vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is filed against XXXX, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all XXXX are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as XXXX. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. XXXX reports last payment date as XXXX. XXXX. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. XXXX. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. XXXX report shows XXXX 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX  payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of 22 account was 90 days late. Both differ. 10. Both XXXX  and XXXX reports are missing date account was closed. 11. Both XXXX  and XXXX reports are missing Date last verified also.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect information, non verifiable information, and incomplete information on a account all 3 are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. Equifax reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. Equifax reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and Equifax report payment amounts as 0. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. Equifax reports last payment date as XXXX. XXXX. Equifax report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. 5. Equifax reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. XXXX. XXXX report shows XXXX 90 days late. XXXX report shows XXXX 90 days late. Equifax report shows XXXX 90 days late. All differ and can't be correct. XXXX. XXXX payment history calendar shows in XXXX of XXXX that account was XXXX Equifax reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. Equifax reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. Equifax report says in XXXX Of XXXX account was 90 days late. Both differ. 10. Both XXXX and Equifax reports are missing date account was closed. 11. Both XXXX and Equifax reports are missing Date last verified also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Order XXXX frozen authorization scam. On XX/XX/23 XXXX placed a {$48.00} authorization hold on my Walmart Capital One credit card, with final charge at {$44.00} for grocery delivery. Instead of using charge to replace authorization as promised, Walmart double dipped essentially freezing {$92.00} for a {$45.00} purchase!!!!!!!!!!!! Capital One & Walmart robbed me & sent me to each other. Both companies extended purchase date to XX/XX/23 in a fraudulent attempt to make correction go beyond statement closing date of XX/XX/23 to falsely generate over the limit fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Someone stoled my identity and used my name for years and this account is not mines with comenity company.there is fraud on this account and i had a bad divorce who may be there accounts take off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-06-17 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: MD

Complaint narrative:
So I bought a design from a website called XXXX for XXXX dollars. I currently run an online clothing brand where I promote my clothes to customers that want to buy them. After purchasing the design, I attempted to promote it on social media but was met with a copy right claim saying that I couldnt use the design as I didnt own it. The problem is when you buy a design you OWN IT. Ive tried to contact the merchant from who I bought the design from but he wont get back to me. At this point I dont want the design anymore as I simply cant use it. I have tried to contact my bank Wells Fargo but there nothing they can do.

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 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I previously had opened US Bank account with US bank branch in XXXX XXXX, CA sometime in early XXXX. My checking account with US BANK was under investigation sometime in XXXX of XXXX. My checking account was then closed approximately one of the first days of XX/XX/XXXX. It had a positive balance of {$2500.00}. I am still waiting on getting those funds returned to me as of today, XX/XX/XXXX. Frequent communication with the US bank branch at XXXX XXXX ( on XXXX XXXX XXXX, XXXX XXXX, XXXX ) over the past 11 months has gotten nothing more then telling me to wait. The branch manager has even told me that the back office, which is supposedly where my funds are still being held is telling her not to release my money to me yet she is trying, at risk of losing her job, to try and get me my funds back. It is such a lie and is such an insulting thing to say. I feel like they are playing with me and my money. I don't know if she finds this whole situation amusing but to me it is everything but and her lack of professionalism is very disappointing, to say the least. All she keeps telling me is that she will get in touch with me once she has a check for me. Yet she has been saying the same old song for almost a year now. I am sick and tired of being jerked around. XXXX is enough. I want my funds returned to me, in full, no later then by the end of next week. Thank you for taking my complaint.

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 2023-06-17 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: FL

Complaint narrative:
Ive reached out to the agencies multiple times because my identity was stolen and Im tired of these agencies causing a defamation of character because of the information thats being falsely reported. I asked them to cease and desist from reporting the inaccuracies to no avail. Im trying to get the issue resolved before I file a lawsuit against all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. 

I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. 

On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. 
In the meantime, I have no cash left in my checking and brokerage account. 

Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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:
I am a victim of identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.

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 2023-06-17 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-17 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: FL

Complaint narrative:
The incident happen XXXX, 2022. I can't remember the exact date when this happened. My emailed was hacked as well as my phone, and lost my wallet as well. Someone deposited a check into my checking account some where in XXXX Florida at a Wells Fargo bank without my permission. I was unable to get into my wells Fargo app due to password was changed on a lot of my accounts as well as my XXXX XXXX was hacked too. I found out that XXXX was deposited into my account and that the check that was deposited was returned for non sufficient funds leaving my account in a negative. I reported my card lost to Wells Fargo, but didn't know what was going on in my account at the time of reporting it lost due to I couldn't see what was going on with my account. Went to the bank on a Tuesday to find out that it was in a negative and told them that I didn't authorize to deposit any checks and I was no where near XXXX for that weekend. When I was in XXXX working the whole time. They closed my account and stated to do an investigation on my account. They sent me a check for XXXX cents when I know I had more money then that. Never heard nothing back from wells since now. They have been calling stating that I owe XXXX due to overdrawn account. I have told them that how am I liable for something I didn't do.

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 2023-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
My mortgage company ( Amerisave Mortgage Corp ) keeps on raising my escrow ( three times in the last year ). They say its because my insurance was raised and also they recently decided to start requiring me to have a reserve fund. While I strongly disagree with the reserve, I get that its the law. 

What I dont understand is why my mortgage company should be able to force me to put money into a reserve account that I dont get paid interest on? How can this be legal? I already dont get paid interest on my escrow account- which I think is absolute XXXX and should be illegal, but now they want more money (! ) and I dont get paid interest on that money? This is insane and there should be a law against it. 

How can they force me to give them money in which they make interest on?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
This information has lead to consent credit inquiries on my credit score causing a decrease in my credit scores due to constant inquires from XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I have closed this account since XX/XX/2022. The balance was XXXX XXXX  {$300.00}. I have been paying XXXX XXXX {$45.00} every month, sometimes more and the card never goes down but instead it goes up. They are still charging as if the account is still open. For example my last payment at the end of XXXX was XXXX XXXX dollars and the cards balance was {$300.00} but when I look at the balance now ; is still {$300.00} even after the XXXX XXXX payment and now they are charging me {$94.00} for the end of XXXX and my card is still in the negative numbers. I do not understand why. I had to call every month and even when I paid early they will not apply the payments because I was " too early ''? I really need help with this situation. All I wanted was to keep paying a regular monthly payment until it was paid off but this card is a scam to me. And it is also affecting my XXXX XXXX. This js the only card I have issues with. I paid off XXXX and XXXX with no issues except this Avant LLC card. I am a XXXX XXXX XXXX XXXX woman trying to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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