vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Dear CFPB Staff, Southwest Credit XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX, Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I deposited XXXX XXXX  checks from XXXX XXXX XXXX  into my Wells Fargo checking account. I am currently leverage very high ( my own fault ) and needed additional funds. I called Wells Fargo on XX/XX/XXXX and XX/XX/XXXX to see if the deposits had cleared. I was assured by someone at Wells Fargo on the evening of XX/XX/XXXX they would be cleared. To be certain, I logged into my Wells Fargo account the morning of XX/XX/XXXX to see if those deposits had clear. The deposits were no longer listed on hold and my available balance had increased to over {$4000.00}. I proceeded to make payments to many of my credit cards to begin to bring down the amount of credit I was using. I am trying to consolidate four student loans ( {$21000.00} ) because I am eligible for full forgiveness ... but the loans must be consolidated. After XXXX XXXX XXXX  that day, I returned home to discover my checking account was now more than {$1000.00} in the red. Two phone calls to Wells Fargo lasting for about three hours ensued. During those phone calls, two different people including the Wells Fargo employee ( called XXXX for privacy reasons ) stated the deposits had cleared that morning ( XX/XX/XXXX ). I stated that once a deposit or check had " cleared '' then the money had official changed hands and that Wells Fargo had committed grand theft by removing those funds from my balance. Failing to convince Wells Fargo they had committed what arguably is a felony, I then called XXXX and asked them to stop payment on the two checks I had deposited with Wells Fargo. I called Wells Fargo again on XX/XX/XXXX and again struggled to find someone with enough authority to talk to me about fixing this problem. I terminated the call after several minutes of " dead air '' with no one responding to me. I do not know if they hung up on me or if they put me on hold without my knowledge. I also requested a complaint be filed against XXXX for the way he conducted that phone call.

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 2022-06-17 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: MI

Complaint narrative:
On XX/XX/XXXX I sent a letter to Transunion requesting a method of verification for a bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded with a letter stating that the bankruptcy was verified as accurate, but not how it was verified or who it was verified through. 
On XX/XX/XXXX I sent a letter to Transunion again asking them to provide their method of verification on the bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded stating the bankruptcy was verified by the bankruptcy court. 
I then went to the bankruptcy court and they stated they do not report bankruptcies to credit bureaus. I received a letter stating this for proof to send to Transunion. 
On XX/XX/XXXX I sent a letter to Transunion with the enclosed letter from the courthouse stating the bankruptcy was still considered unverified as the bankruptcy court did not verify the item as Transunion had said. 
on XX/XX/XXXX Transunion responded stating the bankruptcy was still verified by the bankruptcy court.

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 2022-06-17 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-06-17 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: PA

Complaint narrative:
I have made multiple disputes with all 3 credit bureaus for the reporting of my XXXX account. XXXX continues to certify inaccurate information to XXXX and Equifax, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that XXXX has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how experian is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the equifax report which contains the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Please forgive me for the frustration and puzzelement in dealing with issues related to credit card industry, lately. 
This is my brief story : For the first time - on XX/XX/2022- I decided to use Apple Card for buying XXXX from XXXX XXXX. For legitimate reason the merchandise was returned and full refund was issued timely to the creditor. At this stage, the matter should have been closed-like any other transaction with my other credit cards. Unexpectedly, Apple Card sees this proceeding differently and began demanding campaign for extraneous payment of {$38.00}. As a responsible consumer, I repeatedly asked to explain the reason for the required payment. Unfortunately, no satisfied response was received ( please examine exhibit 1 & 2 ). 
On XX/XX/2022 I have been notified by my bank that my account is reported as delinquent and that my credit score dropped XXXX points from XXXX ( please examine exhibit 3 & 4 ). That would make a deliberate tangible difference in the quality of my family lives. Should anybody care about how disable senior citizens manage the authoritarian unethical means these creditors are applying at their customers with recklessness and impunity? I believe that FTC cares! I believe Apple Card is violating its supposed compliance with credit practices normally applied. 
While checking my emails I inadvertently saw a misleading ad claimed by the creditor : Pay No Fees. Ever. Terms apply ( please see exhibit 5 ). In my case Apple Card has never said the origin of the demanded {$38.00} nor I have signed/agreed about anything alluding to that figure. Is this a ransom? Please help me understand whats going on, as Im at loss .The threat scheme posed to consumers by creditor practices remains real and should be abated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Home Depot statements were missed initially as we had issues with Covid and late fees assessed tried calling to remove the late fees and Citi bank would not do that and that dispute stayed pending. I paid principle money owed and interest and they keep calling me 3 times a day for collecting late fees. This account was opened at Home Depot and I was not aware of late fees. Regardless I have made an effort to offer them two late fees to settle which actually doubles my purchases but bank has no interest settling. Instead they want to get oasis another XXXX in addition to my payment of XXXX. That is predatory to build up late fees by using some fine print which was never shared with me

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  # 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 states a consumer reporting agency can not furnish a account without my written instructions.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I have made multiple disputes with all 3 credit bureaus for the reporting of my Bridgecrest account. Bridgecrest continues to certify inaccurate information to XXXX and XXXX, specifically that my last payment was made XX/XX/XXXX in the amount of {$0.00}. The actual last payment was made on XX/XX/XXXX. I am aware of the fact that Bridgecrest has already had legal action against them in the past for certifying inaccurate information to the credit bureaus, namely reaging accounts, which is what they are doing to me. You will see the attached copy of how XXXX is reporting the dates which is correct, along with the receipt of my last payment. You will also see the attached the XXXX report which contains the inaccurate information.

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 2022-06-17 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: TX

Complaint narrative:
I noticed several accounts on my credit report that does not belong to. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please find my correspondence in accordance with law.

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 2022-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 2022-06-17 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I checked my XXXX account and it shows inquiries that I did not authorize. I am disputing these due to them being hard inquiries and hurting my financial future. 
XXXX : Ally Financial XX/XX/XXXX AXXXX 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 2022-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Received an unsolicited credit card on XX/XX/XXXX from Bank of America. Was told that we would receive a letter stating that the account was closed and that it was fraudulent. We never received the letter. XXXX weeks later we called back and nothing had been initiated on their end. They have been completely unhelpful in resolving this matter. The company is saying that it will take up to 90 days to " investigate ''. We are currently in the process of purchasing a home and this may impact our interest rate. Clearly it was an unsolicited credit card, or part of Bank XXXX XXXX recent data breach. Who would be stupid enough to open a new credit card while in escrow?? AND, it was an XXXX XXXX Bank of America card. Who would be stupid enough to fly with 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 2022-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: CA

Complaint narrative:
I have a leased vehicle for Volkswagen XXXX with Volkswagen Credit. I have requested to buy-out for lease in XXXX and they provided the instruction with the forms/bill of sale. 
Per their instruction, there is an option to receive the title by XXXX if I pay additional {$15.00} so I did complete and sent two different checks for payoff amount and a fee for XXXX. 
They cashed checks on XX/XX/2022 but they have not sent the title until XX/XX/2022 by regular mail and I have not received the title yet as of XX/XX/2022. 
I have planned to business trip to oversea next week ( will be returning back in XXXX ) but I have to reschedule the airplane because I have not received the title. 
During the summer season, the busiest season of the year, it will cost me extra to reschedule the airplane. 
I demand full refund of {$15.00} for XXXX and reschedule cost damage for air fair due to their mistake. It will cost anywhere from {$700.00} and more depends on reschedule date per air company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This account is fraudulent, this account is unauthorized. Delete, block, and remove the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This all began in XX/XX/XXXX. My husband went to XXXX XXXX. They referred him to another of their offices. They scheduled my husband for a root canal. That was supposed to happen on XX/XX/XXXX. The clerk in the dentist office charged him for the office visit & the copay & then they did NOT even see him. I disputed it with XXXX XXXX. They assured me they issued a full refund. That refund has never been processed. After the 15 day waiting period that Barclays requires you to wait for a dispute, I filed a chargeback. Apparently Barclays did not read the complaint or process it within the allowed time for disputes. Today, XX/XX/XXXX, they claim the charge is too old & can not be corrected. Its not my fault they did not properly process the dispute. The merchant ; XXXX XXXX claimed they refunded it. Barclays says they cant refund it if the merchant is doing it. Unfortunately its been 6 months since they promised a refund. Barclays has failed to properly credit my account. I sent them printouts from the BBB complaint that clearly shows the merchant says they were going to refund us. The bank should be able to see that the charge of {$79.00} was NEVER refunded as promised. I contacted Barclays again & was told they closed the case because too much time has elapsed & I did not send them the proof. Ive sent it to them multiple times, they just fail to process it. I have requested a manager to call me back, multiple times but they never do. Today, they submitted another request. They say give them 7-10 days! Im tired of the run around. The company promised a refund. I have proof of it. Unfortunately, Barclays has failed to process my dispute in a timely manner. All I want is for them to credit my account as promised.

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 2022-06-17 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:
I noticed several accounts on my credit report that does not belong to. 

XXXX XXXX XXXX Collection Account 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