vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed dispute # XXXX on XX/XX/XXXX with Experian requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.

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 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: 1 STOP MONEY CENTERS, LLC
State: AZ

Complaint narrative:
. I have a title loan with 1 Stop Title and XXXX XXXX XXXX XXXX. I have paid my loan payments for many years as I have had a few longs with this company over the years. I am usually able to pay but recently I had XXXX  XXXX twice within a short period and I have side effects and financial hardship from fighting the illness. With that I called for the first time in years for help because I had already requested an extension but could not pay. The store personal transferred me to the corporate office and I spoke with XXXX. XXXX was rude from start to finish. She was very short with me when I asked for guidance. I told her I could not pay, and she responded with I cant do an extension on an extension, she repeated that, and we will continue the collection process several times. I asked what that meant because since XXXX  I have had a hard time understanding things, so I ask a lot of questions. XXXX tone was unpleasant and just kept repeating the same things as I asked what the process was, she said we will continue to call you. XXXX then said abruptly is there anything else I can help you with in the rudest manner. I was on the brink of tears, so I told her I was sorry I was getting on her nerves and ended the call just as confused as I was before calling. My bill was due XX/XX/XXXX which is the day I spoke with XXXX. They repossessed my vehicle less than 24 hours later and they did not call me even once to ask for the payment. Now they are asking for over {$4200.00} by XX/XX/XXXX because they know I wont have it and they have told me they plan to auction my vehicle if I cant pay over {$4200.00} in 2 weeks. This is predatory. I have submitted this to the XXXX XXXX XXXX, and I will work diligently to stop my vehicle from being auctioned. 
I think XXXX facilitated predatory lending practices. She led me to believe I would be able to speak with someone as a part of the collection process and make my payment with them but that did not happen. 
I called specifically to ask for help and to understand the process. I would like someone who does not work directly with XXXX to review the recordings of my calls XX/XX/XXXX to the store and with XXXX and the way she spoke to me when I called today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I fell victim to a scam housing rental in the city of XXXX XXXX via a spoofed XXXX advertisement and leasing agreement. The end result was a loss of {$3500.00} in wire transfers believed to be designated for first months rent and deposit. My bank is Wells Fargo and the receiving bank was XXXX. 

This incident was initiated by a XXXX posting ( expired link - https : /XXXX XXXX XXXXXXXX ), that was intended to be a month to month rental following my move from XXXX, XXXX. 
After vetting the location and posting, reached out via email to confirm details and try to confirm legitimacy of the landlord and posting. This was best represented by the leasing agreement I requested and carefully audited. This can be sent as a digital attachment when ready for review. 
The leasing agreement for XXXX XXXX XXXX, XXXX XXXX, XXXX, called for the total {$3500.00} to be provided by wire transfer prior to move in on the date of XX/XX/22. The landlord, XXXX XXXX, requested that this be sent one month in advance to secure booking as many other rental sites do. The money was sent first on XX/XX/22 to cover the {$1000.00} deposit and finalized on XX/XX/22 to cover the {$2500.00} for first months rent. 

Fast forward to the date of move in, XXXX I drive down from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to find the residence is occupied by another renter. I ask the renter if the posting I had was valid, and they confirmed it was a scam under the same address. 
I attempt to contact the landlord in any way possible from the duped leasing agreement with no luck, my funds are now permanently gone. 

This was a huge financial and time loss, not to mention making me immediately XXXX  living out of a car until I could find an apartment. 

Despite the above, I managed to initiate a claim to review the fraudulent wire transfer of {$3500.00} with my bank, Wells Fargo. The banker in office told me I should expect at least a credit or full amount returned given my experience. 

Two months later ( and after several calls ) I finally get a decision from the bank via mail. They informed me that the claim was denied due to the receiving banks inability to pay back the funds. This was hugely unfair by the receiving bank with fraudulent funds and even more disappointing by my own bank not to take action for a customer. I am now placing a report with XXXX per XXXX XXXX XXXX  direction and following up here at CFPB in hopes of recouping some or all taken funds.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX  will reconsider its position, because I can't see myself doing any more business with them otherwise.

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 2022-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I earned enough points through my XXXX XXXX  XXXX XXXX XXXX that were redeemed for XXXX {$25.00} XXXX XXXX  XXXX gift cards, amounting to {$100.00} total in rewards. Their website has been broken for a full month now, which prevents customers from accessing those gift cards. Whenever the verification Securpass code comes into play, an error message pops up that prevents you from accessing the gift cards. I have reached out to their customer service three times now, and they have pushed me off every single time.

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 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  had accounts open such as XXXX XXXX XXXX the amount of {$980.00} which I never moved into the apartments and XXXX XXXX account which had a breach in the company that was in the amount of {$670.00} and I also had 2 credit cards approved through them and I owe credit card debt in the amount of {$620.00} which really supposed to be in the amount of $ XXXX believe I was scammed in between XXXX and XXXX. I closed my account as of XX/XX/XXXX due to the knowledge I obtained and working on my credit through accurate companies annual credit report and my scores were different.

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 2022-09-23 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.

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 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Several months ago I received a letter from Fifth Third that it had sold my mortgage to XXXX XXXX or XXXX XXXX  Within that time period I was also having terrible problem with the way my mortgage payments were reported to XXXX. Fifth third stated my payments were supposed to be twice what I was paying which was wrong. I wrote to executive management, and the CFPB finally to get some attention. Whenever I called Fifth Third no one answered the phone and no one honored t

he THREE phone appointments I set up. Now I am attempting to reac
h out to them again because if my mortgage had been sold I need the new mortgage acct # so I may refer to it in my ins documents. I never received anything regarding that sale other than a brief letter. 

This week I called my previous contact, XXXX ( XXXX ), THREE TIMES ( Wed, Thur and Fri ) to get assistance and left voice messages THREE times!! He never called me back. Today I then called 1 ) re-financing and 2 ) customer service, Refinancing DELIBERATELY hung up on me and the customer service rep was surly and condescending. He did state my mortgage had not been sold but I remember receiving the letter it had been! 

I have also attached the third complaint letter I sent today to President and CEO XXXX XXXX, because I believe when I write my complaint letters to executive management they are intercepted and never shown to those managers. This could be considered an act of fraud, because egregious wrongs are being covered over and squelched. 

In all, I have no idea who owns my mortgage and therefore how to manage it! I make my payments every month to Fifth Third Bank but I am very unhappy about all this. 

Further, the general culture at this bank is corrupt, and this corruption is deeply entrenched. There is no reason for anyone to perpetrate these many abuses against my account or me. The corporate environment is one of predation and any opportunity these people have to abuse their customers, they will do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We aren't customer of wells fargo but one of our office check was cashed by an unknown person in wells fargo bank without proper signature or ID or endorsement behind the check. 
we tried several calls and branch visit to file a claim and open a fraud case regarding the person who cash our check but Wells Fargo refused to even listen to us because we aren't their customer and it's not a large sum of money. We are a small business that our livelihood depends on these checks and if we can't figure it out who did cash the check and return the money than we dont survived. I really appreciate any help. 
The check was issued to XXXX XXXX XXXX and we are a dental office in XXXX XXXX, XXXX  and our checked get cashed by XXXX. 
This check was cashed by an account number in 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 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX to rectify the late payment XX/XX/2021.

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 2022-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX  to rectify the late payment XX/XX/2021.

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