vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid off this company via phone call stating if I pay this balance will they take it off my report they said yes. It is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2022, I discovered that a debt collector, LOUISIANA RECOVERY SERVICE INC, whose business address is, XXXX XXXX XXXX XXXX XXXX, XXXX, LA, reported to XXXX, XXXX, and XXXX, that I owe {$1600.00}, and {$2200.00}. This has damaged my credit significantly. LOUISIANA RECOVERY SERVICE INC purchased these accounts from XXXX XXXX a company that kidnapped me ( handcuffed to a stretcher ) and hauled me in an ambulance ride 1.5 hours away to another city, violated my God-given and unalienable rights, committed identity theft, insurance fraud, and theft when they took my U.S. Passport XXXX without my consent. At no point, did I ever relinquish my rights or provide consent to XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
I never use this company Cascade Capital Funding LLC before. I have no reason to use this company. I don't know how they got my name. But never use them at all.

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 2022-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On DATE | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/2022, with a balance of {$5900.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Sequium Asset Solutions, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX | sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was was opened on XXXX XXXX, XXXX with a balance of {$180.00}. To this day SEQUIUM ASSET SOLUTIONS has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued- After the trickery of XXXX. 
They set up a Mediation process to discuss their fraudulent activity on a side issue if a checking account. Hired a mediation attorney to falsify the process, and refused to send the transcript or recording of the session in which it was stated numerous times that the proceeding will be addressing only the CHECKING account and then XXXX has the audacity to claim that was to address the entire relationship with XXXX, which is a lie. 

XXXX suggested after the mediation to have a separate mediation regarding the HELOC loan and now they are walking it back. 

Please reach out to WF and have a new set of eyes on this complaint. 

These complaints will continue until the real issues are addressed and mediated. 

Thank you for speaking with me about your concerns with the account. I appreciate the opportunity to help you, we`ve reviewed your concerns and are providing you with details about the request for mediation. We received a similar request from you and sent a prior response. For your reference, we`ve enclosed a copy of this prior response, which addresses most of the issues mentioned in the inquiry. As our mediation was to address the banking relationship as a whole and not a specified account, we are unable to open an additional claim to mediate. With that being said, you may still have legal rights outside of Wells Fargo. We can confirm the emails between you and XXXX XXXX do not advise the mediation was for just the checking account. The emails state that you are free to pursue any legal claims with respect to the account. Please contact an attorney to discuss your rights and next steps. Here are important account details we`d like you to know. Your account has been paid in full and closed. I`m glad we spoke about your concerns. I appreciate the opportunity to help you, and I`ve attached a copy of our response letter. 
XXXX XXXX XXXX XXXX ( XXXX MB )

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 2022-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
Didnt receive a validation letter about this debt via mail or electronically.

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 2022-10-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Debt is charged off which mean debt is forgiven by law and should have a balance of XXXX. Legally they are issued 1099-c and it is a tax write off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied my home equity of credit line in XX/XX/2022 and they denied XX/XX/2022. They gave me a hard time during the application processing time. They pulled my credit report 2 times and I spent my time and energy as much as I could. They mishandled and mislead my application. I have doubt with those two employees who were handling my application, he did intentionally mishandled my application. They are two employees one is manager and another home service specialist who were did something wrong on my application. I did everything from my side. I am depressed and mentally tortured from it. I need help please.

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 2022-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Debt is charged off which mean debt is forgiven by law and should have a balance of XXXX. Legally they are issued 1099-c and it is a tax write off

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 2022-10-09 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2022-10-09 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
In XXXX  My daughter was in a Car accident in My truck that I got a loan through with Danco Financial the person who hit my truck insurance company pay them their money plus I had insurance at the time of the accident this company still filed a 1099 C and took my taxes plus I filed Bankruptcy that same year and it was discharged on my bankruptcy. they double tripled got there money for that truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
PayPal won't allow me to close my account. 

I tried to buy a XXXX toolbag and a scammer never sent it but PayPal stated they did by regular mail. 
I was sent no Email or tracking for the bag. 

I have the United States XXXX XXXXXXXX XXXX and it showed nothing delivered I screen shot it and sent it but no response. 

So I paid it and tried to close the card but instead they charged me for a physical card for 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 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
I brought my car from XXXX XXXX XXXX in XXXX Ga XXXX - XXXX My car was stolen XXXX because I had XXXX XXXX XXXX the car was not covered under my insurance and gap would not pay because the insurance would not pay the carto date has not been recovered fast forward 2 years later AVID Acceptance knowing the car was stolen is still reporting late payments on my credit report on a closed account severally damaging my credit making this horrible situation, I was in worst every time I look at my credit I'm forced to relive that horrible day I could have been killed.

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 2022-10-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
Case # XXXX - Submitted to the CFPB on XX/XX/2022 I complained about not receiving my funds it has been over a year since Way2Go has received notice of my lost/stolen debit card and they still have not refunded my money. 

Company 's Response XXXX was able to reach the cardholder by phone and discuss the issues that he had about not receiving his refund back, I told him it was because there was no dispute opened, and he stated that he was only able to close out the card and the order a new one but he did not have an option to report the transactions as fraud for over a year. I asked the cardholder if there was more than one transaction that needed to be disputed and there was he stated that he never received the card at all. A dispute was opened for the cardholder and I advised that he would receive paperwork in the mail but he did not have to wait for it to come if he wanted to he can submit a handwritten letter and send it to me via email and I can attach it to the dispute for him, he stated he did not see why he needed to send in another statement when there was on the complaint. I let him know that I can use his statement on the complaint as his official statement for the dispute. I advised the cardholder that I would be working on the dispute personally and that if have any questions I would reach out to him and I would also reach out and let him know the final decision of the dispute. The cardholder 's phone is currently disconnected, I received two emails from the cardholder asking for an update on the dispute however when I replied to the email it came back as undeliverable. The dispute is currently being worked on a meeting has been set to review this dispute before a final decision will be made.

Company response to consumer: Closed with explanation