vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The card was denied and company wanted my SS card my license my passport Never heard of this

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 2023-03-21 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : XXXX XXXX  XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX. XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : EXETER FINANCE LLC Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended. Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
I had an account with XXXX, which XXXX XXXX XXXX took over. I paid XXXX XXXX XXXX XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of 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 2023-03-21 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: Sterling Credit Corp.
State: PA

Complaint narrative:
I had an account with XXXX, which Sterling Credit Corporation took over. I paid Sterling Credit Corporation XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Plastiq Inc.
State: VA

Complaint narrative:
used the company plastiq to pull money from credit card in order to pay car payment. money was pulled, but never sent to car payment company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: FL

Complaint narrative:
Experian and XXXX has listed a medical bill on my account of {$130.00}

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 2023-03-21 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 — Investigation took more than 30 days
Company: SUNCOAST CREDIT UNION
State: GA

Complaint narrative:
I WAS A VICTUM OF IDENITY THEFT SOME ONE OPEN ACCONTS IN MY NAME SUNCOAST CREDIT UNION {$1000.00} I SEND A FTC REPORT IN TO XXXX XXXX AND XXXX ABOUT THISS MATTER TWICW THEY HAVE NOT GOTTEN BACK WITH ME NOR REMOVE FROM MY CRDIT FILE. CHILD SUPPORT {$11000.00} CHILS SUPPORT {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXXXX/XX/XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with Experian three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.

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 2023-03-21 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: DISCOVER BANK
State: TN

Complaint narrative:
The company refuses to send me the original documentation with w/a wet signature to prove that the alleged account belongs to the consumer. Prints off are not sufficient as we all know those prints off can be uploaded and altered. Again I want this account removed immediately from the consumer file. If the company can not respond to my request and give me what is needed and oblige the law then IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
1. Notifed by my XXXX XXXX XXXX in XXXX he was no longer my Agent with XXXX. 

2. Shopped Insurance companies for auto & rental and decided to proceed with XXXX XXXX as of XX/XX/XXXX 3. Signed into XXXX online client portal to find out how to contact new agent that XXXXXXXX XXXX  business was transfered to. No agent or phone number was shown in system however option to email agent was. Sent two emails through client portal Between XX/XX/XXXX when I told XXXX XXXX I would transfer both Auto & Renters policy to them, and Second when I cancelled the Auto Payment on both accounts saying I'm cancelling this policy please terminate you are no longer my insurance.

4. I received an email saying an amount was due but I thought the new agent simply hadn't processed my email yet. I had legally notified XXXX in writing, twice that I no longer wanted this policy due to the agent change and in a survey I completed I put that I was changing insurance companies due to this.

5. Fast forward to XX/XX/XXXX when I received a collection notice from Credit Collections Services stating I owe them for XXXX XX/XX/XXXX - XXXX XXXXXXXX of XXXX which I had CANCELLED VIA WRITING on the portal 6. Call XXXX main customer serivce line at this point on XXXX and talked to XXXX XXXX and she said she took over the portfolio in XXXX but was never notified that my account was past due or in collections and she would get it back dated. So I have emails showing I sent her how I filed the written cancellation and now XXXX states the emails weren't forwarded to XXXX nor did I show up on the cancellation list that she pulls weekly so I'm just out of luck because I didn't physcally call in. 

No where did it state I had to call in to cancel my policy, only to email my agent and I did so at least twice then called when I receivd a collection notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I received an email from Aidvantage on XX/XX/XXXX that I have a payment of {$1400.00} due on XX/XX/XXXX. When I logged into my Advanage account it said that my loan payment was past due. I did not even get an email before saying that my payment was due, so now I have late charges and have to pay the amount. I've never been late making payments on my student loan. Why would I only get an email after my balance is past due instead of before? I called in and talked to rep XXXX XXXX. I told her what was going on and she said since I requested a refund the system will start charging me my balance and said that if I want my balance put in the COVID forbearance I need to tell them. I said that it was illegal for them to charge me fees and payments because of the forbearance and that it was still in effect. She apologized and put in my request and said that it would take 24 to 48 hours to take effect. So, I had to make a payment of {$1600.00} on XX/XX/XXXX to keep my account in good standing. I don't know how this could happen considering the payment pause has been in effect since XXXX XXXX XXXX -- three years ago. I was in forbearance before I was transferred from XXXX and at no point have I ever requested that it be removed. It even states in a big bold banner on Aidvantage 's website that we are in a forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: National Credit Systems,Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo complaint for settlement.

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 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I received a phone call from this number XXXX and they left me a voicemail asking for information. I called back Im not sure what the debt is or what is this regarding. I tried to call the collection agency twice and both times the women answering the phone said they could not tell me what this was in reference to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I order a wire transfer from my Bank of America checking account the i founded that I sent the funds to scammers and I came back yo the branch to cancel the wire but they didnt help me out with it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: FL

Complaint narrative:
XXXX and Equifax has listed a medical bill on my account of {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I called on XX/XX/2022 to request a refund of my student loans ( {$10000.00} ). Since then I have called several times to check on the status and all I get from them is " your refund is being processed by the Treasury Department ''. It has almost been 5 months and I was told the whole process would take 8-12 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX, TXXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXXXXXX  ACCOUNT # XXXX has violated my rights XXXX 

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc.
State: CA

Complaint narrative:
Hi, I ordered with XXXX on XX/XX/2023 My order price was {$53000.00} and later last month I was checking if anything is available for delivery. There was 1 car available i tried to see what i am getting, since it didn't load the description on the website. I chose select car so i can see what i am getting. But it went ahead and placed the order for that car. I was not trying to purchase that car. I was only trying to look what they are offering. I called tesla back that I don't need this car since My original car was long range this is standard range. Please change it back to my original order. After trying 4-5 times they changed my order and put the Current price which is {$54000.00}. I called them spoke to manager he said he will request the change and later i got text they will not change it. I try to explain them there was an error on website i was only trying to see what i am getting. I didnt mean to downgrade my purchase from long range to standard range. but they dont want to listen.Now that manager wont answer my calls or respond back to voicemails. I have attached the picture which i took today and looks similar as same error i got that day./ They dont want to admit Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX XXXX XXXXXXXX I was advised by my mortgage company that my monthly payment would be increasing by {$650.00} per month due to escrow shortage. After researching my taxes and insurance which did increase but only increased {$1100.00} from the year of XXXX to XXXX. After contacting PNC and questioning the drastic increase, PNC stated that there has been a mistake and an inquiry would be opened. As of today 's date, I have made the additional {$650.00} monthly increase with no outcome on rectifying the mistake on PNC 's part. PNC has admitted on several occasions during recorded phone calls that a mistake has been made on their end and still no resolve has happened. An additional monthly increase this drastic has seriously impacted my home life and other utilities are having to be paid late due to the increase.

Company response to consumer: Closed with explanation