vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: Allen & Withrow
State: AR

Complaint narrative:
XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with Allen & Withrow at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact Allen & Withrow at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with Allen & Withrow when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from Allen & Withrow. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to Allen & Withrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I filed XXXX  XXXX bankruptcy in XX/XX/2023 which included all my creditors. Avant- emailed to let me know about a {$2200.00} debt I have with them today XX/XX/2023. I called them today XX/XX/2023 and spoke with a rep. by the name of XXXX. I asked her for her agent ID for record purposes and she told me she didnt have one. I verified info for her to access the account I use to have and she explained that even on my account there is an ALERT that states not to contact me per my bankruptcy. I also explained to her that Ill be contacting my bankruptcy lawyer because of this and she didnt understand why. Its illegal to try and collect on a debt that was included in on a bankruptcy. Well they are still trying to get their money from me. It is illegal!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wanted to apply for a car loan with XXXX XXXX XXXX. However, I got a letter in the mail on XX/XX/XXXX from them saying that they were unable to offer credit to me because my credit score was low. Their reasoning was that I had an insufficient credit score, serious delinquency, ratio of balance to limit in bank revolving or other rev accounts too high, and the time since delinquency is too recent or unknown. I want to dispute this because my credit score is lowering for a credit card that never arrived to my house. I need you guys to please get in contact with XXXX to resolve this. Their phone number is XXXX. If this goes not get resolved, I will take legal charges because my credit went from a XXXX to a XXXX for no reason. I would like a response as soon as possible as to how this can get fixed. I also talked to a representative from your company like a month ago and she offered to return my XXXX dollars that I deposited for a fee of a card I never used. I received that check and I deposited in WellsFargo Bank. Thank you and have a great rest of your day.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/22 CFPB COMPLAINT THIS XXXX XXXX WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND EQUIFAX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/22 CFPB COMPLAINT THIS XXXX XXXX WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON EXPERIAN AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I have a VA loan. The original loan amount is {$56000.00} and I'm behind by {$15000.00}. I found a buyer who signed a sales agreement on XX/XX/XXXX. The closing date has been rescheduled 5 times. The lender refuses to provide a payoff letter so that I can sell the property. 

I had a XXXX XXXX Bankruptcy filed on XX/XX/XXXX and closed on XX/XX/XXXX. It was reopened because there was a balance of {$13000.00} owed to two of my creditors. 

The lender refuses to provide a payoff letter to me personally or the closing attorney that I hired. They are forcing me into foreclosure or another bankruptcy situation. 

There is enough money from the sale {$110000.00} to repay the lender, pay both realtors, and pay my two creditors. I have requested this letter multiple times and they are not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. XXXXndividual Is constantly being harassed by debt collectors sent by certain lien holders. Sharing personal information is illegal and fraudulent.

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 2023-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On today XX/XX/2023 XXXX XXXX XXXX  came to my residence @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. Stating that he wanted access to my roof because my residence was sold to a XXXX at the XXXX XXXX XXXX on XX/XX/2023. In which I knows absolutely nothing about and theres supposed to be some kind of Loan Modification Agreement between myself and Wells Fargo.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
XX/XX/22 CFPB COMPLAINT THIS SEVENTH AVENUE WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXXXXXX XXXX  credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX credit card is paid off and the account is closed.

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 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
The company added XXXX extra dollars to my loan the loan pay out was XXXX the loan amount is XXXX according to my credit report they already over charge me the loan amount for a XXXX  XXXX XXXX XXXX was XXXX some odd dollars the actual cash value for this car was XXXX dollars  I have a 63 month contract and the total amount in all was XXXX dollars  with XXXX miles its a rip off and I regret ever getting a Loan with them. Then the airbag was malfunctioning causing the airbag to come out and XXXX  me my XXXX  causing me to wreck my car which was a total loss Im screwed and I need your help. They also increased my monthly pay to XXXX and some odd dollars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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:
I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from XXXX  XXXX bank asking me if I have applied for any XXXX  XXXX XXXX credit card and I told them no. But a hard inquiry was left over on one of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX XXXX  XXXX XXXX XXXX and XXXX. 
For XXXX of showes few items On TransUnion if showes XXXX items Like XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from XXXX  XXXX bank asking me if I have applied for any XXXX  XXXX XXXX credit card and I told them no. But a hard inquiry was left over on XXXX of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX XXXX  XXXX XXXX XXXX and XXXX. 
For Experian of showes few items On XXXX if showes XXXX items Like credit XXXX, credit plus, XXXX  XXXX, XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of identity theft and they tried to open a credit card in my name and my credit score has dropped significantly I would like it removed.

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023 at XXXX XXXX, I went to my local branch of Regions Bank to purchase {$1000.00} USD to the equivalent value in Chinese Yaun, or CNY. Upon requesting the purchase in the same language I just previously typed, the teller at the counter stated the funds would be there the following Monday the XXXX there would be a XXXX charge for doing so. I agreed to the fee. And she deducted the {$1000.00} from my checking account. Then stated the exchange rate would be {$6600.00}. I showed her on my phone that the current exchange rate at the exact time of purchase was XXXX. She said that's what their computer was saying. I stated it was incorrect, and that we could settle the difference when my money arrived. Upon receiving the Yaun requested thay handed me {$6600.00} CNY. I asked about the difference from the KNOWN Rate. And she said that's all I'm getting back. I tried talking to the Bank manager, I tried talking to corporate headquarters, thet referred me back to the branch. When asked if it made any sense to purchase the equivalent of XXXX USD to CNY, and not receive it??? They said I was screwed. Then when I asked to sell them back the same {$6600.00} on XX/XX/XXXX when the actual exchange rate at the time was {$7200.00}, she offered me {$650.00}?! So the Bank is willing to steal {$350.00} from me! For my original {$1000.00}??!! I have tried everything I know to do. So I'm asking for your help. Thank you. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Never received card funds was wiped out. 

Filed but denied. 

Claim XXXX XXXX Nevada cash XXXX Last XXXX card number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called on XX/XX/23 to see what XXXX XXXX could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and XXXX XXXX did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences

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