vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   XXXX Trans Union Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

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 2019-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department Experian   XXXX XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my Trans Union report and my XXXX report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, XXXX has my date of birth wrong since XX/XX/XXXX and my mailing address with them has become outdated.

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 2019-08-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I'm filing this complaint against Wells Fargo because Wells Fargo has not only failed to prove that I'm responsible for the charges but refuse to speak to me on the phone regarding the matter. I have called several times and I was recently reported to XXXX XXXX by Wells Fargo and that is completely unacceptable. What I do know is I lost my card, or it was taken. I do know that due to my memory issues I am known and prone to leaving things around and I do not know of a person who would take from me, so this had to be a stranger. Wells Fargo has been on my side before and is a reputable company, BUT in this matter, I find myself on the short end of the stick and that is not going to work from a consumer stance. Per Federal Regulation E and the Federal Reserve, each claim is to be investigated thoroughly and I'm formally through this complaint requesting in writing PROOF that I was the party who used the card and authorized the charge. The charge of {$1900.00} for claim # XXXX was not completed or authorized by me at all. 

I've called and requested the copies of the documents used in making their decision and reps hang up on me, leave me on hold and are not open to assist. XX/XX/19 I mailed a letter requesting the documents and requested for the claim to be reopened and the charge to be redisputed. The lack of communication has been XXXX and has caused me much XXXX and only fuel my poor XXXX health. Wells Fargo closed my account and essentially blamed me for someone taking advantage of me and taking my funds. I need Wells Fargo to look into this matter ASAP!

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 2019-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/19, I sent certified letters to NMAC ( Nissan Infinity ), XXXX and XXXX. The letters were sent in response of a repo from XX/XX/XXXX. I stated to XX/XX/XXXX and XX/XX/XXXX that they were reporting false and inaccurate information, ie ... no closing date, no Terms listed, monthly payment still showing an amount, etc. I wanted a deletion because of this inaccurate info. I also included in my letter to NMAC that they illegally replied the vehicle from private property, I was never sent an Accelerated Notice, not a Notice Opportunity to Clear or a Post Repo Notice. They have been reporting a balance more than {$9000.00} but when they received my certified letter, I then received a letter a company not legally able to do business in Ga called XXXX, stating my new balance was over {$3000.00} and they were trying to collect from me. 
I need this account investigation because of illegal and inaccurate practices. XXXX not XXXX has sent me an explanation or anything and its been over 30 days. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my XXXX XXXX report and my Equifax report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, Equifax has my date of birth wrong since XXXX and my mailing address with them has become outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I purchased a car at XXXX XXXX XXXX in XXXX, TX on XXXX   XXXX and was charged a Very high interest rate in spite of my good credit score. 

During financing I was only shown the bottom portion of each document on an XXXX. I kept asking for the interest rate and was promised/assured a 2.9 rate like before on approval. The finance salesman told me they dont give paper anymore and he gave a flash drive with all my information on it. I signed what I now know was the 2nd pages of the loan documents. When I viewed the loans on the flash drive I realized I was charged 5.79 interest and that was not the agreement and my credit score is in the 700+ range. I have a letter and was give a verbal amount that its totally different in my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Mailed total of 12 letters via express mail for account closure, no response Requested a call back twice for account closure, also no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.

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 2019-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.

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 2019-08-28 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: NC

Complaint narrative:
XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We bought our home through fha financing through wells fargo. In 2007 our home was forclosed on after we were told during closing our payments were {$570.00}. First payment XXXX. We asked for help, got denied, lost our home

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm an fanancial hardship, and i am XXXX XXXX XXXX elderly XXXX i have no income from no any agency.i have my credit card i can't continue to make payment i can get help i need cfpb to step in to help me i need a grant money because i can't pay bills since 2 years and 7 month my ssi check is stop i put a claim for reconsideration six time i got denied from ssa.please i need help from anyone who concern in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NC

Complaint narrative:
TransUnion continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.

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 2019-08-28 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: NC

Complaint narrative:
XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Experian continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.

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 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have no knowledge of this debt I have disputed and asked for validation on this debt and nothing was received from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have no knowledge of this debt I have disputed and asked for validation on this debt and nothing was received from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Med-1 Solutions, LLC
State: FL

Complaint narrative:
This is not mine can you please take it off from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank 's new attempts to assess {$35.00} overdraft fees based on a lapse in time of funds in an account on the same day versus the old banking practice of being negative overnight is anti - consumer to the extreme and MUST be stopped. 

Those of us XXXX XXXX know all banks books need to be balanced to -XXXX- at the end of each day. A bank is never truly at a loss even in typical cases of overdrafts lingering on overnight or for days. 

But, TD trying to say a loss has occurred within minutes or hours is absolutely horrific. Can us consumers be raped and pillaged even more by this egregious banking system? 

Congress or whomever really needs to nip this TD policy in the bud. It is not acceptable whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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: FL

Complaint narrative:
my child personal information have been used without my concern,

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