vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NJ

Complaint narrative:
*Below description. Also see attached supporting docs, please* I went to XXXX XXXX XXXX in XXXX XXXX NJ on XX/XX/21 around the times of XXXX with my girlfriend. I might have had my credit card on the bar next to the running tab when I was ready to pay. When I went to close out my tab, the bartenders told me that the man across the bar took care of our tab so I didn't use my credit card. I only gave the bartenders a {$20.00} cash as tip. When I looked at my statement the next month, it had {$300.00} charge from the XXXX XXXX for that same day. 

I opened up a claim with my bank, Wells Fargo. After an investigation, Wells Fargo said the charge was authorized because the EMV Chip was used. I said that the charge wasn't authorized by me and reopened the case, giving them more info- I had my card out on the bar when i was ready to pay, which I hadn't told them before. After a second investigation, Wells Fargo came to the same conclusion. I opened the case again because I definitely didn't authorize this purchase and am still trying to get this money back. 

I had contacted the XXXX XXXX in the meantime to get any evidence that I could. They said they no longer had anything like a picture of the signature or any other evidence because it happened over a month ago and they didn't keep records for that long. Police report was also filed with all this info and sent to Wells Fargo.

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 2021-12-20 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: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received noticed from Experian that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking Experian to validate and verify this account, Experian stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore Experian did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.

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 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disclosed on my Consumer Report is a charged off account from XXXX Bank for XXXX dollars XXXX15 U.S. Code 1681c - Requirements relating to information contained in consumer reports a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate 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 2021-12-20 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM financial reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my GM Financial online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from GM financial collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from GM financial via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted GM financial, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the GM financial had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. GM financial sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. XXXX refuses to remove this negative mark from my credit report. So I have an issue with XXXX and GM Financial XXXX case # XXXX GM Financial account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from to have this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Apparently yesterday XX/XX/XXXX, there was two checks deposited into my account without my permission. One for {$8500.00} and the other for {$5000.00}, a total of {$13000.00}. Were in debt XXXX  due to this. Funds were moved around and sent to my XXXX  which was also used. I tried calling USAA to let them know it wasnt my husband or I. I told them when I went to the grocery store to get some food and stuff for my son my debit card declined. I usually have some money in my XXXX  so I used that in the time being. When I got into my vehicle and tried to log in to my bank app ( USAA ) it said my account was locked. When I got home I called the number it gave me and I was on hold for an hour and a half or so. I hung up in hopes I would have better luck of getting someone to answer soon. I was on hold for another 3 hrs and 48 mins. I was informed that everything was pretty much coming from my phone. That the checks were deposited from my device and in XXXX. I told them it wasnt me. They informed not much can do since they dont have much evidence from me to prove it wasnt me. My XXXX was hacked and my XXXX  too. I deleted XXXX in hopes to put a stop to the culprit from its wrongdoings. Ive tried calling XXXX  to inform them not to release the funds to them. They said they have a high volume of calls and I need to go through the app but I am having a hard time recovering the account in order to file a complaint. I recent called USAA again was told I have to wait another 3 hours. I have to call them once again in the morning and hoping I dont have to wait 6 and a half or more hours to get to the bottom of my situation. Hackers are so advanced now a days and can figure out how to make it seems my phone was being used from the same location and everything. Im the victim and my family and I are being punished for someone elses actions. I dont have access to my account nor my funds. God forbid something happens and I dont have access to my money to take care of my family and I. Were in the hole for XXXX and its completely unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I bought my daughter a XXXX gift card for my daughters birthday on XX/XX/XXXX. Immediately there were fraud charges on the card. We called XXXX customer service on XX/XX/XXXX to make a dispute for the fraud charges. We were told it would take 7-10 business days to get the replacement card and could take up to 15-20 days for the claim to be resolved. I received an email on XX/XX/XXXX confirming the case and charges being disputed and that the card and credit would be mailed out. Then another email on XX/XX/XXXX closing the case and refunding the money. We waited until XX/XX/XXXX, still no card. This time when we call Visa Customer service were told that the cards can take 15-21 business days to come in the mail and the card was mailed in XX/XX/XXXX. This wasnt told to us the 1st time when we made the claim, they said 7-10 business days. I asked what options do they have to replace the card and overnight one or to get a virtual XXXX since it has been so long and the card hasnt arrived. I was told there isnt anything that can be done and because of COVID this time frame is normal. But we were told 7-10 days the 1st time we called. I asked what compensation could be offered or any refunds on the cost to activate the card and was told there is nothing else that can be done. This is very inconvenient to wait a whole month to get a replacement card. I then asked if the card doesnt come by XX/XX/XXXX ( when they said it should arrive ) what happens then. The rep said they could reach out to XXXX to find out what happened to the card? As to say there is a tracking number or something. Still not offering the option to overnight the card or email a virtual card. I dont recommend using the XXXX gift cards to anyone with limited finances as they will leave you waiting with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from TransUnion file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide TransUnion with such information and therefore, this information was not properly verified.

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 2021-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy Record being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from Equifax Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore Equifax did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: MI

Complaint narrative:
I am a consumer and Transunion is violating 15 USC 1681 ( K ) my right to privacy by reporting a public record chapter XXXX Bankrutcy. I would like this removed immediately.

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 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disclosed on my Consumer Report is a charged off account from XXXX Bank. Under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 4 ) Accounts placed for collection or charged to profit and loss which antedate 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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing Midland Credit Management in XXXX, Utah saying I owed {$500.00} for my XXXX credit card account but Ive never recieved any kind of notification from MIDLAND CREDIT MANAGEMENT credit caard balance was only {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my XXXX XXXX online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from XXXX XXXX collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from XXXX XXXX via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted XXXX XXXX, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the XXXX XXXX had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. XXXX XXXX sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. Equifax refuses to remove this negative mark from my credit report. So I have an issue with Equifax and XXXX XXXX Equifax case # XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21 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: SC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation