vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Dear Sir, This investigation resolved some of my issues. Early warning did delete some of the derogatory items on my previous consumer reported as per their previous attached letter. The pending Items with XXXX are not resolved. They deleted two of the the four erroneous accounts ending in accounts # XXXX and # XXXX of XXXX. They didn't delete the other two accounts with XXXX are duplicates. # XXXX and # XXXX. The same information is being reported. They just kept two accounts open with same account numbers with XXXX. These other two derogatory accounts with XXXX that remain have the same last four digits of the account numbers of the two XXXX accounts that were removed. If you look at the last four digits and the account information the accounts is the same. Early Warning never addressed why XXXX XXXX XXXX made an inquiry to my account? They just removed it without addressing which branch authorized the inquiry. Early Warning was trying to tell me it was identity theft. If that was the case there would of been a branch associated with the inquiry along with a routing number and account number. There was none. They just removed the inquiry without a true explanation. I'm not letting this go. Early warning is co-owned by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. I originally stated that one of these banks above has been trying to black ball me in the banking industry. I will get to the bottom of this. I have been Harmed by Interference with XXXX XXXX for over seven years. I'm not going to rest until I get these last two derogatory items deleted from my Consumer report. I have contacted XXXX and they no longer have record of these accounts in their system. Who did Early Warning contact at XXXX to verify these two accounts? How many years does negative account information remain on your Consumer report by FCRA?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loan care keeps calculating my property tax in an incorrect way, resulting huge increase in my escrow payment. According to the escrow analysis statement they sent in XXXX, they calculated the school tax twice when they anticipate the property tax payment in XX/XX/.

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 2023-04-10 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Regarding AMSHER, In my complaint, I never received notification of this debt prior to credit reporting which is a violation of the Fair Credit Reporting Act. I am currently purchasing a home from XXXX, and it was brought to my attention that I had an open collection from AMSHER. The credit report company made me aware of the debt via credit monitoring and as soon as I was aware I called to try and resolve it. Also I did not agree that the debt was valid but I paid it because I thought it would help secure your home purchase. unfortunately, they are refusing to delete or remove from my credit report, which is causing an issue with me purchasing this home at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a car loan with Wells Fargo on XX/XX/22 for {$22000.00} and for my credit I got an unreasonable high interest rate and theres issues with the gap insurance when I was finalizing the purchase of the vehicle. Also, the tactics used by Wells Fargo in order for me to purchase. The vehicle purchase overall seem very deceptive and at times it seems illegal.

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 2023-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a Home repair loan from Wells Fargo Bank that was forged with a fake digital signature from their partner in business XXXX XXXX XXXX XXXX XXXX Company. It was a setup with the intent to finance the project with a Predatory XXXX. The interest rate is near 30 percent, my credit score is around 840. There was no full disclosure, no truth in lending.

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 2023-04-12 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct XXXX ( total {$1500.00} originating from XXXX XXXX XXXX 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. I have attempted numerous times over several years to have this issue corrected with no relief and it is hindering my ability to purchase a home as a single mother with no support from the other parent

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 2023-04-12 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct XXXX ( total {$1500.00} originating from XXXX XXXX XXXX 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. I have attempted numerous times over several years to have this issue corrected with no relief and it is hindering my ability to purchase a home as a single mother with no support from the other parent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: DE

Complaint narrative:
On XX/XX/XXXX a collection account from XXXX XXXXXXXX XXXX appeared on my credit report. It was disputed two different times with Experian credit bureau. Last dispute number XXXX was generated XX/XX/XXXX. The results to this dispute was fraud, and removed from my credit report. Also, Experian set a fraud credit alert on my credit to help resolve any future fraud issues. On XX/XX/XXXX of XXXX same collection item from XX/XX/XXXX reappeared on my Experian credit report. I spoke with representative on XX/XX/XXXX regarding this issue. I was advised that another dispute would need to be done and I would need to wait 30 days for results.

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 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I asked them repeatedly to stop calling and mail me the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to get a {$500.00} check from Capital One for 3 months and they keep giving me the runaround. 

In early XX/XX/, I cancelled my Capital One Venture Card. On or about XXXX XXXX XXXX, I was issued a refund of {$500.00} from XXXX that was reflected in the account on or about XX/XX/2023. After speaking with a representative that month, I was told a check would be issued in a couple weeks. I confirmed during the call that the check would be sent to my correct address in XXXX XXXX, CA. After waiting 4 weeks, I called back as I did not receive anything in the mail. I was told the previous check would be voided and that I would receive another check. The representative confirmed that both the prior check and the new check had my correct address. In late XXXX, I went to my old address in XXXX, CA and saw that Capital One had misinformed me and sent the {$500.00} check to the incorrect address. Unfortunately, this check was already voided and I could not deposit it. On or about XXXX XXXX XXXX, I called and indicated that I had not received anything in the mail. I was told that another check would be issued to my correct address and it would take 15 business days. I asked why the check couldn't just be direct deposited or sent over night and they said the representative said they couldn't do that. I called back on XX/XX/ as I still had not received a check in the mail and was told that 15 business days would be on Friday, XXXX XXXX XXXX I called back on Saturday, XX/XX/ as I still had not received the check in the mail and was told 15 business days would be Monday, XX/XX/2023. I called back on Wednesday, XX/XX/2023, as I still had not received a check in the mail and was told the check was issued on XX/XX/2023 and to keep waiting. It is now XX/XX/2023. I have waited 3 months to be reimbursed and have been lied to or misinformed. This is not an issue where the mail is delayed as I have never received a check from Capital One at this address in 3 months. At this point, they have committed theft. Please help me get my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 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: RI

Complaint narrative:
I have sent a letter out the XXXX  XXXX on XX/XX/2023 asking them to provide me with a copy of the 1099-C that was issued by their company when they charged an alleged debt off with the IRS which is required by law for all debts over {$600.00}. I have yet to received a response. Also my rights have been violated according to the FCRA 15 USC 1681B ( a ) ( 2 ) This company did not receive any written instruction by me to publish such allegations onto my credit report.

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 2023-04-10 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account XXXX ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX  XXXX Account Number ; XXXX Account Name ; XXXX XXXX XXXXXXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am eligible for TPSLF, and I have been working in the public sector for over 15 years. I submitted my Employment Certification Forms ( ECFs ) to MOHELA on XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX, and she said that my loans were transferred from the Department of Ed/XXXX XXXX to them and that it would take up to 90 business days for them to process my loan information. On XX/XX/XXXX, I contacted MOHELA to let them know that they didn't receive any information regarding my loan transfer or any information about my loan counts. The representative told me that he didn't have any information in his records that my loans were transferred and that he would put in an expedited request. He said that it would take 45-90 business days for MOHELA to receive my loan information. I have been given the run around for over seven months, and by now, I should have an accurate loan count. This has been beyond nightmarish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I received information that a " missed payment '' was reported to the bureaus for the month of XXXX. 

The payment was made on XXXX. In XX/XX/XXXX I was charged a late fee for XXXX payment. 

This is correct. Each payment after has been on the XXXX, or XXXX of the month. XXXX was made early. 

The reporting is inaccurate. The balance " DUE NOW '' has been the same since XX/XX/XXXX, with no missed payment reports to the bureaus. 

XXXX was not missed but paid earlier.

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 2023-04-10 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years.

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

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 2023-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I took out a personal loan with Ally Bank and paid it back in full on XX/XX/XXXX. That same day after I paid the loan in full they pulled my auto debit payment of {$300.00} even though the loan was paid in full. 
I called them on XX/XX/XXXXXXXX  to make them aware they pulled the payment when they shouldn't have and I asked them to simply reverse the ACH payment since we were within the 5 day window. They refused and told me to call back 10 days later to issue a refund. 

I called back on XX/XX/XXXXXXXX  they then told me they would issue me a refund on my overpayment and it would take 7-10 days to process. They promised that I would have the check no later than XX/XX/XXXX. 

I never recieved the check in the mail like they promised, so I called them on XX/XX/XXXXXXXX  and I spoke with a supervisor that told me they didn't issue the refund, but they couldn't explain why they never processed it. 

This is my money that they are holding without my permission and they will not return it to me. I don't know what else to do at this point.

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 2023-04-10 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX and XXXX are reporting a medical debt on my credit report from Wakefield and Associates in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, XXXX or Wakefield and Associates would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: NC

Complaint narrative:
I requested a FORM 1099-C from Personify Financial. They ignored my request, pursuant to 15 USC 1681s-2 See letter labeled Exhibit A The Internal Revenue Service defines a CHARGED OFF debt as Gross Income or Ordinary Income. Income does not get reported on a consumer report.

Personify Financial are furnishers of information to a consumer reporting agency. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall NOT furnish any information relating to a consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

I requested a FORM 1099-C NOT a request to validate an alleged debt. See letter labeled Exhibit B which confirms the account was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Hi dir sir Im XXXX XXXX I dont know what this soing mee I think it not mee sum thighs wrong I dont know about this what this I dont know about ant cand off debt recovery genesis

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 have been trying to get my credit report fixed since XX/XX/22 because my identity has been stolen and I need this info removed immediately. This has been ongoing and after several attempts to get my information corrected it has not been fixed. 

XXXX. XXXX XXXX XXXX inquiries must be removed immediately this account was fraudulently opened under my name. 

XXXX. XXXX inquiries also needs removed XXXX. XXXX XXXX XXXX, XXXX, are also fraudulent XXXX. XXXX XXXX on TransUnion are not mine XXXX. Telephone numbers XXXX, XXXX are not mine

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently Experian, XXXX, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report. 
If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.

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