vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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:
I was scammed by someone pretending to be a government official. He unfortunately got {$2000.00} out of me. I did contact the bank with all the info, account number, amount etc. 
My bank said they contacted Wells Fargo and got no reply. They gave me a trace number but I am clueless as what I am to do with it. 
Please advise if you can.

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.

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 2022-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got into an accident that totaled my car. I have never been late with any of Capital One 's Auto Finance Payments. I paid approximately {$600.00} every month as a car note and was never late. This was my second car note with them and on the first ( where I paid approximately {$500.00} ) I was never late. The account balance after car insurance paid their portion was {$4600.00} and I requested a settlement amount, in which Capital One Auto Finance accepted. I then had to pay {$1800.00} in installments of {$50.00}, which Capital One agreed to automatically draft from my account until XX/XX/XXXX. In XXXX of XXXX, my credit score went down approximately 113 points because my settlement agreement said that I had a charge off, over 3 months late in payment ( I am at a 100 % rate of never being late with any payments ), and in a derogatory status. How can this be if they automatically deduct {$50.00} every month ( the payment arrangement )? I called Capital One Auto Finance Credit Department and they told me it was nothing that they could do about it because although I'm making payments, I am still considered late. I was not told this information in the beginning of the agreement, nor was it written in the contract given to me. If that was the case, I would have paid it off in full a long time ago or from the beginning. I am a homeowner and if I was able to pay down on a loan, rather than dishing out $ XXXX to save money, then I would. I immediately paid off the loan the same day, but my credit has not been the same since. I went from like a XXXX down to a XXXX credit score. This has taken me over 20 years to get to that score and this is unfair. There is nowhere in this written agreement nor the two times that I spoke to representatives on the phone that I had to pay all by XXXX or XXXX of XXXX. I wouldn't let my good credit score down the drain for 7 years over {$1800.00}. 

Please note- The first 2 pages of the attachment is the ONLY written correspondence I received from Capital One Auto Finance XXXX There is nowhere in this document that states anything considered " late or reported to Credit companies as a a 'charge-off or negative ' after a certain period ''. I was deceived. The last page is me settling the account on the same day I seen my credit score drop. I need a serious resolution to this problem. I was deceived, bamboozled, and hoodwinked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can the Credit Bureaus verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. 


Thank you for your time and help in this matter. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-13 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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 credit Reporting act XXXX  Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out 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 2022-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity Bank for XXXX store card I've disputed this through XXXX  I've spoken with agent I'm being harassed call after call when I'm at appointment church functions and I even explained I was making funeral arrangements for a family member to which I got 3 calls after that plus this account is from 2007 and should have been covered long ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In the beginning of XXXX, XXXX I applied for a job position with the description of being a personal assistant to deal with finances. I was sent a fake check by a fake employer and asked to send approximately {$2300.00} to XXXX XXXX, a supposed interested buyer for my " employers '' business, via Venmo. The whole transaction was a scam. I reported the incident to my bank and they reversed the fraudulent check transaction, however, Venmo still sent the money through and is now demanding I pay over {$2000.00} before they report me to credit bureau. I explained the situation to my bank, they spoke with Venmo, as well as to the police and filed a report. Originally, Venmo told me with the correct documentation they would reverse the payment, however they went back on their word and is now demanding I pay the full amount. After numerous emails they asked my lawyer contact their legal team. That message was sent XX/XX/XXXX of XXXX, they guaranteed a response within 10 days. However, my lawyer continuously called, sent multiple emails, contacted on XXXX, explaining of the unauthorized transaction and fraud, and gained no response until approximately two weeks ago. Which only goes to show their lack of care for these matters. I have attached Venmo 's response. This is not the first time a scam has happened with Venmo 's platform, I've been in contact with multiple others who state Venmo has easily reversed their transactions in a situation like this, not to mention XXXX XXXX, the person who aided in scamming me is still using Venmo 's platform. In fact, I was advised by The XXXX XXXX XXXX representatives to contact Consumer Financial Protection Bureau because instances like this are so common. I am a college XXXXt, soley paying for my tuition, I do not have {$2000.00} to pay, and I can not afford to jeopardize my building credit. I am asking for forgiveness in this situation, and understanding, this will not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: FL

Complaint narrative:
1. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX 1909, 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 2. In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX, Account # XXXX, XXXX 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. Also, I have paid this charge off in full therefore it should be removed from my account, 3. In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account, 4. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, 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. Also, I have paid this charge off in full therefore it should be removed from my account. 

5. In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I reached out to my mortgage company to get assistance with possibly doing a loan modification. I had been impacted by Covid for a year and then after that I took a job for less pay. I experienced great hardship in my personal life after that with someone XXXX XXXX XXXX XXXX. I am now at a point in my life that is stable and have a stable income. XX/XX/22 I was emailed and mailed the incorrect information to request for assistance. How do I know that? XX/XX/22 I received several pieces of mail from my mortgage company. Two documents Introducing a new relationship manager. And another saying they needed additional information. The information requested was listed already on my account as being received and accepted. I was told numerous times on the phone the rep manually marked my account for requests of hardship as being completed. I was also told XX/XX/22 that the application I filled out was wrong and needed to fill another out but had to find it myself. I sent all that was requested yesterday. Today XX/XX/22 I call back as I was told to do to verify if my docs were received. I get told that I need to send more docs in that were already sent once before. I questioned why and requested to be informed what all would be required so I can make sure all my docs are sent in today. I was placed on hold for 15 min and then blind transferred back to the automated system. I got someone else on the line and informed I sent in all the docs but wanted to have it noted that I sent in what was asked and now Im being told that it was wrong. The person refused to listen to what I had to say. When I requested a supervisor several times they hung up on 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 explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: GA

Complaint narrative:
Account : XXXX VIN : XXXX - 2019 XXXX XXXX XXXX XXXX : I am writing to you in hope to get some help! 

End of my lease on a vehicle from VW Credit , Ltd and paid off was sent over 9 weeks ago and have not received my title! 
How does a company such as VW is not held accountable for their actions, when received consumers fund and not processing the rightful owners title in a timely manner? 
Attached please see the documents that reflect my complaints. 

What would happened to many consumers who do not have the means nor the language ability to reach out for help and protection? Where do these consumers stand? and who will speak out on their behalf? 

Many thanks in advance for taking to time to view our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
transunion refused to respond

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 2022-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
US Bank is charging late fees in the amount of {$200.00} after XXXX grant brought mortgage current and was processed by US Bank XX/XX/ 2022. I called US Bank and representative stated that between time of working with XXXX and the payment that fees assessed. This can't be true as late fees would not have been assessed within a months time working with XXXX to payment and even if so would not be that significant a fee during processing time. Since payment by XXXX brought loan current, my first payment is due XX/XX/2022 2022

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 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I opened a new account at Charles Schwab, a checking account with debit card and checks, as well as a XXXX account on XX/XX/XXXX. I transferred XXXX XXXX dollars into my checking account and they locked my account without any warning text, no email, no phone call, no nothing. Just a message when I try to log on saying my account is on na security lock and to call customer service. Now a month later, still no access to my account or my money. Every time I call, they say they can't tell me anything, it should be 2-3days. It ; 's been a month, I need access to my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IL

Complaint narrative:
Over the past 3 years, I've sent multiple disputes and complaints about a fraudulent account on my credit report and Experian failed to remove and assist me with this fraudulent 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 2022-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). LNNV Funding is stated as the company owed in the papers received with XXXX XXXX  XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with XXXX Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}

Company response to consumer: Closed with explanation