vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-13 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Account 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 2022-06-13 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: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Good morning Aware we were almost done with the car payment we placed a call to ask for the pay-off amount to ensure we were sending the right amount. 
Last payment of {$400.00} was made on XX/XX/XXXX ( monthly payment was {$380.00} ). 
As with other accounts we were waiting for the car title but never received so on XX/XX/XXXX another call was placed to ask them about the title. Customer service checked my account and after a few minutes I was told everything was in order that if I want the car title I need to request it at my county or local DMV. 
Recently I was notified that there was a event to my credit report which affected my credit score ; when I checked my credit report I noticed the loan in question ( PNC Bank/BBVA ) is sending them a report as I owe them money. Like I owe them for XXXX payment and this event is affecting my credit score negatively. I was never late to payments and I did my due diligence to call and ask for a pay-off amount. 
Wanting to clarify this situation I called again XX/XX/XXXX. On this day, I got transferred on multiple occasions and after a little over 2 hours I was told that it shows I owe money but that someone will call me to clarify the situation with me. Also my contract that i sign on XX/XX/XXXX stated that my monthly payment is {$370.00} but them pnc change to {$380.00} without explanation. If someone show up and repocess my car for this I will contact an attorney, I still waiting for my tittle. I contact them numerous of time with no resolution This situation is not the best for customer satisfaction. 

XXXX XXXX she call me XX/XX/XXXX and she was rude, liar, incompetent and disrespectful. I pay my bill on time but PNC ruin my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Par both open XX/XX/XXXX That information is incorrect.

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have, with help from my daughters, tried to close my bank accounts and credit cards at wells Fargo. I moved from XXXX XXXX XXXX  in XXXX of XXXX. There is no Wells Fargo branch here and after 6 calls I still have not been able to close the Card account.

In the first place the card account was opened without my knowledge. 
When I called to close all accounts they closed the checking but not the card. the fees then overdrew my account. 
My daughter was on the phone with me when the 4th call was made and all we got was run around. She got upset and called it fraud at which point they transferred the call to the fraud department. That person closed the account and said a new card would be mailed. We told her to just close the account..NO new account. No new card! They did it anyway.

Called again with my other daughter and got transferred around again and after 20 minutes on the phone the women said she would close the account. She said please hold and disconnected the call.

Seems that Wells Fargo can't get away from there evil ways of scamming and misleading people.

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 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GLOBAL SOLUTION BIZ LLC.
State: NC

Complaint narrative:
On XX/XX/2022, we were contacted by a collection agency that we had a debt settlement with. We had been paying this agency to allege settle the debt they claimed we owed sense XXXX of XXXX. We did not us wisdom and should have asked for proof of the debt. The agent over the phone pretended to be the original creditor. We should have requested proof of the debt. Today we did some research after a few shady phone calls from this collection agency. Apparently, we did not owe the amount after paying {$1000.00}. They had settle for {$1900.00} stating that we owed {$5000.00}. What can I say, we got scammed. Thank goodness for our XXXX  XXXX who stopped them from scamming us. They tried to charge us for a return payment and the account of the returned payment didn't belong to us. They continue to call, text and hoarse us for payment with no proof. They want send us any proof of the debt! We just found out today that they are a collection agency and this could be anyone 's debt. The document that I am attaching is fraud and the card number on the document is not our bank card number. If they didn't charge our card ( thank goodness ), whose card did they charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MD

Complaint narrative:
XXXX XX/XX/XXXX, I received a notification from both XXXX XXXX and XXXX whom I use credit monitoring services. Both services notified me that a late payment was attached to my account from XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX stated I was {$130.00} past due which is inaccurate. 

I have had a car loan with XXXX XXXXXXXX XXXX since XX/XX/XXXX, which at the time of writing this I have made XXXX payments on time. My payments are due on the XXXX of every single month so I make sure that I dont process a payment more than 30 calendar days past that. XX/XX/XXXX, I made a payment through XXXX XXXXXXXX XXXX customer portal as I always do. Even though I attempted to make the payment they would not allow my payment to process until XXXX days later ( XX/XX/XXXX ) not removing the funds from my account until XX/XX/XXXX. Because of this timeline they reported my account as past 30 days late even though I at least attempted to pay my account within the 30 calendar days they just took XXXX days to process this which is out of my control. This dropped my score from a XXXX to a XXXX which is completely unacceptable. I contacted XXXX to resolve this on XX/XX/XXXX at XXXX and spoke to a woman named XXXX XXXX She explained that there was nothing they could do and that I would have to file a dispute with the credit bureaus and then they would contact them for an investigation into the matter. Now I know that is everything but the truth because XXXX XXXX XXXX is my direct lender and they have access to every single phone call, payment transaction, reporting and everything else related to my account which is why both XXXX XXXX and CFPB both asked did I contact my lender to resolve this. I did contact them and she did not want to do her job even after taking my social security number to pull up my account. My hope was to have forgiveness for a honest mistake considering I have never been late with them. My assumption is because it was XXXX XXXX XXXX they would not process my payment until XX/XX/XXXX because it was a federal holiday and they were closed. Again, this is my assumption because nothing was explained to me not so much as even a courtesy phone call to let me know that I was coming close to when theyd stop payments because of the holiday. As a consumer how am I supposed to know what they are going to process or not process according to their own business schedule when my expectation is to have my 30 calendar days which I have always received from other financial institutions. I am going to file a dispute with the credit bureaus today but I also want this investigated into by 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 non-monetary relief
Consumer complaint received 2022-06-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX 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 2022-06-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-13 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: CT

Complaint narrative:
**** In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-06-13 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2022-06-13 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Any derogatory markings from One Main inclusive of charge off needs to be removed. Due to failure to report for court proceedingsit was dismissed. Deceptive practices were then utilized a 2nd time to have me subpoenaed and further confirmed as dismissed. I do not owe this debt and it needs to be removed expeditiously. If supporting documentation is needed such as court documentation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I received a letter in the mail stating that BAS MANAGEMENT was collecting on a {$30.00} debt owed to XXXX XXXX XXXX XXXX XXXX. I don't know XXXX  XXXX XXXX XXXX XXXX and I have NO outstanding debts for {$30.00}. I called the BAS MGMT to report this fraudulent claim but they had no interest in talking or verifying the information. They responded by harassing me and asking questions in an attempt to acquire personal information and then hung up on me when I cautiously questioned them on objective. 

ADDRESS BAS MANAGMENT XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have had my auto loan with XXXX XXXX XXXX XXXX for 6 or 7 years I believe. In all these years, I have only missed XXXX payments- once in 2016 when my bank account was frozen due to fraudulent activity and I can't even recall what the second one was it's been so long but yet ... .WFDS continues to accrue late charges even though both were made known to them. Also, I have a ten day grace period - my payment is due on the XXXX and I ALWAYS pay before the XXXX. If it were not for incurring continued late charges even though I pay with grace period, my car would be paid off! I am asking that my late charges be waived.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX I noticed there was an ACH transfer from my Navy Federal Credit Union account. I reached out to the customer support team at NFCU. They closed the account and completed a fraud report. They advise me to change my user name and password and run a virus scan on my computer and phone. At which point they gave me access back to my mobile and online banking. They gave me a {$5000.00} provisional refund until the case was researched. 
2 days after I went through this process, there were two other attempts for {$5000.00} each on the brand new account. Once again, we went through the process and opened another new account. I took my laptop to XXXX XXXX  to have them do a thorough check and make sure it was free from XXXX  or anything else. A few days later I called and had my mobile banking reactivated. 
Sunday XX/XX/XXXX, I was balancing my checking account and noticed on XX/XX/XXXX there was an adjustment in the amount of - {$5000.00}. I called them as soon as they opened and they stated my claim was denied. I was asked to send an email addressing my concerns. Which I did, and it takes 2-3 days for a response. I'm on hold as I type this complaint. Hold time is 30 minutes, I will hold for two hours to get this taken care of. 
I'm in the midst of purchasing a home and I don't have 2 or 3 days. I will not be held responsible for the actions of a common criminal, nor should I be.

If you can please help me or point me in the right direction, I would greatly appreciate it.

Kind regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation