vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I went to pay the full statement balance of my Wells Fargo XXXX XXXX credit card today and the website was unable to inform me what the payoff amount for the statment was. I had already made a payment to avoid going over the credit limit and there were several refunds that had posted to the account before the end of the statment period. The website would only provide me with the total payoff amount ( which includes current purchases that are not subject to interest until the new statement period ). 
Every other credit card I have gives me three options, the minimum payment, the statement payoff amount and the total payoff amount. Wells Fargo does not provide you with a running total of the statemant payment amount.

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 2023-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
My parents were divorced when I was XXXX XXXX XXXX. 

I was raised solely by my mother. 

My father died XXXX of 2010. I'm a adult and have/had no means to take responsibility of his home or property. 

I'm an adult and he or his other adult children had no right to illegally sign/notirize my name to his land or mortgage and address it to his daughters home mailing address. 

The file shouldn't be attached to me. So far I've been denied XXXX ( XXXX XXXX income ) due to too many resources and I have none and the law firm assigned and the State of Oklahoma refuses to delete or remove the file. 

Never should my adult life be ruined with my father 's remains upon his death I was and will never in a position to live as he did. 

The property is not mine. It shouldn't be attached to me that causes random collection calls of taxes due and many people have began to name their children after me and XXXXor create imposters/doppelganger especially spouses that don't exist that often times lurk at the stairwell of the apartment complex where I currently reside attempting to recover from being homeless. 

The house and property is not mine ; he/they had no right to sign my name anywhere or notorize it to me ; I was an adult upon his death without any proper means or lifestyle to payoff his debt and he has/had 3 other adult children that he raised as military brats while married to my now deceased mother that he could of attached his death dead debt to especially based off the fact that he and them had solid relations as a family ; we didnt, I was raised as a complete bastards child by my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I paid an account with Truist via their online portal for the full amount on XX/XX/23 for {$2700.00}. SunTrust did not process my payment timely. I called SunTrust on XX/XX/23, concerned that my XXXX payment wasn't processed as made XX/XX/23 the next business day of XX/XX/23. 

I called in the payment to a representative since the payment portal would not take my monthly payment. The XXXX payment was submitted to a representative who did not see my account ending in XXXX on her system. The monthly payment was confirmed on XX/XX/23 with transaction # XXXX. 

I did not get an email notification of the error payment made by Truist for {$380.00} or the actual payment I authorized on XX/XX/23 of {$2700.00}. 

The Truits online payment portal is malfunctioning, processed payments that are not authorized {$380.00} ), and it does and did not notify me of payment in time to correct and make sure there is no late payment.

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 2023-08-02 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
I received a copy of my ARS report on XX/XX/XXXX and noticed 3 inquires that should not be on the report. On XX/XX/XXXX, I contacted ARS and placed a security freeze on my file. My information should not have been able to be accessed by these banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-02 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: FL

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 XXXX 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 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. 
I was shopping for a car at XXXX XXXX 
My credit was ran and I was only Approved for XXXX. Loan for car. 
I called the American Credit car loan company on my car to ask for the details On my car loan. I feel im being overcharged for the loan because I was only approved for XXXX and my ending charge off is higher than what I agreed to also its more than the car is worth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2023-08-02 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: Grain Technology, Inc.
State: FL

Complaint narrative:
Account was charged off and companies filed charges on taxes. The law states any accounts that are charge offs are considered incomes. This companies has been paid. this should not be on my credit. I'm trying to buy a house and its defamation of my character. I have no knowledge of these extra charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with 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 2023-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

CAPITAL ONE Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Synovus Bank
State: NJ

Complaint narrative:
Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has ben received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX I noticed two fraud charges, same amount, same date for a service I did not purchase. Wells Fargo Bank My biggest problem is my bank is penalizing me for the charge back. Without my request, they simply turned off that credit card. My problem is I have many vendors with whom I have provided that card number for recurring charges. 

Now, because I exerted my rights, I have to spend XXXX XXXX tracking down my vendors in may lose vendors. This could cost me greatly. 

I did not request the cancellation. I ask that Welks Fargo not charge back the fraud if it was going to burden me. 
They shut me down. 

I need help

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 2023-08-02 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I received two separate billing statements, one week apart. First statement was for a home improvement loan for {$50000.00}. Statements included a signature form to authorize them to setup automated clearing house withdrawals after completing the required banking information. I contacted them numerous times to straighten the matter out but they refused to discuss the matter unless I provided additional very detailed personal information, i.e. DOB, SSN, etc. 
Coincidentally, my husband received a similar statement from the same company indicating he had also taken out a home improvement loan for the sum of {$43000.00}. 
Neither I nor my husband have applied, received or requested a home improvement loan from anybody. 
The name on the statement is my former name from a previous marriage. 
This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I have had the Goldman Sacks " Apple Card '' for XXXX years & I pay my balance if full monthly and it's set up on automatic payments in full on the last day of the billing cycle. I have not had any problems before with this. I also have two checking accounts listed there for payments ( XXXX & XXXX ). On XX/XX/23 in the early hours of the morning I received a notification that my payment of {$1800.00} was " declined '' - but the account number listed was NOT from either of my accounts. I immediately pushed through a payment of {$1900.00} from one of my accounts and another of {$17.00} from the other- both went through & were accepted. I was also charged interest for this - to date {$64.00} over this matter. I spoke to Goldman over chat on XXXX about this issue ( transcript attached ). Goldman Sachs apparently has NO IDEA HOW this happened, can not explain it & in spite of my multiple attempts to work with them, will NOT investigate it or return a call to me with any resolution or explanation. The agents all state they can not even see or tell me what account rejected it, admit there are only my two working accounts in their system & there must have been a " glitch '', but they can not help except for a one-time courtesy waiver of {$25.00} on interest ( which still leaves me out nearly {$40.00} ). I did have another account ( XXXX ) back when I first opened this credit card but the agents have all assured me that the old account was indeed correctly removed by me in XXXX of XXXX and that it was not the problem. I am also concerned about any reporting of this to credit bureaus as a " late payment '', when I in fact was not at fault & not only paid it timely but pushed through another payment the second I was notified of this issue. Something is NOT RIGHT with their system & their customer service and ability to investigate the issue is extremely poor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023, XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN

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