vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-24 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: AZ

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 XXXX XXXX XXXX. 

Accounts : XXXX XXXX XXXX ( Late Payment On Closed & Paid Off Account Only Shows On Experian Report, Letter Sent To Remove Late Payment, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX {$460.00} XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I wanted to purchase a puppy online via XXXX XXXX XXXX XXXX XXXX XXXX. After I inquired, I received a text message saying that the puppy was ready to get shipped that day and all I needed to do was to send payment to this Zelle account, which included the price of the puppy and the shipping cost. I then received through email a contract to sign. It looked suspicious since the breed of the dog on the contract was misspelled. 

Afterwards, I got an email saying that I needed to pay the shipping company and extra charge. Two options were available but the first one was cheaper ( {$1600.00} and 98 % return when the puppy arrives ). I didn't understand why I needed to pay extra so I ignored it. After a few hours, I received a call from the " agent '' that was with that shipping company. I asked him why I needed to do that since I already payed for shipping. He kept on insisting ( with a distorted voice over the phone ) that I need to pay asap through Zelle so he could ship it asap. I kept on arguing with him and I asked what will happen if I do not pay today since it was a lot of money all of a sudden. He said that it will go to a shelter and that I will be charged with abandonment. At this point I tried to get a hold of the person who owned the puppy but he kept on refusing to pick up but wanted to only text since he was at a " doctor 's appointment ''. Finally after trying a few times, he called back and I immediately knew this person was a scam because his voice was distorted. After that call, I called my bank to try to put in a fraud claim to retrieve back the money I initially paid. After some time, the claim went through and said that I would receive a call during the afternoon in the next few business days. 

It is now XX/XX/XXXX. I called back my bank to check on the status of my claim and they said that my claim was cleared and that they could do nothing about it. Their reasoning is because I willingly authorized my first Zelle payment and there's nothing they could do. I even asked for the name of the bank that the person was using and they couldn't even tell me that because they are not authorized to. Basically, they said I was at a loss and there's no solution that could be reached. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/2022 Regarding Wells Fargo case number : XXXX Consumer Financial Protection Bureau case number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am trying to get clear title to a vehicle I purchased over 2- years ago. 
I am getting phone calls and emails from Wells Fargo when I clearly indicated what I need. 

Wells Fargo should respond to Consumer Financial Protection Bureau case number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Wells Fargo is listed as being a lien holder on my vehicle and that information was sent to XXXX  XXXX XXXX XXXX. by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL Active Managers as o XX/XX/2022 date are XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX. 
Contact for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX ) XXXX According to Wells Fargo, it is XXXX  that made the mistake and Wells Fargo never had an interest in my vehicle.

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 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accscient, LLC
State: KS

Complaint narrative:
PLEASE SEE ATTACHMENTS Nationwide Recovery has obtained, used, and trafficked my nonpublic personal information to unaffiliated third parties. Nationwide Recovery is using oppressive and fraudulent practices to coerce payment for an alleged debt and is in complete violation of my consumer rights, the FDCPA and the FCRA. Nationwide has stolen my identity to coerce an alleged payment that I was never given the opportunity to review, cure nor deny the debt before its unlawful furnishing.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-24 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: Block, Inc.
State: CO

Complaint narrative:
I work for a member of XXXX who was the unfortunate victim of identity theft and the criminal opened a CashApp card using the victim 's information. I mailed a formal dispute with all of the required documents under the FCRA to have to account confirmed as fraudulent to CashApp on XX/XX/22. After no response from CashApp I attempted to call them on XX/XX/22. The first issue is that CashApp will not allow people to wait on hold and will only allow a call back. However, upon their first call back they played a recording stating they're sorry they missed me and disconnected the call. After my second attempt, upon their call back I spoke with a representative who did not provide their name or identifying information. I explained that my member was the victim of identity theft and I needed an update on the formal dispute I mailed to them. The rep asked for the phone number or email on the fraudulent account. I tried to explain to the rep that a criminal will not put the victim 's real phone number or email on a fraudulent account so I don't have that information. The rep claimed he could not help me. I asked for a supervisor and the rep stated he was unwilling to get a supervisor and hung up the phone. Upon my third attempt and call back I spoke with a rep named XXXX. She would not provide any additional identifying information and would not let me know the rep I previously spoke with. I explained the situation and that I would not have the phone or email listed on the fraudulent account, however that I have formally submitted all the documents required under the FCRA to confirm an account as fraudulent and that CashApp is required to confirm the account as fraudulent upon receiving these documents. XXXX put me on hold for some time and then asked for the XXXX tag on the card. I advised I do not have this information either but I could provide the victim 's address, DOB, or full SSN. XXXX refused to take any of that information. I asked for a supervisor again. XXXX refused to provide a supervisor, but said she would have a supervisor email me back. I provided my email address and advised I would be reporting their company to the CFPB. XXXX did not seem to care about that. I did not receive an email from a supervisor. Instead, I received an email from XXXX asking for the same exact information she asked for over the phone. After all of this extremely unprofessional conduct and blatant violations of the FCRA I decided to file this complaint. I have attached the dispute paperwork that I sent CashApp on XX/XX/22 along with the email that XXXX sent me instead of having a supervisor contact me. I would like CashApp to close down the fraudulent account and confirm it as fraudulent. I would also like these reps to be reprimanded on their conduct and for CashApp to change their shady business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: RI

Complaint narrative:
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 XXXX XXXX XXXX  Need to be reflected as paid in full and deleted from my account. Company aggred to refelct paid in full no late payments and deleted from 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 2022-10-24 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo XXXX card pay 100 % a merchant for a service was never completed 100 %, I was going to start an orthodontics treatment for my wife and they charged 100 % of the money without starting the process without my consent, I disputed with Wells Fargo and it passed 20 days and nothing happen.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
On XX/XX/22 I visited the Nordstrom rack in XXXX Colorado. I had a larger purchase and they asked if I wanted to apply for a credit card to save {$40.00} stupidly I agreed I started entering information and the sales clerk said oh our machine is down youre going to have to do this over the phone so she makes a phone call and puts me on the phone with someone who starts asking all sorts of personal information income, Social Security number and date of birth, etc., I started getting very very uncomfortable and told the lady on the phone I was getting very uncomfortable with this conversation and I put the sales clerk back on the phone and the person on the phone told the sales clerk she is not approved for a credit card I said thats fine. I dont want one. Now a few weeks later I get a credit card in the mail from Nordstrom, so they tell me that Im not approved for a credit card and I say I dont want one and then they force one on me anyway, this is extremely concerning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: CA

Complaint narrative:
Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. XXXX did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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:
Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. XXXX did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.

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 2022-10-24 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: PA

Complaint narrative:
I am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have consolidated my student loans with Mohela based on the directions to qualify for the Public Service Loan Forgiveness program. I submitted my paperwork on XX/XX/XXXX and did not hear from the company until today, XX/XX/XXXX. I have documents showing that I have made enough of the qualifying eligible payments but the letter states I only have XXXX payments to count. I have tried calling on several dates and have been on hold for over two hours. Today, XX/XX/XXXX, I tried to click ANY option to speak with a representative and the voice recording states they can not take my call because the high call volume. They direct me to their website. I have logged in to their website and messaged them with questions on XXXX dates. The dates are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not gotten a response from the company for any of the messages. 
I am not able to get any information on how to better submit documents for my verification of my previous payments and I am very concerned that Mohela is dragging their feet and lacking in customer service in order to keep my loans. This company has been granted the PRIVILEGE of holding ALL student loans for PSLF individuals. They are becoming the XXXX barons of the 21st Century and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My Citizens Bank checking account ( opened 2022 ) is completely gone. I can login to the app and website but don't see my account. When calling customer service, nobody can find my account. This is crazy, all of my money is essentially stolen. There was > {$1000.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I placed an order of several white dresses for my XXXX birthday white out party and paid a {$10.00} 2 day delivery fee. I did not receive the dresses till Sunday XX/XX/XXXX and requested a refund for my {$10.00} and Macy 's declined to provide me a refund. 
Additionally, a dress for {$39.00} was never received. I returned all the dresses that were ordered since I bought a new one on Saturday from another store. After returning the dresses and waiting for the XXXX statement, I was able to reconcile the purchases/returns. I called today XXXX and Macys customer service will not return my {$10.00} shipping fee or the {$39.00} dress that I never received. She stated that I have 30 days to file a complaint. In accordance with XXXX XXXX dispute time frames I have 60 days to file a dispute with my credit card company.

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