vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: GA

Complaint narrative:
Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested

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 2023-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Aspire Visa did not offer arbitration per our contract on disputed amounts and charges. They sold the debt to XXXX XXXX XXXX without resolving dispute.They are both reporting negative information on my credit bureaus in error making a double negative impact on my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo sided with a fraudulent company that I bought a flight ticket from. A business that was charged by the department of transportation for mistreating their staff and people with handicaps poorly. 

After banking with them for almost 20 years, I now realize they will never change. They will continue to be a shady institution that steals and cons their clients. 

After everything I went through with surviving XXXX. XXXX, Loosing my job, I have to deal with the emotional stress of dealing with this business. 

They garnished 2 weeks of my wages, to pay off what they owe to the 1000s of people they scammed. XXXX, I will be posting complaint after complaint. I will continue to look for additional information to support and corroborate my complaints against Wells Fargo for EVERY year, that I've banked with this scam of a bank. 

When the opportunity comes to take legal action, I WILL. Sooner or later... 

I won't ever forget, how your bank has treated me and other clients.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WA

Complaint narrative:
Over the years I have had the card there has been several troubling issues. On occasion when before I have the chance to make a late payment -- -I get another " punishment '' -- the card locks when I am in public using the card. Early this year I am obviously paying the card off and corresponding with the XXXX XXXX card XXXX number -- they refused the card payment. I always had to talk to " girls '' they would pass me around on phone calls!! More Punishment!!! They even hung up the phone call once!! I contacted my Attorneys and also started a complaint early this year!!! I just received another email " they want to talk again ''!!! Now the balance of the credit card is {$1700.00} dollars!!! More punishment??? I am disgusted with this intentional harrassment and ruining my credit score!!! XXXX XXXX XXXX card girls need to go Prison!!

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am disputing the whole debt of {$110.00} for Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed this debt with previous debt collector XXXX XXXX XXXX and they ruled in my favor and dropped further action. 
I sent the second collection company Sunrise the same documents supporting I do not owe this debt and they refuse to drop the collection. 
XXXX ( XXXX ) continued to charge me an additional {$10.00} each month from XXXX XX/XX/XXXX, totaling {$130.00}, for a modem ( equipment ) I returned back on XX/XX/XXXX. I was told when I returned the equipment on XX/XX/XXXX the modem fee of {$10.00} would be removed. When I brought it to their attention, several times over several months, they continued to tell me it would be taken care of and credited back to my account. This had been going on for over a year with no response or resolution so I cancelled my account. 

It's a shame companies like this still exist and try to take advantage of consumers. When you call and try to get the bill, bills corrected you are met with countless phone calls and wasted hours to no avail.I feel this is a commonplace tactic nowadays, especially XXXX ( XXXX ) to try and wear us down enough so we, the consumer, pay even though we don't owe it!! 

In reality, XXXX ( XXXX ) still owes me {$130.00} in fraudulent charges on my account. Once I receive a check in the amount of {$130.00}, that they owe me for illegally charging me for equipment ( modem ) I had returned, I will be more than happy to pay the {$110.00}. Or XXXX can credit my account the {$130.00} they owe me in which the charge of {$110.00} will disappear and they will still owe me {$15.00}. The receipt from XXXX on XX/XX/XXXX is my proof I returned the equipment ( modem ). Also you will find in my monthly statements my proof they continued to charge me the {$10.00} fee. 

Thank you for your time, 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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX my account down due to a 3rd party check. They refuse to send the remainder of the money left in my account. This is causing me a lot of stress & financially impacting my ability to take care of my family & pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize these accounts/inquiries on my credit report XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX * XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX Location:XXXX XXXX XXXX fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX Location XXXX XXXX, XXXX oh XXXX In accordance with the Fair Credit Reporting act . The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to. privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Ollo Card Services, XXXX XXXX XXXX, XXXX XXXX NY XXXX has always said my payment is late and charge me a fee ; even though I mail it in plenty of time. I have complained to them but they just say mail it earlier. This month, I mailed it TWO WEEKS before due date and they still said it was late. I think they are doing this deliberately to charge me a fee.

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 2023-08-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-08-21 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: OH

Complaint narrative:
EQUIFAX has caused my file to include mixed information and refuses to properly amend it in a timely manner. Their report shows only two addresses, and both are outdatedthe most recent is over 6 months old. The current address of XXXX XXXX XXXX XXXX XXXX previously and correctly appeared on my Equifax report. It is now missing, and I did not make that change. My creditors correctly report my current address to XXXX  and XXXX, as they did with Equifax. 

I have called Equifax twice. They can not authenticate my identity via their primary system, and I am forced to endure a lengthy process with each call JUST so they can file an IT ticket or help in anyway : they refuse to help in any way until Im fully verified. 

Equifax has refused to provide a fax number or electronic means ( web form, etc. ) to expedite resolution ( adding my XXXX address ), and they continue harming me by forcing me to mail documents to them. The delay is harming me because I can not access credit or credit monitoring, among other. The requirement for physical mail is not acceptable, especially since Equifax is entirely responsible for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-08-21 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: U.S. BANCORP
State: CT

Complaint narrative:
XXXX does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by XXXX. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXX ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. 

I am now having the same problem currently trying to get my credit report from XXXX. Upon calling them this time XXXX XXXX ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX and Elan Financial. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to Elan Financial card member services ( XX/XX/XXXXXXXX  ), and was told to call XXXX because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.

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 2023-08-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested

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 2023-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My mortgage was refinanced in the amount of XXXX without my permission, Also to know use of mines as XXXX was added to my mortgage principle, I didnt receive a lower interest rate or cash out but its all written into a new contract by SLS this is unlawful and fraudulent doing by Specialized Loan Servicing as there hold no PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature, A LOAN mean Debt evidence by Promissory Note plus interest, A promise to pay doesnt constitute a loan.I have no contract with this corporation and would like them to stop

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 2023-08-21 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: FL

Complaint narrative:
The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX  Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
It is impossible to get in contact with Aidvantage customer service. When I try to use the chat it always says, " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Why would the federal government send student loans to a company that refuses to hire enough staff to answer the questions of borrowers? Loans restart in 10 days, and I have no idea what is going on with my loan/my application for a new repayment plan. 

When you call, you are left on hold forever, with no estimate on where you are in line/how long the wait might be. This is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2023-08-21 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: Self Financial Inc.
State: NY

Complaint narrative:
I had my phone stolen some time ago and its been longer than XXXX years with XXXX XXXX and I called them right after it happened

Company response to consumer: Closed with explanation