vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: UT

Complaint narrative:
My sister stole my identity to open an internet account 20 years ago. Her name was connected to my social security number on my Equifax credit report. I filed a dispute to have her name removed, and they removed the wrong name from my account. They removed my name and kept my sister 's name on my credit account. They sent me a paper addressed using my sister 's name saying my actual name had been removed from the account. I tried to call them about this, but the agent said it has been changed to the correct name. My credit still says the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
On Monday XX/XX/2022 I was trying to refinance my home and it was made aware to me that someone has used my information to co-sign for a student loan through College Ave. the loan amount is close to {$8000.00}. I have never co-signed a document for anyone before and now this is holding up my process to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: KY

Complaint narrative:
Credit reporting Agency claims an account was opened on XX/XX/XXXX with a freeze in place on credit report. Report states the account was first delinquent on XX/XX/XXXX. Disputed it on XXXX, report does not show that I disputed either credit reporting agencies, on XX/XX/XXXX got an email stating that I requested the dispute be canceled which I did not. All 3 credit reporting agencies say they investigated, verified, and got results in one day on XX/XX/XXXX over a 3 day weekend holiday which the business was closed, which they should be able to delete this in 3 days. No inquiries is reported from either agencies. They got the verification letter I sent on XXXX asking the reporting agency to verify this account was opened on XX/XX/XXXX in writing and over the phone or Delete. Last checked my credit report it still shows the same account with inaccurate info. The reporting agency has different addresses for this business. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
On XX/XX/2022, Allybank locked me out of my account. I only had an account with them for a few days. So I called customer service to find out why they locked me out of the account. I was then notified by a member of the fraud department that they locked me out because of suspicious activity. I informed them I am on XXXX XXXX orders and a member of the United States XXXX XXXX and currently XXXX to XXXX in XXXX. They then asked for pictures of my social security number and birth certificate. I told them I did not bring those documents with me on my XXXX. But I can give them a copy of my military orders showing I was in XXXX for official duty. They then told me that wasn't enough and ultimately locked me out of my account and closed it. I believe my military orders should have been enough for them to verify who I was and that I was not a person committing fraud. I called multiple times to try and get this situation cleared up but they told me there's nothing they can do.

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 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I went to purchase a car from XXXX XXXX on XX/XX/XXXX. I test drove and started some initial paperwork but had to leave before it was complete. Being XXXX and XXXX XXXX I ran it by my parents who said I was being gouged and not to take the deal. The dealer was offering 15.99 % Rate which is double prevailing rates despite my excellent credit score ( XXXX ). Additionally they added a {$1700.00} warranty that I couldnt make a claim on for 1 month and was only good for a year. I did not take possession of the car nor did I sign the title transfer. My XXXX went back to the dealer with me to negotiate a better deal and to advise of my mental health status. They refused to change term saying the deal was done and that if I didnt take the car they would put a repo on my credit. We left without the vehicle and I followed up in writing the next day to confirm cancellation. The dealer pushed the loan through to the bank anyways. I called the bank on XX/XX/XXXX and they said they would investigate and get back to me. As of XX/XX/XXXX the dealer refuses to acknowledge me and has not refunded my {$3000.00}. The bank has also not done anything and still is keeping the loan active and has started sending billing statements.

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 2023-01-30 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In XXXX of XXXX I reported fraud charges to the Aspire credit card. They closed the account and sent me new card. Initially the credited the fraud charges however come XX/XX/XXXX they put those charges back on my credit card saying I owe all charges. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX charge {$28.00} XXXX XX/XX/XXXX charge {$62.00} XXXX XXXXXX/XX/XXXX charge {$51.00} XXXX XXXX - XXXX XX/XX/XXXX charge {$63.00} XXXX XXXX XXXX XX/XX/XXXX charge {$42.00} XXXX XX/XX/XXXX charge {$75.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Severin, Ringsak & Morrow
State: OR

Complaint narrative:
On XXXX XXXX, I attempted to get a new Drivers License from the Oregon DMV, as mine was damaged. The clerk informed me there was a hold from North Dakota DMV, stating my license was suspended in North Dakota. I called ND DMV and was told I had a judgement against me for {$1600.00} from XXXX, 2001. I paid the DMV reinstatement fee of {$50.00} and was told I needed to contact the Law Firm of Severin , Ringsak & Morrow at XXXX, as they were the only people that could remove the hold. I called the Law frim at XXXXXXXX XXXX  PST on XXXX XXXX, and was told attorney XXXX XXXX XXXX handles this and would call me back. She called back on XX/XX/XXXX at XXXX PST and took my name, birthdate, and ND license number and told be she would research and call me back. At XXXX XXXX PST on XX/XX/XXXX, she called back and informed me she would not remove the hold on my Drivers License unless I aped the {$1600.00}. I informed her there is a 10 year statute of limitations, with a maximum of 1 10 year extension, for a total of 20 years. This was over 21 years ago. She informed me again they would not remove it without me paying the collection. The judgment on the North Dakota State Court database shows the judgement as expired. The law firm is attempting to collect on an expired judgement by holding my drivers license.

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 2023-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I'm writing regarding the recent Wells Fargo decision as I was a Wells Fargo mortgage holder as well as equity credit line. I had tried unsuccessfully to secure a loan modification back in 2013 and had submitted and resubmitted paperwork only to be told I needed to reapply a couple times, resubmit documents, no response, etc. I really felt I was getting the run around at a very vulnerable time in my life. I had been a good standing customer. The process was put an unnecessary amount of stress on me when digging out of the financial crisis. I'd believe I should be a part of this judgement/action but have not been contacted. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NC

Complaint narrative:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
i have disputed this account numerous times and the consumer are not showing how they verified the information and it is inaccurate : under the FCRA they have violated multiple laws Accounts : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX15 U.S. Code 6802 ( B ) Opt out a financial institution may not disclose non public personal information to a nonaffiliated third party unless ( a ) such financial institution clearly an conspicuously discloses to the consumer, in writing or electronic form ( which they did not ) 2.15 U.S. Code 1692e False or misleading representations 3. 15 U.S. Code Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor such consumer is participating in the collection or in an attempt to collect the debt 4.15 U.S. Code Civil liability the picture below shows in accurate balance on my credit report auto now financial has been removed from XXXX and XXXX it needs too be removed from Experian as well

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank credit card to make a specific purchase due to the great introductory offer they advertised ( 0 % interest until XX/XX/XXXX ). Now that I am ready to make the purchase, the card continually declines even though my available credit more than supports the charge. I have made multiple phone calls since XX/XX/XXXX to try to get the charge to go through with US Bank, spending almost 3 hours of my time at this point. I have been disconnected, transferred, given different phone numbers, and yet no one has been able to assist me in getting the charge to go through. At this point, it feels very much like predatory lending as I have fulfilled my obligations but US Bank has not fulfilled theirs. I would like assistance in remediating this issue in a timely manner.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I received a letter dated XX/XX/XXXX that stated I would be receiving a surplus check, a photocopy of said check was included in with the letter for the amount of {$1100.00}. The letter stated it would take a few weeks after receiving the letter to receive the check. I waited, but we never received said check. I called XX/XX/XXXX inquiring and was informed that they never sent the check and they don't know what happened, but they'll request to resend the check. I never received a check so I decided to call back, I called back and was informed that the request was cancelled and they don't know what happened to the funds. The request was then escalated to investigate where the funds are. I was told that it seems the funds moved around from a lot of different departments and they needed to pin point exactly where they were. I hadn't heard back so I called back again on on XX/XX/XXXX and was then again told they'd escalate the request and scheduled for me to receive a call back on XX/XX/XXXX, however I did not receive a call. I called again on XX/XX/XXXX and was informed that they were still tracking where the funds were located and that there was someone in specific looking into it, but that person could not talk to me and was unavailable, but they would escalate it to their supervisor, this time they said they didn't want to say they'd call me back because of the history of no one calling me back and that I should call back to follow up. I called back on XX/XX/XXXX and they still don't know where they funds are at and in speaking with the representative it seems as though she had to put in a whole new request to investigate the matter, but she escalated it to the supervisor. There is no reason it should take this long to find out where my money is being held if there is a designated escrow department who is suppose have account of all funds received. I am frustrated and disappointed in this company who seems to have no sense of urgency in the matter. Thus, through this entire time I've continually paid my mortgage on time, had I not paid my mortgage I'm sure I would have received dozens of calls regards such. I just want to know where my money is and why are my funds being mishandled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Hi XXXX XXXX XXXX is here. I'm facing issue with Wise, Formerly TransferWise company. This company is doing fraud with me. This company is keep asking for documents which i already provide them. I'm an affiliate marketer and working with XXXX XXXX My company send me affiliate payment to my wise address via XXXX. Total amount is {$1100.00} which i received from XXXX XXXX Its been many days they are holding my money for no reason. This company is doing big fraud with their customers. Please help me to get my money from this fraud thief company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : AXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXXT # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX 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 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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2023, Some time ago I applied for and was accept for a PenFed Credit, they require {$10.00} dollars to finish the application; so I sent them XXXX dollars and they send me a credit card ; only to require more information after I was approved, but I was sick and was unable to send the rest of the information. Now the refuse to return my XXXX dollars.

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