vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: MA

Complaint narrative:
I have disputed the accounts below on at least 3 occasions via certified mail. On each occasion I asked that the credit reporting agencies show me the methods used to verify the information as accurate. I also have the right to request that they produce the original contract from the original merchant with my wet signature. This is a crutial step in authenticating the debts. By law a collection agency that is authorized to collect on a debt must possess the original contract from the original merchant, with my wet signature in the debt verification process, under the FCRA 609/611 provisions. If said contract can not be produced, I may take legal action against the collection company, which may result in compensation to me, under 15 US code 1681 I. As a credit reporting agency, it is their duty to ensure the credit reporting laws are upheld. Once again, I need Transunion to provide me with the original contract and their methods of verifying the debt as accurate. 

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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
THEY HAD NO REASON TO CLOSE MY ACCOUNT AN WHEN THE BANK CLOSED MY ACCOUNT THE BANK NEVER SENT ME MY MONEY WHEN THE BANK CLOSED MY ACCOUNT!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I filed a previous complaint XXXX with the CFPB regarding my XXXX payments not being paid. On XX/XX/2022, Wells Fargo said they would pass it along to be answered by the XXXX group. They never responded and you closed the case. 

Please reopen the case so I can get the response that was promised 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 2023-01-24 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Resurgent Capital Systems XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had tried to get resurgent capital services to give me statements from when the debt was opened to the time the debt was closed. They have not given me the information I requested. They keep calling my family members & harassing them about my location. I have asked them multiple times to stop they will not & they continue to do so. The company needs to provide me with all information regarding my credit report. they will not send me information saying they can collect debts in Washington State. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-24 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: World Acceptance Corporation
State: AL

Complaint narrative:
I have learned that World Finance XXXX owns the referenced debt and is responsible for the credit reporting. 

I did not receive notice of the debt being sold. 

The FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. 

This account is not timely as the last reporting dates XXXX, 2019. In addition, the balance is incorrect. 

I request that if World Finance XXXX is going to report this account onto my consumer report then it is reporting timely, verifiable, and accurate as the FCRA states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Ive already submitted multiple complaints about citi bank they are telling me in response no account with my name. Ive called for the last 4 weeks to get my funds sent to me. XXXX in my account and Ive got evicted from my apartment. Lost my car and job. Everytime I call them they Hangup on me and tell me I will get a check when they are done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 sates 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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bank with Truist bank. On the dates of XX/XX/XXXX and XX/XX/XXXX someone duplicated my debit card and charged {$2100.00} worth of fraudulent charges at a XXXX XXXX in XXXX XXXX Florida using the duplicated debit card. I called Truist and let them know someone had duplicated my card and made fraudulent transactions using the duplicated card. Truist claims that their debit cards can not be duplicated so I had to be present and using the card at that time. However, I live in XXXX, Maryland and was in XXXX, Maryland at the time of the transactions at a work retreat. I have 19 people who can attest to my whereabouts on the dates the transactions occurred. I submitted proof to Truist Bank that I did not make the transactions and that I was not in Florida at the time of the transactions. I also walked into a bank branch on XX/XX/XXXX and Truist representative acknowledged this and cut up my cards and opened all new accounts for me. Now Truist is denying my claim of {$2100.00} even though their systems allow for duplication of truist debit cards. I repeat I was not in Florida where the transactions took place. I have proof of this. I did not authorize the purchases I have proof of this. Truist is liable and needs to refund me for the fraud on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: IN

Complaint narrative:
I sent a letter on XX/XX/2022 asking XXXX, TransUnion and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.

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 2023-01-24 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: TX

Complaint narrative:
I submitted a complaint on this site before. Complaint # : XXXX. 

I received a response from the credit bureaus regarding the account that does not belong to me. I need assistance in having this account removed. 

They updated the information on the account, but I would like to receive a copy of the documents they received from the creditor to update the information on my credit report. 

Attached you'll find my Drivers 's License & Proof of Address.

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 2023-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I opened a cd account but was told that i could only make it a joint account AFTER it was set up. However, it has been impossible to ad my wife to this account. we have spent more that XXXX XXXX hours on the phone with them. There is a continual problem with IDENTIFYING my wife [ XXXX XXXX ] even though we have gone through numerous step including sending id photos to them. There is always a problem and they request that we go on this never ending loop of repeating the same steps over and over with the same result. Their only " possible '' solution is for my wife to set up a savings account with them. This even though she already has a credit card with them. After numerous attempts [ some suggestions have been to " just wait a few days and try again '' ] I requested that they close the account without withdraw penalty. This was done on the day that the account was finally funded from my other bank. They refused to agree, and again suggested she open an account with capital one Upon further investigation I also found out that when the cd matures there are only TWO ways to redeem : Roll it over, or open up a savings account with Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: AL

Complaint narrative:
I contacted cash app customer service and told them I needed to get into an old cash app account I didn't remember my email or phone number the only thing I could remember was my cash tag and the last four digits of my card number she said all she needed was an email or a cash tag called them back got another person they told me that they were having security problems helping me open it back up and then they go from one story to another but the IRS sent me money into my old cash app account that I don't have access to and they won't help me get access to it because of security reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: HI

Complaint narrative:
Hi there. I have a lease with US Bank for a XXXX XXXX XXXX. I had personal circumstances arise where I have to move to XXXX. I want to point out that when I purchased the XXXX, my driver 's license was from the state of XXXX. My house in XXXX just sold and I would like to take my XXXX with me. However, US Bank won't let me take the car due to the contract ( Section B7 ). US Bank also won't allow me to sell the car to a third party. The only options they are giving me is to purchase the XXXX. However, the XXXX remaining lease payments and fees would be added so the purchase price would be very high ( more than it is worth ). The second option is to drop the car off at a dealership and get a bill for the remaining lease payments plus fees. Both options are very expensive. I have tried to talk with them, but they won't help. I attached the lease contract ( XXXX template ) and their denial letter.

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 2023-01-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.

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 2023-01-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA . He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXXXXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went to the XXXX  XXXX XXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, XXXX, sXXXX XXXX XXXX XXXX and didnt want to mess up my GPA XXXX He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXXXXXX XXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.

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