vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least 10 agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.

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 2022-02-08 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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KY

Complaint narrative:
This company reached out to about a debt that was turned to their company from XXXX XXXX XXXX which is an apartment complex. They start providing incorrect information with amounts that was incorrect lease information that was provided to them with incorrect and misleading information I was told that they were going to do an investigation once I sent them the correct information such as proof of the lease and pictures and the dates that I moved i sent that infromation to the XXXX XXXX did not hear a response back so i sent an email XXXX XXXX asking for a status about the debt. Someone reach out to me from the company stated that the manager from XXXXXXXX XXXX XXXX  has not responded I ask them what the statue is or a time frame that she has to respond the debt collector stated that they do not have a time frame and since they did not get a response from the other party they will have to move forward and sent it over to the credit bureaus and i needed to dispute it with the credit bureaus. I told her that was not fair she hung up the phone and they stop answering my calls and stop responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: AL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I wired money from my chase account to XXXX XXXX, Account # XXXX for {$25000.00} onXX/XX/XXXX. the bank name was BBVA and changed to PNC XXXX XXXX never received the money so I went to branch with XXXX and I was told that I must recall the wire which I did but my money never been refunded to my account. I contacted my bank and I was given case # XXXX, XXXX After few months, my bank told me that they sent six follow up messages to them between XX/XX/XXXX andXX/XX/XXXX unfortunately we have to close a recall request because the beneficiary bank would not respond to us. Please see attached letter from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the XXXX and are outright refusing to uphold the law. It has been more than XXXX days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( XXXX ), a credit bureau is required to respond to you and complete their investigation within XXXX days. If they do not respond within this time frame, they must remove the negative listing disputed items.

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 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank stopped billing auto-payments for my XXXX XXXX XXXX without explanation and I am sure in error, threatened my credit score, yet will not provide a means to fix it. 

Purchased XXXX at XXXX store using their annual upgrade program. XXXX employee assisted to set up a Citizens Bank loan and auto-payments from my credit card. Auto-payments worked fine through XX/XX/XXXX. 

Starting XX/XX/XXXX, I received emails ( see attached PDF ) stating my payments failed. There is no reason for it to have failed because I have no issues with my credit card and there have been no changes such as new expiration date. No other payments have done this. 

The exact language was, We were unable to successfully process the scheduled recurring monthly payment for your XXXX loan XXXX. Please update the payment information on your XXXX loan at appleloan.citizensbank.com, or call us anytime at XXXX. 

I have tried getting help via the phone number provided in the email and other Citizens Bank customer service numbers but was unable to connect with a person to learn what is wrong. Over 15 calls and no combination of IVR selections lead to a human. ( Regarding this, their web page contact us was misleading in that it implies getting help from people, not limited to an IVR machine with limited choices. ) As suggested by Citizens Bank, I registered web access to the account at Citizens Bank online account and tried to fix it there. I verified the credit card number was correct, per last 4 digits ( redacted in attached PDF ). The buttons to manage the payment always went to a blank page. I verified my browser reader mode and blockers were off. I finally found a page that worked via the menu. I tried to edit the data, updating the blank CVV field but the continue button was gray and would not function. 

I contacted my credit card company to see whether they could help. They confirmed there is no issue with my card. They confirmed the last payment XX/XX/XXXX was successful. They had no record of any subsequent payment attempt. That contradicts the Citizens Bank record that says an attempt was made on XX/XX/XXXX and declined ( see attached PDF showing transaction declined ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
I have sent you a written request to validate my debt having account no. XXXX on XX/XX/2021. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/2021. However, the credit bureaus have already sent in their " verified '' documents. 

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}, which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies. 

I am demanding immediate removal of this account from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX, XXXX, or any third party ) request shall be sent to me immediately. 

IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE. 

I am waiting for your immediate action to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a hard inquiry on my credit check that is with XXXX XXXX XXXX XXXX  and I never inquired.

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 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
The loan company received the payment and it cleared my bank on the XXXX of XXXX. However, they didn't " post '' it until XX/XX/2022 so they are charging me late fees. It is crooked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least XXXX agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.

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 2022-02-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
there was {$1200.00} charged by XXXX on XX/XX/2021 from my credit card and the same amount from my husband 's card on XX/XX/2021, I disputed the double charges transaction with chase bank, they put temperate credits back to my account. On XX/XX/2021 there were rebill charges of {$1200.00} from my account, they said it was valid transaction so I re-disputed it for this charge, until today the merchandise still did not receive the return of chargeback as well. on XXXX XXXX the dispute letter from chase bank confirmed it was a valid transaction and I do not qualify for full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
After being hounded incessantly and continuously even during the pandemic, I agreed to a settlement offer from Navient. I understood this would pay ALL my loans with them and be final. I used my pandemic assistance money and paid them {$2200.00} on XX/XX/2020. 
I waited for them to say I was finally done with them after more than XXXX years. 
I learned I wasn't. 
AFTER I paid the amount to stop the harassments once and for all, I was informed it did NOT pay all the loans... .only XXXX of XXXX DIFFERENT LOANS! 
My offer letter continuously referred to the loan ( XXXX ) I was paying off in the plural, clearly and purposefully misleading me to believe I was paying all my loans off. 
Fast forward to today and now Navient has lost a lawsuit requiring them to forgive my debt as part of punishment for this exact kind of gross misrepresentation. 
They misrepresented themselves back in XX/XX/2020 and I want them to give me back the {$2200.00} they took from me under duress and under false pretenses. According to the terms I received of the lawsuit, payments made during the same period I made mine have to be given back. 
Please help me reach out to them and get the {$2200.00} back, It was a huge amount for me then and now, without pandemic assistance, is even more important. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO XXXX XXXX XXXX ( XXXX  ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MI

Complaint narrative:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : I called Wells Fargo to have them close XXXX of my smaller bank accounts, one of which I believe is currently involved in a lawsuit. Instead of closing the XXXX small accounts, Wells Fargo made a 'mistake ' and closed my main bank account which has many automatic payments attached to it. I have had this bank account since XXXX. I called Wells Fargo, and they said they were not able to reopen the account, and would need to investigate. My wife also went to the local Wells Fargo branch to explain the 'mistake " Wells Fargo made, and was unsuccessful in her attempt to reopen the main account. My wife and I both lost several hours of work, trying to work with Wells Fargo to fix their error. In addition, we are having spend time to change automatic payments to another account. 

This has caused much financial and emotional distress for us. It is such bad business practice that Wells Fargo can make a mistake and close a bank account immediately, and not be held accountable to fix their error. 

XX/XX/XXXX : I received an email that Wells Fargo is working on the problem, and would contact me within 10 days. It's amazing how they can disrupt our lives in a second, yet take 10 days to look into whether they can fix it or not.

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 2022-02-08 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 contacted XXXX, the submitted a letter with no proof of any late payments on my part, the did not correct the problem, and they are blaming the reporting agencies,

Company response to consumer: Closed with explanation