vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: Colony Brands, Inc.
State: MN

Complaint narrative:
Montgomery Wards is reporting negative information on my credit report that is not mine. The social security number is not mine and they continue to report negative information on my credit report ( XXXX ) every month for the last year and continues to do so even with letters and filing a complaint. I would like this removed since this is not my account and never has been. Montgomery Wards even told me that it was not my account but still continues to report it on my credit. Also, the account belongs to XXXX XXXX XXXX and I am XXXX XXXX XXXX, last name spelled different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Debt Collector : Caine & Weiner ( C & W ) Account # XXXX Creditor : XXXX XXXXXXXX XXXX I settled the referenced debt with Caine & Weiner, attached is proof the debt was paid. Today, XX/XX/22 I received a letter from C & W collecting a remaining balance of {$340.00}, letter attached. It is my understanding that once an account is settled, the debt collection agency can not contact us. Please assist us in getting this resolved. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX not my account and I want removal off my credit XXXX XXXX is the amount Account number 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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/22. It was financed through Ally. Ally 's XXXX  app reflects an interest rate of 6.00 % on my customer dashboard. However, the correct interest rate is 5.99 %. 

The billing statement provided by Ally, dated XX/XX/22 does not provide ANY interest rate. The billing statement also does not reflect the itemization of principle and interest charges. 

Ally intends to apply my auto loan payments at the incorrect rate.

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 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC
State: DC

Complaint narrative:
Im emailing to file a formal complaint about the incorrect billing to me on a mistake XXXX made. Last week ( XX/XX/XXXX ) I received a debt notice in the mail from Keystone Law LLC. This was my first communication that XXXX was even seeking money owed. After calling the customer service line for what the bill was for, it is in relation to a huge mistake XXXX made last year and the charges are a result of XXXX  failure to correctly label and ship my packages which resulted in hours of lost time and damaged property for me. 

Last year ( XX/XX/XXXX ) I moved abroad and hired a company to send my bags internationally to XXXX. They contracted XXXX to send the bags. XXXX incorrectly listed the county of destination as XXXX XXXX XXXX XXXX  ), not XXXX ( XXXX ) and sent my bag to XXXX XXXX. They initially refused to admit fault even after receiving documents from both myself and the moving company showing it was their fault. After three months of the moving company and I calling nearly every day, the moving company was able to get XXXX to admit they made a mistake and have my bags sent to the correct address in XXXX. 

Then, nearly a year later, XXXX used a debt collector to bill me for duty and import taxes amounting to {$440.00} for XXXX XXXX. The customer service representative confirmed that the charges are related to customs and duty for XXXX, XXXX XXXX. My bags would have never even been in XXXX XXXX if not for the mistake of XXXX in incorrectly labelling the country and causing me months of XXXX 

This has been the worst shipping experience of my life. This bill is extremely incorrect and unlawful as I have in no way consented for any of my things to be sent to XXXX XXXX, nor do I believe I should pay for duty and tax for XXXX XXXX as a result of XXXX 's mistakes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I issued check # XXXX in the amount of {$1100.00} to XXXX XXXX, a painting XXXX, for a home painting project. On the same day, the XXXX tried to cash the check at the local Wells Fargo bank at XXXX. However, due to the handwritten amount on the check being for XXXX XXXX XXXX XXXX, ( which should have been XXXX XXXX XXXX XXXX ) the bank teller caught the discrepancy and would not cash the check. 

I was contacted the same day by the XXXX concerning the check and I agreed to write a new check. I issued a new check ( # XXXX ) with the correct amount which the contract took back to the bank and the check was cashed. 

Subsequently, The XXXX proceeded to also alter the original check and deposited it. We immediately alerted Wells Fargo prior to the funds being distributed, but the money was transferred regardless. 

I attempted to get the money back from the XXXX, but was not able to get any money returned or any work done. As such, the police were contacted, a warrant ultimately issued for his arrest and we are awaiting resolution. 

But for Wells Fargo transferring the money for check # XXXX over my objection and cashing a check that was obviously defective, I would not be out of the money.

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 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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 — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Inc wrongfully charged my card for XXXX randomly. My bill is only {$25.00} a month. They took XXXX XXXX dollars at my account without me knowing, and then lied like they never received it! They closed my account and my payout was supposed to {$520.00}. They then CHANGED it to {$74.00}!!! Talking about they just put that after it closes but REFUSE to give me my {$520.00} that they stole! This is so disheartening in times like these. I thought they were good for building credit, but no only fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I was sued by XXXX XXXXXXXX XXXX XXXX on behalf of Citibank for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from XXXX proving that they obtained the debt from Citibank. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, 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 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: RI

Complaint narrative:
EFT using chime pay anyone feature sent to wrong recipient numerous disputes denied, support messages deleted, recorded phone call with support staying recipient was not the account owner that was paid never used for investigation, deliberately violating federal EFT laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Good morning, I have a savings account at Citibank. I live in XXXX and was trying to make a transfer from my Citibank account to another account which is mine also. The system asked me for a phone code but I did not receive the code because apparently was missing indicative numbers. So I updated my phone number and now Citibank requires that I have to wait 14 days to be able to make the transfer because I updated my phone number... I think this is too long for updating a phone number and I really need to use my money. I understand that they have their security policies but this is the longest time a bank has required me to wait until I can make a transfer. Is half of a month.

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 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
New Information Pertaining to complaint # XXXX I am enclosing the information responding to the violations to my consumer report and the laws that have be broken I request that the CFPB review the forms and hold Ally financial liable for the laws broken as pursuant to FDCPA & FCRA. Forms are attached for review. I would like to know the method of verification once a decision is made as not to close my dispute without a agreed upon result.

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 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I placed a XXXX XXXXXXXX XXXX  purchase. It was my first time to use this service and I wasn't sure how it worked. I was in communication with someone, in regards to the purchase of an XXXX XXXX. After some confusion, with XXXX XXXX XXXX working and then not, ( Originally, XXXX said this item was covered by purchase protection, but the link didn't work ) we agreed that I would send her the money via Zelle. I sent the amount of {$380.00} to her bank account. She claimed to have not received the amount, and claimed she was having trouble accessing her account. On XX/XX/XXXX, after she again said she hadn't received the money, I told her I was concerned and would report it. She came back and said she called her bank and had received the money. She would mail the phone. She very quickly deleted her XXXX  account, she never replied to any other messages and her account said messages unable to send. I immediately contacted XXXX but they said they couldn't help since I didn't send the money properly, through XXXX XXXX XXXX. I contacted the police, who told me to contact my bank. I contacted my Bank, shared all screenshots of the communication and bank details, but they have also denied helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over the last 90 days I have contacted the XXXX and Equifax regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one auto is in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights

Company response to consumer: Closed with explanation