vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I visited XXXX XXXX XXXX. I received a bill for {$3900.00}. In reviewing the bill I saw the hospital had double billed me for a charge for XXXX ( charging me twice of {$610.00} for the same test -- they only ran this test one time ). I contacted XXXX hospital several times to address their double billing. I was given the run-around, in them saying the test must of been done twice or it wouldn't of been billed. After them not giving me a proper explanation and trying to double bill me, I decided to pay the other parts of the bill of {$3300.00} ( proivded that would pay in full ). In sending my check I advised them in my letter as well as on the back of the check that : CASHING THIS CHECK CONSTITUTES PAYMENT IN FULL FOR BILLING. They cashed my check acknowledging that nothing else was outstanding. I have a copy of the check with their endorsement.

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 2023-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Had a mortgage with wells fargo, about 2010. They said i qualifyed for a reduced payment. After paying for months they said i didn't qualify and had to payback the differerence in payments.Lost home because they foreclosed on my 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 2023-04-25 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: VA

Complaint narrative:
I have Never had any type of account with this Creditor. I would like to be provided with Documentation of the account that is currently reflecting on my credit report. I am requesting that this account be Verified as accurate through a replicable source outside of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Wakefield and associates has been trying to collect a medical bill from me for 2 years. First the bill should have been billed to my insurance as I have two insurance plans, but the hospital sent it to collections and never sent me a bill. Second I never signed an agreement that had the bill collecting interest. This bill started at XXXX and they had already added interest to it before contacting me and I refused to pay interest on a medical bill. We have been arguing for 2 years now and I believe what they are doing is illegal. The bill is now XXXX dollars. I have reported it to the credit bureau and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IN

Complaint narrative:
Opened an account ( US Bank XXXX XXXX ) with the bonus offer ending on XX/XX/XXXX. The promo code while opening the account was XXXX. 

After meeting all the requirements, the company XXXX US Bank ) is not honoring their bonus payments. A customer service representative from the bank confirmed that I have met all the requirements on a phone call ( XX/XX/XXXX ). 

When I called today ( XX/XX/XXXX ), I have been receiving vague excuses from the customer service representative about why the bonus has not been paid out. One representative mentioned that the account was not funded properly since the money was transferred from a different bank. Meanwhile another representative mentioned that since I received a personal checking bonus, I was unable to qualify for business checking bonus. Another representative sent me a flyer from the previous quarter XXXX. Since, I am getting vague excuses, I would like to file this complaint and have US Bank honor their original bonus terms.

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 2023-04-25 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: WA

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-04-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There's some kind of mistake on the company 's reporting on my credit report as I was never late in paying them monthly and because this is important to me.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and XXXX failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.

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 2023-04-25 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:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should 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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a charge for XXXX from XXXX which I submitted a dispute on XX/XX/XXXX which has been handled carelessly. I have proof of the item being returned for a full refund and Bank of America has not done a complete investigation and is not moving quickly to resolve this issue. I have provided proof with tracking that the item was returned and received by XXXX and that a refund was processed but bank of america is still slow to complete the investigation and refund my 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 monetary relief
Consumer complaint received 2023-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: WA

Complaint narrative:
In 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 Account # 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.

Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX typeMultifamily XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, NY XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeApartment complex

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 2023-04-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 my Wells Fargo account was hacked into and two ( XXXX ) XXXX transfers were criminally made without my actions or approval. On that day there were numerous spam calls and messages to my computer and devices. During that time I noticed a message saying that a new XXXX payee was added to my Wells Fargo account. I quickly logged into my Wells Fargo account and saw where two ( XXXX ) XXXX transfers had been made to a XXXX XXXX, XXXX for {$1000.00} and one for {$990.00}. I dont know who this person is and did not initiate or authorize these transactions. 

I immediately called the Wells Fargo dispute line and reported the fraud. They took all my information and gave me a case number. I was told they were closing the account that was attacked and were opening up a new account to replace the old one. Remaining money from the old account was transferred to the new one. They told me to create a new username and login with a new password. I was also required to use a remote Secure ID to login. I was never required by Wells Fargo to do this before even for XXXX transfers. The XXXX transfers before were transferred almost instantly. I only had XXXX XXXX payee in my account and that was only to transfer money from my Wells Fargo account to my other bank account. 

I called daily to Wells Fargo XXXX XXXX and they always told me that investigations were still ongoing. On XX/XX/2023 I received a letter dated XX/XX/2023 from Wells Fargo stating that my fraud claim had been denied because they had determined that the transactions had been authorized by me. This is absolutely not the truth and is an insulting and libelous statement. It is obvious that Wells Fargo had serious flaws in their account security systems for letting this happen. Whats worse is they refuse to compensate me for the thefts from my account. 

According to my investigations these XXXX frauds have happened on many Wells Fargo accounts during the last several months. Also, these fraud transactions are covered by the Consumer Financial Protection Bureau, Electronic Fund Transfer Act, XXXX XXXX Wells Fargo is obligated to reimburse me for these fraud thefts and I will pursue all actions to insure this is done.

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 2023-04-25 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: GA

Complaint narrative:
TransUnion is not updating and reporting the current balances on the account. XXXX XXXX has reported a balance of {$1200.00} on XX/XX/2023 and TransUnion failed to update the balance and then also failed to acknowledge a mid cycle update a few days later in XXXX as well for the current balance of {$1000.00}. Therefor failing to report a credit an accurate debt to ratio percentage.

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 2023-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604A 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 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
Starting way back in of XXXX. I was laid off from my position at work due to the impact of Covid in my industry. We fell behind on our mortgage payments. In working with our lender. Both parties agreed to a 6 month payment plan. After which the 6 months of mortgage at a higher monthly payment was made. We were returning to our original monthly mortgage payment. The monthly mortgage payment was not adjusted back to our original payment. The lender stated that we are still under review and to keep making the payment at the higher rate until notified. This was not what we agreed upon. We hired an a Law firm to argue on our behalf. We went through the whole process again. Instead of paying the lender. We were now paying the law firm. We finally received a loss mitigation letter. I received the letter on XXXX XXXX. The lender decided on a large upfront payment due on the XXXX XXXX. Then a larger monthly payment for the next 6 months. Not stating anywhere on the letter when we will be approved. 

I have requested a copy of our original loan agreement by certified mail and email to the lender with no response. There are other practices like not receiving a demand letter from the lender. When the demand letter officially started. A hard inquiry of our credit reports without any permission. That I believe to be incorrect. We have submitted every item requested and continued to keep up with current request from the lender. This whole time we are falling more behind on what we owe. When were in an agreement that was not held up by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just want to know if im eligible for the wells fargo settlement XXXX. Last XXXX we bought a used XXXX XXXX  XXXX and got a loan thru that bank.

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 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Florida Financial Management dba Lend A Dollar
State: MO

Complaint narrative:
On XX/XX/2023 I contacted Lend a Dollar through text message because it is the only way they respond. I told them I revoked their right to take any money from my account at anytime. That I would make other arrangements because my checking account was compromised. They still took the money on XX/XX/2023 in the amount of XXXX. Then I send them the revocation again and they finally acknowledged that I sent that on XX/XX/2023 and that will continue to present a check for money until I make other arrangements but I can't do that till I get my checking account fixed so they are saying they will take another XXXX on XX/XX/2023. I have all the text messages from someone named XXXX at Lend a Dollar. While in my account with them there is no address, phone number or email address for the company.

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 2023-04-26 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: CA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
Earlier this month ( XXXX ) I had to dispute XXXX transactions. Was told canceling the card was the only way so i did that. got the new card and less than a week later XXXX NEW XXXX transactions occured. I do not own an XXXX nor have an XXXX  account. The bank took it upon themselves to file the dispute. cancel my NEW card and reissue another NEW card. Now I have to wait. Can not pay my phone bill ( lack of funds ) nor buy gas and groceries until payday. after i told them NOT to cancel my card. They took it upon themselves to do this AGAINST my wishes. I will do more research on this but it is clearly a violation of something out there. Going through my statements there is a XXXX time charge over a month PRIOR to thse fradulant charges from XXXX. this is nervewracking and is very much theft. and they are complacent in this act of theft amongst numerous other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2023 reported unauthorized charges on my account alerted fraud. {$1700.00} and XXXX XX/XX/2023 reported unauthorized charges on my account fraud {$400.00} Wells Fargo credited amounts than 30 plus days later decided to freeze my accounts and overdraw my account and refuse to investigate. Then they closed my account ( 13 year customer ) refused to honor {$47000.00} cashiers check Wells Fargo called Adult protective services on me

Company response to consumer: Closed with explanation