vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX the Executive Office XXXX XXXXXXXX to the XXXX XXXX XXXX XXXX of the WELLS FARGO verified my Account and Customership and same was augurred by XXXX XXXX of the same Office on XX/XX/XXXX. But for some unexplained Reason, the Customer Service, mentioned herein, was unable to a Check Cashing tithered in the Complaints. 

It should be noted that I received a Waiver of Exemption Check of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Dollars from the United States Department of Justice on XX/XX/XXXX as a Peremptory Exception to my Supreme Court Exempt, XXXX, Appeal in Nevada XXXX XXXX ( See, CFPB XXXX XXXX : XXXX for the Attachment of the Check, therein at-law. ) No Customer Services were able to cater to the Check Cashing, Complaint till date.

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 2023-02-07 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: AmeriCollect
State: IN

Complaint narrative:
IN REFERENCE TO Americollect XXXX XXXX : ACCOUNT XXXX XXXX as of XX/XX/2023, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The Equifax failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: CA

Complaint narrative:
TransUnion is wrongfully reporting a XXXX-day late payment on my credit report. The derogatory entry is dated XX/XX/XXXX on a XXXX XXXX XXXX  ( Student loan ) account. I have disputed this reporting error more than XXXX times with TransUnion and have sent a 'Method of Verification Request ' letter on XX/XX/XXXX. However, to date the reporting error has not been deleted nor have I received a specified response to my 'Method of Verification Request ', detailing how, when, and with whom this account was verified at XXXX XXXX XXXX The XXXX XXXX XXXX student loan servicing department was terminated in XXXX and when I called XXXX XXXX they were unable to verify any information regarding this account because they deleted all data of student loan holders and their payment information. Since no information regarding the XXXX XXXX XXXX  account can be verified, I would like this reporting error of a late payment dated XX/XX/XXXX to be deleted from my credit report. No other credit bureau is reporting a late payment on my credit reports. None of the other credit bureaus are reporting a late payment on this account.

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 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GFS, Inc.
State: MO

Complaint narrative:
I lived at XXXX XXXX for approximately ( XXXX ) years. The housing authority notified management that if certain repairs are not made, the residents would have to move. We were given ( XXXX ) months notice. I moved to my current address in XXXX of XXXX. Approximately XXXX years ago I began getting these notices from a collection agency Shaffer & Associates XXXX XXXX XXXX for {$1600.00} XXXX I contacted " XXXX '' the manager. She said to contact XXXX at the main office and let her know that it was NOT OWED. I never spoke with XXXX until today. She became belligerent saying I owed this money. I have no idea what this is about. I left with a clean slate. I've tried speaking to all ( 3 ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Every since I got the vehicle it had been nothing but troubletrouble needing it to be fixed because the warranty on it was only 60 days.after that I was on my ownthings started to get a bit slow for me income wise and I fell back on my payments which led to the company repossessing the vehicle twice.to get the vehicle back I had to pay high fee which did not go towards the amount that I owed, when I asked they said the payment was the repo fee and I still had to pay what I owed.also on my credit it says my the vehicle is repossessed and left a negative reviewAlso I feel like I was ripped of by this company that gave me a bad used car with bad parts and high payments.not to mention the harassment for payment because they call me nonstop right through..day and night back to back which cause me to stress.

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 2023-02-07 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:
The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.

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 2023-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC was holding my money and would not give it back. I filied a complaint with you. XXXX HSBC responded quickly, they closed the case, but now they have collection agency calling me constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2023-02-07 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: NY

Complaint narrative:
i noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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:
The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.

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 2023-02-07 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
company sent out affidavit form for theft and dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: CL Holdings LLC
State: MO

Complaint narrative:
company sent out affidavit form for theft and dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi allowed someone to change the address on my account to the following address XXXX XXXX AV, XXXX CA XXXX. I have never lived at this address, and I have never lived in California. The change likely occurred after issuance of my Billing Statement ending XX/XX/XXXX, and before the issuance of the Billing Statement ending XX/XX/XXXX. Enclosed is a copy of the Statement ending XX/XX/XXXX, which contained the fraudulent address. Citi has refused to remove a {$540.00} fraudulent charge for the purchase of tires at or from a store in XXXX. 
As of this submittal Citi has not explained how, when, and why my home address was changed and Citi never notified me of the address change.

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 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received the middle class tax refund, I activated my card and the same day I received an email from money network to open an account to keep track of my spending etc... 
so I did, I did not use the card for about a week, and when I did there was XXXX XXXX on the card. I called money network and filed a claim that my money was stolen, waited 3 weeks and contacted money network again and the agent told me that my information was entered wrong and that she would have to refile my claim and not to call back until XXXX XXXX i am a tax paying american citizen, I earned that refund and because of the shoddy handling of peoples information, and no security in place my money is gone. I have been waiting since XXXX XXXX XXXX XXXX was ruined I was counting on that money. can you please help me get my money.

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 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
My personal information was compromised and used to open fraudulent accounts and obtain goods and services in my name without my knowledge or consent. I have filed FTC reports for identity theft and contacted HARVEST ASSOCIATES Ito remove this account which was a result of identity theft and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX I received my XXXX XXXX XXXX with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX and on XX/XX/XXXX that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. Transunion has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint for the second time against capital one they have blocked my card because they wanted to verify bank statements where the payment is coming from. Thats all they told me they needed to see the last four digits of each account and savings and checking with my name on the bank statement. I have sent that to them. I got a call after three days saying they need to see the full account number is no need for them to see the full account number because the last four digits are already on the bank statements with my name on it I explain that to the lady. She says you need to show us the whole numbers I dont have to show nobody my whole numbers of my bank account. this is very ridiculous. I can not use my card, they block my existing credit. they also send me a card a XXXX  credit card that I did not apply for it. I thought they send me that as an offer I did use some but I ended up closing the card because I did not want it because it affected my credit report, I dont understand how they can offer me a credit card without my permission to check my credit.there customer service is very bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo unfairly did not offer me competitive rates during my mortgage refinance process and is overcharging me. Wells Fargo also concealed the fact that I was eligible for an escrow free mortgage causing me to lose potential interest income.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis keeps putting someone else who has a completely different name from me, different address and driver 's license number on my report. And it has caused so much trouble for me for my auto insurance. Their dispute process takes 30 days to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I am trying to get a complete payment history, which the lender promised orally and in writing. I made payments in XXXX XXXX XXXX  and XXXX XXXX  and I need proof of payment for the XXXX XXXXXXXX XXXX XXXX XXXX. Myfedloan promised a complete payment history in XX/XX/XXXX orally and in writing. They have since refused to comply. They only provided XXXX. At the bottom of the letter ( highlighted in the attached XXXX  ) Myfedloan stated : " You still have details to review! We weren't able to fit the financial activity for all of your loans on one letter. Don't worry! You should see another letter from us that includes the remaining financial activity history. ''

Company response to consumer: Closed with explanation