vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TransferWise Ltd
State: FL

Complaint narrative:
On XXXX  I submitted to WISE card the following information, whereby initiating a review/dispute of my account : As a traveler, I use Wise. I used it on XX/XX/ to pay a cab driver in XXXX who charged me XXXX pesos ( for a ride under one mile ) and I saw him enter the amount as XXXX thinking he was doing so correctly. It turns out that he failed to enter the decimal XXXX and my card was charged XXXX pesos for a ride of one mile. Please know, no receipt was offered as he specifically asked me if I wanted one and I said Wise would send me the receipt. 
Wise responded with the following : We couldnt confirm that transaction # XXXX was unauthorised. You can review the info that we used to make our decision. If you would like to, please reply to this email and let us know. 
I then filed a complaint with XXXX  - to which WISE than responded : It looks like you have made the purchase with a scam merchant, and sadly you will most likely not be receiving the goods you purchased. I have filed a chargeback for your transaction to the XXXX network. I have also issued provisional credits to your account. From here, the merchant will have 50 days to respond to our dispute. Should there be any updates, we'll let you know. If you don't hear back from us in 2 months, the credit will be automatically considered as final and the chargeback as won. 
Wise also suggested I get a new card but as I am in XXXX, they won't send me a card to my address here and I do not see traveling to US just to pick one up. - I can not afford the USA on my ssi. 
I currently have a provisional credit however WISE failed to provide the Cab driver info as requested. I seek assistance to solidify the credit and remove it from provisional as this was clearly a negligent situation on behalf of the cab driver, the cab company and Wise denying my request. Wise offers exchange of the USD in all foreign currency but fail to understand the monetary system within that country and how the monies are posted and listed. This was an honest error on behalf of the cab driver and I have never ever spent that much money on any account in the length of time I have used Wise. Why did they not provide the info as requested but offered me a provisional credit instead? I never belonged or have been a part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TN

Complaint narrative:
I got a jeep with XXXX XXXX XXXX XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the jeep and I had a payment agreed made with courts. XXXX XXXX did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to Experian with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and Experian still not fix it. Then after I made the payment left I get a alert that XXXX XXXX reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with Experian for them to state the info was credit. How is this possible??? I contact XXXX XXXX and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/22 a payment was made to my Huntington Bank checking account of XXXX. The payment was sent by XXXX XXXX. XXXX Bank verified that it was sent to my account yet I have not received it. I inquired many times at Huntington Bank both in person and online only to be told to bring them more information to help them find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Repeatedly calls all hours of the day and night!!! Uses different numbers to try to get me to answer!! Threatening me to take action even though Ive been to court with them in the past! Im receiving XXXX and this has been going on for years with them!! Now theyre calling and actually hanging up on me now!! Its driving me crazy!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My complaint is about Transunion. If you're straight and get married and change your last name they're happy to update your info just by being told. If you're XXXX  like me they require you to send all your documents through mail and wait 2-3 weeks. This a policy specifically designed to target XXXX  people and make it harder for them to get their information to match. Both XXXX and XXXX have options to upload the documents to your account and have them reviewed from there. So there's absolutely no reason why Transunion is having XXXX  people mail documents UNLESS it is meant to target us specifically. 

Agent I spoke to was XXXX XXXX, she tried to claim this wasn't to target XXXX  people, but then also refused to tell me how to file feedback about how it's an unfair policy.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: VA

Complaint narrative:
This mortgage company is offering {$2000.00} egift cards for using their mortgage service. That seems like a thing of value, and requires you closing a mortgage with them. How is this allowed? 

This same offer for {$2000.00} egift card is on their actual website.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NY

Complaint narrative:
I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX - XXXX XX/XX/XXXX I received multiple emails from Bank of America ( I am a current customer, mobile and desktop usage ). First email " Your Statement is ready, XXXX business account '' Second email " Verify your Email '' Third email " Welcome to Online banking, with your new account '' Forth email " Unable to Open your Online Account '' - This is when I contacted Bank of America and reported the activity. I was informed that an attempt to open an account had been made ; it was confirmed. However, no additional investigation would ensue beyond that point, because the account was never actually " Opened '' per their standards. So I received a follow-up email with " Tips and Tricks '' for responding to fraud on your own as a citizen. It was useful - I followed the email 's suggestions and it reminded me that this happened same time last year XXXX have the old FTC reports saved, credit freezes are in place for me since XX/XX/XXXX. So, this is a pattern officially, and I want to increase my protections ( if such a thing is even possible ) I want to get a deposit account review for my XXXX also! The XXXX was the newest resource for me; led me to this form at the CFPB.

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 2023-04-26 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I used the XXXX XXXX XXXX XXXX Credit Card to order a {$500.00} XXXX gift card online on XXXX  to my address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IN, XXXX. But I did not receive it. XXXX insisted that they have delivered it. There is no building number in the photo XXXX ( in the attachment ). Thus, they may not deliver my package. Even if they delivered it, I did not receive it so I guess that the package was stolen. 

According to the regulations shown in XXXX  ( in the attachment ), my case satisfies that the " an item You purchase is damaged or stolen within the first ninety ( 90 ) days from the date of purchase ''. According to the XXXX, I filed a claim in the 90 days. Thus, I think that Wells Fargo should reimburse me {$500.00}. However, in the phone call recording " XXXXXXXX XXXX XXXX XXXX XXXX '', they said that they have lost my dispute and denied this claim. 

Thus, I would like to ask for help from the CFPB. Than you so much!

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 2023-04-26 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: LA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

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 2023-04-26 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: LA

Complaint narrative:
First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with AT & T because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, Experian and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, 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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
SUNRISE CREDIT SERVICES ( XXXX XXXXXXXX XXXX ) is a result of identity theft. I recently discovered through my Identity monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
In XXXX, while living in XXXX, GA, I was contacted about a debt by the law firm of Zwicker and associates ( XXXX ), with whom I set up a payment arrangement. The original debt balance was {$5600.00}. I contacted XXXX XXXX  who informed me that the debt had gone to collections and they had no further information. The paralegal at Zwicker with whom I spoke told me after I had made a couple of payments that because of COVID XXXX XXXX  ( the debtor ) was suspending payments and probably dismissing them in light of financial hardships. I was told that Zwicker would notify me when or if payments would resume. I have since moved to North Carolina. 
Approximately a year later in XXXX I was served with a notice that a judgement had been found against me. I was given no notice that this was considered and it was a complete surprise. I tried contacting Zwicker and was given a run around without any one person explaining why or how a judgement could be placed against me without any notification or offer to begin repayment. 
Since then, I had not had any further contact from Zwicker until XXXX of XXXX when I checked my bank account and found that both my savings and checking accounts had been emptied and a hold was placed on my account. I contacted my bank who notified me that Zwicker had slammed my account, garnished my monies and placed a hold on the account. They could give me no further information and told me to contact Zwicker. When I called Zwicker, they told me that it was a legal hold and that I needed to talk to my bank. They also told me that they were unable to contact me which is funny since they were easily able to access my bank records. Further, I am not in hiding and my location is easy to determine. 
My issue its that Zwicker acted unscrupulously and without warning or notification after an extended time of no action to wipe out my entire savings and checking. I was given no notice that any action would be taken and since such an extended period had gone by without any action or notification, I had forgotten about the issue and assumed that the debt had been forgiven, as many credit card debts were at the time. To restate, Zwicker had told me that XXXX XXXX  was suspending payments and might forgive the debt do to the economic hardships caused by COVID. They told me that they would contact me at a later date regarding the status of the debt, which they never did. Almost three years later, they wiped my account clean without any warning or notification and froze my accounts. Since I had several automatic payments tied to my checking account, this put me in greater jeopardy. 
I have since learned that Zwicker and associates routinely acts in this manner without regard to the impact on my life and is regarded as one of the most unscrupulous firms in the business.

Company response to consumer: Closed with explanation