vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 a account without my written instructions.

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 2022-07-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I got a loan from 21st mortgage for a mobile home i purchased these people have been the wort mistake Ive ever made besides my ex husband. Ive had issues with the home it came with a warranty which they never honored then the freeze came it caused mold and mildew in the home after the pipes busted they sent out an appraiser they forgot to include th plumbng in the estimate when the disbursements came in they made it XXXX near impossible vecause they wouldnt disburse until i showed proof of work so i was having to come out of pocket to pay for some repairs until they decided it was ok to disburse this went on for over 3 months when the plumbing the contractor would not finish the work because of plumbing issues that needed to be obviously fixed they lied to me several times saying they were disbusing and then woudl call me back saying no because ... then i dhad to borrow $ to get the plumbing done to continue the repirs fast forward repairs were completed i started paying the money back im currenlty behind 2 payments because ve been expecting the insurance to reimburseme they have failed to do so they ignored my requests i filed a complaint with TDI that got their attention and within days i get a call back that they are gon na reimburse me 21st motgage is constantly HARRASSING ME i guess they found out about it i get 2-3 calls daily if not more followed by constant emails from XXXX XXXX and forward the phone calls start i answered this morning the I spoke to the lady told her im waiting on the insurance reimbursement to take care of it they said next week she said let me put u on hold while i write some notes on the acct she gets back on phone with a guy claiming to be the suepervisor asking me the same exact questions she just did then proceeds to tell me im behind 2 payments and the account can be repossessed i told him go ahead ill file bankruptcy and take them to court I know they cant repossess me because ive been late before ive always paid up to date but their constant harassing scare tactics is very unnecessary i know theres people that dont care or prioritize their bill i work in auto financing and i see it all the time but I would never talk to my customers the way these people do its unprofessional its antagonizing, unnecessary and causes more stress and XXXX XXXX I usually dont answer them for tht reason im always at work and thy start with their interrogations and wanting to know how i manage my $ during tax season they literally called me and asked me how much i was getting back and was i planning to pay ahead!!!!! QUIT HARRASSING AND TAKING THINGS PERSONAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A guy add me from XXXX, and he told he can teaches me to invest and save some money on the app. And he referred me a account number which is the costumer service of the app. And he send me a link to door load it. Now he is gone and admitted he was a scam. 
It all happened around around a year ago in XX/XX/2021. 
I lost XXXX USD

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 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a new Wells Fargo account using their website on XX/XX/2022. On their website I put in my XXXX account information so they could pull {$500.00} from my XXXX account to the Wells Fargo account to initially fund the account. Wells did pull the money from my XXXX account on XX/XX/2022, but they never deposited it into my new Wells Fargo account and they lost my money. They don't know where it is. When I call XXXX, they tell me they sent the money per the instructions received from Wells Fargo. So the money is somewhere at Wells Fargo and they just can't find it and they are telling me they don't have it. I am attaching the activity from my XXXX account showing the money was pulled by Wells Fargo from my XXXX account. 

When I called Wells to complain, they took away my online access from all my accounts ( 2 credit cards and the newly created checking account ). So now I can't get into any of my accounts.

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 2022-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I've continually had issues with American Education Services who services my private student loan through XXXX Bank. The interest rates are criminal, I've already paid most of the loan back but still owe the entire principal amount. I've been making more than 7 years of payments with little to no progress. I've attempted to get my payment reduced, but because my grandmother cosigned on my loans almost 15 years ago, I can not do anything without my grandmother 's signature. My grandmother is now XXXX, with XXXX, living as a XXXX of the XXXX with no income other than XXXX XXXX and due to my poor credit score, which is likely because of my student loans/debt-to-income ratio, I am not able to apply to have her removed. More recently, I've been a victim of identity theft and had to have my bank account shut down to get new accounts, cards, etc. Because of this, my bank issued a stop payment for my student loan payment with AES. Once I found out, I immediately reapplied the payment, but they charged me a late fee. I petitioned to get the late fee removed, as I have an amazing payment history with them, and explained to them why it was late. I was notified yesterday they denied the request to waive my late fee. To say Im disappointed would be an enormous understatement. The interest on these private loans are astronomical and theyve decided that due to a stop payment issued by my bank due to identity fraud, they need an extra couple bucks. A huge corporation, in addition to my fees and interest, needs to make a continual profit off of a new mom, working hard just to pay back the education I do not use with insanely predatory interest rates. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
On XXXX XXXX I received i letter from Car Mart stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: NJ

Complaint narrative:
I was behind on some bills in XXXX so I searched online for loans from companies like XXXX who have fair lending policies. Minto was recommended so I applied and was approved for {$1200.00}. Neither the annual percentage rate for this loan nor the repayment amount was written upfront on the screens for this loan application online when you get the message your approved. It wasn't until after I signed and received the loan that I saw the repayment agreement buried in the loan forms emailed to me. I have paid over {$1200.00} at this point and the loan agreement says the repayment amount is {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I have reached out two both the credit bureau and The agency to verify this debt over the last three months have sent debt validation letter to both with no responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Listed Below you will find items reported on my TransUnion Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX  {$1100.00} - XXXX XXXXXXXX Bankruptcy : Bankruptcy # XXXX - XXXX XXXX Bankruptcy : Bankruptcy # 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 2022-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-07-30 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: IN

Complaint narrative:
Experian is reporting accounts on my personal report that was involved with my business. 
My business has since filed bankruptcy with these items listed, I provided proof from the Bankruptcy court and my attorney to Experian but they constantly say that its verified and accurate reporting.. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have no knowledge. it has been disputed on several occasions and has never been confirmed as my personal debt. This debt is not mine, it could belong to someone with a similar name or address. 
Credit Report In accordance with the Fair Credit Reporting act XXXX, Account # 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.

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 2022-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-07-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: AR

Complaint narrative:
On XXXX XXXX I received i letter from XXXX XXXX stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.

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 2022-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX BAnk and XXXX are my biggest concerns right now. 

XXXX Bank is reported incorrectly. Each bureau reports a different date of last active. Transunion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due two or three times. That's not even possible or accurate. It must be concise according to laws that govern credit. XXXX reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. Transunion reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. XXXX is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines

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 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Letters dated XX/XX/2022 and XX/XX/2022 from Bank of America stated that I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX card. I did not apply for this card. The letters request that I remove the freeze that I have place on my credit report. I did reach out to Bank of America and informed them that I did not apply for this card. This is not the first time that this has happened to me and it is very concerning.

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 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus Equifax, XXXX, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
My loans were transferred to AES in XX/XX/XXXX. I have never been late with AES. My credit reports from XXXX to XX/XX/XXXX have not shown any late payments. Now in XX/XX/XXXX XXXX XXXX  days late entries for XXXX loans appear on my credit report for XXXX and XXXX of XXXX. My loans began servicing with AES on XX/XX/XXXX, when I received a welcome email. How can I be 60 days late in the first months with AES? Also, why is this appearing on my credit reports XXXX years later? 

I have disputed directly with AES and through the three credit reporting agencies. AES states that they feel no adjustment is necessary and my credit reports have not changed. This inaccuracy tanked my credit score. AES should not report inaccurate information about student loans or borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: DC

Complaint narrative:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX  years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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