vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 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: MO

Complaint narrative:
In Accordance with the fair Credit Reporting act 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 as 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 explanation
Consumer complaint received 2023-02-19 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. Capital One advertises a Zero Liability Fraud program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX bank said I had a charge of {$20.00} that the payment was late. I called them to dispute the item and they kept giving me the runaround. I had no issue paying it but nobody seem to help they charged me a late fee of {$25.00} which brought the leap payment now or {$45.00}. I paid the item and they keep giving me a run around about the different dispute. Put a late payment on my credit report for 2 months. when I have excellent credit and no debts I want those late payments removed. I dont know what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: MO

Complaint narrative:
In Accordance with the fair Credit Reporting act 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : 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 2023-02-19 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: MO

Complaint narrative:
In Accordance with the fair Credit Reporting act 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : it also states a Consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NV

Complaint narrative:
I have tried number times to contact this company to remove incorrect information from my credit report. I have attempted to contact them from this website, by mail and by phone. This company has refused to take down this false information on my credit report, they even went as far as to tell me they are getting this information from other companies. 
When I asked this company who are they contacting to receive information about me they refused to tell me. They are collecting personal information on me from unknown sources and attaching it to my personal credit file without my consent.

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 2023-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I mailed a negotiable instrument to wells Fargo branch at XXXX XXXX XXXX XXXX XXXX CA XXXX for the amount of XXXX XXXX I previously went in there with the original copy of the bill of exchange but they refused to accept it because they said it wasn't signed under seal. So I signed it with my corporate seal and mailed it to them with very basic but clear instructions asking them to discount the bill of exchange and transfer the funds to my account number. I also put In the instructions to send the bill of exchange back to me if they couldn't accept it. Well they did neither the bill was sent registered mail to the wells Fargo branch on XXXX XXXX XXXX in XXXX CA it was received by them on XX/XX/2022 I have the receipt from post office showing they received the package. I think it's wrong for them to have kept the negotiable instrument that was filed correctly under Uniform commercial code

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I sold a huge bundle of WII products ( gaming console, controllers, accessories, games, etc ) on XXXX for {$300.00}. XXXX presented the shipping costs of around {$45.00} which I thought was fair, so I went ahead and authorized the transaction. Turns out I couldn't fit everything into one large box, so I had to ship a second box and pay out of pocket for that expense ( around another {$50.00} ). So my {$300.00} sell price is already netting out at {$200.00}. A few months later I received notification from XXXX stating that my account is suspended because I have an outstanding debt of {$90.00}. They provided no indication of what this dollar amount is for, nor did they provide me any way to contact them to find out. I then searched the web for contact information for XXXX. Turns out they have NO customer support, literally XXXX. So I didn't know what to do. A few months later I received a call from a creditor trying to collect the payment, I asked them what is was for and all they could say was " processing fees ''. Nowhere in XXXX 's literature did they state that I would owe them {$90.00} for a {$300.00} product sale. To the contrary, I their service fees are straight % off of the sale price, anywhere from 5 % - 13 % depending on the product being sold. 13 % of {$300.00} is {$39.00} which does not equal {$90.00}, plus I remember having them net that out of what they paid me originally. If XXXX did make it clear that they would be taking another {$90.00} from my proceeds, I of course never would have taken the tremendous amount of personal effort it took to package and ship the gaming system and all of its components in the first place. Because XXXX froze my account, I can't even look on the app to see if there is some sort of explanation of why they think I owe them {$90.00}. If XXXX refuses to communicate with me in anyway other than to send a creditor after me to collect $ for an unknown reason, then this is effectively fraud. Please make the creditors cease and desist and protect my credit rating from being impacted by this nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX  XXXX stoped payments for weeks claimed benefits. As they usually do. Fifth third bank closed my checking account due to financial debt as resulting. XXXX XXXX released payment to said checking account after verifications and such. Fifth third bank wont tell me where my money went. Also say I owe them money. Year 2021 XXXX thru XXXX XXXX  benefits. I verified identity with multiple entities often enough to cause identity issues due to verification of the persistant problem of getting any answers. I at my wits end and already filed taxs that year. Like an XXXX, I did not notice a couple grand i claimed that year in my federal return causeing greater issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: TX

Complaint narrative:
On Monday XX/XX/2023, I received a text message from what looked like XXXX XXXX XXXXXXXX saying that someone attempted to XXXX through the zelle app from our bank account. Because I responded to the scammers unknowingly, they were able to transfer at least {$1500.00} out of our checking and savings accounts. I spoke with the scammers unknowingly and then I called XXXX XXXX XXXXXXXX. I was told by XXXX XXXX XXXXXXXX that zelle is a third party entity and they can't guarantee me my money back. They said zelle has up to 45 days to look into the matter. It has been 6 days now and we haven't heard from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I received another letter from select portfolio servicing attorneys requesting the courts gir another sale date while Im still in active review of a modification. This should not be happening at the same time. A sale date that was scheduled for XX/XX/XXXX was cancelled but a new one has been requested on just two weeks while Im still in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
If I disputed accounts on my credit report and all the accounts came back verified by Experian ; Experian should by law disclose who verified the accounts. Anyone can look up a company address and XXXX number this is not classified as verification its public information ; this is my third attempt to get verification. I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me names of persons who verified accounts. Rather Experian has asked me the consumer to follow up with furnishers instead of Experian showing proof of each person who verified the accounts I disputed. In my dispute results I was never asked why I was disputing each account, yet Experian verified all the accounts as accurate and when I asked for proof of the person that verified the account, Experian is giving me the run around showing proof. If these accounts were properly investigated Experian should be able to produce who verified each account, they are reporting as accurate.

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 2023-02-19 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: AE

Complaint narrative:
I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-02-19 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: NY

Complaint narrative:
I have requested the inquiry dated XX/XX/2021 from XXXX XXXX be removed. I never applied for a mortgage in XX/XX/2021 nor have done any business with XXXX 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 2023-02-19 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: VA

Complaint narrative:
I tried to order a pool cover reel from a vender ( XXXX ), but the order was declined so I pressed the key again and was declined again. I thought nothing of it and looked at other sites. When I received my Citibank card bill I see that I have been charged twice for {$82.00}. I disputed the charges. I tried to contact the company but the phone # they list doesn't exist, also I have not received any product from them. I called Citibank and thought it was all taken care of. What is Citibank 's problem? When I contact Citibank all I get is somebody I can't understand from another country.

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 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
They said I own a debt to XXXX XXXX XXXX XXXX XXXX of {$660.00}, the name of the collecting company is Convergent Outsourcing , Inc located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA 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 2023-02-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
At one point of time I was insured with XXXX XXXX and the insurance was just a little two high for me so I decided to find a cheaper car insurance to go to so I called XXXX and requested that they cancel my policy with them and stated that I found a cheaper insurance.My policy was paided up to date and they tried to get me to stay with them and refused to cancel my insurance which resulted in them trying to charge me for the remaining two payment of my 6 month premium and I told them why should I have to pay something I told you all to cancel. So they reported it as a collection on my credit which my impacted me from getting a lot of things and it is not fair and I asked that they have it removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance Corporation charged me with an excessive finance charge. The finance charge of an {$8000.00} vehicle, I was charged a finance charge of {$6300.00}. With a 22.99 % interest rate. Plus I had a XXXX month extended warranty, and had a bad alternator during the first week and had to pay out of pocket for the entire repair.

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 2023-02-19 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: CA

Complaint narrative:
I have been a victim of identity theft since XXXX when my wallwt wasstolen from me. inside was all my personal information such as my CA identification card my social security card my children 's social security card. My banking information. My homeless certification etc. I was currently homeless when this account was fradulently opened XX/XX/2018. I Informed all 3 credit reporting agencies of my idenity theft circumstances and requested that they place a fraud alert on my credit profile as well as a personal statement indicating my identity has been stolen and to PLEASE verify my identity before issusing out credit. I have disputed this matter with EXPERIAN CREDIT AGENCY. They have not followed the law because this personal ststement was added to this credit report profile on XX/XX/2018. This account in the amount of {$9800.00} from XXXX XXXX XXXX  on my credit file NEEDS TO REMOVE IMMEDIATELY. There has been a police report filed and the temporary tracking number is XXXX. I have mailed a direct disput to this company as well as EXPERIAN including my identity theft report and affidavit and a copy of another creditor that finished their investigation and requested their account be removed due to fraud. Please contact them XXXX XXXX XXXX  AND REQUEST THEY DELETE THIS ACCOUNT FROM MY EXPERIAN CREDIT FILE.

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 2023-02-19 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: AE

Complaint narrative:
I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-02-19 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: AE

Complaint narrative:
I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. Accrording to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation