vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I went in XXXX XXXX XXXX to get a dining set for my home. However, I did spot the dining set I was interested in the set was for {$730.00} and I was looking forward to finance the set. Unfortunately I was able to finance the set I was denied on the spot. I was just to inquiring about financing it and it did a hard it on my credit report. The financing was through Wells Fargo Bank for the furniture.

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 2023-01-14 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: PA

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - EXPERIAN 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 explanation
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
Experian sent be XXXX emails stating disputes were ready I open all reports and there were no dispute results. Experian did not do what they were supposed to do. The report numbers showed no results of any disputes. Experian you have to do better seriously. 
Report no. XXXX Report no. XXXX Report no. 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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted Equifax reps about 2 weeks ago regarding a more than 80 point drop in my score I noticed in the middle of XX/XX/XXXX. I had the My Equifax free product and I've painstakingly looked at the details of the available reports for XXXX, XXXX, and XXXX and they are virtually the same. And XXXX is not available for some reason ( see the attachment labeled Equifax Summary ). I upgraded to the XXXX XXXX on XX/XX/XXXX in an attempt to see when my score changed and indeed it's between XXXX and XXXX. Questions : if the reports are virtually the same between XXXX and XXXX, why would XXXX be different? And why did my score drop by over 80 points? Also, why is XXXX not available? See attachment labeled Equifax XXXX. After the rep continually talked about scoring and the obvious reasons it could change, I asked to speak to a manager. The manager said they would look into it and Id get something in the mailnothing as of XX/XX/XXXX. 
I sent an email on XX/XX/XXXX to CEO XXXX XXXX, XXXX XXXX XXXX and XXXX & XXXX XXXX XXXX explaining all of this. I included 4 of the attached documents detailing my Equifax information for the months XXXX, XXXX and XXXX. XXXX showed up when I upgraded and is attached with this communication, but is the same information albeit some new very small balances relating to XXXX. And I see that XXXX XXXX closed their account due to non-use. I got an email response from customer care that afternoon basically stating that there are several different scoring models and ways to dispute the info. None of the ways to dispute include a missing report or a huge score drop for no reason. Basically, I was blown off. 

Also, in the summary it shows XXXX 's score from Equifaxs point of view as XXXX ( Equifaxs upgraded plan gives scores from all bureaus ). I called and the rep told me that XXXX 's score is also calculated by Equifax from XXXX data... really? Because XXXX has me at XXXX. Again, see the attachment labeled Equifax Summary. I know there are differences in how scores are calculated but its usually in the same rangenot an almost 100-point difference between Equifax and XXXX. 
And an over 80-point drop in 1 month with Equifax for no apparent reason and a missing month that correlates with the drop needs to be corrected. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have a card with Care Credit. I have been trying to get 2 remaining balances zeroed out for a year. I made a payment & a few days later I called & spoke with an agent. The agent assured me the balance would fall off my account in 1-2 billing cycles-it hasnt. Each time I call, an agent tells me the 2 balances I have are off my account, but they cant be because theyre still there when I login in to the app to check. I have provided a screenshot of the two balances that I am referring to. The balances have since gone up since the photo was taken. I know these balances are still there because Im still getting charged interest. I am being lied to each time I call. I think theyre lying to me so I keep getting charged interest.

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 2023-01-14 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: MOHELA
State: CA

Complaint narrative:
I have never been late with Mohela student loan company. 
Acct shows I was late several years ago. Mohela bought account. I've never been late with Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE

Complaint narrative:
XX/XX/2022. 
I never authorized hard inquiry with this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: MS

Complaint narrative:
On XX/XX/2023 I spoke to someone at westlake financial regarding a payment arrangement for my car note in the amount of XXXX  the representative at the time assured me that my request was approved and I would not be charged any additional fees. On XX/XX/XXXX and the XXXX I received calls from this number ( XXXX ) XXXX - XXXX stating my account was past due and asking when I was making a payment I was never given this number as a contact reference from the dealership I brought the car from or the finance company. I called Westlake financial at XXXX XXXX  on XX/XX/XXXX and spoke to XXXX XXXX about my car note and I stated to her that I already spoken to a representative and made an arrangement to pay on a certain date she assured and stated to me on a recorded line that it was noted in my account that a payment would be made XX/XX/XXXX of XXXX also XXXX XXXX stated that effective immediately tomorrow I would not be receiving anymore calls from the ( XXXX ) XXXX - XXXX number anymore when I made her aware that I wasnt given this number by anyone at westlake or the car dealership she didnt confirm that was one of westlake financial numbers but instead she just got silent and said umhmm yea and proceeded to state that she would have to speak to a supervisor to get my request approved. After already speaking to a supervisor and representative 10 days before my request was already approved and granted but what XXXX XXXX mentioned to me was surprising she said I would have to secure that payment arrangement with a credit card or checking account the representative I spoke to on XX/XX/XXXX never stated anything about having to secure the payment he said I can just call their ( XXXX ) XXXX - XXXX number back and make a payment with a credit or debit card for the XXXX amount. Also the representative before XXXX XXXX stated that a {$5.00} dollar charge would be added on when making the payment over the phone with a credit or debit card and when I mentioned that to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge come from. I am starting to think Westlake financial is a scam company because its always something new every time I speak to a representative at this 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 explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - 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 2023-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Called on these dates and violates the law. This is considered harassment. I have never done business with this company. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We moved to XXXX, XXXX on XX/XX/22. XXXX weeks ago I was withdrawing money at the atm in front of XXXX. A XXXX man who spoke good XXXX offered to help me. As he was explaining how if I took dollars instead of XXXX  I would avoid fees, he took my debit card & inserted a card into the atm. While doing so, he actually inserted a different card & kept mine. After racking up XXXX in charges & atm withdrawals I noticed and called Wells Fargo. They told me it could take up to 10 days to issue me a provisionary credit. Yesterday on the 9th day they told me my claim was denied. I told them this was unacceptable as we live on a fixed income. My boyfriend took over the call and the result was they would reevaluate the denial & get back to us. I have been a Wells Fargo customer for 20 years. I have never filed a fraud claim. In those 20 years I have made many automatic deposits for my accounting business. We have also heard of this happening to other friends & people. Does anyone have experience in this or suggestions?? 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 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
Please remove closed accounts off my credit report you have 14 days XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: CA

Complaint narrative:
I have never been late with XXXX student loan company. 
Acct shows I was late several years ago. XXXX bought account. I've never been late with 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 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Parnell & Parnell, PA
State: GA

Complaint narrative:
On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my XXXX XXXX XXXX who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: AE

Complaint narrative:
Unauthorized hard inquiry on my credit reports on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: AE

Complaint narrative:
Company used unauthorized hard inquiry on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank ( " bank '' ) caused a hard inquiry to appear on my XXXX credit profile without any legitimate basis which caused my XXXX XXXX to be reduced. When the bank failed to resolve the issue, I filed a Complaint with the CFPB ( Refer to XXXX ). That case was closed when the bank 's XXXX XXXX, issued her letter dated XX/XX/2022 dismissing my concerns and which provided irrelevant and condescending information regarding the difference between hard and soft inquiries as well as XXXX XXXX and an actual credit reporting entity. I responded to the bank and used this to reopen my case. Attached is a copy of my letter with attached copies of the referenced XXXX XXXX letter and a copy of the actual hard inquiry. I have also referred the handling of this matter to XXXX XXXX, XXXX and XXXX or Synchrony Financial.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have asked Equifax to remove the security freeze on my account 4 times and after sending them the required information, they fail to initiate the removal and ignore my written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My brother legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? on the ADDRESSES section, His address was never XXXX XXXX XXXX XXXX, # XXXX XXXX, MI XXXX, His address was never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. His address was never XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MI XXXX. Can you fix these errors if you can? My brother 's ALIASES name is not XXXX XXXX, XXXX XXXX, XXXX, XXXX, J. 
His alises name is XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX without counting my middle name. 
Can you fix this errors if you can? 

Can you fix delete these errors if you can that I listed?

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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPB Let me tell you briefly what happened. 

On XX/XX/2022, PayPal asked me to provide a service fulfillment to customers and clarify the type of my work. All the required files and information were sent on XX/XX/2022, done on XX/XX/2022 I was asked to provide additional documents and information. This was done on XX/XX/2022. After reviewing all the documents and information, they were approved and I could use PayPal normally. I made a withdrawal that was approved and awaiting confirmation. On XX/XX/2022, I logged into my account. I was surprised that the withdrawal process was suspended and my balance was suspended for 180 days, and that I could no longer use PayPal without any justification or explanation. 

I tried to call customer support over and over again, but to no avail. The only answer is to tell me that the service has been temporarily suspended due to the Covid-19 virus. 

Ref ID - XXXX Very sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: FL

Complaint narrative:
I sent the TransUnion Credit Bureau a letter asking them to verify the alleged debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. The credit reporting agency states that they verified the debt and did an investigation ; however there are still inaccurate reporting 's on my credit profile. A copy of the TransUnion investigation results and a copy of my Credit Report showing the inaccurate information have been attached to this complaint. 1. The inconsistencies are located on Pages 3 and 4 of the attached credit report and are highlighted in yellow. - The account limits, dates of last activity, late payments, high credit limits, high balances, and payment history are inconsistent and vary among TransUnion, XXXX, and XXXX. How can information that has allegedly been " verified '' vary among all three credit agencies? 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A ) Reporting information with actual knowledge of errors 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 2023-01-14 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: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation