vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have filed numerous complaints against a financial institution. My complaints have been ignored. The financial institution refuses to take any responsibility for what has happened and still is happening to me. The financial institution states that they paid me the money back. They did not. They state that they did not send my banking information to another person in another state. Two people were arrested at the address on my financial papers holding the banking information the financial institution claims they did not send. My identity has been stolen to the degree I am unaware of any way to fix this. This happened because of the financial institution. The financial institution gets to just walk away. They are not being held accountable for anything that happened financially or personally to me. I get to live with this huge mess. 
I have found there is no law enforcement of any kind that helps someone in the situation I am in. At the beginning until someone was arrested this past XXXX. I have been treated like a criminal. I have been accused of lying, stealing my own money and making the entire story up. Until in XXXX EVERYTHING that was stated in my 2 plus years of police report. was documented and proven to be correct. 
However, the financial institution still claims they didn't do this. Still takes no responsibility, and still refuses to give me back my money. looks to me like they won. 
I on the other hand am living with this identity theft created by the financial institution. XXXX knows how many people they " didn't '' send my information too. 
I would like this printed, I would like everyone to know, if you are the victim of identity theft. There is no one that will help you. You will not get your money back. And you will be drug through the wringer on any investigation law enforcement can dig up or create on you. Criminals have more rights than the public does.

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 2022-03-18 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
ATTN : CFO XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/Aidvantage XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and TransUnion consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( Transunion ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2022-03-18 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: NY

Complaint narrative:
ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my Experian, and XXXX consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( XXXX ) XXXX ( Experian ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2022, at around XXXXXXXX XXXX XXXX, I received a cold call from, what I would learn later, was 'Aidvantage XXXX, the company servicing federal student loans. 

My phone 's caller ID identified the call as being 'XXXX ' ( the company formerly servicing federal student loan repayment ). 

When I answered, I was transferred to a caller who attempted to tell me about the deadline on federal student loan payment deferment and options for income-based repayment when the deferment deadline lifted. This was all fine. 

However, the caller attempted to ask me to verify information including my address, email address, and phone number. First, several of those items were out of date ( I had long since changed them in the federal student loan repayment portal ). Second, I am unsure why they would solicit that information over the phone rather than directing me to the federal government 's repayment portal. 

The substance of my complain though is about misrepresentation. The person on the call, falsely or truthfully, believed himself to represent the Department of Education. He had no explanation for why the Caller ID labeled the call as being from XXXX. Nor did it seem odd to him that he ALSO stated that he worked for AidVantage, which is a private company working with the DOE. 

I think AidVantage is training their employees to misrepresent themselves and irresponsibly draw them into loan servicing schemes that they may not need or want under the guise of representing the DOE. 

Note : I will also be submitting this complaint to the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
In XXXX, XXXX  I reported to Union bank number of unauthorized transactions totaling {$5800.00} that have posted to my card ending in XXXX. 

On XX/XX/2022 the Union Bank denied my claim using the regulation E and stating that I was negligent in promptly notifying them and imposed liability on me in the amount of {$5700.00} honoring only {$110.00} to conclude the claim. 

I am appealed that the bank would use such a lame excuse in order to deny consumer protection that is guaranteed by the law. 

The regulation E makes it clear that the consumer is entitled to receive protection under regulation E even in consumer acted negligently.

The financial institution did not consider all the relevant information regarding the protection.

Regulation E takes into consideration extension of time limits due to extenuating situations.

In the past six months I have had to travel overseas for four weeks at the time to take care of a terminally ill father in law. I was absent from the country for many, many weeks.

I have communicated about my position to two different banking representatives and explained that since I was out of the country for very prolonged blocks of time I may have not acted by the books, and that I did not discover some of these unauthorized transaction on time. The larger debits that amounted to over {$5000.00} were reported within the 60 day time limit. The bank did not consider any of these facts when creating greater liability on me then premiered by the law. The bank representatives kept stating that I am not protected and were not introduced in hearing about the hardships that I was facing with extended travel and terminal illness of my close family member.

I am asking the CFPB to investigate and provide me with the protection that is guaranteed to me by the law. 
XX/XX/XXXX number of transaction with union bank reported them as soon as i seem them. XXXX union back denied the claim they only covered {$100.00} and the rest I'm just out all that money. I tried another time to get them to cover and no success.

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 2022-03-18 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: WA

Complaint narrative:
THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: KEYCORP
State: OH

Complaint narrative:
We ordered tacos from XXXX XXXX for a food order for XXXX. My credit card declined for no reason. There was $ XXXX available. I tried to use it again and it still declined. I called key bank and was told there was $ XXXX available so it shouldn't have declined. I called the restaurant and they said they could not see an order so We used my boyfriend 's XXXX for the order. I decided to view My account because I didn't understand why it declined. My card had been charged XXXX for an order that was paid for with My boyfriend 's card because mine declined. My credit score was lowered substantially because Keybank reported amounts of XXXX XXXX times to credit agencies. Because the lender charged My card so many times it increased My credit usage. My secured card had a {$300.00} credit limit. I disputed the charges but it was reported as an excessive percentage of credit usage which caused my score to drop. I called Keybank again that Sunday and was told the charges would drop. I disputed them anyway and checked again. By XXXX  XXXX had dropped but there was still XXXX lingering. I called the restaurant and the XXXX said he would let his IT dept know and that if I still had a problem to call him back but the only order he could see was the one under my name paid for with My boyfriend 's XXXX. I checked my account again on XXXX  and the XXXX charge for {$32.00} was still showing on my end. I called Keybank and explained to their repXXXX what had happened. She suggested that I order a new card because of all the problems with the card I used. I had already paused the card online myself and told the rep. I had frozen it until the confusion was cleared up. I called Keybank and tried to view my account. I couldn't view it. My credit card account had been removed. I spoke with the rep and was told there were XXXX charges showing again. I told the rep. I didn't understand how that could be when as of XXXX  there was only XXXX that needed to drop. If this isn't cleared up it will drop my score again because of the bank 's error. I called and the representative at Keybank said there is nothing she can do right now but my credit report should update once keybank reports again. I asked her if she knew when they would report again. She said she didn't know. So as the consumer my credit which I am working hard to rebuild is being destroyed by Keybank. This is not right! This is not fair to me as a Keybank customer. I sent the requested information to Keybank showing where the order was paid for with My boyfriend 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 I sent Equifax a letter disputing the XXXX XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified. I disagreed with their report and sent another letter on XX/XX/XXXX asking for another investigation with proof of who they verified the account with as well as to delete the account. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I received a letter on XX/XX/XXXX with a credit report. This still showed the account as verified with a last payment of XX/XX/XXXX and the first delinquency as XX/XX/XXXX. I then sent a letter showing that his account has continued to show as charge off since XXXX. This a manipulation of the statute of limitations. I received an updated credit report on XX/XX/XXXX and this account still remained as verified. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this possible? I have also sent in a letter showing I have been in default with the company since XX/XX/XXXX but again this has not been updated with Equifax to show the correct date of delinquency. Equifax is also reporting the last payment as XX/XX/XXXX. There was no payment made on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly 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 2022-03-18 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: WI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE 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