vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for the card noting that, like all cards, it can be added to phone ( XXXX XXXX XXXX ) wallets. When I received it, this failed to work, I worked extensively with their agents to get it to work to no avail. They admit this is a widespread problem and theres nothing they can do. I advised this is a dealbreaker and that Id want to undo the relationship and Id need the credit bureau inquiry dropped as they have not delivered the key feature they promise and are unwilling/unable to remedy that. I have told them that if they can fix the problem fine, but they have not. I feel I was brought in under false pretenses and should not take a credit hit for cancelling this card.when I told a supervisor that it was unacceptable that they said it wouldnt work and there was nothing they could do, she laughed at me!

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account is reporting as a collection on my report despite not having monthly historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are inaccuracies in my credit report, such as incorrect addresses. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated. ''

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Noticed on date XX/XX/2023, withdrawal from personal checking account. I contacted institution to reported a claim with bank. XXXX XXXXXXXX XXXX XXXX LISTED UNDER XXXX  XXXX. showing 2 transactions one amount of {XXXX and another for XXXX  I did not authorize these credit cards. Please review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Experian. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX XXXX list me as an authorized user on any accounts. This is a violation Also, Transunion, XXXX and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation

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 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I received this text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : " Here is your acct info from XXXX. Visit XXXX XXXX XXXXXXXX or call XXXX. See details : XXXX XXXX stop to end '' Because of the deluge of spam by text and calls, I ignored the text and hesitated to follow the link because I thought it could be a scam. I did not receive any other notification other than the texts. I did contact the company after receiving an alert from my XXXX account that I had been reported to credit companies. They claimed that they usually send written notice but had no record of it being done. 

I believe I was inadvertently sent to the debt collector, and I am addressing this with the facility I was billed by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is reporting as a collection on my report despite not having a consistent and reliable historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian.

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 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Companies Involved XXXX. Trans union XXXX. XXXX XXXX. Experience XXXX. Deserve XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX reported my account as a charge XXXX XXXX of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the XXXX credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/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 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: PA

Complaint narrative:
I received a phone call on XX/XX/2023 at XXXXXXXX XXXX  from the Afni subrogation department, during which a representative of the company essentially threatened the suspension of my driver 's license and registration if I do not pay the debt that they allege that I owe. The phone call was an attempt to collect on an alleged debt, and the representative tried to use scare tactics to motivate me to acknowledge and pay said alleged debt. It is my understanding that this is not a legal practice by collection agencies, and according to section 807.5 of the Fair Debt Collection Practices Act, the threat to take any action that can not legally be taken or that is not intended to be taken is a violation of this section. I believe that the representative of Afni collections violated the FDCPA by repeatedly suggesting that my license would be suspended if I failed to acknowledge and pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I have a title loan with titlemax and the total loan amount is {$2000.00}. Every time l make a payment the loan goes down but then I check later and it goes back to {$1500.00}. I have checked the total amount of payments I've made and it comes out to {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I applied for a loan for {$6000.00} with Transform Credit Inc . I was told I was denied the loan so i responded to the denial asking them to retract my application. The company stated that the application was canceled, which I am aware can not happen after they placed a signature on the Note. After i informed them that I wanted my application back, they continued to state that the application was canceled and there was no signature so it wasnt anything they could do other than cancel the application. I informed them that they were committing securities fraud and are obligated to disburse funds due to the signature being on the Note and having access to my securities. They have yet to disburse funds and have not responded to my last email. Im not sure whether or not they are aware that they have sent me a copy of the promissory note and it clearly states " signature of borrower '' with my name beside it. They have not sent any funds to my account as they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Have repeatedly requested that Wells Fargo stop withdrawing money automatically fom my account for several years. The money was last withdrawn on XX/XX/2023 Official interpretation of 10 ( c ) Consumer 's Right to Stop Payment ( 1 ) Notice. A consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 
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 monetary relief
Consumer complaint received 2023-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Equifax listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, Equifax and XXXX has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
XXXX, Experian and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, XXXX and Ecperian has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation

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 2023-12-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax responds that they can not find a file or that perhaps it is because I do not have open accounts, but I do have them these are my accounts XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of a phishng expedition on XX/XX/XXXX by someone claiming to be XXXX security. They scammed my bank account after asking for a screen share. I lost over {$12000.00}, I went immediately to my bank branch and my personal banker filed all the necessary claim requests and changed my bank and credit card numbers instantly. The bank investigated and said the transfers went to accounts at XXXX XXXX BUT alas said they could not refund as the scammers made it appear I authorized the transfers... .which I did not. They informed me of the bank policy on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: NJ

Complaint narrative:
Company reported wrong information as missed payment on my credit report and didn't updated my last payment for XXXX I'm always on tract it's the company bank problem which send back the charged amount in bank account and then again tried to charge and they do it XXXX 4 times a month And they didn't reported my last payment and they did updated the credit but didn't updated my XXXX payment On my side I'm on time and their bank is making it late so why they are blaming on me, All this started happening when I was trying to resolve the CAR Registration problem and was requesting documentation to change the registration from my name to my dad 's which is the real person and I'm just a co signer, why do I suffer all this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the COVID-19 pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the CARES Act provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.

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 2023-12-16 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: TX

Complaint narrative:
I am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the XXXX pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the XXXX XXXX provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.

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 2023-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: CO

Complaint narrative:
In XXXX of 2021, XXXX XXXX acquired my student loan from XXXX XXXX. My monthly payment is {$50.00} at a fixed interest rate of 5 % ( see attached XXXX XXXX ), I have never missed or been late with my payments. Just before XXXX, I noticed that an inordinate amount of interest was being added to the principal loan balance. 

After my last monthly payment, my balance was approximately XXXX. At 5 % interest, this would have added about XXXX ( 5 % of XXXX = XXXX = {$9.00} ) on my next payment due on XXXX. Instead, the company website reflects an increase to XXXX ( see attached ) which is an increase with interest amounting to about 19 % ( 19 % of XXXX = XXXX = {$35.00} ). 

As a result of their failure to reply to my inquiries I, of course, have not made the most recent payment. As, with such wild swings in the interest rate, making my XXXX payment, I will never see the end of this debt. No reasonable or responsible person would pay under the circumstance of the company breaching the agreed fixed interest rate of 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Bought a XXXX XXXX from XXXX XXXX. I a loan from XXXX. The system is not performing to what XXXX XXXX said it would. The sell pitch was that the system would be designed so that I would not have to pay XXXX for power and maybe get a refund for power that I created. Now the company has closed their doors and I will have no way of getting my system fixed. I am also now paying on the loan for the system and XXXX for a system that is not working right.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in 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 explanation