vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: MO

Complaint narrative:
XXXX the XXXX specialist from Recovery Solutions Group has called my office many times and been asked to stop calling he proceeded to call on XXXX and spoke to a office employee and told her I owed him more then XXXX dollars and he was going to seize all my assets and everyone would be out of work. He also threatened to send people to our office to take care of business if I didnt respond. My employees feel unsafe at work and afraid they are losing their jobs.on another occasion I was called and threaten also with men coming to my office to handle business and before I could even respond he hung up on me. We have been having to walk each other to the car at dark in fear that some men are coming to harm us. Today XXXX a man did come he handed me a envelope and proceeded to try and take photos of my staff and my office saying they were coming with a XXXX to load up my office and seize my business and charge me XXXX what its worth because it was being sold at auction. I have let them know I currently have a lawyer representing me and I gave them the info to contact them. I was told that it dont matter they are not a legit company and are ripping me off. The man also waited outside our office taking photos of employees with out their permission and making them very unsafe feeling. I need this to stop my self and my employees feel un safe and scared to come to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a request to investigate a XXXX  XXXX  on my credit report to equifax, XXXX. i have received no response of the status or up date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am unable to retrieve the funds on my account without incurring a fee. I XXXX XXXX and received this card from XXXX. In the agreements, it says {$0.00} teller withdrawal fee but when i called to ask what my daily limit was, i was told my card wouldn't work at a teller. This was the only option to take out the funds from this account. Something doesn't seem right.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover financial has wrongfully and inaccurately placed several late payments on my credit report. These issues began during the COVID19 pandemic XXXX and Discover agreed to remove these late payments with a goodwill update request to the bureaus, but they never followed through. These late payments have negatively affected my life and ability to acquire financing. 

They are in violation of several FCRA laws. 

According to the FCRA : 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 : 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BlockFi Inc
State: NJ

Complaint narrative:
XXXX has disabled withdrawals with no warning. I do not want the funds in my wallet to be used to pay blockfis creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two fraud checks cashed by Wells Fargo. The second cleared out XXXX % of my account balance. Neither was signed, nor endorsed by me. Both looked virtually modified with copy+paste grey typed boxes and all white background. Both checks no. XXXX. The Pay To does not match the stamp on the back of the check. The bank can only tell me it should have been checked and not cashed and somehow it was. I should protect my account number. 

I have had accounts with this bank for more than 25 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: AR

Complaint narrative:
XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, XXXX, EQUIFAX. HOWEVER XXXX BANK HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: MN

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 : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The complaint is in reference to my XXXXXXXX XXXX credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called XXXXXXXX XXXX earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.

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 2022-11-28 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: AR

Complaint narrative:
XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, TRANSUNION, XXXX. HOWEVER XXXXXXXX XXXX HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM

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 2022-11-28 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: AR

Complaint narrative:
XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY EXPERIAN REPORT, XXXX, XXXX. HOWEVER XXXXXXXX XXXX HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM

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 2022-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2022. I contacted US bank today and spoke to XXXX who states that they did not receive the payment and can not provide any further information. I want to escalate this matter as the end of the month approaches and I do not want any late payments reported to the credit bureaus. i would like for Us bank to research further to find the payment. Thank you

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a letter to dispute items on my report and they have not yet sent me any investigation updates or removed anything. I Item XXXX : XXXX XXXX ( {$800.00} ) Item XXXX : XXXX XXXX ( {$700.00} ) Item XXXX : XXXX XXXX {$700.00} )

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 non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I TRIED TO GET AN UPDATED CREDIT REPORT FROM COMPANY WITH THE NEW SCORES, THEY ARE SENDING OUT FAKE SCORES TO PEOPLE AND THEY HAVE FAILED TO UPDATE CREDIT REPORT XX/XX/2022 ACCORDING TO THEIR WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior. 

They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived. 

She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time. 

XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine. 

We received the bill on XXXX, which was the day it was due. 

On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day. 

On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills. 

I did so on XX/XX/XXXX. I sent everything they asked for. 

The bill became {$29.00}. 

Then the bill became {$60.00}. 

I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account. 

On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness. 

They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days. 

Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due. 

Is this ever going to end? 

No one else is this rude. Everyone else answers their phones. 

Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them. 

The {$19.00} should have been the final bill. 

Please advise. I really do not know how to resolve this short of blasting them on social media. 

Details : XXXX XXXX XXXX is the name of my dear mother

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: FL

Complaint narrative:
I was charged {$250.00} at XXXX XXXX XXXX XXXX XXXX obviously fraudulent charges. I contacted XXXX they said contact your bank so I did that and bank says not fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation