vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 
Collections Account Name : XXXX XXXX XXXX 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 right.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
My social security check comes to me through Comerica Bank ( direct express) and it seems like something was wrong with my account. Whenever I tried to use my debit card at stores, they would ask, did I have another card. I never use all my money and I wasnt able to pay my bills properly and my credit score was going down. Whenever I tried to go into my account or even changing password, I could not get in.  I called in XXXX  and said I wanted the supervisor because something was wrong. I also asked for statements because I it wouldnt let me in online. XXXX XXXX and XXXX were days I called. The XXXX, the woman looked at XXXX  and said it started then. The statements came for XXXX  to XXXX  and I was horrified. I called immediately and asked for account to be closed because someone was using my account. There were different names purchasing things with XXXX ( I dont use XXXX) at least 10 - 12 times a day, daily for months. A supervisor never called. I faxed a statement and emailed one. They refused me. I went to police and filed police report.  I faxed XXXX, and report on XXXX XXXX.
Called XXXX XXXX ( they said I gave permission to ppl to take my money)

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2022 ( a Sunday ) I received a call from Wells Fargo collection department demanding that I deposit to cover for an AHC transaction as my Overdraft Protection ended without my knowing about it. I elevated this is upper management only to have to wait for 3 weeks before a got any call back and the bank management stated that I never had Overdraft Protection on my account. I pointed that out on my bank statements to prove that I did have it and had it for the past 10 years. 
I have incurred an extra debit of {$350.00} due to Wells Fargo 's systematic error and have not received any statisfaction from their management to date. I am on XXXX XXXX and can not afford this debit.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint against Experian, due to the fact that when I went to XXXX to request my consumer report and they denied me access to the information they have stored on me. The message that I subsequently received was that I needed to contact them. I filed complaint # : XXXX, in which I requested that my consumer " XXXX ''. Keep in mind, I specified that I wanted my File, not that standard report they send to consumers all the time but my actual File. I think they intentionally did not upload the files in their response because they never intended on sending me what I clearly requested. Several weeks after I filed the complaint, received a basic consumer report via the postal service. On XX/XX/XXXX, I sent them a letter ( see attached ) explaining exactly what I wanted and the laws to support my request. As of date, I have not received a response. Therefore, I am submitting another complaint, seeking assistance in retrieving my XXXX from Experian. I want to see and know all the information that Experian has stored on me. I know there is statutorily a difference between a consumer report and the consumer 's File. And I am requesting my FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
XX/XX/2022 I sent a letter by CERTIFIED MAIL asking for validation for items that being reported on my credit report still. do to the fact I'm a victim of identity theft which they have the report on file. As of today XXXX XXXX I haven't heard from Experian regarding my Letter it's been over 8-weeks it my understanding fair credit reporting Act that should completed the Investigation with in 30-45 days from the receipt of my CERTIFIED LETTER. The 30-45 mark has now passed.

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 2023-01-31 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: LEXISNEXIS
State: AL

Complaint narrative:
I have disputed information contained within my credit reports to the 3 major credit bureaus and I have been made aware that LEXISNEXIS is one of the companies confirming that the information is verified accurate. 

LEXISNEXIS does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LEXISNEXIS not have my consent, they can not verify the information is accurate, which it is not. 

The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX XXXX  inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. 

Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX  does not contact consumer reporting and credit reporting agencies. '' Simply put, LEXISNEXIS LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! 
There are several examples of Adverse Actions being taken against me as a consumer because of LEXISNEXIS reporting of UNVERIFABLE information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
A loan was originated on XX/XX/2022 by XXXX XXXX XXXX XXXX ( Hereinafter XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. A week later I was contacted by Specialized Loan Servicing ( Hereinafter SLS ) and they ask for my consent to contact me an I DID NOT give consent for SLS to contact me. I delivered payment directly to XXXX XXXX. XXXX XXXX notified me they received payment and stated they wired the payments to SLS. SLS stated that I sent payment to the OLD LENDER. A Notice of Errors was sent to XXXX XXXX of SLS and received on XX/XX/2022, XX/XX/2022, and XX/XX/2022. SLS failed to properly respond. A request for the FULL ACCOUNTING was sent on XX/XX/2022, SLS and successors and assigns have failed to provide the FULL ACCOUNTING. On XX/XX/2022 SLS sent correspondence stating XXXX XXXX was the original creditor and that XXXX XXXX XXXX I Trust was now the current Creditor. I mailed payment to XXXX XXXX XXXX to the address SLS provided and it was returned to sender. I do not have a contract with SLS and they continue to harass me with phone calls and posted cards on my door. XXXX XXXX has mailed a XXXX XXXX form that didn't apply the payments that they received? Who is the actual XXXX and where did the payments go?

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is holding my funds after I paid my credit card. Yesterday I paid my credit card with my CAPITAL ONE checkings account and the money has been cleared and is gone out of my account and theyre still holding my money for EIGHT DAYS!!!! Thats outrageous since I used the same bank as the credit card to pay and the money has been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) Experian, XXXX, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Make sure any accounts that were discharged in the bankruptcy show a {$0.00} and are labeled as discharged or included in bankruptcy Payment History is no allowed!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last ss  XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Ph : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ph : XXXX Subject : Bankruptcy listing for Account No. : XXXX History listed wrong per Bankruptcy laws. Attached is a copy of my Bankruptcy filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX XXXX  XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper Bankruptcy Lawyer for data removal. 

Per your order ( According to https : XXXX  ) they are listing my payment history showing XXXX negative report and also showing the bankruptcy in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a Bankruptcy is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a bankruptcy and only list the Bankruptcy without past payment history but Experian credit reporting wants both. Experian first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have Experian remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with Bankruptcy court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, XXXX  XXXX Attached : Copy of Letter, Experian Report, Bankruptcy, & Reopen of Bankruptcy

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was solicited by the company XXXX XXXX on XXXX XXXXXXXX XXXX. I was sold a product that I was not able to use and the and attempted to cancel the contract the next day the company refused so I filed a complaint with Bank of America whom I have been banking with for 16 years. I explained the situation and told them I was within a 3 day timeframe to cancel the contract. This dispute was started over a month ago with no resolution and Bank of America telling me that its up to the merchant to refund my money when I purchased the items with my Visa card I was not refunded the {$4000.00} to my account as of todays date, Bank of America has also stated that they did not receive fax that I sent them so today I stayed on the phone until they could verify the fax had been received, so not only have I been ripped off by a IdealImage but my own bank is taking their sweet time to put my money back in my account. I want this resolved they told me it could take up to three months that is not acceptable for something that shouldve been canceled within a three day contract cancellation that is my legal right to utilize.

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 2023-01-31 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: Credit Karma, LLC
State: NY

Complaint narrative:
My account was charged for transactions that were refunded by the merchant. XXXX attempted to refund my account on the following days for the amounts posted below. My bank then sent these funds back to XXXX as a card purchases. I opened disputes with my bank and had XXXX confirm the errors and the bank closed the disputes without rewarding me the funds. 
XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX - XXXX sent back XX/XX/XXXX XX/XX/XXXX XXXX. 
For a total of {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, JPMCB CARD  XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Commonwealth Financial XXXX XXXX XXXX XXXX XXXX XXXX  Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX bankruptcy discharged # 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 2023-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX  miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. 

I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success. 
I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied loan modification on my property, forcing me to file for bankruptcy in 2019.

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