vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: VA

Complaint narrative:
I have an account on my credit report that is not mine I have never done business with this company. They have stole my information. My daughter opened an account with them and they are acting as if I own the account. She and I have had a joint account in the past and I feel they stole my information cause I had the best credit. They are reporting a late payment that has dropped my score XXXX points and I cant get them to do anything about it its not my account. I have never or will ever do business with them. Please 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Try to resolve with credit bureaus and no 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Try to resolve with credit bureaus and no results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In 2015 Wells Fargo did what they called a loan modification on my mortgage. They basically re-modified our mortgage and took any escrow that we had and started our loan amount to the original loan amount after 9 years of making payments on time and not missing any. They never truly explained what they did, and being a first time home owner we accepted what they did. Something about the whole thing just didnt seem right, but what can you do when you are in fear of losing your home? I believe that we have been taken advantage of due to the fact that we had no idea of whatever process they presented to us.

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I AM A XXXX OF THE XXXX OF VICTIMS OF WELLS FARGO FIASCO, HAVE BEEN SUBJECT TO ABUSES BY ITS LOAN PRESERVATION DEPARTMENT STAFF, WHO REPEATEDLY REFUSED MY HOME MODIFICATION APPLICATION FOR NO REASON, DESPITE MY GOOD STANDING IN MONTHLY PAYMENTS. I WANT TO BE ADDED TO THE LIST OF THE FOLLOWING SETTLEMENT VICTIMS : CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and XXXX XXXX XXXX repeatedly misapplied loan payments, wrongfully foreclosed on homes and illegally repossessed vehicles, incorrectly assessed fees and interest, charged surprise overdraft fees, along with other illegal activity affecting over XXXX XXXX consumer accounts

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 2022-12-21 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: Block, Inc.
State: NY

Complaint narrative:
I had an cashapp account wear I purchased shoes supposedly from a shoe company called XXXX but when I sent payment it went to someones personal account called XXXX XXXX  I actually thought it was XXXX XXXX the email and contact on file was all fake I contacted cashapp they refunded me ok cool I thought it was all over then cashapp took the funds back after I explained to me this is a scam theres no such company but they said theres nothing they can do now my cashapp account is in the negatives cashapp name was XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile

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 2022-12-21 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The paypal account can not be Linked to the bank and withdraw cash. I have called the customer service representative many times, but I have not been allowed to Linked to the bank and withdraw cash. It has brought huge troubles to my life. Please XXXX help me! thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022 i was fraudulently charged XXXX dollars and when i filed a claim they only credited half the amount i claimed and later closed my claim after telling me it was still open and were looking into it. The charge not credited was made on XX/XX/XXXX and charge went through on XX/XX/2022 from XXXX XXXX for {$100.00}

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 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account can not be linked to the bank and withdraw cash, and I have called the customer service representative many times to solve the problem. Please CFBP help me! thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2014 XXXX or more tried to resolve but no actions was given

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 2022-12-21 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:
XXXX XXXX  as reported on my credit file with both equifax and XXXX has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX card accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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:
XXXX XXXX as reported on my credit file with both XXXX and Experian has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX XXXX  accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX  has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.

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 2022-12-21 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: NC

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXXXXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX  The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-21 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: NY

Complaint narrative:
In good faith I respectful report an unforeseeable issue with Amex for my personal XXXX XXXX ending XXXX. 

Prior to the annual fee due date, XX/XX/2022, I advised Amex that I am NOT interested in paying the unreasonable membership fee for an account I do NOT use enough. I was clear I wanted to close the account, which I believed Amex honored as is my right to close and NOT be required to pay the annual fee. Only weeks after I find out that Amex did NOT close my account. AND charged me interest on the membership fee. Interest. Unacceptable. Then Amex claims even if I closed the account, I would be responsible for the annual fee. Claiming 30-day policy to close account. 

This is the problem. Amex was advised that I did NOT want to pay the annual fee, thus I do NOT want to keep the account. Close the account. Plain English. Close the account. Therefore, I want to close the account. Plain English. Instead, Amex played riddles, misleading me by misinformation that I was obligated to pay the annual fee even if I close the account. Now we are talking about a billion dollar, maybe trillions, international corporation. Playing games for XXXX Assuming me stupid. 

By coercion of obligation to pay fee and be charged further interest for unpaid membership fee, I involuntarily paid the XXXX Then Amex hit me with a XXXX  late fee. 

I reiterated my original request to close my account and a full refund of my membership. The representative played with words deceiving me to believe I would receive a full refund of my membership. Amex closed my account, THEN advised me NO refund. THEN credited me the XXXX  late fee. 

Simply stated, I deserve and want my XXXX membership refund in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Year XXXX or XXXX. I had a Wells Fargo savings and checking account. Was issued a ATM card that had overdraft protection with crazy penalty charges. After a while of dealing with these ridiculous overdraft charges. I decided to close my accounts. About a month later I was informed that my Social Security back payment checks were sent to my Wells Fargo account that has been closed for weeks now. I spoke with several employee 's at the Well Fargo branch in XXXX, Ca. A few days and alot of calls, I finally got ahold of the branch manager. I couldn't remember his or her name but I remember there were at least two different branch managers or two different people claiming to be in charge. They explained to me very abruptly that my checks were on hold and in no way that they were going to release them to me unless I allow them to deduct the money I owed on my closed account. 
I was stonewalled, I didn't want to be stuck out on the streets with no place to go. The day that my checks where discovered held by Wells Fargo was the day my landlord got feed up with my excuses on my long awaited social security back payment checks. The hold by Wells Fargo caused me alot of grief that year and caused me to be homeless.So when Wells Fargo offered me {$5000.00}. Instead of $ XXXX.I took it and spent most of it on hotel rooms, stolen property and lost personal items that can never be replaced.

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 2022-12-21 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:
There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with XXXX and transunion but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.

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 2022-12-21 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:
There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with equifax and XXXX but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: SC

Complaint narrative:
Whom It may Concern.

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.

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 2022-12-21 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: SC

Complaint narrative:
Whom It XXXX Concern. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The Following derogatory account allegations are either UNTRUE, XXXX, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.

Company response to consumer: Closed with explanation