vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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 — Was not notified of investigation status or results
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX BANK OF THE WEST CHECKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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

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 2022-04-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Sent lawful tender of payment to this company since XX/XX/XXXX and they have denied it multiple times along with the 1099A that they have denied they received. Due to multiple violations of the TILA now I have rescinded the contract on XX/XX/XXXX they have now unlawfully repoed the vehicle on XXXX.Pursuant to 12 USC 1431 banks can not loan you money. I have attached my payment remittance coupon that was received by Westlake XX/XX/XXXX, please see " act of XX/XX/XXXX '' my tender of payment is lawful.

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 2022-04-06 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: Nelnet, Inc.
State: VA

Complaint narrative:
The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final aid administrator fraudulently taken Ioans out using my personal information.

I'm requesting all student loan debt be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NV

Complaint narrative:
I WAS CONTACTED BY A LETTER/BILL STATEMENT OF COLLECTION FROM ALLIED INTERSTATE, LLC. SAYING THAT I OWE A DEBT FROM XXXX XXXX  FOR MY COMPANY : XXXX XXXX. THE DEBT IS SHOWING {$740.00} AND I/WE ( ME AND MY WIFE ) HAVE NEVER HAD ANY DEBTS/LOANS/CREDIT WITH XXXX XXXX. I HAVE NEVER HEARD OF XXXX XXXX, EVER BEFORE. 

YESTERDAY, I " CERTIFIED/RETURN RECEIPT '' MAILED THEM THE BELOW : MY COMPANY : XXXX XXXX HAS NEVER EVER HAD AN ACCOUNT WITH ANY OF THESE COMPANIES : I WILL BE SENDING ALL INFORMATION ABOUT THESE COMPANIES TO THE FTC AND THE CONSUMERS FINANCIAL PROTECTION AGENCY ! ( The Bureau of Consumer Protection ) : AND FILING COMPLAINTS! 
IT IS CRIMINAL TO HAVE DARK WEB COMPANIES JUST KEEP SELLING OUR DATA AND INFORMATION ACROSS THE WEB AND SYSTEMS, JUST TO SCAM PEOPLE OUT OF MONEY. JUST CRAZY AND WRONG!!! 
PUTTING CREDIT ALERTS AND RESTRICTIVE THINGS ON OUR CREDIT FILES, SEEMS TO NEVER STOP CRIMINALS, FROM THIS 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 2022-04-06 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: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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

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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I'm an XXXX. I use the Western Union website to transfer money to a friend in XXXX who has very little income. I have done this for a couple of years, usually XXXX or XXXX transfers/month. 

Until XXXX of this year, the money was available for pickup the same day I made the transaction. Western Union has NEVER had a problem making a withdrawal from my checking account. 

In XXXX I was surprised the money was taken from my checking account by Western Union, but there would still be a XXXX day delay until it was available for pickup. I made a complaint to Western Union via their website on XX/XX/XXXX, got an email acknowledgement ( We have captured your inquiry under case number XXXX ). 

I emailed them again on XX/XX/XXXX asking for a response. Nothing. 

I believe it is very unfair for them to take the money, use it, and delay the pickup. 

-- -- Recent transactions, XXXX delay pickup delay, money taken next day. 

Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX -- -- Earlier transfers, money available same day for pickup Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX 10

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: VA

Complaint narrative:
The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final

aid administrator fraudulently taken Ioans out using my personal information. I'm requesting all student loan debt be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This all started on the XXXX XXXX, 2022 I was on my way home from college abour an XXXX XXXX and went to go pick up food once i left i got a call saying that i have been using my card for suspicious activity and i told that that no that was not me so they said they were going to deny the transaction and i believed keep in mind i was driving so i couldn't look at my phone about the account so they said they were going to give me a new card and everything and so i believe the problem was resolved. On XXXX XXXX, 2022 i looked at my account and realize that about XXXX dollars were tele transfered into my savings account and XXXX dollars were used in transactions for an XXXX XXXX, XXXX XXXX and other stores and the person was using digital wallet for XXXX pay but i never put my card into XXXX  pay nor paid from my phone while also receiving an email saying about fraud suspicion so i called the wells fargo bank saying to them i want to dispute the transaction because i had my card the whole time and i was not in those locations and so they file the transactions and so i turned off my card and changed my username and password because i was not sure if the person went into my account. 10 days passed i got the claim saying that i did those transactions and so i filed a complaint saying that was not me i had my card the whole time and i even talked to the supervisor and the XXXX team and told me to wait more days and so i waited and they still aaid i did the transactions and so i decided to check on why they keeped denying it. A month passed and they still said they cant do anything so i check to see if they got the information right and turns out they did not get XXXX other transactions i told them about so i sent the claim again and 10 days later they said it was still me and keep in mind that card i got rid of the day they sent me the card that was on XXXX XXXX as of right now they have not looked at it and sent me the reports of why they denied my claim and i sent them XXXX claims and XXXX complaints now and still nothing.

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My debit card was used somehow to withdraw over {$9800.00} from my Checking account at SunTrust now truist at the end of XXXX in XXXX  I was leaving for XXXX boot camp on XX/XX/XXXX of XXXX  I called SunTrust after I realized my account was negative {XXXX} I was assured that I would not be held liable and I would be reimbursed my funds while I was away at boot camp. While I was at boot camp I could not have any communication with the bank and I made them aware of that before I left. They sent me a rebuttal form to my address while I was away but I obviously could not get that paperwork back to them due to me being in boot camp. When I got out of boot camp I realized I was still negative XXXX in my account so when I got back to where I live XXXX Florida I went to by local branch a d explained what was happening to a personal banker we called the fraud team and they resent the forms for me to fill out which me and the banker did together and we faxed it in that day the fraud process takes 45 days to complete and on the XXXX day of waiting I was declined my funds because of the fact that I didn't submit my rebuttal forms the first time. I called the banker and scheduled an appointment and we contacted the fraud team again and explained as we had many times that I was in boot camp for the XXXX XXXX and could not have gotten those forms back to them the first time they were sent they then said I could have one more chance to resubmit my forms but it would take another 46 days and they would need proof of my military documents so we faxed all of that information to them that day military documents and a new rebuttal form another 45 days later and I was declined again for no reason. I asked them why I was declined and they did not give me a reason I've given everything they've asked for and they refuse to give me my money back and now on top of it since the account was negative XXXX they've sent it to collections and are now trying to collect that money from me. 

I told the fraud team that they have cameras on the ATM why can't they look at it and tell that it's not me making the transactions and they told me verbatim the cameras on all of the ATMs are fake and just for show which I know is obviously a lie. 

DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX ______________________ DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX I have 2 separate dispute cases open 1 in the amount of XXXX the other in the amount of XXXX 1st dispute case # XXXX 2nd dispute case # 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 2022-04-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to a Capital One branch in person on XX/XX/2022. I obtained assistance from a Capital One bank representative to deposit a check into my recently opened Capital One account. The Capital One representative informed part of the funds would be available ( {XXXX} ) until the rest of the check cleared. Capital One sent me an email informing me XXXX would be available ( please see attached ). When I tried to make a transaction, none of the funds were available ( please see attached ). When I called Capital One bank, a representative named XXXX informed me none of the funds were available and added that it was suspicious that a new account would have the amount of money I deposited into it. Capital One representative XXXX asked me how I obtained the money. I asked Capital One representative XXXX if it was procedure for Capital One representatives to ask customers how they obtained funds for checks made out to them to deposit in their own bank accounts. The check was from my designated attorney. Capital One representative XXXX responded that my deposit on a new account was unusual activity and put me on long hold to contact my attorney after business hours. I asked to speak to a manager and reached Capital One Manager XXXX who informed me that it was a " federal systemic procedure '' or " federal regulation '' to put a hold on checks for up to 7 business days. Capital One Manager XXXX informed me that a restriction was placed on my long awaited debit card. I also received an email from Capital One representative XXXX informing me of the restriction soon after my check was confirmed successfully deposited ( please see attached ). As a result, I do not have access to any funds, nor have any funds in my possession. I am considering closing my account with Capital One from this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-04-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-04-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am constantly called by a company called Midland Credit from many different phone numbers every day, despite not owing any debt. I can not block them because every time I block one number, they call me from a different number. They call me during all times of the day, often early in the morning and late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate reporting has caused stress an XXXX  the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.

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