vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to request the prompt removal and deletion of the accounts and information mentioned below from my consumer report. It is essential that these accounts and information not be reported, as their presence violates both the FDCPA and FCRA regulations. I kindly urge you to take immediate action in deleting and removing these accounts and information from my consumer report to ensure compliance with the applicable laws. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing this account information with XXXX and XXXX XXXX and TransUnion. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to XXXX XXXX and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from annual credit report today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
It's started in the same bank few years ago in 2018, someone drinking coffee few time per day from my card, then I catch them when they used my card in XXXX, I didn't been there for few weeks.Some bankers blame me, they didn't believe me it's not me, the women who used my card looks like me.I have photo of her also. Then I send them my project they didn't answer. I closed my account, then few months ago I opened account again in the same bank with some cashier 's check on my name XXXX XXXX they tell me check will be available tomorrow, but ... someone withdraw the check next day, until I even did anything.Then multiple excuses from the bank, and they didn't give me check back.

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 2023-07-19 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: Veros Credit, LLC
State: CA

Complaint narrative:
Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor Veros Credit XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank is adgrecious, I disputed charges twice for XXXX they approved the 2 smaller amounts which they approved but in the first complaint I never mentioned those 2 amounts so why were they brought up oh to pretend like you approved part of my claim another lie and illusion. The second time I asked for a review I was out of town so I was not able to provide any paperwork. When I look on my online account it says I sent in paperwork which I did not I have screenshots. I never sent in any information they lied playing games again with my money. The last person they switched off my case she emailed me, I responded back she never called me or responded back. A guy calls on XX/XX/XXXX  and says oh the person who had your file was switched and then he starts talking about another claim that had nothing to do with this one. To make it seem as if they did approve some of it. He named 2 different claims that I never mentioned in my first complaint. Why not name all the account activity then. Your bank now owes me double my claim so think wisely. I'll give you 5 days to adjust my account, or I'll be seeking 10 times the amount. So I feel as a consumer that's unacceptable to lie and say I sent something and didn't. The record shows that it says information received. What information liers. So you made a decision off what for the review. Now that my consumer rights have been violated I'm going for double what your bank owes me. 
Usc15 section 1681section 602 ( a ) A consumer has a right to privacy.

USC Section 18 code 1001 USC Section 18 code 1344

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 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: ID

Complaint narrative:
In XXXX of XXXX I re-financed and paid the car off to Exeter finance. They lost the payoff check. When found it was past the payoff date. I had tracking to prove that the check was received on XX/XX/XXXX before the payoff date of XX/XX/XXXX. A supervisor approved waiving the difference in the payoff/interest because they had misplaced the check. 

Fast forward to this year, XXXX. I am selling the car and no longer need the extended warranty. XXXX messed up and sent the refund to the old lienholder, exeter. Exeter is now taking out the amount they waived last year from this check they were never supposed to receive. They are also holding the check for a month before sending me the remaining balance. All phone calls and interactions have been recorded and they keep changing their story and now they claim they never lost the check last year but as a courtesy they waived what they waived but its their policy if they get money to unwaive anything they've waived. 

Unethical and Illegal. They were not supposed to receive it in the first place, the car and account has been paid off for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Insight Financial, LLC
State: TX

Complaint narrative:
I received a invoice dated XX/XX/2023 as well as phone calls from Insight Financial, LLC. that I owed a debt from XXXXXXXX XXXX XXXXXXXX for {$3800.00}. I sent a USPS certified letter to Insight Financial, LLC. on XX/XX/2023 along with all the back up proof that the debt was paid as it was a insurance claim. I have a invoice marked final invoice from XXXX which I paid on XX/XX/2023. I have provided to Insight Financial LLC. all the insurance claim deposits to my account as well as all the invoices and checks I then wrote to XXXX for the same amount to pay each invoice in full. 
Insight Financial has not sent me any written response as I have requested more than an invoice to show me how the payments where accounted for and it has been over thirty days since I requested this. I feel that they are trying to double bill me and take advantage. Please let me know what else you may need from me. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2023-07-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 explanation
Consumer complaint received 2023-07-19 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Foursight Holding LLC
State: TX

Complaint narrative:
I noticed on my XX/XX/XXXX  Credit Report that there was an auto loan with Foursight Capital. I called numerous times and advised them that was not my debt and they were uncooperative and are not helping me with this matter. I also noticed other several fraudulent accounts. Per these creditors they are unable to assist me so I already filled out an ID Theft report and have submitted it to the bureaus. 

Other Fraudulent Accounts : 1. FOURSIGHT CAPITAL LLC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, my credit report for equifax still shows an auto loan open and delinquent when the loan was paid off. Also, there were several late payments reported on this loan inaccurately. I have emails showing that the credit Union made several mistakes while mishandling my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: MN

Complaint narrative:
On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is another complaint about the outfit called " Midland Funding LLC '' Through the CPFB process I have learned that Midland bought this " debt '' from a credit card company and that the credit card was issued to " XXXX XXXX '' at my address in XXXX XXXX. My name is XXXX XXXX and I have NEVER used the name XXXX XXXX. Midland ignored this fact and insists that I owe this debt. My original complaint number was XXXX. I maintain that this debt was issued fraudulently and that I do not owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i am trying to buy a house and this information is unauthorized and incorrect

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 2023-07-19 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2022 I noticed a charge on my Wells Fargo credit card of {$490.00}. I called the number listed on the charge and was told it was for an internet protection which I did not purchase. 
I was told that to remove the charge I would have to enter two amounts of {$250.00} and the charge would be deleted. Unknown to me, they had control of my computer and they entered the amount of {$25000.00}. So it appeared on my screen that I had deposited {$25000.00} into my checking account. In order to remove that money I had to send two wire transfers totaling {$25000.00} to an account in XXXX. 
So I went to the bank and had those wire transfers completed. I did NOT instruct the teller to charge my two credit card accounts. I wanted the money taken from my checking account. 
Of course there was no {$25000.00} in my checking account. 
So, without my consent, or even my knowledge, my two credit cards were charged {$25000.00} If the banker had asked me where to get where to get the funds, it would have been apparent it was a scam, but SHE DID NOT ASK. She arbitrarily and without my permission, charged my two accounts. 
By the time I realized it was a scam, the transfers were already made. I feel I was defrauded twice : once by the scammers and once by the bank. 
I have spoken with the bank on several occasions and have sent a dispute letter. And have filed a police report. 
Wells Fargo has determined there was no fraud.

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