vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 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: NJ

Complaint narrative:
In, XX/XX/2018 I noticed a fraudulent account being reported on my credit report. I disputed the account with the original creditor and the account was removed from my report. Recently I checked my report again and found the information being reported again. This account was opened as result of fraudulence and identity thief. This is a violation of Fair Credit Reporting Act per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. This account needs to be removed from my credit report immediately.

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 2022-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
While reviewing my online checking account at M & T Bank, I noticed a series of unauthorized withdrawals on XX/XX/2022 ( in addition to petty small change amounts ), listed as " XXXX transfers, '' totaling {$400.00} + change. I notified the bank 's XXXX XXXX. at tel. # XXXX, and they froze that checking account and said they would do an investigation that could take up to 90 days. I received, signed and returned an affidavit by mail to the bank, again claiming the fraud. On XX/XX/XXXX, I called the XXXX XXXX Washington XXXX DC branch and asked if I could transfer the checking account funds to my M & T savings account. I spoke with " XXXX '' who confirmed that the funds could be transferred and she could do so on my behalf. Besides the original {$400.00} fraud amount, there were XXXX amounts in the frozen checking account also to be transferred : {$8200.00} and {$1700.00}. On XX/XX/XXXX, I accessed my M & T accounts online and noticed that the {$8200.00} and {$1700.00} we're transferred to my savings on XX/XX/XXXX, but that the {$1700.00} was then immediately withdrawn on that same date, and those withdrawn funds were not transferred back to the frozen checking account ; I've made numerous calls to both the XXXX XXXX, both on XX/XX/XXXX and dates prior, such as on XX/XX/XXXX, to discern the status of the investigation, but nobody answers the fraud line, and all representative tel. Numbers I call and branch I visit ( at XXXX XXXX ) for this bank keep telling me I must deal only with the XXXX XXXX bank XXXX, but they won't/do n't know how/refuse or are purposely involved in this loss of my funds. Further, upon balancing accounts it appears that the original {$400.00} fraud has not been rectified. Therefore, I am at a loss of not only {$1700.00} but also {$400.00}. Please help me recover the loss of my hard-earned 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 2022-12-24 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: GA

Complaint narrative:
n 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 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 , 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 2022-12-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I entered into a fixed rate loan note with WELLS FARGO for {$35000.00}. I received the funds on XX/XX/XXXX. My first payment was due between XX/XX/XXXX through the XXXX, XXXX. During the life of the loan, the Lender changed not only the terms of the note, but also the specific details, such as the payment of {$320.00} is to be paid in equal amounts of principal and interest, which related to 1/300th of the monthly amount owed towards the principal amount of {$35000.00} loaned, with the apr in the truth and lending disclosure interest to be the same 1/300th of the total interest owed. The fixed monthly payment of {$320.00} was to be due in between the 15th of the month through the 25th with a late fee of 5 % of the monthly amount if received late. I made my payments per the terms set forth ; However, Wells Fargo, changed the terms to give them an unfair advantage, which damaged my credit, caused me financial loss at the closing of my home, and Wells Fargo completely washed their hands of any wrongdoing even though they were shown supporting proof that my payments were within the terms of my loan, and that for years they damaged my credit so deeply by changing it with the 3 bureaus practically every other month, that my insurance rates went up, credit rates, etc. to where I was not a good risk to refinance until I finally sold my home. I am still in disagreement to the amount that they demanded at closing from me ; they need to be investigated. I have for years dealt with showing proof to Wells Fargo and being told " too bad '', our investigation is right. Please allow me to share the unfair tactics, losses and deception involving this experience to 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 2022-12-24 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:
Florida address shows opening a account on my credit report disputed the address on my report since Ive never lived in Florida and response to my dispute was addressed updated and changed but its still the same Florida address where someone stole my identity and opened a account in my name with this Florida address card has been closed but address still shows up on my report thats not mine

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 2022-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments. 

The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022. 

Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: IL

Complaint narrative:
After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.

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 2022-12-24 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:
n 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 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 , 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 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 2022-12-24 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: GA

Complaint narrative:
n 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 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 , 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 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 2022-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I filed a dispute with my TD Bank credit card on XXXX XXXX in the amount of {$5800.00} against a moving company that was late, damaged my belongings, lost many of my belongings, didn't give me the discount as stated in the signed contract and also overcharged me after my belongings were loaded in the moving XXXX. 
I have given TD Bank all the documentation they request. Have spoken with them multiple times on the phone. Was told twice to expect to see a XXXX balance within XXXX business days. Also they accidentally closed my dispute and then reopened it, only after i called. The last time I spoke with TD Bank about the dispute was in XX/XX/2022 and it was and still is under investigation. In the meantime I have had to make 3 monthly payments of {$170.00} including interest. I was told that I would be credited back any payments I have made once the dispute was resolved. 
Today is XX/XX/2022 and my dispute still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Usaa is behaving in a very irresponsible almost vile way. They have caused me to get my one of my credit cards closed as well as a result of their untimely handling of credit card payments. They insist on lowering my XXXX XXXX so they can in turn charge me more for their auto insurance even though I have never had accidents. Recently I took out {$2000.00} from my IRA which they posted immediately. I proceeded to get my money in cash before they would try to scramble their transactions. They saw did so for XXXX XXXX ( they ruined my day with my family ) proceeded to reverse said funds claiming XXXX had taken them. Unfortunately I had no way of contacting them. They wanted me to initiate a dispute which would take days. I want nothing to this with this bank please help me close it. I lost {$2800.00} in overdraft fees and theyre desperate to get more from their members. They deserve nothing but misfortune judging from their business scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A charge of {$600.00} from XXXX XXXX ON XX/XX/22 was disputed because I returned the product. The company got my returned and promised me a refund. I contacted chase bank. They said the tracking was invalid. I RESENT the tracking because it was entered in the system incorrectly. Chase said they will research Chase never research they said I never sent in paperwork, and I DID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-24 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: IL

Complaint narrative:
After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
Received a loan with XXXX XXXX for a solar power system on my home that was sold and installed by XXXX XXXX XXXX, now known as XXXX XXXX. XXXX paid XXXX XXXX XXXX for the loan prior to the completion of installation. Since then my solar system is not fully operational and is not meeting the expectations that was agreed upon with XXXX XXXX XXXX. XXXX XXXX has filed bankruptcy and is not meeting the obligations in accordance to the agreement. I now have a system that is not operational and paying for a system with a normal electric bill in addition. I have requested a copy of the original loan applicaiton and all documents submitted to receive the approval for the loan. XXXX has failed to provide this documents and has stated via email that are not available. It is believed that XXXX XXXX falsely represented myself when completing the loan documents by stating my income was more then what i provided to secure the loan so they got the business. It has been noted by others this has been a common practice of XXXX XXXX and XXXX XXXX.

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 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed this item since XX/XX/2022. They never responded or fixed this issue. Due to 15 USC 1681c-2 this issue need to be removed.

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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini cryptocurrency exchange has frozen customers money in their earn program. No proper disclosures and false email claiming they didnt have any connection with the collapse of XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to fix this issue since XX/XX/2022. Nothing has been done or even the issue been resolved! XXXX XXXX XXXX XXXX ; Due to 15 USC 1681s-2 this issue need to be removed!

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 2022-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
Upon expiration of my rental lease with XXXX XXXX  formerly owed by XXXX XXXX XXXX XXXX ( now known as Mode apartments ) in XXXX Maryland, i was sent a bill that I owed {$140.00} for parking and utilities for the following month ( I was no longer a tenant ). The issue was resolved after I complaint to the leasing office and it was rectified showing me a bill with all accounts zeroed out. 

However a few days ago, I received notification that the same amount was sent to Hunter Warfield debt collection agency and my XXXX XXXX was severely affected. I reached out to the leasing office and was told they are now under new management so they can not help me. I also reached out to XXXX and was told they can't help me because it is no longer their property. 

Now I have a false debt, a XXXX XXXX that has been downgraded affecting my ability to secure finance for other projects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
XXXX XXXX stole all my money, and does not fix any of my technical issues! 
This is absolutely unfair and very dissapopinted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase at XXXX department store in XX/XX/2022 for {$82.00}. I paid the bill through my online bill pay with XXXX bank. XXXX cut the check and mailed the payment on XX/XX/2022. Comenity bank claims they didn't receive the payment until XX/XX/2022 which resulted in a {$29.00} late payment. I contacted comenity protesting such a large late fee and questioned whether they actually received it late. I received to satisfaction I reluctantly paid the late fee which was processed by XXXX and mailed XX/XX/2022. This time comenity claims to have received the check XX/XX/2022 resulting in another late fee of {$29.00}. I contacted comenity in writing and questioned why the delay in their processing the check from XXXX. They responded with the attached letter on XX/XX/2022. In the meantime they continue to charge late fees upon late fees. See attached printout. This is exactly why the CFPB is established for. This is not a matter of a consumer refusing or being able to pay a debt. It is a theft by an institution against a consumer.

Company response to consumer: Closed with monetary relief