vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date of this CFPB Consumer 's Complaint : XX/XX/XXXX Associated with CFPB 's Consumer 's Previous Complaint:XXXXSubmitted on XX/XX/XXXX. 

Consumer received a Wells Fargo 's Response Dated XX/XX/XXXX sent via XXXX XXXX XXXX XXXX. [ ATTACHMENT # 1 ] Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Consumer 's Response to the Wells Fargo 's Decoded Response. [ ATTAHMENT # 2 ] This Consumer feels that Wells Fargo is giving Consumers the continuous, of the World Famious Run-A-Round again. Also evading communications through the CFPB 's Consumer 's portal = Doing " BAD BUSINESS PRACTICES AGAIN. ''

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 2021-06-16 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: LA

Complaint narrative:
XXXX  is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX  was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, XXXX. And Transunion, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, XXXX, OR TRANSUNION, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help 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 explanation
Consumer complaint received 2021-06-16 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: LA

Complaint narrative:
XXXX is Reporting, XXXX XXXX has a Balance my Balance is XXXX. 
XXXX was also Reporting. 
XXXX XXXX XXXX With a Balance This information is Also inaccurate My Balance is Also XXXX with XXXX XXXX XXXX. 
I DISPUTED the Balance with XXXX, Experian. And XXXX, My Request was, for Each Bureau, UPDATE, and DELETE, this inaccurate information from my File. 
My Balance From XXXX XXXX, and XXXX XXXX XXXX, is XXXX, and has been XXXX, since XX/XX/2021. 
XXXX, EXPERIAN, OR XXXX, Has not done as I Requested, and is Still Reporting inaccurate information. 
Please help 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 2021-06-16 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: Social Finance, Inc.
State: FL

Complaint narrative:
ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXI # XXXX SUNTRUST # 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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I initiated a wire transfer from Bank Of America XXXX Checking Account to my personal XXXX IRA account with XXXX XXXX on Saturday XX/XX/XXXX. I saw the wire transfer completed on XX/XX/XXXX at XXXX XXXX with BoA and debited from my XXXX Checking Account. I followed up with XXXX XXXX on XX/XX/XXXX and they did not receive the amount. 
The money was routed through XXXX XXXX using XXXX Clearing account for the benefit of my XXXX IRA account. 
I reached out to all the three banks involved ( BoA, XXXX XXXX and XXXX XXXX XXXX multiple times today and still unable to get the issue resolved and tracked the fund debited from my BoA Account. The Federal Rerserve Wire Reference Number for this transfer is : XXXX from Bank of America. 

Can you please help resolve the issue at the earliest. 

Thanks 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 monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Credit Management LP is attempting to collect a debt owed to XXXX XXXX for cable service at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. I have never lived in Oklahoma. I do not have cable service from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My Equifax credit score dropped 40 points and I m in the middle of refinancing.I have a equity line with XXXX bank and I have paid them since I took it out.For the month of XXXX and XXXX it was paid past the due date however I did talk to XXXX XXXX First Vice President, Loss Mitigation Lending Compliance NMLS ID # XXXX and let him know there was some financial issues I was going through.I understand about the recent payments but i have done my very best to have it current despite the pandemic cutting our income by half.I talked to XXXX bank about it.I haven't even elected to defer or skip mortgages and paying every month.I need XXXX bank to send Equifax information showing that the payment is paid and the account is in current status otherwise I will not be able to refinance because of the derogatory remarks.I contacted them directly and no one even knew what I was talking about instead I got a statement from XXXX XXXXVice President, Branch Manager Direct XXXX showing a payment history.This account has been open since XX/XX/2017. 
Im not past due, I havent failed to pay a single payment, Im not in default I dont understand.I have contacted Equifax they need that information from hills bank showing its current for them to update the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX XXXX XXXX, XXXX XXXX XXXX, IRS XXXX XXXX XXXX # XXXX ADDITION XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 2021-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called Equifax repeated ly from XXXX to XXXX XXXX to dispute an auto account with XXXX XXXX auto finace on the payoff on XX/XX/XXXX. Where XXXX  XXXX auto fince was over paid on XX/XX/XXXX was not late I sent them all the documentation proving my point the pandemic had started on XX/XX/XXXX there was a Stay at home order issued in XXXX Florida I traded my car into XXXX XXXX XXXX They overpaid the payoff by XX/XX/XXXX to XXXX XXXX in California. XXXX XXXX Auto is trying to ruin my credit They refuse to correct the error NEVER have I been late on any car loan ever I have had many the pandemic caused the payoff to get there by end of the month when the payoff was still good and in fact overpaid XXXX XXXX sent an overpayment check to me XXXX for XXXX. I was never late on the payoff my car was traded in Nobody was at work due to pandemic they did pay off my car by end of the month before the payoff was due and the pandemic had started Equifax refused to fix this based on all the correct documentation I had provided them twice Now today XX/XX/XXXX, XXXX their representative said they no longer have documents oh well guess your late it stays I have never had an agency behave like this deliberate to ruin my credit these calls are recorded she refused to give me s a supervisor I am a victim of fraud and identity theft I watch my credit carefully. I was never late both Equifax and XXXX XXXX auto are wrong in this matter. I need help I am just a consumer I need the right thing done here. I cost money to make copies all the time I was hurt during the pandemic a nationwide stay-at-home order was issued in XXXX of XXXX. Please help to get the truth out XXXX XXXX auto is a large company and refuses to do the right thing so does Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was injured at work and finally received my impairment benefits through Texas workers comp. Unfortunately the insurance carrier did not submit funds to my current account and sent them to a closed account.

USAA then decided it was appropriate to tell me that my account was closed and charged off, which I was never given the opportunity to remedy the situation. 

However they have deemed it appropriate to keep XXXX dollars of impairment benefits from a work injury which is federally protected from leins and levies. At this point I am so tired of fighting USAA for them thinking they are above the federal law and state of Texas laws about the funds they are choosing to recover. Exempt funds are exempt for a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: TX

Complaint narrative:
I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX Bank Delaware Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : 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 2021-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX N Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: LA

Complaint narrative:
I received a loan from republic finance. I defaulted on the loan because I I fell into financial hardship. I was sued in XXXX and a judgement was rendered to me by XXXX XXXX.This judgement is over ten years old. They have charged me over 10 times the the loan and interest is recurring on interest. As a single mother it is no way I can come up with over four thousand dollars. I will be paying this loan for the rest of my life. I recurred {$2500.00} in interest Thur XX/XX/XXXX which is more than my principal balance XXXX and XXXX in attorneys fees and the more I pay the more my balance goes up. I am near XXXX  working 80 hours a wee to keep a roof over my kids head Im almost left no choice but to file bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Was called by a private number several times, the last time occurring on XX/XX/XXXX, that said they were collecting on a debt on acquired from Wells Fargo for overdraft fees from XXXX account. However, I did not have an account with Wells Fargo in XXXX. 

I did have an account with Wells Fargo in XXXX but closed it 1-2 years later in good standing due to their terrible business practices. I've never used them since. I was never contacted by Wells Fargo about this, they are the first to make such accusations about me. 

They said they are serving me papers and suing me for the amount of {$1300.00} and I would incur additional costs for legal fees resulting in more to be owed. They claimed they could not provide me with any information about debt to be collected. 

They said they were using a company called XXXX XXXX to serve the papers. The number they gave me to call was XXXX and a report number. Which I can provide if you need it.

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 2021-06-16 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: Persolve, LLC - Legal - Series 2
State: MS

Complaint narrative:
Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: PA

Complaint narrative:
I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Today, a collection agency named Source Receivables reported a {$1900.00} collection account on my credit report. Prior to the appearance of this phantom collection, I received no notification from Source Receivables, much less my 30 day notice of my right to dispute. So based on that, Source Receivables has violated my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX XXXX  XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to Experian, XXXX  and, XXXX  with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond 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 explanation
Consumer complaint received 2021-06-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2021-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation