vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and XXXX 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 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 2022-10-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/XXXX of XXXX a purchase was made at rooms to go. That was incorrect. It took the store almost 3 months to fix everything between corporate the store and accounting and the credit card company to my knowledge. We went up to the store on XX/XX/XXXX. We came up to the store to resigned paper work. The account was supposed to be fixed. I get an email stating that my mimuim payment was late. I contacted rooms to go/synchrony bank. On XXXX occasions and put in disputes. U have to wait XXXX billing cycles for a response. I haven't spoken to anyone in upper management to assist me. I was paying what I was told to pay until. Original dispute was solved. I didn't get the promotional min payment calculated. And now it has his my credit report again for being late XXXX XXXX I'm confused. I haven't spoken to anyone to get account fixed. This has now again affected my credit report. Stating I'm over 30 days late. This is insane and very unprofessional. I have other synchrony accounts and never been through this with not able to talk to any one with the same information that customer service had.. I need some assistance some help to get my account back in good stats. I have never been in this situation. We want the furniture just want the payment corrected. And my credit report fixed because I am not late. Very disappointed. This is not the first thing I have brought from rooms to go. And I was never late and never had these issues. Please advise. 
Thank you 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 monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX XXXX  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 


Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 


The merchant continued to charge my card, however, even after I had canceled the transaction with them. 


I disputed XXXX transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 


The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 


I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 


I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 


I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 


The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Lewis, McDonnell & Associates
State: OH

Complaint narrative:
SOMEONE OPENED A ACCOUNT IN MY NAME WITH " XXXX XXXX SERVICES '' AND NOW LEWIS MCDONNELL AND ASSOCIATES KEEP CONTACTING ME AND THREATENED TO TAKE ME TO COURT TO HAVE MY WAGES GARNISHED, BUT THIS WAS NOT ME WHATSOEVER THAT STARTED THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am XXXX XXXX and my wife is XXXX XXXX. We bought a property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. We lost our property in a court procedure on XX/XX/XXXX. The bank that was in charge of the mortgage was XXXX XXXX. We summited all the documents required by them about this property. Eventually, XXXX merged with Freedom Mortgage. This property was paid in full by XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. ( XXXX ) XXXX XXXX and email : XXXX. After several calls with Freedom Mortgage and sending them the pay off documents, they still insisting on payment on the property loan. Instead of reviewing the documents that I sent to their litigation department they rather call almost every week to insist on payment.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To whom it XXXX concern : I need to report a company Name XXXX XXXX  in Alabama. They tried to charge my checking account in the amount of {$200.00}, the charge didnt go thru because they used an invalid expiration date. The issue is that they have done this to many other people that like me never solicit their services. I am attaching copies of this company reviews where other people complaint about the same issue. 

I haven't contacted the company that tried to charge my bank account because their transaction was declined and no funds withdrew from my checking account. The purpose of this complaint is to report : XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Tel : XXXX XXXX Thank you 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 2022-10-27 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: NY

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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  : # XXXX 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: CA

Complaint narrative:
I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX  According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified during an investigation demanded by CFPB Claim ( XXXX ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law and has 15 days to either provide My written authorization and the information concluded in this investigation or remove these Accounts XXXX XXXXXXXX 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 2022-10-27 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: NY

Complaint narrative:
Equifax must remove the following accounts per my written instructions ( see attached for further explanation ) due to the failure to perform their grave responsibilities with multiple reinvestigations. Please be advised, consumer reporting is voluntary and in accordance to the written instructions by the consumer whom it relates. ACCOUNTS TO DELETE : 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX Reason : Deceptive, inaccuracies and time-barred debt. XXXX reported open date of XX/XX/XXXX, but claims theyre not the creditor and acting as a debt collector AFTER the alleged XX/XX/XXXX charge off account was transferred to them. XXXX, also, owns XXXX XXXX, who is the alleged creditor company. This is deceptive practices. NY statute of limitations has expired for this alleged debt and I do not owe.. 
Action : Delete account. 

2. XXXX XXXX XXXX XX/XX/XXXX XXXX - Reason : Time-Barred Debt and Cease to desist ( XX/XX/XXXX ) ALL communications to third parties and collection efforts. XXXX XXXX XXXX was issued a demand to cease to desist ALL contact, direct or indirect, which included communication to third parties via medium, and collection efforts. XXXX XXXX XXXX has failed to comply and knowingly incurring multiple violations daily. As you see in the attached correspondence, this company, proudly, does not follow federal laws and makes up their own rules. This account is demanded as part of the cease to desist to be deleted! A debt collector, who reports to consumer reporting agencies, still constitutes as an attempt to collect a debt! NY statute of limitations has expired for this alleged debt and I do not owe. 
Action : Delete account. 

Please see attached supported documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA I demand the following inquiries be deleted immediately : XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
see below letter dated XXXX to Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX TUESDAY XX/XX/XXXX United States Mail XXXX XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Fax XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Phone XXXX XXXX XXXX, XXXX and Managing XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, CO XXXX Regarding : XXXX MORTGAGE ASSISTANCE XXXX forbearance approval and XXXX money request. Hardship began XX/XX/XXXX. 
Third mortgage assistance application sent to Specialized Loan Servicing XXXX Property location at XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX held the mortgage note in XXXX and XXXX Specialized Loan Servicing my loan on and after XX/XX/XXXX XXXX Loan # XXXX balance about $ XXXX as of XX/XX/XXXX XXXX XXXX of Specialized Loan Servicing : Enclosed please find the following documents : XXXX. XXXX XXXX faxed to XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX. XXXX Completed Mortgage Assistance Application on XXXX form XXXX ; XXXX. XXXX Unemployment Hardship Affidavit of XXXX XXXX. 

I filed a XX/XX/XXXX Consumer Financial Protection Bureau Complaint # XXXX in about XX/XX/XXXX against XXXX and/or Specialized Loan Servicing. You began servicing my mortgage in about XXXX and I was adversely affected. If I am eligible for financial compensation from the XX/XX/XXXX settlement that SLS made with the CFPB please let me know because I did not receive any compensation. Thank you for promptly approving my Mortgage Assistance Application request for a 36 month forbearance starting XX/XX/XXXX due to an Unemployment Hardship that began XX/XX/XXXX. Although my XXXX application was already faxed to you twice today, I am placing this letter with the enclosures in the United States mail today. The mortgage assistance application dated XXXX on XXXX Form XXXX supersedes all previously submitted requests for mortgage assistance. 

Today I am unemployed. Please review the enclosures itemized above. Thank you for approving the XXXXmonth forbearance requested in item # XXXX above due to an unemployment hardship caused by XXXX XXXX. Thank you in advance for wiring money due me from the CFPB settlement to my bank account. 

Sincerely, XXXX XXXX Enclosure : XXXX Mortgage Assistance Application dated XXXX forbearance requested Affidavit of XXXX XXXX Unemployment Hardship dated XX/XX/XXXX 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 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank moved my loan into a different department when I was struggling through the year to pay ( due to medical reasons ( XXXX ), an environment change, and becoming a newly single parent ). They moved my loan to what they call a " chargeback/repossession phase ) Where they give your loan to the repossession department to handle. You have to pay every 30 days on time or your title belongs to them and they have the right to sell and then stick you for what they do not sell it for. I did not know that they closed my account and placed it on my credit report. My account is very much so still open as they collect money Monthly ( just recently double charged me and OWE me a full car note back, whilst dragging their feet ) and I do not owe the amount they CLOSED the account as ( They left it at {$30000.00}, I owe less than {$28000.00} ) they do not report accurately and their reasoning is because until I have paid them off fully, they do NOT report it, because it doesn't exist within THEIR company. Please help me unearth these less than decent business procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank put a hard count on my credit report and I have never reached out to them for credit. This put a negative mark on my credit report.

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 2022-10-27 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: PA

Complaint narrative:
On XX/XX/2022 I submitted a complaint to TransUnion in regards to them violating my privacy and consent rights. Im still waiting a response from Trans Union

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 2022-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/22 -- XXXX fraudulent claim was made with wells fargo for a total of {$60.00} to an unknown individual. Case was opened and will be going through further investigation.

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 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.

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 2022-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: NM

Complaint narrative:
We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales. 

We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company. 

I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations. 

Sincerely,

Company response to consumer: Closed with explanation