vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am receiving calls from Navient continuously throughout the day. The calls started on XX/XX/2023, and still receiving them. However, when I log on to the site, this is the message : Important : Your U.S. Department of Education ( ED ) owned loans are now being serviced at XXXX 
They ( Navient ) have also reported to the credit bureau that my loans are 90 days late. Please explain this to me, as I believe there has not been a ruling on repayment as of yet. I appreciate the time and effort you are putting into this matter for me. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: U.S. BANCORP
State: TX

Complaint narrative:
Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from 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 2023-02-14 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: GA

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 : XXXX. Original creditor. XXXX 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. 15. U.S.C 1681c ( a ) ( 5 ). Section States : no consumer reporting agency may make any consumer reporting 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 customer 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
Consumer complaint received 2023-02-14 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX. Original creditor. XXXX 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. 15. U.S.C 1681c ( a ) ( 5 ). Section States : no consumer reporting agency may make any consumer reporting 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 customer 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 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX at approximately XXXX XXXX  I purchased a firearm, a XXXX XXXX XXXX XXXX XXXX, from XXXX, a website recommended to me by the ATF when I became an FFL. Ive used the website on many occasions, and have never had an issue. I always check the seller 's rating and that they are verified ( have a green check ) by XXXX. I received a " Congratulations!! '' email confirmation from XXXX that the order was complete, I received a second email telling me to send a copy of my FFL to the seller, which I did immediately. The seller reached out to me via text at XXXX XXXX  from phone number XXXX to finalize the order, and provided an email address : XXXX to send a Zelle payment for a total of {$1300.00} ( {$1200.00} for the XXXX, {$90.00} for sales tax and {$40.00} for shipping ). I had never sent money using Zelle before, but because it was offered on XXXX 's website, I felt a level of safety, so I set up Zelle with XXXX  XXXX XXXX and began the process. I was still a little leery, but my concerns were assuaged when prior to pressing submit a notice appeared that the transaction would be held for 24 hours for security purposes, this alleviated my concern, so I processed the payment ( I took a screenshot just in case there was an issue ).

Then the next morning on Monday XX/XX/XXXX, I was contacted via email by XXXX that the sellers account had been compromised and that they were canceling the transaction and I shouldnt send any money. I contacted Bank XXXX XXXX immediately, who, after an hour and four transfers to four different departments, started with the first person telling me the payment hadn't been sent and there was still time to cancel, to the final person telling me that they can't stop Zelle from sending the money, all they can do is submit a request, even though the payment still showed as Processing ( screenshot attached ). 

I've attempted to file a claim with Zelle, but they require a Payment ID that I am having great difficulty finding, so as of yet I've not been able to speak with anyone at Zelle I can provide screenshots of all correspondences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I did not know about this, the creditor is XXXX XXXX XXXX. THE XXXX NUMBER IS XXXX. 
PIN NUMBER XXXX XXXX THATS insurances company thah I never have. The collection name is XXXX Call center XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Experian has been asked several times this year to remove XXXX XXXX  off of my credit report due to bill being passed that any medical bill under XXXX dollars is to be removed off of my credit report starting the beginning of 2023... I want XXXX XXXX removed from my credit report immediately.

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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their own documents indicate requesting thousands of dollars of " Unbilled Attorney fees '' and their request for " Pending '' amounts violates the Fair Debt Collections Practices Act. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. Even after they collected the money, they retained additional law firms alleging the total mortgage amount due. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.

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 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus Four Inc. contacted me by mail XX/XX/XXXX by mail and I refused and returned the mail on XX/XX/XXXX as the account was unknown to me. I have previously disputed the account due to Plus Four Inc 's unlawful communication tactics to retrieve the alleged debt. Plus Four Inc. responded on XX/XX/XXXX and erroneously stated that they never received any return mail for this account. This is statement is inaccurate as I have documented proof that I refused and returned any mail received from Plus Four Inc. regarding this account.

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 2023-02-14 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: FL

Complaint narrative:
Ability recovery services has reported an inaccurate debt collection account to my consumer report and while i have already tried disputing with the credit bureaus that they are listed on, ( XXXX, XXXX verified as accurate ) i have further researched about this company to make sure that they are in compliance with the fcra, national, and state laws reporting this account to my consumer report and found that Ability Recovery Services is UNLICENSED as a collection agency in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. XXXX XXXXe XXXX  stateXXXX XXXX of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such XXXX  annually as set forth in s. XXXX Referenced from XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX I am a resident of Florida and currently my rights are being XXXX. I have attached my drivers license and utility bill as proof of residency.

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 2023-02-14 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: WI

Complaint narrative:
We contracted a solar panel company, XXXX XXXX XXXX to install solar panels and finances that project through sunlight financial. Sunlight financial disbursed all the money to the contractor without verifying that the project was installed, and it was not. Sunlight financial refuses to give me any alternative options to resolve the is problem. Our first payment is due in XXXX  and we dont have the complete product we paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am the merchant, My bank Chase, issued 12 disputes for one of my customers and charged my account {$510.00} total for the 12. Chase gave this amount to XXXX XXXX, the card holders bank..so they say. XXXX XXXX says there is only 6 disputes for a total of {$240.00} they have for this customer and credited the card holder that {$240.00}. There is a difference of {$270.00} missing out of my account and each bank, Chase and XXXX XXXX is saying it is not them and not their problem. In a nut shell, there has been fraud on this dispute by either Chase or XXXX XXXX. 

XXXX XXXX claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 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: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/23 I tried to cancel my credit card by phone. They kept transferring me to different people all asking for the same information over and over again. I only called to cancel the credit card with a zero dollar balance.

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 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
So, I used to have {$14000.00} in my account and when I had gone to check how much was in there... There was only {$4000.00}. Now I'm aware of who is taking my money because they are the only other person who has access to my account but- they are only the payee on the account. So when I took the remaining cash out to make sure that it stayed safe... Right after I have been getting harassed by Wesbanco to send my money back into the account and if I don't they'll have to call the police. Which I had put {$2500.00} back in on maybe XX/XX/23 and right after I had gotten violently ill so I had just handed the cash to my mother ( the one stealing the cash ) and went back home. I had told this to Wesbanco yet I am still being threatened with police and being harassed if I do not " pay up ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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:
XXXX XXXX was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the XXXX XXXX accounts removed from 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 explanation
Consumer complaint received 2023-02-14 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:
XXXX XXXX was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the XXXX XXXX accounts removed from 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 2023-02-14 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: FL

Complaint narrative:
Over the past 2 months I have been paying down my credit cards and having old delinquent accounts removed to prepare to apply for my first home loan. Every week all 3 Bureaus have gone in the upward direction, all 3 scores. Equifax was my highest. It was XXXX this weekend and Monday morning it dropped to XXXX, now my lowest. The only reported change on the report was a Balance Decrease which should only have had a positive effect on the score. I called Equifax twice to explain or guide me to someone who could, and they were unable to assist. Since then my XXXX jumped up even more. This makes zero sense. I believe an error was made to make my score fall so much when if any change did happen it should have been a score increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My identity was stolen app 2 years ago and I froze all my accounts including credit agencies. I unfroze temporality while applying for credit and Synchrony Bank denied me twice. Reason being they couldn't verify my identity. They will not give me a answer over the phone, and I have written a letter to them XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/2014 are the dates I need to know why this is happening. Credit bureaus can't help me but there is no problems with my credit, and I have over a 800 credit score. 
Thank You

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