vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed the Transunion requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX. I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.

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 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I bought a car from XXXX XXXX. Financed through Ally Loans. When I purchased the car I asked for a hard copy of the purchase, the interest rate, the payment book. I received none none of them. I was verbally told XXXX a month by the person who sold the car. Several years later I spoke to ally financial about a double payment. And to refund the other payment. They refused and said I owed it. That XXXX payment wasnt made. I got copies of 12 months of consecutive payments. Then I called again. And she said the car payment was XXXX not XXXX and I owed for all the times I didnt pay the extra XXXX dollars. Also, they never refunded the XXXX I paid twice for.

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 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/2022 I had lost my job and attempted to do a forbearance and they told me I have to have had the vehicle loan open for at least XXXX  months before allowing me to do that and to call back on XX/XX/2022 so I had to struggle for XXXX  months to make this expensive truck payment. 

XXXX XXXX approved XXXX forbearance but did mention I only get XXXX per year. so they took XXXX payment of {$1200.00} and applied it to the back of my loan. 

How does allowing someone that is struggling only XXXX time each year help a person? usually with the loss of a job you fall behind on bills until you find another, and even then, have to play catch up after a few paychecks.

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have noticed that my interest rate has gone up approximately by 5 % in the last XXXX with no notification or reason. I have contacted the credit card company and I was not provided a reason. I have always paid on time and I am being penalized, with a higher rate for no reason. I would like my rate explained as well as adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received an email from Wells Fargo on XX/XX/XXXX of XXXX informing me that they had decided to end their banking relationship with me for business reasons. I questioned what I had done wrong and felt bewildered and heartbroken. I phoned customer support right away, but no one there was willing to assist me or provide me any information about the circumstance. Later, I learned that my account was being closed by loss prevention, who had taken control of it and was terminating it later. 

Having remained a devoted Wells Fargo client since XXXX I wasnt expecting to be treated this way and certainly not without cause or prior notice. Although I recognize that banks are for-profit organizations and have the right to end their connections with customers at any time, I would have appreciated an explanation or perhaps some assistance. Sincerely believing that a mistake was made, I would like to request additional investigation on my behalf. 

I just read an article that indicated that some Well Fargo banking customers had their accounts closed without prior notice, despite some of them having been with the bank for 25 years or more. Another article stated that XXXX XXXX, a former fraud investigator for Wells Fargo, said the banks response to reports of some fraudulent activity was to simply close customers accounts instead of investigating what had happened. Instead of looking into fraud claims, the bank would instead save money by simply closing accounts under the pretext of a business decision. I firmly believe that I belong to the group of people who Wells Fargo has wronged.

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 2023-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the FTC, Consumer Finance Protection Bureau & XXXXXXXX XXXX XXXX XXXX  with legal action to follow.

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 2023-02-10 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: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.

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 2023-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. This medical collection is a violation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is about a closed complaint XXXX. Bank of America did not resolve my problem after XXXX  days as promised by their representative, it has been XXXX  months over XXXX days but my credit report still has the hard inquiry not belonged to me. 

Here is the response from BoA in the original complaint : " In the CFPB correspondence, you indicated that an unrecognized inquiry from Bank of America is showing on your credit report. Our research has confirmed that this inquiry is related to an account ending in XXXX that does not belong to you. To correct this, on XX/XX/2022, we sent the enclosed to letter as notification that we submitted a request to the consumer reporting agencies to remove all of our reporting for the account ending in XXXX from your credit file. Please allow XXXX  days to see the changes that we have made. ''

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 2023-02-10 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: MA

Complaint narrative:
Reported a late payment that I actually paid on time

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by Equifax and XXXX. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by XXXX and Experian. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.

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 2023-02-10 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: WI

Complaint narrative:
Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.

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 2023-02-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Reported a late payment that I actually paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: MA

Complaint narrative:
Reported a late payment that I actually paid on time

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 2023-02-10 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: TX

Complaint narrative:
To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Dear Sir/Madam : I hereby submit this complaint regarding the incorrect and untimely processing of my PSLF submission to MOHELA. 

I faxed my PSLF application ( which was filled out correctly with employment dates/signatures from prior employers since XXXX ) on XX/XX/XXXX. Each of my prior employers qualified as employers for the PSLF Waiver. At the same time I applied for a Direct Consolidation Loan with the US Dept of Education. During the subsequent weeks, I reached out to XXXX XXXX XXXX and MOHELA several times to inquire about the processing of my PSLF form. 

I called Mohela on XX/XX/XXXX and then on XX/XX/XXXX ( on hold waiting for XXXX hour and XXXX minutes ) and spoke with " XXXX '' who confirmed that MOHELA had received all the application documents and the application was complete and would be processed in about XXXX  days. 


On XX/XX/XXXX I received a letter that my Direct Consolidation loan application and request for PSLF was received. 



On XX/XX/XXXX I received a letter that my Direct Loan Consolidation Application had been processed. I then called Mohela to confirm receipt. I was then told that the application process would take about 60  days. 


I received a letter in late XXXX dated XX/XX/XXXX a letter via postal mail from MOHELA stating that I did not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ). I attempted to call MOHELA several times after I had received the aforementioned XX/XX/XXXX MOHELA letter to contest the insufficient payment assertion as it was clear that the PSLF form was not processed correctly by MOHELA per the PSLF Limited Waiver requirements. I finally reached someone on XX/XX/XXXX XXXX XXXX XXXX and spoke with " XXXX '' who told me that this was an automatic response and that MOHELA had my entire payment history and that the payments would be updated within their system and the PSLF forms would be re-processed further to the PSLF Limited Waiver. She further stated that the " team will reprocess the application, '' and " all [ of my ] forms were approved, '' that there was " nothing else to do on [ my ] end '' and that the processing of my PSLF form would take another 60-90 business days. 


Yesterday on XX/XX/XXXX I received a letter dated XX/XX/XXXX from MOHELA that I STILL do not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ADP Inc.
State: FL

Complaint narrative:
When my background check is submitted and ran they are using charges that are seven years old. According to the seven year rule these charges should t appear its been almost ten years and these changes are still popping up on criminal background check .According to the FCRAs 7-year rule, for example, certain criminal records must be removed from an applicants history after seven years.

These records include civil lawsuits, judgments against an applicant, arrest records, and paid tax liens. The FCRA also imposes a few additional restrictions on Florida employers.

Additionally, the FCRA requires employers who run background checks to ensure the information in the report is current and accurate. If it is not, an applicant has the right to dispute the background checks contents, which will trigger an investigation by the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Savvy Money, Inc.
State: WI

Complaint narrative:
It states that I open a line of credit in XXXX XXXX XXXXXXXX XXXX I closed on mortgage XXXX do not have open mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
The company is Venmo. 

When I attempted to a pay a vendor on XX/XX/2023, Venmo froze my account and requested government issued photo ID in order to unfreeze my account. I immediately provided an image of my ID. When I contacted Venmo the following day ( XXXX XXXX, XXXX  ), I was told that I would have to wait XXXX business days for the review process, and that the review process hadn't started as my issue had yet to be assigned to a XXXX. I was then informed by " XXXX '' ( the Venmo customer service representative ), that I would also not be allowed to access the funds in my Venmo account ( $ XXXX ) until the review process was complete. 

The Venmo customer service representative offered no way to expedite the review process, but did agree that freezing my money was unacceptable.

Company response to consumer: Closed with non-monetary relief