vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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: NY

Complaint narrative:
The credit Bureaus never did a proper " investigation '' according to FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, ge

neral reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. they did not do such thing. Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
In XXXX of XXXX, I opened an Apple card through Goldman Sachs to purchase apple products and receive O % interest. 
I made payments on XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$50.00} ). I was charged interest {$5.00} on XXXX. 
I then made payments on XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). I was charged interest {$4.00} on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX ( {$50.00} ). 
On XX/XX/XXXX I called Apple to dispute the interest charged. The representative performed a balance adjustment of {$4.00} and {$5.00}. Then she did a balance adjustment of {$640.00}. 
I called Apple ( Goldman Sachs ) the next month and then discovered the representative set up an installment loan which does not show on my credit report. I paid off the remaining credit card balance of {$330.00} on XX/XX/XXXX, and now I have a credit of {$230.00} on the card. The representatives have been telling me that they can not payoff this balance immediately but that the credit of {$230.00} will be used to pay off the installment loan and that the payments will come out monthly. It would take about 4 months to pay off. As of XX/XX/XXXX, no payments have come out from this balance. I have requested to have the entire loan paid off and closed, but they are not allowing me to do that. They have stated they can not close out the loan. I want to be able to close the loan immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 2022-04-25 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: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank. I was co-signed on a car loan for a vehicle that was totaled and covered by gap insurance. 
XXXX XXXX of the individual covered paid out in two installments. The first was {$37000.00} and the second was {$820000.00}. The total payout on the claim was {$45000.00}. The second payout of {$820000.00} was released XXXX. 
PNC Bank has reported me for a delinquent balance on a vehicle that was totaled and full covered by insurance including gap insurance which has been paid out to them. 

During the course of the loan, we had continued problems with PNC Bank sending out letters for notice of a late payment stating the payment due date was 10 days prior to the actual due date online. They would also send out late payment notices via mail regarding payments that had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 XXXX # XXXX, has 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/22 FRAUD : Attempted to book flight using airmiles on American Express Blue Card. Received message : Ineligible to use points. I attempted x3 to use miles online. An " Upgrade Now '' button was available. As a consumer, THE ERROR MESSAGE COMBINED WITH THE UPGRADE BUTTON CAUSED ME TO BELIEVE THAT I MUST UPGRADE TO AN ANNUAL FEE BASED ACCOUNT IN ORDER TO USE MY AIRMILES. 
The " upgrade '' I received was not an upgrade, but an entirely new gold card, giving me 2 accounts with American Express.

In the past 90 minutes I've spoken to 4 separate customer service reps & another 2 online chat. Finally, I was informed that I can use my blue card miles to book a flight, and now I'm waiting 35 minutes ( allegedly ) for a call back from XXXX in order to use my airmiles. I have XXXX miles or I wouldn't bother. Most customer service is sourced from XXXX now, and although the people are kind, they are relying on scripts to deal with cultural issues, and from my experience this is not working for the USA customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC
State: MO

Complaint narrative:
I saw on my XXXX credit report that I owed a debt to XXXX XXXX XXXX. I never took out a loan with Riverbend cash in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
We had parent loans and went through periods where we were unable to make payments - job loss, XXXX due to 2 mortgages with the housing Crisis, unemployment in XXXX we were put in forbearance with accumulating interest. I have also worked 7 total years in not for profit hospitals. When I was laid off in 2014, at the age of XXXX, I was unable to get a FT job in a nonprofit. So those years get me no credit. At XXXX now, I cant get a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX XXXXXXXX XXXX XXXX Enhanced XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX, has 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 2022-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I got a loan using personal property as calateral I paid the loan off early after being late 2 months I believe it was XXXX or XX/XX/2017 but they claim I still owe them and didnt pay it off I just found out this info a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is violating my consumer rights. TransUnion continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Transunion buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. TransUnion 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' TransUnion continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.

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 2022-04-25 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: AZ

Complaint narrative:
In XX/XX/XXXX i made claim out to Wells Fargo that my online and debit cards were compromised as there was muitiple transactions and withdrawals out my account that were not authorized along side of me not being able to log into my account and they have refereed the problem to claims department where they didnt even review it then denied my claim never sent a letter of why they did or wether a investigation took place then they referred the problem to the high dollar fraud team in which they dont have a phone number to and no one from the company has been able to access the so known high dollar fraud team as weeks go by I continue calling claims center where they say they dont have acess to my claim as its being handled by high dollar fraud then months later I get a phone call from the branch I made a complaint to and they said oh its out of the time line we cant do anything to get your money back so I am out about XXXX and the account was in the negative since they didnt want solve the problem and kept charging me. This is legal theft by a broken financial system that hires third party companies to take care of their call centers and loop people back and forth to give up on getting their money back while god knows where all the money goes

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 2022-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I checked my account first thing in the morning as I was waiting on two seperate deposits to hit my account. When I checked the account I seen the deposits had posted. A few hours later I went to withdrawl funds and noticed the amount was off I pulled what I could and contacted the bank. I spoke with one representative who claimed the deposits never even happened even though I insisted I was currently looking at the account and seen them then withdrew some of the funds so I know the deposits had posted. He then told me that he couldn't hear me to help despite this not being an issue prior. He told me that there was nothing he can do as the deposits weren't there and got increasingly more rude as I advised the deposits went through so I asked for a supervisor. The supervisor repeated that the deposits never happened then magically advised she sees them and that the funds were not available because I spent the money prior to it hitting my account. I advised her that couldn't be the case as if that happened I would not have been able to withdrawal any money that morning. She then changed her account of my transactions but was still providing inaccurate information and advised me she was just reading the transactions on my account I advised her she was skipping transactions which was my issue how am I supposed to believe what she is saying if I know for a fact the information she is providing is inaccurate she then got rude and advised I should go to a branch then if I don't like the information that she is providing. I let her know I would like to file a complaint and she still didn't offer further assistance but instead continued to ask me if I would like to go to a branch to talk with them and when I again told her I'd like to file a complaint she then kept repeating that she couldn't hear me. It was extremely frustrating to try to get answers and be talked down to and have people I trust with my money unable to answer questions about transactions.

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 2022-04-25 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: NY

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 



XXXX XXXX Account 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I reported fraud charges to Bank of America and initially the funds were credited back to my account but then they reversed the charges and left my account in the negative. They also closed my account without discussing it with me. I have explained to Bank of America what happened with my debit cards being stolen and someone charging thingsw to my account without my consent. They advertise ZERO fraud liability but they definitely made me liable for these charges. I no longer have access to the account and can not access direct deposits being sent to the account. I can't stop the direct deposit because it's coming from the IRS. I would like the fraud claims to be handled, the negative balance to be removed and money placed back in my account, and I would like to be able to access the account to receive my direct deposit.

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 2022-04-25 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: The CMI Group, Inc.
State: IL

Complaint narrative:
Credit Management Lp has a collection reported to the 3 Credit reporting companies that is part of a fraud investigation. The account number for Credit Management Lp is XXXX. I would like this to be removed from all Credit Reporting Bureaus as it is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
I was notified of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX credit card was opened in my name and SS #. I immediately called XXXX in which they were aware of this fraud opened in my name. I placed a dispute with Experian and they notified me that the information obtained was correct. I have never opened an account with this Company and asked for this to be removed on top of the inquiry from my credit profile in which they refused to do so.

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 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXX settle agreement with Westlake Financial services on XX/XX/2022 at XXXX we agree on XXXX XXXX dollars to close out my account and I don't own anything else and they told me they will remove this account OFF All 3 of my credit report And email me a pay to delete LETTER, and I haven't received any response are 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 2022-04-25 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, XXXX XXXX, Account number XXXX XXXX Account XXXX XXXX XXXX Account number XXXX has 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

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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XX/XX/XXXX ONE OF MY CUSTOMR GAVE ME A CHECK IN THE AMOUNT OF {$26000.00} I DID DEPOSIT THE CHECK AND WAITED TILL XX/XX/XXXX TO MAKE SURE THAT THE CHECK CLEARED, THEN ON XX/XX/XXXX BEFOR I DID GIVE THE GOODS TO THE CUSTOMER I DID CALL THE BANK TO MAKE SURE THAT THE CHECK CLEARED AND THEY ASSURE TO ME THAT THE CHECK 100 % CLEARED SO I GAVE THE CUSTOMER THE GOODS, BUT SURE ENOUGH I WAS LOOKING AT MY ACCOUNT AND I SAW THAT THE BANJ WITHDRAW THE TOTAL AMOUNT OF THE CHECK FROM MY ACCOUNT AND WHEN I CALLED THE BANK TO FIND OUT WHAT HAPPENED THEY TOLD ME THAT THE CUSTOMER PUT A STOP PAYMENT ON THE CHECK, BUT WHO CAN THE CUSTOMER STP PAYMENT ON THE CHECK AFTER XXXX BUSINESS DAYS AND I MADE SURE TO CALL THE BANK AND VERIFY THAT THE CHECK CLEARED, AND MY BANK CLAIMED THEY DIDNT KNOW ABOIUT IT, AND I WENT TO THE BRANCH 3 TIMES TRY TO FIND OUT BUT KEEP GETTING THE SAME ANSWER, THEN I TRY TO CALL THE CUSTOMER BUT HES NO WARE TO BE FOUND

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Transunion XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction

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