vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: NC

Complaint narrative:
first payment attempt : XX/XX/2022 second payment attempt : XX/XX/2022 I made the first attempt paying my bill with the checking account ending in XXXX. I received an email stating that my payment had been returned. Reviewed payment history on the website and saw the first attempt payment was not pulled from my checking account ending in XXXX, however, from an old account that is closed ending in XXXX. I removed that old account using the the Synchrony app, so I am unclear how the payment went to be processed using that account instead of XXXX. I called customer service, and representative advised me that there were no record of me removing old account ending in XXXX, and that I should review the website instead of app to verify my banking information. I have done that as of now, and the account is reflecting XXXX banks which is correct and I do not see the account ending in XXXX. So again, I am unclear on how the payment was processed using that account. I want this issue noted on my account. This is a big red flag, and if it happens again, my account is in danger and could be closed due to this. This is Synchrony banks errors, not mine. Please adjust my account profile if the old account ending in XXXX is reflecting, it should be removed ASAP.

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 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
In XXXX I recieved a auto tie loan for {$2500.00} from loan mart XXXX Wheels Financial LLC on XXXX XXXX XXXX CA. Corporate office is in XXXX XXXX CA. I had paid in full and they also Repossessed my vehicle. I then took them to court to sue them for excessive damages XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX case XXXX, XXXX vs. XXXX XXXX XXXX for Wheels Financial Group LLC.The judge made a final discovery and closed this collections stating that each parties do Not owe the others and that my account was paid in full. Since this date Wheels Financial has violated a court order and has continued to ruin my credit to this day. They were supposed to have closed my file as a debt has been ordered to been paid in full. They are now committing fraud and extortion and will not remove the the accumulated amount of {$16000.00} on my credit report and will not fix the credit problem they have caused on my credit score and remove and stop the negative unowed balance causing severe damage to my credit report and will not lift the repo claim from my vehicle they stole with a faulty title lien following the paid in full status. This has occurred more than seven years. I have contacted the credit agencies and they will not remove it either. I contacted Wheels Financial and they refuse to remove and fix the damage done. My bank statements prove the title loan was paid off. Payments were maid through XXXX account I had In the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-03-30 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: NC

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-30 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:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a XXXX IRA check from my employer ( {$170.00} ) so that I can place it into a XXXX IRA account at a broker. I went ahead to choose Fifth Third for that. I went to the Branch in XXXX XXXX, FL and let the know that I want to open a XXXX IRA account to deposit the check. I had the IRA Contributions form my employer gave me and the check. It took nearly 2 hours to do since the bankers didn't know how to do it. When they did it, I asked for the XXXX IRA account number so I can give it to my employer as requested. The following year in XXXX, I was given another XXXX IRA check ( {$550.00} ). I moved to XXXX, so I chose to deposit it there. They also didn't know how to do it and it took 2 hours again. The banker said they have to close it and reopen it with the total amount because the previous bank " set it up wrong ''. I became suspicious if it was even working. And wondered more about it. This third time ( XX/XX/XXXX ), I am back at the XXXX XXXX XXXX and to deposit my third check ( still in my possession ). But this time I asked if I really am in a XXXX IRA. They would not answer the question. They tell me I can not deposit because it's not allowed to deposit into a CD. I said it's not supposed to be a CD. And the banker gave me an attitude. He said IRA can be a CD or XXXX XXXX. I got upset. I don't know much about IRA till recently after counsel. But I called Fifth Third Broker number and they said I do not have an IRA account. Two years of retirement savings opportunity down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo issued a check in the amount of XXXX issued in my name and my fathers name this check was deposited into a XXXX XXXX XXXX XXXX account that was of no association to me and my name was forged on the check. I have been in constant contact with both banks and XXXX XXXX XXXX XXXX was willing to resolve this situation Once Wells Fargo supplied them with a affidavit of fraud and I have asked and requested this information for more than a year with several responses from the fraud didnt happen on Wells Fargo end to ask the other party on the check for the funds state employees has admitted to the forgery of my name and the depositing into an account of no association. But Wells Fargo refuses to assist me. I have filed police reports and several complaints with no help

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 2022-03-30 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: MS

Complaint narrative:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a criminal record recently showing up in my report. The record was expunged in XXXX. I talked to people at Experian when it first started showing up, in late XXXX ; they told me to fax them the expungement order. I did that twice, most recently XX/XX/XXXX ; yet the record continues to show up in my 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 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XX/XX/XXXX, Wells Fargo failed to provide honest service to the United States Currency free-item ( XXXX ) Promissory Note Goods, i traded with their Agents due to " proprietary '' reasons. 

1 ) foreclosure matters SETTELED & DISCONTINUED XXXX ; 2 ) United States of America Department of State Authentication XXXX XX/XX/XXXX ; 3 ) Unconstitutional ( Evection ) XX/XX/XXXX FORCED REMOVALE ; see attached : 3 ) Identity Theft Affidavit OMB form 14039 XXXX XX/XX/XXXX ; 4 ) Internal Revenue Service verified identity theft claim letter XXXX XXXX XX/XX/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 2022-03-30 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: MS

Complaint narrative:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

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 2022-03-30 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: MS

Complaint narrative:
Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NV

Complaint narrative:
Transunion maintains two profiles of my credit report and is unwilling of combining them. This creates a lower score of about 100 score points versus the other credit reporting agencies.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I would like to file a complaint against my mortgage company : Nationstar ( Mr. Cooper ) XXXX. # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX. # XXXX. 
My former mortgage company, XXXX XXXX transferred my loan as of XXXX. of XX/XX/XXXX to Mr. Cooper. My last payment of {$840.00} ( principal {$350.00} & interest of {$490.00} ) was made on XX/XX/XXXX to XXXX XXXX. On XX/XX/XXXX I made my first payment of same amount to Mr. Cooper for the month of XX/XX/XXXX. My next payment for the same amount was made on XX/XX/XXXX for the month of XX/XX/XXXX. All of these transaction was made through my XXXX XXXX XXXX, I have the monthly bank statements. 
At the end of XXXX we decided to payoff the mortgage, a wire transfer was made on XX/XX/XXXX to Mr. Cooper for the amount of {$190000.00}. I noticed that they have added a full month of interest to the payoff amount. I questioned this added interest and I was told that their accounting people will sort through and I will be reimbursed. 
The only reimbursed amount I received is {$110.00}, I think they owe me the balance of {$370.00}. I have paid fully ( P & I ) for the months of XXXX and XX/XX/XXXX. 
I have contacted Mr. Cooper 's office with no result. 
I greatly appreciate your help in this matter. 
The Loan # is XXXX My address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX My Tel. # XXXX My email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Complaint is against XXXX XXXX going into my account and taking more that what I authorized them to take. I call them an address them will not give my money back said go to your bank. Very Rude and Unprofessional took my money when I am not working and had other bills coming out of my ACCOUNT

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 2022-03-30 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-30 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: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Financial  Corporation
State: LA

Complaint narrative:
Franklin Financial XXXX has reported an account to my credit this morning, I was notified and called them. They have my current address and phone number but I have not gotten any bills from them. I asked them to provide me with proof they have sent me something and he had nothing to send. I spoke to XXXX XXXX at XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
If this company is not on your list, they should be. They have numerous complainants. 

We are unable to send your complaint to the company for a response. 
We reviewed your complaint and werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with non-monetary relief