vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX  card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account. 

I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website. 

I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit card fraud. A new card was issued without my knowledge and over {$5000.00} dollars worth of fraudulent charges were made without my consent. I filed a fraud claim with the bank and filed a police report for missing card. The bank came back saying that they concluded that the charges were not fraudulent and I am responsible. I did not make these purchases or authorize them. The way I found out there was another card was someone had made a payment on the card. That payment was rejected as someone did a stop payment on it. I have closed the account but theres still a card issued that I dont have again. According to my online bank its not activated. Please let me know if you are able to assist 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 2022-08-06 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act TD Auto Finance Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
Transunion has openly and continuously discriminated against me as a consumer which is causing extreme harm to me. 

Pursuant to 15 U.S Code 1681 ( B ) ( 2 ) Permissible Purpose. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - which is me as its my report- I have not granted nor given written consent for Transunion to furnish my Consumer report.

Neither did I grant permissible consent for them to disclose my personal information.

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

Transunion has a grave responsibility with fairness impartially and respect for the consumers right to privacy. My right to privacy was violated without my knowledge and consent

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
I cancelled the credit card within 30 days of getting the statement with the annual fee on it. The bank refuses to remove the fee because they say the card was used after the fee was posted. However, none of that matters. All that matters is closing the card within 30 days of getting the fee. The bank must remove it, and unless this gets handled very quickly, they will also need to remove any other fees associated with not removing the annual fee on time.

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 2022-08-06 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: CO

Complaint narrative:
These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of 1974 by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXXXXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}

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 2022-08-06 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: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXXXXXX XXXX posted my information in a report without writing and asking me for consent. According to the Credit Bureau I have the right to privacy. According to the privacy laws regarding posting information without asking for consent. 


XXXX XXXX Social Security XXXX XXXX XX/XX/1992 I am adopted and my birth certificate is from XXXXXXXX XXXX XXXX . Social office will state from 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 2022-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells fargo is delaying to send me my credit card agreement to check terms and conditions of this home projects card. 

I called wellsfargo 2 times over a month ago, and spoke customer service agents to whom i had requested for CREDIT CARD agreement for my wellsfargo home projects credit card ending in XXXX, so i can check terms and conditions, and they promised that i would receive it within XXXX to XXXX weeks, but its been a full month, and i have not received my credit card agreement. 
I am extremely disappointed at this XXXX customer service and almost purposeful delaying of sending customer their copy of credit card agreement. 
As to keep customers in the blind as much as possible about card agreement and terms and conditions. 

Very disappointing and deceptive pratice from Wellsfargo.

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 2022-08-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reached out to the three credit bureaus. XXXX, XXXX and Equifax because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reached out to the three credit bureaus. XXXX, Experian and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.

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 2022-08-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-08-07 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: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I do not have nor have I ever had a XXXX XXXX account or credit card. 
Yet shows up a delinquient on my credit report. 
How do I rectify this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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:
XXXX in conjunction with XXXX XXXX, XXXXXXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....

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 2022-08-06 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:
XXXX in conjunction with XXXX XXXX, XXXX BANK AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: KY

Complaint narrative:
I called first digital on XX/XX/2022 to close my acct. she said she would. The next day I spoke to supervisor named XXXX who assured me the acct would be closed and it takes 3-5 days. I called back on XX/XX/2022 because when I went online it showed a balance due ( which was the annual fee the reason I was closing the acct ). Supervisor XXXX said my balance was XXXX but the acct was still open. She said she was going to close the acct but couldnt explain why when I looked at my acct online it showed a balance due. 
I just want to close this account because I no longer want to pay an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK
State: AZ

Complaint narrative:
Back in XX/XX/2022, I contact Loan Officer XXXX XXXX at Civic Financial and told him that I wanted to refinance and cash out of XXXX XXXX XXXX XXXX in XXXX Texas. 

XXXX XXXX instructed me that rates are going up and that if I completed all the discloses and approvals with the bank, I would a rate of 5.25 % at XXXX XXXX XXXX XXXX XXXX TX XXXX Completed all the e-forms in XX/XX/XXXX and XXXX XXXX instructed me that the file would be sent to underwriting. 

When I spoke to XXXX XXXX in XXXX, he indicated that there was a backlog in the under writing and indicated my special rate of 5.25 % would be honored by Civic Financial. 

I was informed yesterday that the CEO of Civic Financial is not willing to honor the rate of 5.25 % and has told that all loans stuck in under writing would now be on 6.75 %. 

This is very unfair to me as a client of Civic Financial, since I have acted in good faith and Civic should have taken steps to manage the backlog of loans in under writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Sixty Days??? For what??? They will not respond to my request for accounting statements of all payments and charges. They lock you out on the website and put up notices you can't pay your loan off. They are charging me a monthly {$300.00} with NO balance due listed. They would still be debiting my account for {$400.00} if I didn't stop it. They are lying and stealing from me and you are going to give them sixty more days to charge me more fees, interest and whatever. I demand this be stoped now. They send me XXXX form emails, They say I have to call them to listen to there XXXX sales pitch. They will not send me any legitimate loan documentation and they are drawing this out to force me to pay more every day. 


-- -- -Original Message -- -- - From : CFPB XXXX To : XXXX XXXX Sent : Wed, XX/XX/2022 XXXX am Subject : The company has responded that it is still working on your issue. 


CFPB Header ( XXXX ) XXXX consumerfinance.gov The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with the payoff process at the end of the loan Log in to view company response First time logging in? Set up your password

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to the dealership to get a loan for a car and they told me that I have numerous hard inquiries on my report so I wasn't going to be able to get approved for a car.

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 2022-08-06 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: CO

Complaint narrative:
These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}

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 2022-08-06 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.

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 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was using Zelle through XXXX XXXX XXXXXXXX to send my rent money in. The recipient DID NOT receive the funds into his bank account, however he received a text from Zelle saying that the money is ready through XXXX. He does not bank through XXXX he banks through XXXX XXXX. I called both XXXX XXXXXXXX XXXX and Zelle, and they were both very unhelpful. They filed a claim on fraud for that transaction, which, weeks later, was apparently denied. This goes beyond me getting my money back, this is a blatant crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: OH

Complaint narrative:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

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 2022-08-06 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: OH

Complaint narrative:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: OH

Complaint narrative:
I am a victim of Identity theft this account does not belong to me this is ruining my life.

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