vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My grandfather who Banked at Wells Fargo off XXXX XXXX XXXX in XXXX Ga had many accounts and a safety security box. He passed away and left me his granddaughter in charge of things. However, my father and sister had broken into his home in 2018 when he passed and had stolen all his finiancial records. They fraudulently gained access to his va accounts, savings, checking, brokerage, and convinced the bank with fraudulent papers to access his box which contained the will. I had a judges order for my father not to have acccss to that box but he did it anyway. They were able to transfer millions of dollars from his accounts by my sister having used her notary stamp fraudulently to gain access. The Wells Fargo was aware of all of this and did nothing. They were not suppose to allow him access to that box where he destroyed the will and took off with jewelry and bonds. I spent XXXX fighting this but had horrible representation due to me becoming very XXXX with XXXX XXXX. My grandaddy was my best friend and a decorated XXXX XXXX in the XXXX in XXXX and XXXX other wars. He did not deserve this greed and had every right to have his wishes known and served to his liking. My dad and sister funneled his money and bought out my sisters company partner which she became partner because of my grandfathers stolen money. XXXX XXXX is her company. Her name is XXXX XXXX XXXX. My father is XXXX XXXX XXXX. They both have illegally laundered that stolen cash along with wire fraud. They opened up mailboxes and also broke into my grandfathers accounts to move them to their addresses along with his phone and didnt even declare him deceased so they could use his XXXX XXXX and stellar XXXX XXXX XXXX. Please 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 explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waveland LLC dba FJM
State: ND

Complaint narrative:
A unit was leased from XX/XX/XXXX to XX/XX/XXXX. after XX/XX/XXXX, it changed to a month to month lease. We turned in notice to vacate and move out of the unit XX/XX/XXXX. Rent was paid in full through XX/XX/XXXX and I never received a move out statement or my deposit of XXXX back. We were being harassed and stalked the entire time we lived there and the landlord was contacted about the neighbor 's dog ( who the landlord stated to me that they were not aware of but nothing was done about the attack dog ) as well as someone coming onto the patio and tearing apart items on the patio that I had purchased. someone also left a dead animal in our garbage can. attempts by someone to enter the unit while we were there was made by someone ; as the ring alarm would sound off in the middle of the night while my kids and I were asleep upstairs. I gave notice to vacate! XX/XX/XXXX, I have received an alert that a collection for {$500.00} was placed on my equifax credit report by a debt collection agency that is acting on behalf of XXXX XXXX property XXXX. We have tried contacting great plains and we get no answer. I was unable to turn on the keys directly to a person when moving out because they are rarely in the office so I put the date of return and placed all the keys in their drop box upon move out. since we moved out, we have not heard from XXXX XXXX and now they are trying to use a collection agency to collect money that we do not owe them. They should be returning my deposit of {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
An account from American Express with a balance of {$28000.00} is listed on my credit report. I have never opened an account with American Express, nor have I ever received any credit cards or correspondence from them. On my credit report it shows that the fraudulent account was opened in XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Once again Kia Finance of America is at fault for messing up my account for the second time. I refinanced my loan with another company to get away from this terrible company. On XX/XX/2022, I called to check on the status of my overpayment check in the amount of {$1000.00}. The representative told me the check was NOT sent to my address, instead it was sent to Colorado! I DO NOT live in Colorado, I LIVE in Ohio! They have to complete a stop payment on the check to reissue it to me to my correct address. Due to this error, I am in a financial hardship!!! This company keep making errors on my account and not taking the fault for it which is effecting me! Please expedite my check!! Ive been waiting since XX/XX/2022 for this check!

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 2023-01-01 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: DISCOVER BANK
State: NJ

Complaint narrative:
I was XXXX  on income tax related charges XXXX XXXX, 2011. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays are harassing me by robocalling and hanging up upon answer. Violating tcpa laws as well. I did not consent to robocalls

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 2023-01-01 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Back in XXXX of XXXX my car was repossessed by HYUNDAI FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX. When a car has been taken back by the finance company there are certain legal protocols that are suppose to be in place when such matters have been taken. They are required to notify consumers of each and every step after attaining a vehicle, such as, copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. There were no communications of any legal notices sent to me at all. I sent them a certified letter back in XXXX of XXXX requesting them to comply with said legal notices, and if they do not comply they will be in violation under the laws of XXXX XXXX as well as State XXXX and XXXX statutes. And a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

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 2023-01-01 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: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My coinbase account was locked for nor reason by Coinbase. I have been in touch with their support which has been of no help. They won't give me a reason, just that they need to verify my identity using a selfie and biometrics. I have done this multiple times and they either respond with we will get back in 14 business only to say pictures were blurry. They have said this multiple times and one time they claimed they didn't receive pictures. I have email communication documents to the above. When this started there was XXXX in the account, since XXXX have gone down the account has dropped below XXXX, I can't even access it to check my holdings or portfolio. This has gone on for months and still I have no reason for their action, I can only say that it was locked right after the proof of stake with XXXX  in XXXX, I had staked XXXX with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I went to a XXXX walk-in location and informed them that my account had an equipment charge in the amount of {$120.00} and that I wanted it removed because they came to the house and picked up the equipment when the service ended. The agent advised me there wasnt a charge for {$120.00} on the bill and that the bill was incorrect and refused to remove it. On XX/XX/XXXX my credit monitoring app also notified me that my balance was increased {$1.00} from {$500.00} to {$500.00} and this caused my XXXX credit score to drop XXXX points. This is incorrect.

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 2023-01-01 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: MO

Complaint narrative:
XXXX is in violation of The XXXX XXXX that requires financial institutions or companies that offer consumers financial products or services like loans, financial or investment advice, or insurance, need to explain their information-sharing practices to their customers and to safeguard sensitive nonpublic information data. XXXX committed identity theft as I did not receive on OPT OUT notice before submitting my nonpublic personal information to a third-party affiliate Experian. XXXX had a responsibility to provide a clear and conspicuous disclosure to me in writing or in electronic form or other form permitted by the Fair Credit Reporting Act.

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 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
Hello the bank which is Hungtion national bank. Is refusing to apply payments to my account loosing payments. And applying payments to wrong accounts and reporting wrong information to my credit report dropping my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-01 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: WI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-01-01 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:
My student loans were transferred from XXXX to XXXX and some credit bureaus were counting the loans twice on my debt to income ratio. XXXX and XXXX corrected this mistake but Experian has not. 

I opened the account dispute on XXXX XXXX, XXXX and Experian completed its dispute on XXXX XXXX, XXXX. 

The amount of the account is {$42000.00} from 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 2023-01-01 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: WI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: CT

Complaint narrative:
TransUnion under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. TransUnion is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. TransUnion has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. TransUnion has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' TransUnion has included such accounts on my consumer report. TransUnion is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' TransUnion has included such account in my consumer report. I DEMANDED removal of these accounts and TransUnion has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i TransUnion to provide the NAMES & ADDRESSES OF THE PEOPLE THE PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If TransUnion CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY for conducting a none requested Fraud Reinvestigation. TransUnion is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.

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 2023-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I have contacted XXXX and XXXX and XXXX. XXXX corrected the error. XXXX transferred my loans of {$42000.00} to XXXX in XXXX of 2022 but XXXX is XXXX showing the account as open. I have asked XXXX and the credit bureaus to fix this issue. 

You can see the report on XXXX 's website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian continues to report XXXX late payment on my credit report when I don't have any late payments.

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 2023-01-01 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: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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