vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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: NY

Complaint narrative:
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of 2002 . This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 usc 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.

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 2023-06-05 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: U.S. BANCORP
State: NJ

Complaint narrative:
i have Two inquiries on my credit report that i did not authorize nor have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Elan financial Inquiry Date : 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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Bank of America, I hope this message finds you well. I am writing to express my interest in re-establishing a banking relationship with your esteemed institution. In the past, I had an account with you which, due to certain unforeseen circumstances, was placed under the care of the recovery team. I want to assure you that I have since settled this debt in full and have strived to rectify any past discrepancies. Despite this, I have been informed that I am not eligible to open a new account. This is confusing, as I've previously consulted both your recovery team and the general customer service department, who have advised me that I am eligible to apply for a new account, provided it is done in-branch. Given these circumstances, I kindly request your assistance in this matter as I am eager to rebuild my financial standing with Bank of America. 

Best regards, 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
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This pertains to a now short sale on a property mortgaged by Wells Fargo ( WF ) from XXXX to XXXX and went through short sale around XXXX after I was in personal bankruptcy dishcharged in XXXX after the death of a co-borrower. 

I wanted to keep the property via a mortgage modification and WF requested income and bank statements to go through HAMP. Every 2 or 3 months WF requested updated documents for HAMP but never offered me a modification until after 1 year had passed.

I now understand they were prolonging this process for over 12 months so what was a condo in bankruptcy became a separate event. WF then said if I made 3 payments of around {$1600.00} they would consider modifying the loan but never offered a modification.

I did not make those payments and then agreed to sale the property which further affected my credit beyond the bankruptcy which now included a short sale.

WF seemingly had no intention to process me through HAMP but rather wanted a short sale if the property.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unfair. Not respecting laws See attachements

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 2023-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On the XXXX day of XX/XX/XXXX, I went to XXXX XXXX XXXX to purchase a vehicle. The vehicle I bought was a XXXX XXXX XXXX XXXX listed at {$14000.00}, I was advised that a down payment of {$2000.00} was required to obtain my car. I was also coerced into believing that I had to be fully insured before I could leave with my car ( 15 US Code 1605 c ). I was not given my right to rescind ( XXXX2 CFR 1026.23 ), nor was any document in my contract explained in full detail without prejudice. Many fraudulent acts are indicated throughout my contract with XXXX XXXX XXXX. First, being indicated on my retail installment sale contract XXXX XXXX XXXX is my creditor, but I am making payments to Exeter Finance of {$430.00} a month. The payments I am making on my car should be going directly to XXXXXXXX XXXX XXXX, which they are not, so my identity was heisted to be sent to the 3rd party- Exeter Finance , to open a loan for {$17000.00} in my name ( 15 US code 1605 a ). My retail purchase agreement has many discrepancies compared to my retail installment sale contract. To give insight into the differences, the model of my car is incorrect, the odometer isn't the same and the charged amounts are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have always had issues with over drafting fees.Cant give dates because it goes back to far back and got tired of arguing with over and and over many times. But feels it unfair and insufficient fees are outrageous especially when charging more than once.

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 2023-06-05 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-05 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: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-05 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: NC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: UPGRADE, INC.
State: IL

Complaint narrative:
I tried to purchase car/semi truck insurance for my company ( XXXX XXXX XXXX XXXX XXXX from a company called XXXX insurance XXXX My company was ran under the authority of another company name XXXX XXXX. The guy  running this company is name XXXXXXXX XXXX Well he took my information and purchase the insurance for his trucks instead of mine. I explained this to the credit card company. When I called the insurance company for my refund, the states that they could not refund me because the purchase was made by XXXX XXXX under his company and that I would have to reach out to XXXX or XXXX  card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I was issued a writ of garnishment of XXXX the XXXX of XXXX but my job contact me frist about it on the XXXX I contact the debt collector an ask for a validation of debt and why was this my frist time of hearing about this the agent said that I was contacted in XXXX about this debt but I dont recall the conversation are being served paperwork for said debt but in the agent records indicate that I had know about it and I requested information about debt to prove it was my debt the agent begin to be aggressive with me an refuse to provide anymore information and told me that they work for XXXX the local hospital in that town and have write them two letters of debt validation and sent the court a appeal letter and have not heard from no one and its by on the 30 day since I requested the information and according to the agent all so the debt was for a medical bill from XXXX and and that claim that sued me XXXX But didn't not inform me that the debt was pass stature of limitation and the garnishment was filled on XX/XX/XXXX but was not sent out to me XXXX XXXX XXXX of 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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account opened XX/XX/2021 in the amount of XXXX. Aggressive contact attempts are made regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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

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 2023-06-05 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: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 {$7100.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$540.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I attempted to open several checking accounts XX/XX/23 being denied for every major bank in the city of XXXX, I was finally provided with a letter from XXXXXXXX XXXX informing me. Their decision was made because of a report from early warning signs I replied, I recently filed a XXXX XXXX XXXX so I shouldnt old or have any balance is due to any other banks, I contacted early warning signs. They informed me the account that they are showing reporting, which is prohibiting me from opening. A new XXXX account is from a Bank of America account, which was included in my XXXX  I reached out to the bank directly to try to obtain some information. The representative I spoke with was extremely rude. He told me that they had marked my account as fraud and thats why I will not be able to open a new account. I asked him several times what was fraud, or what fraudulent activity took place on my account he would not inform me, he said they dont have to tell me anything. Im lucky he told me the information that he did. Before my account was close, I attempted to deposit a XXXX from another XXXX  account from a different institution. The check was declined, the funds were never deposited into my account, this would be the only thing that I can think of them reporting is fraud, which, honestly its not fraud at all. The funds were just not available by time they attempted to process the check due to automatic withdrawals. I would like for them to remove the fraud label from early warning signs because its not fair to me. It wasnt fair for them to put it and its not fair for me to be penalized for something that is not accurate. I feel that Bank of America is very discriminatory towards people of XXXX  When I open the account I had to jump through hoops, hoops, hoops, in order to open the account now theyre making it difficult for me to open account at any XXXX institution.

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 2023-06-05 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
amount : {$2700.00} More than ten years ago, I opened a sole proprietorship business account with XXXX XXXX. However, in 2014, due to a failed XXXX XXXX XXXX that left me unable to work, I accumulated credit card debt. XXXX XXXX assigned the debt collection to XXXX XXXX XXXX, and eventually, I reached an agreement with them. I agreed to pay nearly 18 % interest plus the principal amount annually. In these years, I have never been delinquent on my payments. 

Last week, XXXX XXXX XXXX sent me a letter demanding full repayment of the principal amount in one lump sum. They also threatened to seek court judgment if I didn't comply with their demands. Currently, 92 % to 94 % of my income is used to pay off two other credit card bills with interest rates as high as 26 %, and I expect to clear them by the end of XXXX. Since XXXX XXXX voluntarily closed my account, they can not increase the interest rate from 18 % to 26 %. Now, XXXX XXXX XXXX has changed its name to Transworld System Inc. and is sending letters urging full payment and threatening legal action to seek court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a check from Wells Fargo a while back but I thought it was fake. Now I see they have settled the case against them during the time of me having an account with them that I closed. I believe I am apart of the settlement.

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 2023-06-05 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: Westlake Services, LLC
State: GA

Complaint narrative:
Hello Im trying to reach the creditor to explain the account is not mine, and I called them more than 5 times but unfortunately they disconnected the calls, and they want to listen to me, this really fraud and trying to assign account not belong to me, its effect my score negatively. 
The company name is WESTLAKE PORTFOLIO MGM as per the attached Account overview Credit Close-UpSM WESTLAKE PORTFOLIO MGM XXXX Unsecured Loan {$84.00} Balance as of XX/XX/2023 Loan balance You've paid XXXX XXXX of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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