vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc.
State: NJ

Complaint narrative:
What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. 
So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XX/XX/XXXX, I was forced to overpay unearned late fees of {$2800.00}. 
For 8 years Nationstar has secretly allocated {$11000.00} after deleting all contemperaneously charged late fees and a single {$990.00} deferred late fee. 
I owed {$1500.00} in late fees. 
In XXXX, XXXX and XX/XX/XXXX, I provided clear evidence of this inaccurate payment allocation, Nationstar 's counsel claimed was updated XX/XX/XXXX, and then after causing my prejudice by fraudulently obtained XXXX waiver and release, the counsel waited a month and disclosed that in fact no update to lines XXXX were ever actually made. 
XX/XX/XXXX I wrote a required notice of error. Nationstar acknowledged the notice XX/XX/XXXX, and refuses to respond with a data entry correction in lines XXXX and refuses to provide me with an accurate account history of my loan. 

I was provided a Verification of Mortgage that also claims I had XXXX current payments when the final payment was current and the first XXXX were generated 16 days after the due date and paid the date I received them in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I got my background check complete for work and noticed a address which I've never visited or lived before. I also found it on my experion credit report. 

Address is XXXX XXXX XXXX XXXX, CA XXXX I have been a victim of identity fraud before as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have contacted this National Credit Systems XXXX numerous times XXXX regarding the amount that they are stating that I owe and asked them to submit the corresponding information that I owe this amount XXXX and they have not responded nor sent proof of this account. Under the Fair Credit Reporting Act. I would like this item removed from my credit report, or I would like them to submit proof that everything is accurate on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A few years back in 2013, my identity was stolen, I was out shopping with my mom for the holidays and someone swiped my wallet. Since then, the person that stole my wallet has opened accounts in my name with out my permission and now my credit is messed up, I am in the process of trying to fix my credit and this is not an easy task to do when I cant even open a simple second chance account. With me being in XXXX because of this I have to use third party banking like XXXX XXXX XXXX XXXX and thats not fair to me. I want to be able to go into a bank and speak with a banking professional when I have an issue but I cant do that with XXXX XXXX XXXX XXXX. If you are offering second chance banking without using XXXX then thats exactly what you should do. Instead of falsely advertising that then when people like me sign up, I get denied because you actually secretly used XXXX  to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX and Account Name : N/A and Account Number # 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. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KY

Complaint narrative:
On XX/XX/2022 I put in a request to receive a student loan refund. 
I called on XX/XX/2022 and was told it has been sent over to the department of education. I called on XX/XX/2022 and was told they are still processing it and it hasn't gone to the department of education. 

At this point I am upset because I am feel like I am getting the run around and that they do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; XXXX ) Extended Credit XXXX ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) XXXX XXXXXXXX XXXX ) XXXXT XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ALL INQUIRIES XXXX XXXX ALL LATE PAYMENT Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo added a false charge of {$2100.00} onto my credit card account. They claimed it was a balance transfer because I cancelled my credit card for that account but the balance they claim was transferred is not money I ever owed. 
I already had a balance on my account of {$5000.00} for charges I made and the only reason I cancelled my Wells Fargo credit card was because of fraud and I ordered a new credit card and then Wells Fargo added a {$2100.00} extra charge onto my account and I dont even understand where that charge came from and it is not money that I owe. I called Wells Fargo and asked them to go through all of my charges with me on the phone and to tell me where the extra {$2100.00} charge came from and they couldnt even explain it to me. They just repeatedly said it was a balance transfer from the credit card you had replaced. Which makes absolutely zero sense because I have replaced my Wells Fargo credit card many times this past year due to fraud and I never had a random charge on my same credit card statement called balance transfer. 
I have added up every charge on my statement and all of the payments I have made in the past few months and this bogus {$2100.00} balance transfer charge is fake and Wells Fargo can not explain to me where that charge even came from. 

Here are all of the payments I have made on my Wells Fargo credit card balance since XX/XX/XXXX when I had a XXXX balance on the credit card. 
XX/XX/XXXX - {$2800.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX - {$100.00} Since the time my balance was at {$0.00} on my credit card statement, if you add up all of my charges and then subtract the payments I have made on my credit card, this balance transfer charge of {$2100.00} came out of now where and is fake and Wells Fargo is trying to steal money from me with a bogus charge.

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 2022-10-20 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: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ).

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly.

Im depressed and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court

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