vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXXXXXX I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.

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 2023-04-15 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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.

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 2023-04-15 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: NC

Complaint narrative:
Dispute has been pending since XX/XX/ with no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The Company PAYPAL has my banking information so i can pay them a minimum monthly. NOW they ILLEGALLY withdrew {$7300.00} without my permission. I do not pay in full in any of my credit cards. I only pay a minimum. This is criminal. Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank teller applied my cash deposit to account belonging to another bank customer. I have the deposit receipt showing the incorrect account. The bank manager has to wait for an investigation to be comleted. This delay in correcting the bank 's obvious error will prevent me from making my truck payment, causing damage to my credit file that will take years to overcome and will lesd to higher credit costs for 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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about 50 points recently. The card issuer is XXXX XXXX XXXX XXXXXXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.

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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
I was sent a 1099C debt cancellation from Sensible auto on account number XXXX. I also have a UCC1 filing on the vehicle file number XXXX and this vehicle is an asset in my trust Account with XXXX XXXX, recently sent a complaint for this company to send me my title and they refused, they continue to try and report debt on my credit report i finally got them removed from all 3 credit bureaus and now I wake up to my car being illegally repossessed!. They took my car and I tried to call them and they wont allow to to retrieve my car or my belongings. I own this car this is not right that I pay it in full bit they have the right to take my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
The student loan does not belong to me nor have I personally requested a loan after XXXX. I have one with a private company ( XXXX ) and I am in payments with them. I do not have additional loans that I requested and it shows I now have more open loans. I now show I have 4 additional loans open in XXXX. I completed my education in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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:
There is a reporting on my Experian credit report that has exceeded the 4 year statute of limitation that should have been removed. There has been no activity on this account for over 6 years. It is being reported as XXXX XXXX XXXX. They keep reporting every month and updating it after my repeated requests to Experian to have it removed. I've filed numerous disputes to no avail. They refuse to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been charged several overdraft fees of {$35.00} when I had funds and once these fess posted my accounts ended up in the negative. I also recently encountered an issue when {$100.00} was withdrawn from my account. Wells Fargo has told me that the case had been resolved and a flaw was detected. 1-2 weeks later I receive an email saying my account was in the negative by {$100.00}. Wells Fargo has reversed my claim. when I spoke with them over the phone they stated that there was nothing they could do and that if I felt like someone stole the money from my account I will then need to file a report through law enforcement as they are the only ones that may handle these type of cases.

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 2023-04-15 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: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau : Wells Fargo has been mismanaging my mortgage for the past year and a half. On top of this, they have assessed additional fees and interests without any notifications or approval on my end. These faulty errors are causing me a loss in the excess of {$50000.00}. I am surprised that they have sent letters about escrow shortages, even though I have constantly been consistent. I am also on a fixed rate mortgage, therefore the interest should not be fluctuating as it has. My bill from when my mortgage started to how it is will serve proof as to how my mortgage is being handled. I am saddened that XXXX XXXX  gave them my account and I could not choose what lender bought it, otherwise, I would not be having to face the mismanaging. I work too hard to be cheated. 

Not to mention, much of my states assistance funds I received during XXXX in XXXX were not been allocated and disbursed correctly. Rather than correct these issues as well, all of the agents did not understand any of what was going on with my account. In an effort to maintain my mortgage they forced me to pay an escrow shortage over the phone and they had me disclose my routing and account number over the phone. They stated that it was necessary or I would be at risk of foreclosing. Something illegal seems to be going on. Whether it is an automated issue that is going on or intentional harm, I ask that these damages be recompensed by applying these considerations back into my mortgage account. 

Attentively, 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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This concerns my PayPal Credit Account XXXX Synchrony Bank ). I request each month that a portion of my payment be allocated to retire Promotional, Special Financing Purchases. I usually complete this easily via PayPal Credit 's chat function. This month ( XX/XX/2023 ), I chatted on XX/XX/XXXX with instructions regarding how to apply the payment, as I have done for months. I always review this chat call within 2 days of completion to confirm correct allocation of my payment to the corrrect Promotional Purchases. On XX/XX/XXXX I engaged in a new chat on the PayPal Credit site b/c my payment instructions from the XX/XX/XXXX chat were not followed correctly. In the XX/XX/XXXX chat I pointed out the error and the agent stated it would be corrected pursuant to my instructions. In each chat session, I finish with a recap to confirm the instructions are followed. The agent confirmed understanding of my instructions on XX/XX/XXXX. On or around XX/XX/XXXX or XXXX, I confirmed that the payment had been misallocated again. I called PayPal Credit directly at this juncture to correct the errors again. After reviewing my account online on XX/XX/XXXX, I confirmed that the misallocation still existed and further, PayPal Credit actually increased the balance of one of my Promotional Purchases by {$100.00} in its error-filled misallocation of my payment. On XX/XX/XXXX I called again to address the issue. The manager I spoke with stated he could not correct the current allocation ( b/c we had passed into a new billing cycle ) and would put in a request to " review. '' This situation will now cause me to incur over {$120.00} of deferred and accrued interest on the Promotional Purchase that expires in XX/XX/2023. This is a constant problem with PayPal Credit ( Synchrony Bank ) and is now causing me direct financial harm. Due to antiquated legacy systems, Synchrony is not able to correct my account for XXXX to 60 days, and provided no assurances I would not incur the deferred/accrued interest charges, due directly to their errors. No admission of the errors or misallocation were offered and no apology. I am asserting direct financial harm in the range of hundreds of dollars as a result.

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 2023-04-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report i was shocked to learn i have been a victim of idenity theft. Ive found numerous accounts on my credit report that were not opened by me, This has been hurting as i am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-04-15 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: SC

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate 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 2023-04-15 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: SC

Complaint narrative:
On XX/XX/2023 I received a copy of my credit report I was shocked to see an account listed by XXXX Acct # XXXX with a balance of over XXXX XXXX dollars. First of all I never consented to my information being used to open this account nor have I ever received any goods or services from this creditor. This is fraud and I want this item investigated immediately. The amounts owed reflect different balances with the credit bureaus which again is a violation of the FCRA and the dates of activity is inaccurate 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 explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2021 we booked 4 rooms at the XXXX XXXX XXXX using our Barclays card. Our scheduled stay was from XX/XX/2021 to XX/XX/2021. Due to XXXX XXXX we stayed only one night in 3 rooms. Prior to arriving I cancelled the 4th room on XX/XX/2021. We cancelled the remaining nights on XX/XX/2021 morning. Our family was trying to get a XXXX test but was unable to so we travel back home to be tested. The hotel was fully aware and we were advice we would receive a call from the manager. We never received a call back after several calls. We informed XXXX and disputed the additional nights. Upon receiving our bill we had additional charges we never agreed upon. We disputed with XXXX and the denied our claim stating we agree with all charges. Was advised to write a letter which I did. Sent via fax and postal services. Called to check status in XX/XX/2021. Was advised received and still reviewing. Reviewing old statements and realized today this was never fully resolved. 
Charges on XX/XX/2021 {$700.00}, on XX/XX/2021 {$710.00}, on XX/XX/2021 {$40.00} ( dont know what this charge is for ).

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 2023-04-15 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation