vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I actually handled farther than the options. My vehicle was repossessed on XXXX by Wells Fargo who hired XXXXXXXX XXXX XXXXXXXX XXXX XXXX, they left driving my vehicle. I paid my loan off on XXXX and retreived my car on XXXX. When they got my car it had XXXX miles to empty but when I got it back it was on empty. My floor mats were gone, there was a lot of trash, liquor bottle, cigarette butts, dog hair, muddy paw prints and mud in the carpet. I called Wells Fargo immediately, who requested evidence. I provided all documentation & proof. Photos from the Towing company at time of pick up showing a clean vehicle & photos when I picked it up showing mats gone and gas hand empty and all the trash. How can they legally drive my vehicle on my tags and insurance?? And who compensates for the missing floor mats. Wells Fargo states there is nothing they can do to help me and they dismissed my case. Please advise how this is fair and legal to a consumer who has worked hard and struggled to pay for a vehicle for their Towing company to trash. 
Thank you for your time and attention.

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent several letters to Experian to dispute inaccurate personal information being reported on my report. I followed their instructions and after receiving the results back. There is still inaccurate information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: IN

Complaint narrative:
XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf coast collections calls every day and has been doing so for over a year. They keep stating they will take the number off the list but they do not. Today, they simply told me to tell someone else not to give out my phone number, were rude and hung up on me. I can not control what someone else does. I am old and only responsible for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, I applied for a loan to purchase a new dump trailer. I was told that because I have a work authorization permit that can not lend to me. I have great credit and have not been denied for loans by other financial institutions for having a work authorization.

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 2022-03-16 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:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone obtained my social security number and was able to open an online checking account at Bank of America, I have a credit freeze on my accounts. This person did not have my current address or phone, but BoA opened an account without this verification. If they had checked for any information, they would have seen that the person didn't have correct info and I had the credit freeze. 

BOA has caused me great harm by not doing any checking and opening the account without doing any research or verification. 

I was able to close the account and have the information to file a police report with my local police. 
I have filed a fraud alert with the 3 credit agencies.

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 2022-03-16 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: HW Holding, Inc
State: WA

Complaint narrative:
There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
Convergent Outsourcing , Inc. is trying to collect a debt they say I owed XXXX XXXXXXXX XXXX on XX/XX/2002. They claim I had an account with them. I never had any account with XXXXXXXX XXXX XXXXXXXX, nor have I ever heard of them. Furthermore, that is 20 years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.

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 2022-03-17 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: KY

Complaint narrative:
XXXX XXXX XXXX is reporting a settled and closed account as open almost 2 years after the settlement took place

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 2022-03-17 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: KY

Complaint narrative:
XXXX XXXX XXXX is reporting a settled and closed account as open almost 2 years after the settlement took place

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I was notified on XX/XX/XXXX by my credit monitoring service that my credit score dropped XXXX points ( my score was XXXX ) due to a collection being added by Paragon Revenue. I called the collection agent ( XXXX XXXX and she stated the debt was for XXXX XXXX XXXX XXXX XXXX. I told her the exact date of my payment XX/XX/XXXX and she advised she could see the payment however she could not remove the debt. I requested proof of outstanding debt which she would not provide. I went to the atrium website and confirmed I have no balance due. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A XXXX deposit didn't go thru. The bank did no call or send letters regarding all the overdraft fees they were charging. The never notified me about the fees and somehow my notifications were turned off. They took over {$800.00} and refused to reverse most of them even tho I am long time customer. I am basically facing bankruptcy because of this. I can not pay my bills. Hey took whole paychecks. I think {XXXX} is reasonable for 1 months time frame I would like XXXX back in order to recover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: Winklevoss Exchange LLC

Complaint narrative:
Gemini Trust Company , LLC ( XXXX ID : XXXX ) froze my account on Wednesday XXXX XX/XX/2022. They asked me to upload a selfie holding my ID and a written statement, which I did the same day. 
After numerous reminders, they informed me on Thursday XXXX XX/XX/2022 that they had determined to close my account. They refuse to indicate any reason and said their risk process is confidential. 
Moreover, they indicate that I am not allowed to withdraw my crypto currency, but can only exchange it for USD or another fiat currency ( for which, by the way, they charge high transaction fees ). 
I indicated that this is insulting, as it is the first time in my life that I was designated as a risk, and I not even told why. And I indicated they are not acting as socially responsible company that is treating its customers fairly. I asked for an explanation and a fairer treatment. They continue to refuse this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In general, the issue is that Experian has intentionally made the process of adding and removing a credit freeze unnecessarily error prone and difficult. In addition, they offer a paid credit freeze service, which does not have these difficulties. So, they are trying to prevent customers from the accessing free services that the fed govt requires them to provide. 

I recently needed to freeze my credit file with the big 3 credit bureaus due to identity theft. XXXX and XXXX were simple and this could be done online. Experian however had a labyrinthine website that kept trying to trick me to pay for a credit freeze. When I finally found the free credit freeze, it took me to an outdated looking page that only have me errors. I had to call on the phone to get my credit freeze. 

When I wanted to remove my credit freeze, again I had no problems with XXXX and XXXX and was able to do it online in minutes. With Experian, again their outdated web page gave only errors. I called their phone number but was routed to the automated service, even when calling and dialing to a human first. Even though I had the correct PIN number, Experian insists that I must send a paper letter to have the freeze removed. 

Their system is unnecessary burdensome and in stark contrast to the ability to take care of the credit freeze online. As a consumer protection issue, they are preventing us from accessing the credit freeze/ unfreeze services to which we are entitled.

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 2022-03-16 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  Account XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-03-16 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : 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 2022-03-16 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-16 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect a debt they say I owed Velocity Investments , LLC on XX/XX/2002. They claim I had an account with them. I never had any account with Velocity Investments , LLC, nor have I ever heard of them. Furthermore, that is XXXX  years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: ID

Complaint narrative:
Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Original creditor XXXX XXXX Balance history XX/XX/XXXX {$1300.00} Balance {$0.00} Schedule payment {$0.00} Paid Additional info The original amount of this account was {$1300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Your statement Add a statement I never had any account with XXXX XXXX. They said the account came from an address in LA. Ive never lived in Louisiana. My credit history is flawless ( I used to be a lending officer so I know better ). I called them and they told me to call the police. I dont think the police here would handle this. My credit scores are Very Good with exception of XXXX. I filed complaint first that I never had address in Louisiana ( they took it off ) then that I never had an account wit XXXX. Ive always had XXXX in Idaho. They dont even have XXXX here. I pay off all my credit cards at the end of every month and my mortgage is excellent. 
Im baffled and very angry they can do this to someone given the facts.

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