vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX EST I've issued a request to convert XXXX USD to XXXX XXXX XXXXnclusive of all fees via Wise. The rate expired due to a technical difficulty on the Wise side, they are holding my funds in their accounts refusing to respect our contract. I am calling for a deeper investigation not only to my case, but all other customers that may have been affected. 

Wise provides a guaranteed rate for a certain amount of time. I have received a confirmation email from my bank XXXX XXXX that the money transfer has been processed on XX/XX/XXXX XXXX AM, XXXX within the timeframe for the guaranteed rate. 

My membership number with Wise is : XXXX Additional factors : * XX/XX/XXXX was XXXX day, meaning no bank transfer could've been processed during this day. I have set up my transfer to Wise immediately after filing the request with them on XX/XX/XXXX. I also reached out proactively to Wise support on XX/XX/XXXX as soon as I heard it no transfers are being processed that day and was reassured by the agent. I also provided confirmation that I issued the transfer already. 
* On XXXX XXXX Wise announced XXXX their website that they are having technical difficulties with their systems causing delays in transfers issued via bank transfers. 
* On XX/XX/XXXX I called into the call center and Wise told me they are going to investigate but refused to release my money and respect their guaranteed rate without fault on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I was working with a credit repair company. They obtained my personal information under the false pretense of helping me repair my credit. They moved on to open several credit cards and max them out as well as take out loans from banks. Once I became aware of this I filed a police report this was in XXXX. Even with that these XXXX were still using my information and going into my bank account taking out money all the way up until XXXX. I was not sure how to deal with reporting this outside of filing a police report. I did close the bank account. There was credit card maxed out and a loan taken out in my name which I found out was done online for XXXX. These XXXX accounts are now in collections and I have tried contacting them via certified Mail letting them know this is not my debt. As well as letting them know they are in violation of my consumer rights.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Account # XXXX & XXXX is showing this account as open when indeed its an closed account and displaying inconsistent opening date across all three credit bureaus which is a violation according to the FDRA. This is affecting the amount of time that it shall stay on the report and delinquency date.XXXX  has also not updated the statement showing as disputed which is also a violation

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Account # XXXX & XXXX is showing this account as open when indeed its an closed account and displaying inconsistent opening date across all three credit bureaus which is a violation according to the FDRA. This is affecting the amount of time that it shall stay on the report and delinquency date.XXXX  has also not updated the statement showing as disputed which is also a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One should be investigated for XXXX. This Creditor unbeknownst to many borrowers, allows sensitive personal information to be at the hands of countries overseas. I do not trust my information in the hands of any nations overseas nor did I agree to my information being in the hands of individuals apparently having access to this information from outside countries. 

If Capital One put this in their terms and conditions, it is either difficult to find, intentionally misleading, or is omitted altogether. Given Capital One 's disastrous history with data breaches occurring, I believe Capital One 's entire business capital should be temporarily halted until it is determined the company can be trusted. Not informing potential borrowers of this outsourced handling of information is a breach of trust and a very sneaky and underhanded way of allowing American information to leak. I will be working closely with a law firm to affirm a class action lawsuit regarding this type of behavior. Any Capital One employee engaging in or allowing personal information for borrowers to be accessible to outside nations should be prosecuted for violating the security of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: OH

Complaint narrative:
SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory 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 2022-11-15 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-15 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-15 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: OH

Complaint narrative:
SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SECURITY CREDIT SYSTEMS INC
State: TX

Complaint narrative:
The company calls before XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
An account closed on XX/XX/2017 for a reported balance of XXXX has been reporting on my credit profit as a payment after charge off/collection settled for less - less than the full balance, which is inaccurate, I have contacted the company and the credit bureaus regarding this inaccurate issue but nothing has been done regarding the issue.

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 2022-11-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX  XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo sent out super checks with promotional material that said that I would have no interest for any check I used for 15 months and that there would be a 4 % upfront fee. I wrote one check for {$10000.00} in XXXX and one for {$3000.00} in XXXX. The 4 % ( {$540.00} ) was added to my balance. I paid off any regular credit card charges every month but I kept on being charged interest. I called and they told me that was just how the system worked. I have called multiple times and have been progressively moved up the chain but the answer remains the same. The super checks totaled {$14000.00} and my current balance is {$13000.00} and I continue paying interest every month even though I stopped charging anything on my account months ago. My complaint is how can I owe interest when the balance is lower than the amount I wrote the checks for plus the 4 %. And if it is just the way the system works then how many of the thousands of other people who did this are also getting charged interest on their no interest supercheck offer?

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 monetary relief
Consumer complaint received 2022-11-15 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: COMMERCE BANK
State: IL

Complaint narrative:
Checking account opened without making inquiry to credit report to verify identity of opener

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capio Partners, LLC
State: PA

Complaint narrative:
So I was work yesterday I was called by capio partners admitting on the phone that they called me at work, told me oh your work sounds really busy I told them not to call me at work, Im in state law enforcement facility. ( XXXX ) you can not be calling a law enforcement agency disrupting the phone lines that could be potentially emergency communication coming through, they have told my commanding officers of said debts, they have called and harassed my place of work asking for me, even when Im not on shift. They have leaked personal information have constantly blown up my phone sometimes past XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX  account is making a negative impact on my credit report the account been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NV

Complaint narrative:
No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian 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 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 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 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 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

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 2022-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
I stop making payments in XX/XX/2022 because my income was less, I got behind 5 payments in Total {$6800.00} and I need to pay the total amount, if not is going to foreclosure and dont want to lose my house..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a vehicle 2 months ago and I paid the person with XXXX, and he assures me the car fine, I XXXX XXXX the car and it was perfectly fine, but after a couple of days a lot of issues started to happen and now the car is parked with repairs of more than XXXX, next 2 days I called and text the seller and never got a reply, and now my bank which is a bank of America is not helping me get my money back, please I need someone to help me. The amount is more than XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation