vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2023-01-23 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/2023 my son was playing on my phone while i was sleep and i was unaware that that he applied for a credit card until i woke up the next morning with to a notification of a hard inquiry. Unaware of this suspicious activity i called to report this with the company and was told that it was absolutely nothing then can do because it came from my device. Puzzled and lost of understanding i ask and expressed that it wasnt me who applied for this loan in fact they did not have my consent ( wet ink signature ) to even handle this private credit transaction ( as i am a natural living GOD created MAN I hold all rights to MYSELF, AND PRIVATE PROPERTY IN TRUST ) .FUTHERMORE with a attitude and poor customer service i was told to change my password on my devices and not let my child play on my phone, and they proceeded to to lock my account with out my permission, and being as thought it was the weekend i had to wait til monday to call back to speak to someone else who was nice enough to help me gain access to my account...

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/22 I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 20 days, hold the funds for 60 days to receive a {$1000.00} bonus. On XX/XX/22 my account balance reached {$50000.00}. I maintained that balance through XX/XX/22. The terms stipulated that the bonus would be paid within 90 days of meeting the terms. The bonus has not been paid. I have called three times regarnding the bonus and the representatives have let me know that I have met the terms but tell me to wait. The last time I was given the reference number XXXX by a manager who said she was raising an investivation. I would appreciate the bonus being paid now as I have met the terms.

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 monetary relief
Consumer complaint received 2023-01-23 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
There is an account on my credit report with Hunter Warfield that I am not familiar with. I reached out to them and sent a letter requesting validation of debt and I only received an itemized statement. Here is the tracking XXXX XXXX XXXX XXXX XXXX. A statement is not validation of debt. They did not send a contract with any signatures or valid proof that this account is mine and belongs to me. Please remove this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Have had two lawyers and both refused to proceed with case. I have all documents to prove what happened. My credit was ruined and I have contacted both car dealer and Wells Fargo. For one year and a half I have contacted them. XXXX XXXX XXXX  car dealership wrote a fraudulent contract. The mileage was different on contract than with state of XXXX XXXX XXXXXXXX records. The car was a lemon. I did have a 30 day warranty but the dealership refused to take car back. I have been trying to get help for years.

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo to complain about the very high fees, and rates for the loan on the car I received. I was given a {$780.00} a month for a XXXX  XXXX XXXX. I really like the car but I think the {$780.00} a month is too expensive. Thanks, 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 explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. These items are stopping me from getting a house.

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 2023-01-23 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: FL

Complaint narrative:
Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years! 

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting

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 2023-01-23 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:
Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX  account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting

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 2023-01-23 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: PA

Complaint narrative:
According to the FCRA all consumer reporting agencies have a GRAVE RESPONSIBILITY to report correct and 100 % accurate information on a consumer 's report. EXPERIAN FAIL TO DO THIS ON MY CONSUMER REPORT. In XXXX of last year I notice that thing were not reporting correctly. The have a name that I have never used, addresses I have never lived at and so much inaccurate information on accounts reporting. 
On XXXX XXXX I sent EXPERIAN a letter informing them of my proper name and the proper address they should be reporting and directed them to delete anything else because it was in accurate. Along with this letter I sent a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill. They totally ignored my letter. 
On XXXX XXXX I sent them XXXX more letters detailing the same information but also disputing the inaccuracies on my report. I also again sent them a color copy of my State driver 's license, my Social security card and a copy of my XXXX electric bill to verify that it was me sending them the letters. I also directed them to respond to me via mail to my proper address. 
On XXXX XXXX I sent them a letter notifying them that because they took longer than XXXX days to respond that them must delete all accounts that I disputed in the pervious letter and I listed all the accounts in this letter as well along with the same documents to verify my identity. this letter was completely ignored as well. 
On XX/XX/2022 I also sent out my next round of dispute letters with all of the identity verifying documents. It is now XXXX XXXX and literally nothing has changed on my credit report! They haven't responded to my last letter which was almost XXXX days ago or my first letter which is almost XXXX days ago. 
Experian is not follow Fair Credit Reporting Act or their own XXXX XXXX compliance standards. As a federally protected consumer this is totally UNACCEPTABLE. 
In the last XXXX months I have gotten denied for numerous of things because Experian has fail to obey the law!

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have notice XXXX unknown transaction of {$340.00} and {$260.00} on XX/XX/XXXX in my XXXXXXXX XXXX XXXXy from that day i tried to contact their helpline and they transfer me to another department and put me on long hold more than XXXX minutes each time i wait but no body answer then i right email to them they replied with the same credit card department phone number which i tried XXXX times till that day. 

Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have tried writing letters and calling but I have yet to get a response. This account should not be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
This company reported the collection to the credit boreaus in XX/XX/2022, however they never sent me a letter to validate the debt. Since I realized I called them and said that I did not receive a letter to validate the debt which I do not know and I have no information, even so they did not send me anything. After contacting us by email they sent me the invoice with a fee which I ask that they explain to me and even so they do not do it and I ask again that they contact me only by email and even so they ignore my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This is my first dispute regarding Chrysler Capital. Chrysler Capital is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the 3 disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and I did not sign anything and it wasn't provided with the documents Chrysler Capital sent. Chrysler Capital has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortgage was bought out by Wells Fargo. House was sold in XXXX of 2014. 

Payoff seemed high and full of fees but we had no choice but to pay what was calculated

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So one day, unaware someone gained access to my Chase account and tried to deposit a fraud check and because of that action, a few days later, I received a call from Chase stating that my accounts were going to be closed down and I could not further bank with it them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a Wells Fargo mortgage. When the housing bubble happened, I tried to refinance my mortgage and Wells Fargo said I could not reapply. As such, my home was foreclosed. Had I been able to reapply, I could have gotten my payment down to where I could have made the payment but Wells Fargo refused to let me apply. I have called Wells Fargo and after getting the pertinent address and my current address, their system hung up on me. I am not sure if I need to call again and sit on hold but - as is typical with WF - nobody in customer service can answer any questions. This was XXXX when I tried to refinance - XXXX or XXXX and the home was repossessed in XXXX. 

Thank you for your time.

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 2023-01-23 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: SC

Complaint narrative:
In accordance with the FCRA, Experian has violated my federally protected consumer rights. 

15 US Code 1681 States that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...

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 2023-01-23 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:
1. 15 USC 1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation.

2. 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 3. And, according to15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate/Invalid Credit Information , it MUST be REMOVED from your credit reports.EQUIFAX HAS TAKEN OVER 90 DAYS TO COMPLETE THIS REQUEST. ATTACHED IS PROOF THEY STATED IT WOULD BE DELETED. THEY HAVE BROKEN THE LAWS ABOVE. XXXX XXXX XXXX MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WILL HAVE NO CHOICE BUT TO SUE EQUIFAX IF XXXX XXXX XXXXXXXX IS NOT DELETED ASAP. THIS IS CAUSING EMOTIONAL DISTRESS AND DAMAGES TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: MD

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, XXXX and Transunion ) for violations under the federal laws listed above. 

XXXX  XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX  ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.

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