vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I paid my credit balance in full to American Express on XX/XX/XXXX. So at this point the balance is reduced to XXXX. Then on XX/XX/XXXX American Express charges me interest on my balance, but the balance is already XXXX. They charged me interest based on the assumption that I did not pay my balance in full. However the reality is I paid my balance in full two days ago. I tried to explain this to American Express on XX/XX/XXXX but they would not issue a credit for the interest charges. I would like to file a complaint to American Express to get my XXXX interest charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: OH

Complaint narrative:
Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged fees and things wouldnt add up when I was banking with Wells Fargo so we decided to leave Wells Fargo bank. I even had a credit card with them at the time and charges were not making sense on their either.

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 2023-02-06 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: Cascade CISS Holdings, LLC
State: MI

Complaint narrative:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-06 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: FL

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 XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX  # XXXX name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-06 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I signed up for a credit card with Citizens Bank that offered a sign up bonus. The signup bonus stated if you spent {$500.00} within a certain time frame ( I believe this was a XXXX  day time frame ) they would offer a {$150.00} cash reward bonus. The bonus would be deposited to the rewards were you could redeem for statement credit of receive back as cash. I spent more than the required amount ( {$500.00} ) and did not receive the cash rewards bonus. When I called to inquire, I was told by Citizens that I was under a 'different " rewards sign up bonus. I was enrolled at 3 % cash back rewards NOT the promotional spend {$500.00} get {$150.00}. I did not sign up for the 3 % bonus, as I signed up through their website through the proper offer. My current statement ( or any of the statements for that matter ) mention NOTHING about having a promotional 3 % cash back, This is an error on their side, that they are failing to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AK

Complaint narrative:
On XX/XX/2023. I was made aware of a negative credit to my credit of approximately XXXX dollars. From XXXX XXXX XXXX. 
I got no written notice nor did I give permission for any debt I owe to be released to debt collectors nor was I informed of my rights to protest the accuracy of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXXXXXX XXXX # of account XXXX date opened XX/XX/XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to XXXX XXXX XXXX. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX. 
Acct # : XXXX XXXX XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither Experian nor XXXX want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.

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 2023-02-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
The company is GoodLeap, formally Loan Pal. This has been ongoing since XXXX XXXX XXXX and I did see that several people have complained about this company under both names. I contacted the company and initially filled a complaint with the XXXX. I have attached to files. The first is interest accruals that I got from XXXX as a part of my initial complaint. However, I never got an answer to why did my daily interest go up when my principal balance go down ( excluding the one time that I stopped my auto pay, which increased my interest rate ). The second contains several monthly statements. My interest and principle are going down then in XX/XX/XXXX I get charged {$70.00} in interest, which is what I was charged in XX/XX/XXXX when my principal balance was $ XXXX and XX/XX/XXXX it is $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had a mortgage, credit cards, and bank accounts with Wells Fargo and a lot of the activity on each of the accounts werent adding up. The mortgage was under my and my husbands name XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Called the company serval times to let them know I was payed of if work and to use the program I was in to defer payments and no late fees be added. They lowered my payment and still put late fees on account. Santander Consumer Usa was sued for this in the past. I paid this account off and they still report late payments. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under 04s.1 open end consumer credit plan as late for any purpose.

455

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: IN

Complaint narrative:
I have a filed a complaint against The Equifax and XXXX previously but since my complaint they have let the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the same loan again as a new loan and its dropped my score XXXX XXXX XXXX  Theyve removed the old account showing that they've previously reported the same loan under a different account number. They just reported it as new a month ago and closed that and reported it again. I have been fixing my credit and my score was up in the high XXXX 's its now XXXX on Equifax. Someone has to be able to stop them from letting the XXXX XXXX XXXX XXXX from doing this. The information they're reporting is a lie. The loan is XXXX XXXX XXXX. Its not a new loan. This is wrong. Someone need to stop the XXXX XXXX XXXX XXXX from doing this. Or Equifax and XXXX needs to stop letting them do this. Enough is enough

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent cash advances ( XXXX ) -on our Wells ( WFB ) credit card-datesXXXX & XXXX. I was out of state ( CA ) w/limited computer access XXXX to XXXX-in CA on XXXX, but no cptr. access that day. Neither me nor my husband generated the fcas. I =never make cash advances on our credit card=. We're living on a fixed income & I'm paying down, not increasing, all our credit card debt. My understanding fr WFB-2 separate fcas ( {$6000.00} and {$2300.00}, {$8300.00} in total ) were made online. S'one hacked my online acct- {$8300.00} was transferred ( not by me or my husband ) to our WFB checking acct. My husband =never banks online=. =He doesn't know my WFB user id or pass-word=. I contacted WFB 's fraud folks by phone re this Sat. XXXXthis was after I was at an WFB ATM getting cash-I saw a large balance in our primary checking acct-per WFB 's records our balance was + $ XXXXthis was due to 1 of the XXXX XXXX & transfers.Meanwhile, the balance on our credit card was + {$8300.00}. I was out of CA 1st on vacation, and, then, a week later out of CA ( in MD ) for my uncle 's funeral. This couldn't have happened at a worse time. I : reported this reported this to : the itc3.gov site ( FBI ), WFB 's management, board & phishing folks, XXXX XXXX XXXX XXXX 's office, XXXX, CA Police. & CA state AG 's office.

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 2023-02-06 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: OH

Complaint narrative:
Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, OH XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!

Company response to consumer: Closed with explanation