vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A legal order was placed on the account ( belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from a XXXX XXXX XXXX XXXXXXXX and XXXX after they knew I was in bankruptcy. Wells Fargo Bank refused to give me any information and froze the account. The out of state legal order was for only about {$31000.00} ( documents are enclosed ) but the bank withdrew from my account over {$62000.00} ( documentation enclosed ). This order was an out of state order as the company and bank account were started and operated in XXXX only. This order was not domesticated in XXXX. Per XXXX  XXXX XXXX it is illegal to garnish or freeze accounts based on a foreign legal order. Moreover, per XXXX the bank must inform the account holder 30 days in advance. Also, the amount taken out of the account is not what the proof of claim ( enclosed ) said. 
I know there were precedents of this sort and XXXX XXXX  XXXX paid huge fines for doing just what Wells Fargo did to the above account. 
Wells Fargo refuses to give me information to clear the situation and the company XXXX for a month right now was not able to pay staff, medical insurance premiums and we have received eviction notice by the landlord. 
We are in a desperate situation and will be forced to shut down the company. What was done to us by Wells Fargo Bank is not only illegal by the rules governing these matters in the State of XXXX, but also shows the disregard they have for the customers. We have been a customer for 22 years.

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 2022-09-15 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because According to 15 USC 1681 : I Have the right to privavy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : Transunion- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with Transunion XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between Transunion vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and XXXX  days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.

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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.

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 2022-09-15 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:
In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.

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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Applied for ( XXXX XXXXXXXX XXXX XXXX ) with CreditKarma which I received XX/XX/22 by mail. As of today XX/XX/22 I called to setup the credit card as well as make an auto payment for the " {$95.00} program fee '', they finished the setup but then informed me I was not eligible for the credit card and would be sent a letter in the mail. I have already filled a complaint with " FTC '' & received a Ref- # of ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TN

Complaint narrative:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. Experian and XXXX are governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Because of these violations and reportings without my written signature and consent, it's been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Experian, XXXX, XXXX or any other consumer reporting agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name XXXX XXXX Account Number : 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 2022-09-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I inititated a balance transfer from my XXXX XXXX to my Citi Bank card using their mobile app. The app instructed me to add the account details by snapping a picture of the card, which I did. I was then given a confirmation that the upload was successful to the account ending in the correct last four digits of my XXXX XXXX, so I thought everything was fine. When I checked the status of it a few days later, I noticed that it was marked pending to be paid to XXXX XXXXXXXX, so I opened a chat with Citi Bank, explained the situation and was told it would be fixed. The next day the transfer went through - to XXXX XXXX. I am being told by Citi Bank that there is nothing they can do to fix it - essentially adding an additional XXXX to my debt. They advised me to call XXXX XXXX, which I did, but they would not help as the account the transfer went to is not mine. It turns out the image taken read the beginning card number as a XXXX when it is in fact a XXXX. This was an error on their behalf, not mine.

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 2022-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
This is a complaint about SLS Specialized Loan Servicing Inc. 
Servicing my loan. 
The letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my loan. 
Now they say I need to pay {$5000.00} to apply for this? I dont get it? 
The XXXX program was supposed to give me help thru the sevicer I want to file a complaint about Specialized Loan Inc. located in Colorado that Services my mortgage. 
Please read the attached document they sent 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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and Transunion they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX California Case No. XXXX. 
On XXXX and Transunion- the false reporting did not happen until after i already filed the lawsuit against XXXX/US Dept of Ed . I showed both XXXX and Transunion that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against Transunion and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name XXXX and Transunion in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

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 2022-09-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account. XXXX 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 2022-09-15 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: TN

Complaint narrative:
How was Equifax, XXXX, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It says the account was opened on XX/XX/2022 and the account reported on my consumer report XX/XX/2022. The debt collection agency by the name of LVNV FUNDING LLC has illegally reported this account on my report in the amount of {$410.00}! They have also committed identity theft, reporting an account that is not mine on to my consumer report! Im not sure how to take action on the company because I dont know any account numbers or how they even got my information! I havent received any calls or any emails stating that I owe any balance to any company. It just appeared on my report and gave my score a huge negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DE

Complaint narrative:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to the 15 USC 1681, I have the right to privacy and did not give Equifax written permission to to furnish these accounts : XXXX XXXX account # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is to inform the CFPB that as a consumer I have the power to delete Any information that is inaccurate on my consumer credit report. as a member of the United State Corporation the company XXXX XXXX XXXX Has violated my personal Private information, I have Create it a PDF file I will share that PDF file with the CFPB, and you can share that file with XXXX XXXX acceptance I am requesting the CFPB to do a proper verification in regarding the violation Of XXXX XXXX contract I have been disputing this account for two years now and the information comes back verifiable I have asked XXXX XXXX acceptance to delete the information posted illegally on my consumer credit report. XXXX XXXX need to provide me with verification of my permissible purpose Verification Signature. I did not give XXXX XXXX permission to post this information on my credit report I have also in the past try to settle this Dispute with XXXX XXXX acceptance. Which is not leading to any agreement in this contract. I have a PDF file that I am providing to the CFPB with an explanation of the violations XXXX XXXX has taken. that are violating my rights as a member of the United State corporation is unacceptable, I do not want to Conduct Any business with this company anymore. The company XXXX XXXX acceptance Motive Is to damage the United States Corporation and the banking system. XXXX XXXX does not understand the truth in Lending Act. XXXX XXXX does not understand that this account has been paid in full since the day This account XXXX XXXX fault. I have also asked XXXX XXXX to provide me with 12 CFR XXXX  followed by XXXX In the process of the two years disputing this account, I have asked XXXX XXXX to provide me with those documents. Until the present day, XXXX XXXX has not provided me with the 12 CFR documentation that I as a consumer has requested by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TN

Complaint narrative:
How was XXXX, XXXX, or Transunion able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
How was XXXX, Experian, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?

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 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
XX/XX/2017 I applied to consolidate my student loans and reduce the interest rate when they were really high. I applied on a website that gave me options, and ended up with Mohela, which eventually became XXXX through the paperwork process. After I accepted the rate and the paperwork was sent I figured this out. And I also learned that they listed all of the benefits of a Federal Student loan and said, 'MIGHT NOT BE ELIGIBLE FOR " before each benefit. NO where on the forms did it say, these will be private loans and no longer eligible for any type of Federal Student loan benefit! 

they intentionally mislead the borrower by saying 'you may ' and offering the same payments as a Federal Loan Servicer. They even show the Federal Loan paperwork on the account website, saying apply for Loan Forgiveness and such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation