vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I was advised through XXXX XXXX of fraudulent activity with USAA. I filed a report with XXXX XXXX and they advised me to file a claim with you. I then received a debit card that I did not apply for from USAA and a change of address from USAA that came to my current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-22 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: GA

Complaint narrative:
I have unauthorized inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Re : Venmo and adding funds I have been using Venmo since XXXX and I have been able to add money to my Venmo account balance using a checking account until XXXX of XXXX. The last time that I added funds was on XX/XX/XXXX. 

However, on XX/XX/XXXX, Venmo updated their terms and they changed their policy on adding money to your account. 

I tried to add additional several times during the first week of XX/XX/XXXX and submitted an inquiry on why I could not add funds on XX/XX/XXXX. 

I received a response the same day : " At this time, only users who have applied for and activated a Venmo Debit Card have the ability to add funds to their Venmo balance manually. If youd like more information about applying for a Venmo Debit Card, you can find it by visiting : https : //venmo.com/about/debitcard/ from a browser. Keep in mind that you dont need to add money to your Venmo balance to pay friends or businesses in the app. '' This is a complete loss of functionality for this service and I should not have to divulge valuable personal information ( e.g. SSN ) to apply for another debit card that I do not need. If Venmo wants to operate as a traditional bank, then they should be subjected to bank rules and not advertise as a social payment app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts are not mine I noticed them recently and I need them off as soon as possible

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 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 we noticed that {$18000.00} had been removed from my savings account at Wells Fargo. My wife 's phone was hacked somehow. These funds were transferred via bank wire without our knowledge or or authorization by us. We recognized this quickly and contacted Wells Fargo immediately that same day. We froze our savings and checking accounts for fear additional funds would be stolen. After filing a claim report with Wells Fargo online we went into the Wells Fargo Branch ( XX/XX/22 ) in XXXX XXXX, CA and spoke with a banker. The banker mentioned the wire fraud was under investigation and that this process can take some time as they have to first try and recall the wired funds from the receiving bank. If those funds could not be recalled Wells Fargo would reimburse us per insurance. We followed up once a week and each time they would only advise that the claim was still under investigation with no updates. I finally received a letter from Wells Fargo in the mail on XX/XX/22 claiming their investigation has concluded and that the online wire transaction we disputed would not be covered by Wells Fargo. They claim we can not be refunded due to their Online Wire terms and conditions, Online access agreement and deposit account agreement. We did not release any sensitive information or provide authorization to any third party nor have any knowledge of the fraudulent wire itself. In my entire time with Wells Fargo which has been nearly 20 years I have made 1 wire in person. Why was $ XXXX not flagged or shown as suspicious activity in my 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 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
Two new separate collection accounts have been added to my XXXX credit report in gross error. XXXX, and three other credit bureaus, are reporting in two separate new accounts that I owe XXXX XXXX {$790.00}. This is being reported by CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX. XXXX XXXX Account ID : XXXX, Client Number XXXX, their phone number, XXXX. This is the second or third time this account has been sold for collection. I disputed owing XXXX previously and won the dispute and the collection was taken off my account. I called and objected to collection by a previous collector on XX/XX/XXXX and filed an online dispute and won, on or about XX/XX/XXXX. No money was owed with my proofs of all returned equipment. 

I suffered from XXXX XXXX twice in XXXX and in XXXX. After I cancelled XXXX. I called to let them know my family and I were in lockdown quarantine and I could not leave the house to return the equipment as I could not drive, but as soon as possible once the mandatory Michigan lockdown was over I would be happy to return all. At the first opportunity I drove to the main distribution center and returned everything. EVERYTHING WAS RETURNED. I should not have to pay collections fees and costs and have my credit destroyed I worked so hard to keep current even in a pandemic with Covid! This is wrong and not a valid debt. Please make sure this is taken off all my credit bureau records. 
XXXX XXXX XX/XX/XXXX

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 2022-06-22 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:
XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with Transunion, XXXX, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXX-I filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX code XXXX. 

As of XXXX XXXX Transunion, XXXX XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all XXXX credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

Transunion XXXX XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

In accordance with the Fair Credit Reporting act 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

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 2022-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I was unable to make payments on the vehicle due to personal financial problems, fortunately i was able to get an advance from work to help catch me up, but it wouldn't clear til Friday, XX/XX/XXXX. The bank, Honda Financial reached out to my cosigner as of Wednesday, XX/XX/XXXX. My co-signer assumed responsibility and ensured them the amount would be paid in full and up to date on the XXXX. The bank agreed, and failed to inform us that the car would be up for repossession if payment was not due sooner. They simply agreed to the payment arraignment, declining to mention this key information. Now i struggle to recover the car, let alone speak to someone who could further enlighten me on the situation. My biggest issue here is why would they 1 ) not tell us of this dire information and 2 ) why agree on a payment arraignment and still repossess my car. They also informed me that I only get one time to remove my belongings, which i was only able to grab my work supplies, due to being timed. All contracts, paperwork, and any documents I could review, are within the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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: Self Financial Inc.
State: OH

Complaint narrative:
I conducted a consumer credit transaction with Self Financial , Inc. which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a XXXX  account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: PA

Complaint narrative:
XXXX Collections is listed on my credit report. The report doesn't even list the correct dates ( which makes the balance look never and lower my scores ), but that is irrelevant since the entire balance is invalid since I am a Medicaid recipient and Medicaid recipients are not allowed to be billed for non-covered services unless the provider tells the patient before the service is rendered and the agree in writing to this service, which I did not do. I even asked for the service to be pre-authorized, which it was.

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 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: AL

Complaint narrative:
About XXXX days ago, we were contacted by NewDay USA. I have had this mortage about XXXX years ago. The company stated that they have completed an audit of my account and we are behind on our escrow payments. They have increase100 % our monthly home payments over 100 %. Our payment was {$760.00} now it is XXXX Also they also charge me over {$2000.00} up front. 
My wife own the home and we both are XXXX and living Social Security. 
My age is XXXX and my wife is XXXX XXXX XXXX. 

I don't feel the escrow did their job when we bought the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX is the co-owner of this account # XXXX along with my son, XXXX XXXX XXXX. This is a High School account that was created for him to learn about personal finance. XXXX XXXX is in an out of town High School and he rarely access his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted {$760.00} that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity. 
This is minor, and he had limited access to his account. He should not be penalized in this situation. Please assist to receive full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AES/PHEAA
State: MD

Complaint narrative:
My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, FedLoan Servicing, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to FedLoan Servicing. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( XXXX has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, XXXX XXXX, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to XXXX XXXX. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( Experian has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.

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