vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I called the number listed ( XXXX ) for My Banking Direct ( Money Network ) to request a replacement debit card and I was told that the card was already used, and I was helped with submitting a dispute. 

I kept calling the Money Network since they told me that they do not notify users. 

Back on XX/XX/2023, I called in to check on the dispute status ( which was filed in early XX/XX/2023 ), and I was asked to provide the documentation that shows the debit card for the Middle Class Tax Refund card was stolen, so I emailed the letter ( to XXXX, as I was told ) from USPS showing that the debit card was stolen and the the piece of paper holding the debit card was returned to me early XXXX. I was attaching the same document again in this appeal. 

I was told the claim was unsubstantiated when I called them to follow up again on XX/XX/2023. And I was also told that they never received my email or my documentation. I was told that I can appeal this decision. I was told to email XXXX including the word " Appeal ''. 

I appealed the decision that the dispute over the stolen debit card was denied for a very strange reason on XX/XX/2023. 

On XX/XX/XXXX, I called them again and I was told they don't even have any appeal email from me. So they denied my initial dispute due to their negligence and repeatedly ( intentionally or accidentally ) didn't even receive or at least started processing my appeal. 

As a victim of the mail fraud and stolen tax refund ( refund amount is {$700.00} ), I am supposed to be the one receiving help, but instead, that company ( and their fraud investigator ) obviously didn't do anything to help people in need of help and didn't provide any other way for me to continue getting my refund back.

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 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
We received a call from Grant Mercantile Agency Inc., a collection agency on Friday XXXX XXXX stating that I owe them {$750.00} for the XXXX  bill that was due from XXXX XXXX XXXX XXXX. During the call we mentioned that our Insurance company took care of the bill and we received a confirmation letter from Grant Mercantile Agency stating that the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance One, Inc.
State: CA

Complaint narrative:
The company called me today. I called them back to see what they wanted. They demanded my social security number first thing, and when I asked if we could continue without me divulging that information they hung up. Sounds like a scam. I thought to myself, so I called them back and got the name of their company for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX received notification that I had hard inquiry on report from XXXX XXXX XXXX XXXX I did not apply for this credit. Tried to call company per to have them send deletion request due to not applying. No one would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with Experian concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXXXXXX  and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX  to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXXXXXX  at XXXX. Later that same day, I called XXXX and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXXXXXX  XXXX  did  a payment adjustment in the amount of {$520.00} on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXXXXXX  which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the XXXX  application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXXXXXX  and posted on XX/XX/XXXXXXXX  in the amount of {$520.00} pursuant to my phone call the previous day to XXXX, another payment in the amount of {$520.00} was returned unpaid by XXXX  on XX/XX/XXXXXXXX  for the payment dated XX/XX/XXXX. XXXX  XXXX XXXX had already done a credit adjustment for the duplicate payment of XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  which was shown on the XX/XX/XXXXXXXX  statement. This was clearly a XXXX  error. I am being unjustly penalized due to their actions. See attachments. I made payments to XXXX  for XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. Thank you for your consideration of this matter.

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 2023-10-13 00:00:00
Product: Credit reporting 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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
On XX/XX/XXXX @ XXXXXX/XX/XXXX, I called XX/XX/XXXX to figure out why I was sent to collections because I currently was not late on payment nor defaulted on anything. I talked to one of the representatives about where the debt came from and it was from ambulance ride from XXXX I explained to him I havent been to ER since XXXX for an unrelated issue and i drove myself there. The representative explained to me the debt was attached to someone elses first and last name. The only reason he was able to look it up was from my phone number and not even through my social security, which I informed how was that even possible since it showed on my credit report. He recommended me to reach to the credit bureau to have this taken off but this can seriously ruins someones credit, falsely reporting items that arent even tied to them. Representative was a good guy tried to explain everything he could to me without giving me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: MO

Complaint narrative:
XX/XX/2023, U.S. Bank denied my application for mortgage due to information in a ( n ) consumer report which directly violates the Gramm- Leach- Bliley Act about privacy of information. Also Securities Fraud has been committed by the application being evidence of indebtedness concerning such underlying asset, also Breach of Contract which involved Signature of agreement between both parties.

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 2023-10-14 00:00:00
Product: Credit reporting 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: 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.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We were sold a service by XXXX XXXX XXXX XXXX that turned out not to be what was sold to us ( You can get certified as a personal trainer only to find out later that their certification is not recognized anywhere on its own ). During our dispute with XXXX, we contacted the bank and told them not to allow the charge to go through. On XX/XX/XXXX, it did. We disputed it and they credited our account while they investigated. A couple of months later they took the money back. This lead to our account being overdrawn and charges taken out repeatedly. I had a client pay me to that account and I never saw the money because it simply went towards the overdraft amount We now are still {$250.00} overdrafted. The charge was for {$1000.00}. Our bank is Wells Fargo. 

We are still fighting XXXX about their scam but it would be nice to not have the account overdrawn. I believe the bank should have stopped it originally.

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 2023-10-14 00:00:00
Product: Credit reporting 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: CA

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  : 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.

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 2023-10-14 00:00:00
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no knowledge of the creation or use of these accounts. I never gave permission for these accounts to be opened. However, these accounts are on my credit report and have been harming my score.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent XXXX XXXX  account, XXXX, XXXX  XXXX XXXX, XXXX XXXX card account, and XXXX XXXX collection account as I never have had contracts with them, and per the fair credit reporting act these unauthorized fraudulent accounts MUST BE REMOVED!! 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my repeated endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} 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 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial recently established a payment arrangement with me, allowing a two-week window for me to come up with {$1100.00}. However, just one week later, I received an unexpected phone call. In my attempt to explain that they had previously made a payment arrangement with me, I felt a sense of confusion and frustration. Politely, I expressed my gratitude and ended the call. 

My journey with GM Financial began back in XX/XX/XXXX when I started to fall behind on my payments. The primary reason for my financial struggle is the loss of my job, a position I had held for over a decade. As a single mother, I faced the added hardship of being denied unemployment benefits and anxiously awaiting my appeal date, leaving me without any income since XX/XX/XXXX. 

Reflecting on these challenging times, I can't help but think back to the early days of the COVID-19 pandemic in XXXX. If my financial hardships had occurred during that time, perhaps my vehicle wouldn't have been at risk of repossession. 

The underlying stress in my life was exacerbated by a painful divorce that was instigated during the pandemic. My ex-partner moved out on XX/XX/XXXX. Prior to my financial struggles, I had responsibly placed a significant {$15000.00} cash down payment on my car, consistently making on-time payments for 16 consecutive months before falling behind. 

Considering my investment of over {$25000.00} into this vehicle, which I've owned for nearly two years now ( with XX/XX/XXXX marking the two-year anniversary ), it's disheartening to realize that the remaining balance on my car loan stands at a staggering {$31000.00}. With a lien on the car due to that substantial down payment, the recent and abrupt repossession by a towing company, without proper lien verification at an intrusive hour of XXXXXXXX XXXX was both unexpected and unsettling. 

What compounds the situation is the lack of communication from GM Financial. Despite my repeated requests for necessary documents, I have not received any response or acknowledgment. Additionally, I haven't been informed about the possibility of retrieving my personal belongings from my now-repossessed vehicle. 

As a single, unemployed mother of XXXX, my XXXX daughter, who is a XXXX XXXX XXXX was recently deprived of her means of transportation. I had to take back my old XXXX to ensure I have a vehicle available for my family. My son, who is XXXX years old and has XXXX XXXX, relies on us for care and stability. In these trying circumstances, I am earnestly seeking understanding and support from GM Financial to navigate this challenging chapter in my life.

Company response to consumer: Closed with explanation