vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Reviewing my credit reports as of XXXX XX/XX/XXXX, I noticed that an account named ChildSupport Enforcem / Account # XXXX is reporting on my reports as " C '' for collections. I've never been notified by any agency/bureau/entity informing me that a Child SupportEnforcem is in collections. Furthermore, The reports reflect that there is No Data " ND '' for XX/XX/XXXX, based on the Experian report. XXXX credit report as of XXXX XX/XX/XXXX reflects paid collections, while XXXX credit report as of XXXX XX/XX/XXXX, reflects multiple months of " ND '', and Paid Collection.

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check and extra funds were taken out not of my knowledge.

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 2023-05-07 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: PA

Complaint narrative:
On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Accounts : 1- To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX 2. To Transunion XXXX XXXX Credit Bureaus : Noted errors-Transunion date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX 3. To Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX 4. To Transunion Credit Bureau Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- 11 XXXX XXXX XXXX XXXX 5. To Transunion XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.

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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Sent adverse action letter, Customer Identification Program ( CIP ) printout, Federal Reserve Act Section 16, a Power of Attorney ( POA ) form giving power to the agent of the principal 's account and Instructions to the CFO of American Express Credit Card Division, instructing them to extend a line of credit to the principal 's account and to respond in writing giving reasons for non performance of fiduciary duties and breach of contract if instructions are not followed. I sent these documents by certified mail on XX/XX/2023. I allowed 5 days to respond and have received nothing as of the time of sending this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
loan paid early, no GAP refund received

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 2023-05-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a CD account closed. The bank states in its online information that closing the account takes 3 to 5 business days. The time allowed has since been exceeded but the bank can not help me get my money back. I have spent more than two hours on their chat customer problem resolution without getting a resolution to the problem. Calling their customer service phone line is an exercise in frustration. The last time I tried to get this resolved, I spent 40 minutes typing back and forth with a representative without achieving success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
General issues with debit 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 explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
greetings! 

i keep receiving a debt collection letter from ARS stating i owed {$960.00} during covid i went to the emergency room at XXXX XXXX in XXXX virginia and the bill was paid in full by the owner of the company i work for like in a week or 10 days after i was at the hospital i sent an email to XXXX asking why they put me in collection but all i got was an email stating case is closed went to buy a car a couple of weeks ago and the guy at the dealer told me about my credit report showing the collection issues which damaged the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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:
I am a victim of identity theft. A  XXXX XXXX XXXXXXXX XXXX  has been impersonating me. on XX/XX/2022 ( 6 ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXX XXXX is a dangerous individual, scammer, impersonator.

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 2023-05-07 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:
I am a victim of identity theft. A XXXX XXXX XXXXXXXX XXXX has been impersonating me. on XX/XX/2022 ( 6 ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXX XXXX is a dangerous individual, scammer, impersonator.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
The fees that wells Fargo charged were exuberant and not fair. They are the reason my debt was up to XXXX after the insane interest they applied to the 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 2023-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IN

Complaint narrative:
I signed on Federal Student loans for my son 's education that I have been paying off since XX/XX/2021 while the loans were still with XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). The loans were then transferred to EDfinancial, where I continued to make payments on them. Earlier this year EDFinancial stated that they were moving the loans again ( internally from the sounds of it ) ; however, they missed applying one of my payments ( {$1000.00} ) before they transferred the loans to their new account ( again still with EDFinancial apparently ). I have sent three e-mails to them using their own communication system on their own website and the have only responded to the first e-mail ( basically saying give it more time ). It has nearly been three months since that payment was made to my account and I am starting to lose faith that this company is applying payment correctly and accurately. The longer this goes without being corrected the bigger problem it is going to become. Someone should probably look into their practices and efforts if they can't simply apply payments correctly. I have sent more information to them today ; however, I am not certain that I will ever get a response or my problem corrected. I am also unsure if I should attempt to make more payments since they still have yet to APPLY the last payment that they debited from my account. This is quite ridiculous. I would appreciate it if someone from the CFPB can follow up on this issue and assure me that this matter will be corrected promptly. I believe I have been patient enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TX

Complaint narrative:
XXXX XXXX XXXX account # XXXX has violating my rights under the 15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, These Accounts have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-05-07 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: MD

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " Investigate every piece of the information '' on the account i have listed below. also i have attache the letter i sent out and here is the tracking # XXXX Account - XXXX XXXX XXXX XXXX # XXXX According to the FRCA the Term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did no do a proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % Accurate. and according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.

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 2023-05-07 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: MD

Complaint narrative:
I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX uses XXXX to manage student accounts. They reported me delinquent for many months in a row in error. XXXX said they cant retroactively change my report even though i provided them with a letter from the finance director at XXXX stating that the loan should have been in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-05-07 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
There is information that needs to be adjusted immediately. Please see the attachments for a detailed statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Would like to see about the overdraft fees that are being reimbursed

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 2023-05-07 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: OR

Complaint narrative:
My parents had a trust account with Wells Fargo, and after they passed away my sister and I were trustees on the account. All documentation was given to Wells Fargo and we were able to deposit and withdraw money with no problem. The account was eventually closed, and Wells Fargo sent me an interest check for XXXX dollars. I tried to cash the check at Wells Fargo and they denied it. The check was written in the trusts name. Wells Fargo stated that the check needed to be written in my name. I called the company and had the check re-issued but they still put it in the trust name. I have contacted numerous different officials and also have a customer service rep that will not return my calls. Therefore they have my money and they will not give it to me.

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 2023-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
i recently check my credit report and notice 2 accounts that are not mine and are a result of identity theft. both accounts are from LVNV FUNDING LLC and the original creditor is XXXX XXXX XXXX. I never had any account with either one of these companies and request that these accounts be deleted from my credit report ASAP. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX

Company response to consumer: Closed with explanation