vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I was scammed through XXXX and had {$1000.00} sent to a recipient, claiming by the caller they were the bank and they were helping me reverse the transaction. The recipient email was entered as XXXX and my name was entered into recipient name area. XXXX XXXX was put into the memo line of the transfer. After the money was taken from my account I called my bank fraud department ( wells fargo ) and filed a claim within minutes of this happening, claim number XXXX. I was told the money would be returned to my account within 10 days. The bank provided a provisional credit while they looked into the case. On XX/XX/XXXX the bank took back the provisional credit of {$1000.00} stating the case was closed on XX/XX/XXXX and my claim was denied because I authorized the transaction and the money went to the designated recipient. I called Wells Fargo on XX/XX/XXXX and was told someone would call me back to assist me with reversing the denial. I called again on XX/XX/XXXX after not hearing from the bank and was told someone would be calling within XXXX hours. On XX/XX/XXXX I received an email explaining that my claim was denied because the transaction processed correctly.

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 2022-01-05 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: GA

Complaint narrative:
I paid the debt with XXXX XXXX XXXX and closed the account on XX/XX/XXXX. TransUnion has not updated the status of this account since XX/XX/XXXX and and refuse to update the account to paid and closed. As of today, that collections account is still showing as open and derogatory in comparison to XXXX and XXXX who shows it as paid and closed. I have sent numerous correspondence to TransUnion however they refuse to update the status of the account in order to report accurately.

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 2022-01-05 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: MI

Complaint narrative:
We were hit with XXXX in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called XXXX XXXX multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with XXXX  XXXX as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.

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 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a truck from a dealership called XXXX XXXX XXXX. 

I paid a {$15000.00} down payment and was under the impression that this same mode of payment would be used on the payments moving forward. When I asked if the payments were on auto-pay, I was told, " That is all set up with the lender ''. Which seemed to mean it was already set up however I was unaware of the fact that this dealership doesn't actually know which lender they are going to use at the time a vehicle is purchased. They spot deliver the vehicle and then go shopping for loan rates ( you can see in the attached file my truck was purchased on XX/XX/XXXX but the loan wasn't opened until XX/XX/XXXX ). 

The address the dealership passed onto Wells Fargo ( the bank lender that ended up providing my loan ) was incorrect and so I never received the mail of my opened account with Wells Fargo ( Wells Fargo confirmed the mail was being returned to them and that they never sent emails, they did have a record of calling out to me but never made contact with me because I am suspicious of random phone numbers and they ). I did not know I had anything to do with Wells Fargo until a collections person reached out to me on XX/XX/XXXX after my account was already reported as delinquent. 

Because the moment I received contact from Wells Fargo ( XX/XX/XXXX ) and was made aware of the loan I had with them I paid the one late payment and current payment and have kept my account perfectly up to date, they have waived my late fee but would not remove the delinquency from my credit report. 

I should have made myself aware of the fact that the payments weren't being taken from my account. 

However, due to the following everything seemed to be taken care of. 

-I was under the impression from the dealership that I had already been set up with the loan. 

-I was led to believe by the dealership 's specialist it was on autopay. 

-I never received notice of a new loan account being opened. 

I never received notice of payment needed. 

I never received notice of a late payment... 

Once I did get contacted, the payment was made immediately. ( ON XX/XX/XXXX ) I have been current with any and all of my accounts. I strongly believe it is clear that this situation was a mistake from multiple angles and it misrepresents my credit history for a delinquent account to be listed on my credit score. 

I also included a screenshot that you can see that all payments have been made since I was made aware of the account and look at all of the account details.

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
https : XXXX XXXX XXXX XXXX XXXX Female caller refused to identify company claimed my son gave the number as his, which is a lie. This is not the first time this company has called me over a dispute with my son, who is an adult. Each time they say they are going to remove me from their data base. They lie. 
Today is XX/XX/2022 incoming call XXXX am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a medical bill from XXXX XXXX XXXX XXXX. I had insurance and this should have been billed through my insurance company. I didn't have my insurance card on me - as i was the one being seen so i called them back after i was released from the hospital and gave them my information. I didn't hear anything for months and then i get a collection in the mail stating this was never paid. I tried calling back to XXXX XXXX and they said it was moved to collections. I called RMP LLC for them to bill this to my insurance company and they said they can't. I don't even know what to do about this- i gave XXXX XXXX the info they needed and somehow my claim didn't get processed thorough insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-01-05 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: CBC Companies, Inc.
State: FL

Complaint narrative:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for XXXX mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for XXXX mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Credit Plus Inc
State: FL

Complaint narrative:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for 1 mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I was a XXXX  independent consultant who purchased jewelry and accessories from XXXX  XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. This company advertised the jewelry as lead and nickel free. I have asked them to provide me with their test results proving that the jewelry is lead and nickel free and they have refused. I asked them to refund my money and they have refused. The jewelry has since been tested by a 3rd party accredited lab and it shows very high levels of lead and nickel which is not compliant with California Prop 65 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Check Cashing XXXX XXXX date : XX/XX/2021 ... .My credit was ran by this company on the following date without my permission or consent... I'm trying to get them off my credit report...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
HYUNDAI MOTOR FINANCE, ,THEY ARE REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS AND THEY SAY THEY ARE NOT RESPONSIBLE FOR 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 2022-01-05 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:
TRANSUNION and XXXX XXXX  XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-01-05 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: NY

Complaint narrative:
the credit bureau is reporting this collection as an " OPEN ACCOUNT '' which it is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. 

collection account on my credit report is XXXX XXXX FOR {$630.00}. 

This is being reported incorrectly as an open account. I need this removed and deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I got a mortgage through Citizens Bank in XX/XX/2020. Working with the loan officer, I told him I needed my payments to be around $ XXXX. They were able to do so. 18 months later, my escrow is {$10000.00} deficient. Turns out, they used previous owners taxes as my estimation, which is normal procedure, however, my condo is in a PILOT program, in XXXX XXXX, XXXX So Taxes are based off of sale price. I bought my condo at a much higher price than the previous owner ( original owner ) ... Citizen 's position is my taxes went up so therefore my escrow is deficient now requiring $ XXXX mortgage payments which are outside my budget. My taxes actually went down, however, yes they did go up from the estimated amount ( based off the previous owner ) but that was an ERROR on citizens as they should have been aware it was a pilot program and known taxes would be based off my sale price, not the previous quarter from the previous owner. 
Furthermore, in conversations with Citizens, they told me on the phone they could spread out my escrow payments to reduce the monthly payment to {$3600.00}, still too high but a little more reasonable and allow me a little more time to figure this out. That conversation took place on XXXX with XXXX XXXX. However, Citizens just took out {$4300.00} for my XXXX monthly payment, so I was provided false information by Citizens, since the {$3600.00} never happened. 
At this point, Citizens is no longer returning my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hello, so the debt I had was removed off my credit report by the original creditor which was ( SPRINT )!! The balance of {$900.00} was removed, It was then sold to a new company ( CONVERGENT OUTSOURCING ) which I don't owe. I've requested for them to remove the inaccurate information if they couldn't verify this debt. I wrote the credit bureaus on XXXX, XXXX, XXXX, I also wrote the company directly on XXXX as well. This matter has not been yet resolved and the debt is still on my credit 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 explanation
Consumer complaint received 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
I graduated from XXXX XXXX and University in XXXX, Ohio in XXXX. When I graduated I received a notice I had an outstanding balance of {$3300.00} from courses I had to repeat. The Financial Aid office failed to mention that my scholarship did not cover the entire class. Then I collection email from key 2 recovery for {$4200.00} and I was just finishing school which I actually finished in XX/XX/XXXX. I asked them what was the additional amount for and they said collection fees. I told them how is that possible when I was never told there would be collection fees. They started harassing my wife and my family to get in touch with me. I was not working at that time and I also asked for them to send me a detailed billing notice for the charges. Fast forward to XXXX of XXXX. They contacted my wife and said her paycheck would be garnished for my debt because I was her husband. They sent an email stating we could not pay via checking account or debit card that we had to wire the amount to Key 2 Recovery at XXXX. My wife then asked could we mail payments and they said no it had to be a wire transfer to make sure they received it and that we didnt say we mailed it but really didnt. My wife sent {$4700.00} over 8 months so they wouldnt garnish her checks. We received an email on XX/XX/XXXX stating we still owed {$900.00} in late fees, cumillated taxes and penalties and court costs and I could not receive my degree until it was paid in full. I contacted the school and they said they havent received a payment from key 2 recovery as of this date. I informed them of what we have paid and they told us to contact the company. I contacted the company again at XXXX and asked to speak to our collections agent XXXX XXXX. he stated he would contact the school to clear this up. He called again and left a message for us to return the call at XXXX and we still have yet to hear anything.? i want my diploma and our receipts asap. and this to be cleared up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation