vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
I went to the XXXX XXXX branch of Umpqua Bank in XX/XX/XXXX to send money to XXXX. I was told that I needed a cashier 's check. The check was sent but could not be cashed. I took the cashier 's check back to the branch on XX/XX/XXXX. The representative told me that the check was " old '' and that the manager had to approve my redepositing it. ( Two to three months to and from XXXX, even for airmail, is not unusual. ) I then said that I wanted the fee- I thought that the cost was {$25.00} but was twice told that the fee had been approx. {$12.00} but is now {$10.00} ) to be reimbursed. The representative told me, all but verbatim, that Umpqua Bank is not responsible for what other banks do and don't do. I asked to speak with the manager who said what the representative had all but just said. Both were amazingly rude. I then went to the Umpqua XXXX XXXX branch in XXXX XXXX, CA. In asking for a copy of the cashier 's check, the representative asked why the money had not been sent by wire. A copy of the cashier 's check revealed that the funds had been sent in XXXX not XXXX dollars. I called Umpqua 's customer service and found out that it is the manager 's discretion re reimbursement of the fee. I asked how can that be ie apparently, I have to pay even though Umpqua was in error as to how currency should be sent abroad and when I complain, it is perfectly acceptable for me to be treated so very rudely. It appears that as a customer with Umpqua, I should know which branches to visit to obtain the correct info and services as well as be treated well? If I go to an engineer because my land has drainage problems, how am I supposed to know what drains or whatever is needed. This is a matter of principle and as I become older, I am so tired of dishonesty.so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my 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 explanation
Consumer complaint received 2023-05-09 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: LA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I started XXXX XXXX in XX/XX/XXXX. I called in XX/XX/XXXX to inform them I was moving, and would not need internet service at my new address, and to please terminate my account. The representative I spoke with informed me that there was an early termination fee. I provided her my credit card information to make payment and was told that was it. Months later I saw reports on my credit report from CCS that I had an account in collections for the amount of {$210.00}. I contacted XXXX who realised the mistake and that they had never actually charged me the early termination fee ( even though they took down my credit card number! ), and they acknowledged they had received my box and there had been zero activity on the account from the time I had called to terminate my service and when I was calling wondering why there was an account in collections. They acknowledged this was their error and agreed to CREDIT back all the charges to my account, and since the early termination fee never processed that I would pay that at that time. This was completed XX/XX/XXXX. I am now ( XX/XX/XXXX ) seeing this collection on my credit report. I contacted the collection agency who told me that because XXXX is reporting this as PAID in full that it can not be deleted from my credit report. EVEN THOUGH I never paid any outstanding debt in full. I paid a termination fee which they failed to process in a timely manner, and they reversed charges that should have never been charged to me in the first place. I have contacted them many times for ALMOST A YEAR regarding this and it is still not resolved. I have printouts of emails to document where they credited the account for the incorrect charges, and where I paid the termination fee after they failed to process the payment the first time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

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. 

XXXX : 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 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased this car in XXXX of XXXX. The delearship misrepresented the federal tax credits for this fuel cell vehicle and I feel that if I had known that there was not a {$8000.00} federal tax credit for this car I would not have purchased it. I have asked the dealership and Hyundai Motor Headquarters to send me the Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Manufacturers Certification Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Domestic Distributors Certification But none of them have sent me this information. In addition, ever since purchasing this vehicle they have been offering $ XXXX off of the MSRP price versus when I purchased the vehicle the discount was for $ XXXX off of the MSRP price. I don't think it is good business practice for them to offer an additional $ XXXX off of the price only 2 months after purchasing the vehicle and extend that offer for this length of a period of time. Obviously the discount has been in place for this long because they do not see the vehicle valued as much as they thought.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management violated 15 USC 1681s-2 by furnishing information to a credit agency knowing there is reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XXXX XXXX XXXX  the information remains on my 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 non-monetary relief
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XX/XX/2023 the information remains on my 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 2023-05-09 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: AES/PHEAA
State: AZ

Complaint narrative:
I applied and was approved for Public Student Loan Forgiveness by FedLoan Servicing and I was notified on a letter dated XX/XX/2022. Amounts forgiven {$27000.00} and {$50000.00}, My credit report shows that I owe XXXX. the XXXX is on loan program DLSCNS and the XXXX is on loan program DLUCNS. the letter states " you have satisfied your obligation and no additional payments are required on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Moore Law Group
State: CO

Complaint narrative:
Firstly, I received no debt validation letter or a notice for the transfer of debt. Secondly, they sued me and won judgement and afterwards I asked for email communication only. THEY CALLED ANYWAY. Thirdly, I asked for the original agreement from them which I NEVER signed up for WITH " THE MOORE LAW GROUP '' and for the debt validation letter I was supposed to receive 30 days before any action was taken on their part. I also reached out to the attorney general for my state and they told me that they couldn't help me because the Moore Law Group operates out of California and not Colorado. Even though they have an office and employees here. ITS BEEN OVER 30 DAYS OR SO AND I'D LIKE TO DISPUTE THIS AS SOON AS POSSIBLE. I'VE RECEIVED NO COMMUNICATION SINCE THE JUDGEMENT PASSED VIA EMAIL AS I REQUESTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NJ

Complaint narrative:
I recently notified Experian that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that Experian is incorrect. How Experian claimed the information was verified and I would like to know what method was used to verify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
Please remove fraudulant inquires XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
TD Bank ( TD Retail Card Services ) sent me a debt collection letter dated XX/XX/23 for a past due amount concerning my TD Bank Yard Card. I received the letter on Friday, XX/XX/23. I immediately called TD Bank customer service to let them know that there was an error on TD Bank 's part because I made the payment online as I always do and the payment was removed from my bank checking account on XX/XX/23, two days before the payment was due. After speaking with three different agents between Friday, XX/XX/23 and Saturday morning, XX/XX/23, I was told I would have to email proof of the transaction. I was provided with the email address and an " Attention to '' number, being " XXXX '', and sent in proof on XX/XX/23. I was told I would be contacted once received. I did not hear from anyone yesterday, XX/XX/23, nor today, XX/XX/23, and have emailed TD Bank twice more requesting a response. I tried the customer service again who stated I would just have to wait to hear back from my email submission. I'm " disgruntled '' to say the least that I received a past due notice in the first place on an account that wasn't past due. I'm afraid this will cause a derogatory statement through the credit bureaus on a matter that was no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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: CL Holdings LLC
State: CA

Complaint narrative:
Filed a dispute with all three credit bureaus on XX/XX/2023 they had 30 days to respond and they did not so I'm asking for a deletion under the federal Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IN

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. ( XXXX XXXXXXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions 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 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 non-monetary relief
Consumer complaint received 2023-05-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX Wells Fargo refused to work with me on a loan modification, causing me to file for bankruptcy from XXXX to XXXX. My lawyer had to work with them to save my home. They ended up selling my mortgage to another company in XXXX or XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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