vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 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: NY

Complaint narrative:
Experian is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that Experian are allowed to report this fraud against my Trust and Estate

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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Spoke with Wells Fargo originally on XX/XX/XXXX. They couldn't find the information about the issue but ultimately they lost a check of {$2800.00}. This was a lump sum check to pay off the final agreed upon amount. They NEVER let me know that this was not applied to my account. This check was written in XX/XX/XXXX. I found out THIS year in XXXX of XXXX that this was the case. After I had to prove the money was paid etc. they finally located it. We spoke with XXXX XXXX about everything for WEEKS. Finally, XX/XX/XXXX my credit reflected the corrected account information including a XXXX balance and no delinquency. Exactly one month later, my credit dropped severely and Wells Fargo reported my account delinquent again and that there was an outstanding balance of {$6200.00}. Thus, they reported that no payments were made and that the account was delinquent etc. We called XXXX XXXX again on XX/XX/XXXX or XXXX ( dates are not for certain ) and asked him about this again. He said it looked right on their end and nobody did anything to report it delinquent. Now, as of XX/XX/XXXX, Wells Fargo has reported my account balance once again as {$6200.00} and as delinquent. They refuse to help us make it right and we want our account to be fixed and stay fixed.

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 2022-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/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 explanation
Consumer complaint received 2022-09-24 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: TX

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All my identity was stolen they using my data my personal info is on black web

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
A check was cashed in my name using a fake ID w my information on it at Ace XXXX   in XXXX colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I went to capital one to buy XXXX thousand euros XXXX dollars I left the bank ( 20 minutes later I made the cancellation throw a phone call to the same location, they told me that my XXXX will be refund in 5 days!! It is exactly 3 months and they didnt put my money back ), I so many time I call the bank I speak with a least 5 supervisor etc the only answer it they still have a investigation, or some time they just tell me they dont know how long it will take!! It is look scan and feel frustrated, ( the bank told me the problem was that those type of transactions cant not be canceled, but they did it their employee did it over the phone!! I mentioned to the bank if you never call me to pick up the euros how is the process ( you order the money and the bank take 3-4 days to call you and tell you the money is ready ) I never receive the call because the transaction was cancelled!!! The problem is they are holding my money more than 3 months I am pregnant I am not working I need to cover my needs!! The bank dont wan na admit they internal problem! And I like a customer I am paying the consequences!! They line are recorded the only need to verify XX/XX/XXXX XXXX at XXXX approx to conclude the problem and refund my money, for my surprise today the banco put back just XXXX dollars not my XXXX ( they still XXXX thousands dllars, who can hear my complaints I am desperate!! It is the worst bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: EMCC Holdings, LLC
State: PA

Complaint narrative:
I sent a letter to Equiant Financial Services on XX/XX/2022 and got no response I also sent letters to XXXX on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to Equiant Financial Services on XX/XX/2022 and got no response again. 
Sent letter to XXXX again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account on XX/XX/XXXX. 
Truist website was supposed to take me to a webpage to fund the account via credit card. 
The website did not redirect and instead went to a confirmation page. I followed the instructions to create my online access to the account. 

I forwarded {$1.00} to the account and then set up ach transfers which require verification in approximately 5 days. 

I received the email to verify my ach accounts and went to log into the truist site. I could not log in. I called and was informed that the account needed in person verification. I went to the bank to verify on XX/XX/XXXX, and the bank attempted to reach the fraud department to confirm that I verified in person. The fraud team did not respond. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from truist advising me that the account was closed. I was advised not to submit any deposits, stop all withdrawals, and that I would receive a check mailed to my address on file within ten business days of the letter. A day later, I received a bank statement dated XX/XX/XXXX confirming a positive balance of {$1.00}. 

A month later after XX/XX/XXXX, I received another bank statement. This time the bank statement showed my account as open and they have now charged me a {$12.00} maintenance fee. The account is now $ XXXX. 

Two branch officers refuser to assist me. They said that the first time I went into the branch the branch employee could have verified and fixed my account and because she did not it was her responsibility and not theirs. 

The fraud team thinks I submitted a fraud request due to unauthorized use of my account. I did not not submit this request because no one has used my account/ Truist puposely kept the account open past XX/XX/XXXX despite the XX/XX/XXXX letter telling me the account is closed. Truist needs to reimburse the {$12.00} fee, give me back my {$1.00} and close the 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 2022-09-24 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with Experian not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. Experian for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX on XX/XX/2022 and got no response I also sent letters to Experian on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to XXXX XXXX XXXX on XX/XX/2022 and got no response again. 
Sent letter to Experian again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.

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 2022-09-24 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: MI

Complaint narrative:
XXXX XXXX XXXX, XXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

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 2022-09-24 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: PA

Complaint narrative:
XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX  ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
RE : XXXX I, XXXX XXXX XXXX am writing this complaint as a natural person with no third party assistance. In the previous complaint a representative of Navy Federal Credit Union stated that the bill of exchange that I sent to tender payment was not a valid form of payment. If the bills that you send me in the mail are not bills of exchange, what are they? Please define a valid form of payment. Please define a legal negotiable instrument so that I may take steps to settle this matter accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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:
I have made several attempts to have late payments removed under the law. The law that I stated in my letter to TransUnion was 15 USC 1681 ( b ) ( 2 ) under permissible purpose. In order for anything to be furnished on my consumer report, written consent needs to be provided by me. If no consent is give then then by definition identity theft has been committed. Also under the GLB act it states that the consumer which is me XXXX XXXX XXXX needs FULL and conspicuous easy to read detailed disclosure if that company shares my information with a third party. I wrote to XXXX XXXX and asked for copied of my legal contract and they do not have copies for either card. The negative remarks that were placed illegally according to the definition of identity theft have placed a hardship on myself and my family as well as undo stress and financial strain.

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 2022-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a loan with Bank of America. We agreed to terms on a modification agreement, the agreement was supposed to start in XXXX, 2022. I made my payments during the trial period. I have proof of mailing that the modification agreement was sent to them. Bank of America now is saying they have no record of the agreement on file and my loan is in default. Bank of America is currently sending me paperwork for a new proposed modification agreement but the interest rate is substantially higher than the last agreement.

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