vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My name is XXXX XXXX XX/XX/year>. I have a XXXX XXXX credit card through Wells Fargo. I have had many complaints sent to Wells Fargo this year alone but mostly for this specific situation. My previous case number was XXXX & my case XXXX was XXXX. XXXX was very helpful & understands this situation more then anyone who tried to help in the past. As a resolution to this case, Wells Fargo sent a refund check directly to XXXX  with the person whos account was being charged for my accounts info. Her name is XXXX XXXX. XXXX is claiming that XXXX said they never received the check. I was told all the information of the check including when it was sent, dated & the serial number. Verbally i was told that there was confirmation XXXX got the check & it was deposited. I need to obtain proof that the XXXX confirmed receiving the check. I understand privacy is a big factor & that might not be possible for me since i am not the chase account holder. I am not looking for personal information but Im looking for confirmation proof it was received & deposited/cashed. If i can not obtain that information Im asking if wells fargo can contact XXXX directly. I can give any contact info i have for this person who is the original XXXX  account holder. I am being threatened yet again to go to court so i need documentation. I can also use a direct phone number for chase of where it was sent. Again, i understand privacy so you can contact XXXX directly regarding any info. 

XXXX in the passed also opened a case & her case XXXX was XXXX. 

Tell them to contact me directly and give them my phone number and email address. 
Her number is XXXX & email is 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 2024-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BCG Equities, LLC
State: CA

Complaint narrative:
I attempted to work with XXXX XXXX to XXXX ) move my scheduled payment dates to align with my new job, this they rejected which caused me to miss payments. XXXX ) I called them to attempt a reasonable payment plan given my low income. They initially offered a payment plan but it was too high at the time. They instead repossessed my car and sold my debt to a debt collection agency and refused to work with me. BCG Equities LLC ( company that bought my debt ) since closed my account and reported it to the major credit bureaus. I was able to work a payment plan through my debt relief company and have successfully paid off what has been owed ( and sold to them ). I have mailed several letters to kindly ask for a removal of this account from my credit in which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: KY

Complaint narrative:
XXXX, XXXX & Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$0.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$710.00}, Payment Status : Collection/Charge off Account Name : DISCOVERBANK, Account # XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX, Balance : {$200.00}, Payment Status : Collection/Charge off Account Name : XXXX XXXX, Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$740.00} Account Name : XXXX XXXX XXXX, Account # XXXX, Account Type : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$440.00}, Payment Status : /Charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has refused to process my fraud claim because of a previous claim that happened in XX/XX/XXXX that they did approve, that has absolutely nothing to do with my recent fraud claim. They have refused to accept everything that they requested : Police report, evidence of a newly issued drivers license, FTC report, their affidavit, and acknowledgment that my card, phone, belongings were not in my possession when the fraud occurred XX/XX/XXXX. My purse was stolen from a public place and then they used my identity to make unauthorized purchases at multiple stores and used my phone to verify the fraudulent charges in the amount of {$6200.00}. The supervisor refuses to help process and resolve my claim as fraud without substantial evidence and spoke to me in an absolute patronizing and condescending tone and language, Re-victimizing me and holding me responsible for the identity theft and fraudulent charges despite the fact that Im federally protected as a consumer and ignoring the fact that there are federal laws that are in place for my consumer protection. They are in violation of these consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX TransUnion : XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. XXXX : XXXX XXXX XXXX account # XXXX Equifax : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am deeply frustrated. My credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am deeply frustrated. My credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score.

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 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I get a notification from the app that I used to handle my bank account. Once I log in it wont let me see my funds, and a notification tells me to contact customer service of the bank. I spent XXXX minutes confirming my identity, only for the customer service representative to say that the company closed my account. They didn't give me any more information on how to potentially contact any other part of the company to figure out why my account was closed. Trying to figure out another way, I look at my email associated with my account to find an email only sent an hour and a half before the call saying my account was closed. There was no reason given in the email. The date is Friday XX/XX/year>. I got off of the call with the representative at XXXX p.m. The bank is Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Cash Express, LLC
State: MS

Complaint narrative:
I contacted Cashexpress llC company in XX/XX/year> to tell them .I was unable to make payment because of layoffs at my job and hours being decreased. I revoked ACH transfers and they still cause fees to be taken out of my account and also took unauthorized money from my account of almost $ XXXX agreed that when my financial situation improved Ill come in a pay my balance in person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Immediate XXXX  XXXX Compliance Dispute and Demand for Deletion of Account # XXXX Dear LVNV Funding LLC, I am writing to formally dispute and demand the immediate deletion of inaccurate and damaging information regarding my account ( # XXXX ) as reported to the major credit bureaus. The current reporting violates XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ). 

Specific Issues : Account Status and Payment History : The account is inaccurately reported as " Open '' and " Late 120 Days '' on XXXX, contradicting the " Collection/Chargeoff '' status reported on XXXX. This inconsistency must be corrected to accurately reflect the account 's true status. 

Number of Months ( Terms ) : There is a discrepancy with XXXX reporting " XXXX '' month as the term, while XXXX reports " XXXX '' months. This inconsistency needs immediate clarification and correction. 

Date Last Active and Date of Last Payment : Conflicting dates between bureaus ( e.g., " XX/XX/XXXX '' and " XX/XX/XXXX '' ) require clarification and accurate reporting. 

Comments and Dispute Resolution : The reported comments, including " Customer disputed account '' and " Consumer disputes this account information, '' are inaccurate and misleading. These comments should be removed promptly as they do not accurately reflect my dispute status. 

Due to these substantial inaccuracies and their negative impact on my creditworthiness, I demand the immediate deletion of this erroneous account information from all credit bureau records. Under FCRA regulations and CFPB 1006.34 ( b ) ( 4 ), I assert my right to accurate reporting and request that LVNV Funding LLC complies with this demand without delay. 

Failure to promptly delete this inaccurate information will compel me to escalate this matter further, including filing complaints with regulatory agencies and pursuing legal remedies against LVNV Funding LLC for non-compliance with FCRA regulations. 

Please provide written confirmation of the deletion and documentation verifying the removal of this erroneous account information from all credit bureau records. 

Thank you for your immediate attention to this critical matter. I expect a response confirming the deletion within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My student loans were originally with Great Lakes. In XXXX I had a XXXX XXXX of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my student loans, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every two weeks. In XXXX of XXXX I checked my credit score to see that it dropped down to the XXXX. The report showed that there were no payments on my student loans. Nearly two months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

Nelnet took over my loans, which excited me because I was glad to be away from Great Lakes, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, Nelnet also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made four different transactions with the same seller on my account. With all four, the seller provided one tracking number that shows that the package was delivered to an incorrect shipping address. The tracking number the seller provided was XXXX XXXX. The delivery address I provided to the seller is to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The tracking number the seller provided shows that the package went to XXXX XXXX XXXX PayPal denied all four cases on the reason of, Seller provided a tracking number. PayPal did not investigate any of the cases properly because if they did, they wouldve seen that the package was delivered to the incorrect location. The case IDs are XXXX XXXX XXXX, XXXX, XXXX. I need an immediate resolution for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I voluntarily sold my car. I originally about my red XXXX through XXXX and was approved through Bridgecrest. I got into a car accident that I attempted to repair, but due to my loss of job resulting in low income, I could not make the car payments and voluntarily gave up my car to Bridgecrest. They sent me about 3 documents in the mail : one document stating how much is sold, one document asking if I wanted to buy the car or they were going to sell it, then a final letter stating they sold the car and the updated balance owed. 

I did not receive any other correspondence in the mail nor phone call. I made several calls to update my address and to see about a payment plan. All I was told was that I would have to call in to make a payment over the phone or a payment by money order or cash in the mail. I asked for a payment plan or to settle for lower due to my financial income and on the brink of bankruptcy. They denied and said they couldn't do that and to just call.

I have since asked for validation of debt to be mailed to me as well as requesting a 1099C as they reported my account as closed. As they reported this account as closed/charged off on all credit bureaus, they should have sent me a 1099C to me. They have not and this account is still reported on my credit report. I have sent several certified mail requesting documentation and have not had any response to this. All I want to do is correct this in a way that I can afford and they refuse after many attempts on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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