vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mesa Auto Finance, LLC
State: MI

Complaint narrative:
Account # XXXX This is a notice to cease & desist. MESA AUTO FINANCE LLC has violated my rights according to the Fair Credit Reporting Act, Section XXXX, Permissible purposes of consumer reports { 15 XXXX, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, XXXX XXXXXXXX XXXX  ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports AS SOON AS POSSIBLE. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MS

Complaint narrative:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NV

Complaint narrative:
The consumer has not consented, authorized or benefited from any of the following adversely furnished data. Without written consent, this constitutes identity fraud XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and Equifax XXXX XXXX Up Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Leasing Desk Federal Government Inquiry date : XX/XX/XXXX & XX/XX/XXXX Equifax Inquiry XXXX XX/XX/XXXX and XX/XX/XXXX Radius Bank inquiry date : XX/XX/XXXX XXXX  ACCOUNT # XXXX CHARGE OFF XXXX  XXXX Acct XXXX Charge off XXXX XXXX XXXX XXXX Unvalidated Collection XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Ally Financial Late Payment XXXX XXXX XXXX XXXX XXXX non consented data

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MS

Complaint narrative:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MS

Complaint narrative:
On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this XXXX  complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
At the beginning of XXXX, I applied for a checking and savings account with Wells Fargo. 

On XX/XX/2021, I received an email stating my accounts have been approved and welcoming me to Wells Fargo. 

On XX/XX/2021, I received an email from Wells Fargo for each account, stating that they have made a business decision to close each of the XXXX accounts. 

Unfortunately for me, this was after my XXXX funding transfer from my previous bank ( XXXX ) had already been withdrawn from my account and my old accounts closed. 

After trying to work with XXXX and Wells Fargo, both have been unable to help me get my {$360.00} back. 

XXXX says Wells Fargo has withdrawn it and should have it ; Wells Fargo says it should have been returned to XXXX when the accounts were closed. The XXXX case number was XXXX. The XXXX case number was : XXXX. 

The money never credited to either of the new accounts ; the {$330.00} to the new XXXX savings and {$25.00} to the new XXXX checking.

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: KS

Complaint narrative:
In XXXX, I sublet an apartment through estate management. Upon moving out, my security deposit was applied to a balance that I allegedly owed. After learning of the charges I found out that I was illegally charged for my service animal. I contacted XXXX XXXX and Informed the manager that I believe I was mistakenly charged for my service animal. The manager told me that she was new and the former manager no longer worked there. She said that she could not find anything about me having a service animal. I let her know that I showed my service animal Identification card to the former manager and that I could also provide it to her as well. Although I provided her with my service animal documentation, as well as XXXX XXXX laws regarding service animals, she refused to adjust the balance. She claimed that I never had information of a service animal on file with the apartment complex. I explained to her that I did in fact provide documentation to the former manager and I that under XXXX laws, even if I am to provide my documentation at a later date, the charges have to be adjusted. She told me that the balance could not be adjusted and it was up to the collection agency. I contacted the collection agency explaining the situation and they informed me that all they needed from her was to update the balance on her end. I called her back and explained that and her answer was okay. She never did it and this debt is affecting my credit. After explaining all of this to XXXX XXXX with documentation, they still did not change the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
The banking app current and I have had Very long dispute that they refuse to keep there word or follow the federal laws regulations about how this is to be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MI

Complaint narrative:
On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX XXXX ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( A ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX account ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( A ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. 
They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. 
They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo pre-paid credit card in hopes that I could rebuild my credit score  after XXXX. I deposited the required amount and was promised that after XXXX year I would receive my deposit back and an increased line of credit. That did not happen. The terms of my original agreement changed. I disputed this change with Wells Fargo and was told that my available credit limit ( lower than my deposit and the terms ), was to high to allow me to advance my card to a regular credit card. It took me multiple years to get my pre-paid card to turn into a credit card. Additional problems, fees, and credit reporting problems have occurred. I currently have a high credit score and Wells Fargo was misleading, years after opening this card effected my XXXX XXXX negatively with no missed payments, and overcharged me for interest percentages that were supposed to reduce when I completed the XXXX year of pre-paid and transitioned to actual credit card.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
When I first created my personal PayPal account I had my legal name there before however, I changed it because I want to be anonymous to other people when I'm making a transaction yes I faulted on my part. But on XX/XX/2021, they limited me with no warning at all. They told me that there's is an unusual activity that is taking place on my account. But I just buy groceries and pay people online on Paypal as well. So why warn me now so they can have a reason to hold it for that long. It's like they anticipated this they could have given me a message before about verifying my account but they didn't bother at all. The amount that was kept in my account is {$2700.00}. The last transaction that I made was ordering from XXXX XXXX  using my Paypal on XX/XX/2021. 

I asked them to look at the emails, phone numbers, debit cards, and credit cards I used which are under my legal name also the device logins that I used for the few months as well they could just assure me that was me. But they did not try or assist me I asked if I can change the name of the account so I can verify using the legal documents I owned they said no It is not acceptable. Therefore they rejected my appeal and gave me the 180 days limit from the date of my last received payment. 

Their help and excuse were unacceptable they are not a bank and they do not have the right to hold my money. Any reasonable person would think that holding my entire balance for 180 days is excessive and may be seen by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
My Diners Club card had a positive balance of {$95.00}. During XXXX, XXXX, they removed the {$95.00} from the balance, claiming that a refund of the overbalance will be sent to my mailing address. 

This never happaned. I have been calling customer service about it over and over again, but they had been promising without ever doing anything about it. 

I ama Diners Club card holder since XXXX and this kind of dispute never ever occured, this is why I had waited so long, hoping that the issue can be resolved. 
My current Diners Club card is XXXX, XXXX XXXX XXXX I have been in godd standing since 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 monetary relief
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation