vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Initially, I filed this report on early morning XX/XX/2023. It has been 15 calendar days without any response from this debt collector and have yet to see any sort of response from Spring Oaks Capital , LLC in response to both of my disputes/complaints filed with Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX The last contact I have ever had with this company before this ordeal was about six months ago, when after repeatedly calling this debt collector I finally had someone answer the phone. At this point, after explaining my situation as a terminally ill patient that wants to make sure that I do have my credit in order and on point in case of emergency and that I dont know who they are, but I do have a feeling that they are still trying to collect on a debt from XXXX XXXX XXXX that is associated with XXXX XXXXXXXX that was settled from years ago and was appearing to still be continuously sold around that it was fraudulent reporting they responded with tough luck if you have XXXX, you better get your debts taken care of so you dont leave them to your family and hung up. 
Over what appears to be ignoring my complaints from both federal agencies for the last 15 days, I have noticed that the derogatory marks on my credit reports have changed, in fact, multiple times. They can manage to try to hurt the individual who just wants them to leave them alone without showing the respect of a formal response to these agencies that are helpful to mediate these type of situations. They want to be as disrespectful as possible. 
I have provided photos of the changed derogatory marks provided to my credit report, while continuing to ignore providing any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/23, while traveling in Alaska on Vacation, Citibank began declining my purchase transactions. First amount was {$460.00} at XXXX XXXX in XXXX, AK. They messaged me to call them, which I did. I was angry because I provided them a travel notification. We finally got through the verification process, and I was told my card would be unfrozen. Tried the transaction again and it was declined. I tried another card that also would not work and eventually had to pay cash. I called Citibank back and escalated to a supervisor who refused to release my card. I asked for her manager and after a hold was told one would call me back. No such call occurred. Citibank left me stranded in Alaska as far as I am concerned. Come to find out the first woman, without my authorization, activated my new Citibank card. I have no idea where this card is since I was traveling on vacation, and now that I am home still do not have this card. Unacceptable that this happened and they were unable or unwilling to fix the issue. This was the second vacation in row they have done this to me. There will not be a third time. I am a XXXX year customer who will be closing every single credit account Citibank services . I have a great Credit Score and any Bank will take me in XXXX seconds. This is going to impact my credit reports but I will not allow this to continue.

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 2023-08-10 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the XXXX XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I went into the main branch and spoke with XXXX XXXX to open a checking and savings account. 
I was able to open them, but he did not give me any information/documents about the account. When I tried to create my online profile, I was unable to because I didn't have my account number. 
Last week I went back to the main branch to ask about my accounts. I spoke with XXXX and XXXX XXXX ( service manager ). XXXX called and left a voicemail that they reopened the checking account. I was able to create an online profile and see that the savings account is still closed. 

On the day that I opened the account, I spoke with XXXX XXXX XXXX ( personal banking officer ) and XXXX XXXX XXXX ( Asst Service Supervisor III ). They both did not check to see if XXXX XXXX followed company procedure regarding opening a new account. 

I also asked for the manager, XXXX XXXX, who did not come to speak to me concerning my missing driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I entered the branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 at about XXXX to open two business checking accounts. 

I eventually spoke with the branch manager, XXXX XXXX, who said I couldn't open a business bank account then because the person that handles that wasn't working then. 

I asked her why couldn't someone else open the account, she just repeated that the person that does it wasn't available. 

Eventually, I had to schedule an appointment at a different branch because I didn't feel like XXXX XXXX was taking my interest in opening an account with Chase seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
Request to remove gradient account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX finance. Also address on contract does not match with the address on my identification.

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 2023-08-10 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:
Request to remove XXXX account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX XXXX. Also address on contract does not match with the address on my identification.

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 2023-08-10 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: NY

Complaint narrative:
There are accounts opened up under my middle name I seen for XXXX which I asked them about. When I opened my account XXXX as XXXX. I received funds to my account and {$2600.00} was took out my account and also they closed off my account which I had no access too. I also sent everything in but instead they just shut me out even going to the branch. After a few weeks went by they closed my account without returning my money to the account. I was sent a mediation form by them and filed it out and never got anything

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
The company has sued me but I dont have any paperwork and there is no collections. I am getting calls from attorneys telling me that they did this. 

I called the company and told them there was identity fraud in a business account. 

They did not want to work with me. 

They have left no messages on my voice mail and this isnt in collections. 

They are using unfair practices to collect debt. 

The last letter I have from them is in XXXX and its from Mariner. 
I called and the branch manager refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
These events occurred between XXXX XXXX XX/XX/XXXX. In desperate need of an apartment for college, I fell into a scammer who posted his place on XXXX He reached out to me via email on XX/XX/XXXX and then we later transitioned to talking through messages. Everything went well until I visited his place on XX/XX/XXXX to find out that it was occupied by other tenants. I sent a total of {$1300.00} to the people who were apparently working for him. {$200.00} plus an additional {$300.00} went to this XXXX user who is now unenrolled from the app, XXXX on XX/XX/XXXX as the scammer promised to send out the keys so my mom and I can view it but later cancelled it and further having {$800.00} sent to this user with the number, XXXX on XX/XX/XXXX because he said that {$1300.00} is what would be needed to guarantee arrival for the keys. The scammer who I was initially talking to posed himself as XXXX XXXX and even provided a picture of his ID. I have issued a claim to my bank, Wells Fargo, on XX/XX/XXXX but was denied due to it being an authorized transaction. If I had known this was the result, I would not have fallen for it.

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 2023-08-10 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-10 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-08-10 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit 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 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I received a letter on XX/XX/2023 from Wells Fargo saying they will close my account because I use a registered agent. 

I don't believe this is fair nor legal. I would like to see the terms and conditions of my checking account where it shows they XXXX do this.

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 2023-08-10 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 not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.

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 2023-08-10 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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2023-08-10 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-08-10 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation