vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager. 

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: IN

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
We officially filed a complaint and thought it was resolved permanently. I was finally able to make a payment in XXXX. Then XXXX rolls around and I am getting the same calls stating high debt, were delinquent and we need to call. I have proof our last complaint was excepted. They did not correct their system therefore we cant make a payment for XXXX. Tomorrow is officially XXXX so we will be marked behind, have to talk alternate solutions and this is creating severe anxiety for me. I have left several messages for XXXX XXXX to return my call and have documents of days and days of emails and calls with no solution. Supervisors are being asked to turn on a button and they wont. I feel this is becoming out of our hands I am requesting legal support and help at this time. We want the payment button on asap and a personal call stating the issue has been permanently resolved. I dont want to be charged late fees, have my XXXX XXXX dinged and I want the company to honor the modification deal as previously stated they would in the last investigation. I also want written response to my legal choices if we pursue a claim against Right Path. We also need to figure out a fair requirement on how I proceed to make any payments held up due to your technical error of a button not working. This is the companys fault once again and they need to be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: VT

Complaint narrative:
I attempted to transfer funds from my Swiss bank account ( in the amount of XXXX Swiss Francs ( CHF ) ) to my XXXX bank account ( XXXX XXXX XXXX using the " Wise '' money transfer service on XX/XX/2022. However, Wise ( or its partner bank/intermediary bank in the USA, XXXX XXXX XXXX appears to have either lost or stolen my money. For over XXXX months now ( since XX/XX/2022 ), Wise has not been able to track my money nor to refund it, despite countless e-mails to their customer service department and hours spent on the phone with my bank ( XXXX XXXX ) in the USA, as well as with Wise. Wise customer service has been shockingly and unacceptably incompetent and unhelpful. Essentially, they have not been willing or able to find or return my money. I have even suspected possible fraud ( though I'm not sure ). Finally, on XX/XX/XXXX, Wise admitted they could not trace the funds and offered to initiate a recall of funds ( which i had previously requested but they ignored my request. ) I asked how long it would take for me to get my money back and what the process is and heard nothing back. So I desperately wrote again & pleaded for a response and was, unfortunately told by Wise that, " no estimation or timeline we can provide for re-call, as it's outside our control ''. 

This appalling situation and unprofessional, unethical practice on the part of Wise has caused my family and me undue, prolonged and extreme stress. I never want any other customer or human being to endure what I have suffered at the hands of Wise. I also believe Wise should not be allowed to operate as a money transfer company if they are going to lose people 's money and fail to provide adequate redress and customer service. 

Please see attached document for details of my correspondence with Wise. 

Thank you in advance for your guidance and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for credit with American Express in good faith with the intention of getting a credit card. But American Express took my social security card ( the true credit card ) used it and I received no benefit. By me not receiving no benefit American Express committed fraudulent activity ( unauthorized use of a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: OH

Complaint narrative:
My action was that i order a item on XX/XX/2022 and i cancelled the order and the seller said i would receive a refund in 4 days i never got the item or received and i opened a dispute and they credited my card XXXX and then costco citi card did investigation and they took the money back- i never received the product or my credit

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX Account # 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 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 ( A ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
For several months I have been trying to dispute negative accounts from my credit report, accounts that I do not recognize as mine and that on several occasions I have requested verification and even validation of them, the accounts that I have sent on multiple occasions to dispute because they violate the FDCPA are as follows : CALIFORNIA BUSINESS BU XXXX. 
CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX I have requested a validation of the accounts several times with the creditor and they never answer me back. This creditor is in violation on my consumer rights. My lawyer is already working on this case.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Solutions ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy.

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( Chapter 7 included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

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 2022-11-30 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a credit card through Wells Fargo. On XX/XX/XXXX, I received a text alert for suspicious activity. The activity being {$14.00} for XXXX XXXX, which thankfully was denied. I have not had XXXX XXXX in years, my credit card has never been attached to my XXXX, and physically I still had my card. I immediately reported my card as stolen. Got a new one. 

Then, on XX/XX/XXXX, under my brand new card that I had not activated, I received another alert for suspicious activity, again for {$14.00} XXXX XXXX, again declined. I called my bank this time. The lady over the phone said that my account was " digitally transferred '' to the new card, so any merchants who had my old card were automatically updated with my new information. She did a hard transfer and issued me another new card. 

XX/XX/XXXX, I yet again, under the card that I had not received in the mail got another text alert for suspicious activity. Same XXXX XXXX and this time the charge was successful. I call my bank again and the guy tells me " I don't know how this keeps happening. All we can do is continue issuing new cards. '' I contacted XXXX and they told me the transaction was for XXXX XXXX under the account of XXXX XXXX XXXX I do not know anyone by this name or close to this name, but XXXX refuses to remove my card from her account, flag her account, or anything. They just kept telling me to contact my bank. Which, as I have explained here, has gotten me no where. So my usable credit card remains on this strangers account and no one will do anything about it.

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 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
On XX/XX/2022 a collections notice was placed on my credit and I was notified via XXXX. Sadly I was unaware of any outstanding debt. A company called Credence Resources was the collections company that had filed on my credit effectively lowering my credit score by XXXX points overnight putting my business and borrowing abilities at risk. I contacted Credence as soon as they opened and was informed that there had been an AT & T account set up either in my name or social secruity number. I had never received any calls or emails attempting to collect this money becasue the account was clearly fraudulant. I have since notifiy the big XXXX credit bureuas of the fraud as well as XXXX and filed a police report. My biggest concerns is XXXX XXXX XXXX and Credence Resources severe neglect in not checking my XXXX current upstanding acocunts that have been active for many years now. How XXXX XXXX XXXX  or Credence never called me or connected the dots that I have XXXX perfect accounts for multiple years ruining my credit with their negligance of checking social security numbers against existing upstanding customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX fraudulently opened an account in my name in 2020 and sold the debt to a third party company named XXXX XXXX. They refuse to remove this account and now I have a collection on my credit report.

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 2022-11-30 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-11-30 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-11-30 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:
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. 

Account Name : US Bkpt. Ct. XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX Account # XXXX, Account Name : XXXX Account # XXXX Account XXXX XXXX XXXX Funding Account # XXXX, Account Name : XXXX Funding Account # XXXX, Account Name : XXXX XXXX Fin Account # XXXX Account # XXXX XXXX Associates Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 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 ( A ) ( 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.

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 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: NJ

Complaint narrative:
I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ). 

I was made aware of this fraudulent activity after I received a letter in the mail on XXXX. 

I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX. 

A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: NC

Complaint narrative:
Equifax continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 ( A ) ( 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.

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