paid American First Finance almost {$3200.00}, and according to their website, I still owe {$3000.00}. I feel like this loan is extremely predatory, and consumers should be made aware of the interest rates, and repercussions of not paying within 90 days, prior to signing the loan. American First Finance should be contacting unknowing consumers to confirm they understand responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
The mortgage statements with this complaint shows Wells Fargo using XXXX different states. XXXX XXXX XXXX XXXX XXXX The statement XXXX from XXXX show the XXXX accidental death insurance, thXXXX XXXX XXXX doesnt. The payment amount is XXXX on both statements. The XXXX on the XXXX statement is completely different then the XXXX and XXXX fees on the XXXX statements.

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 2023-07-12 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: LA

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX reported a false balance on an account. XXXX never made contact saying there was any debt owed. Collection agency said they were the third company to receive the debt but we never received anything from the first two companies. I wrote them a letter and explained it to them they did not care first two people I spoke with were absolutely RUDE! The last one was very nice. This collection dropped my score XXXX points and I wasnt aware until one month before about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was having a financial hardship and was not able to pay my fee which was {$30.00} in the month of XXXX on time with Comenity capital bank/ Children place rewards card. I spoke with an employee there and they told me the late record would be taken off my credit report on all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-12 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: MO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citi official informed on XXXX, XXXX, that they are working on the transfer, and within XXXXXXXX XXXX, of the notification, the account will be credited. 

On XX/XX/XXXX, a Citi official sent another email to inform me that the transfer will be {>= $1,000,000} if I pay {$3800.00} which I refused to pay.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
XXXX You are reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights. 

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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX I visited the Wells Fargo XXXX XXXX XXXX & XXXX XXXX  in XXXX XXXX Pennsylvania XXXX My purpose for this visit was to submit XXXX savings  Bonds for redemption and deposit directly to my savings account at Wells Fargo. I was greeted by someone named XXXX. I submitted to her about XXXX savings certificates for calculating and processing. XXXX separated the bonds for counting and proceeded to input the interest and total value of each bond. When she finished the first larger batch she indicated for me to put my debit card into slot for processing to savings account. Which I did.. She repeated the process for the small amount of bonds ( about XXXX or XXXX ) and again asked me to submit my card so funds could be deposited to my savings. At no time did any cash exchange hands. At my request I asked for a receipt which she gave me. 
I assumed I would receive XXXX form on site but she told me that would be mailed to me-which it was about XXXX  months later. While comparing what was processed at the bank and what XXXX indicated I was very surprised and dismayed that there was a vast difference. The amount shown on the receipt XXXX had given me on the premises resembled nothng of what was on the XXXX statement. 
XXXXreceipt indicated that about XXXX bonds as " checks '' XXXXreceipt indicated that teller had entered XXXX bonds were of the same amount ( exactly ) XXXXreceipt inidcated at least XXXX bonds with the same amount ( exactly ) XXXX receipt indicated XXXX CASH paid to customer ( as stated, at no time did any funds exchange hands! yet XXXX listed " loose currency '' as {$2400.00} in XXXX dollar billsXXXX {$50.00} bill, ( XXXX ) XXXX bill and ( XXXX ) XXXX bill. As stated NO FUNDS Exchanged hands.-there was NO CASH ENTRY on my part. I was led to believe I was signing/depositng via debit card because of the redeemed cash values presented via bonds. I receved XXXX indication that interest on bonds was {$1500.00} and XXXX. However peculiar because the added " treasury note is listed total as XXXX which is only the interest paid out and not what was actually redeemed! As a XXXX  year consumer of Wells ( and it's prior names ) I am concerned about the documentation of : XXXXcalculations of submitted savings bonds XXXX entries made on my savings account for that period XXXX, the validty of the received XXXX XXXX the integrity of the person who handled transactions XXXX outcome of my income tax Sadly there is another occurence of this nature. I await for a plausible, truthful reply and/or corrections if necessary! 
Thank you in advance for refrring this to correct official.

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 2023-07-12 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$630.00}. 
XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, 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 explanation