vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
I am writing to express my deep frustration with the ongoing issue of fraudulent accounts and inquiries on my credit report, despite my repeated efforts to have them removed. As you are aware, I have been disputing this fraudulent accounts for over 9 months now and they remain on my credit report. This situation has taken a significant toll on my mental health and well-being and has reached my breaking point. 

I have provided all of the necessary documentation and have followed all of the procedures required for resolving this matter, yet the information remains. The emotional stress and financial strain and burden of this situation has been overwhelming and I can no longer endure it. 

I am now seeking litigation and I believe that I am entitled to compensation for the time and effort I have put into resolving this issue, as well as for the damage it has caused in my life. I am confident that I have a strong case and I am fully prepared to pursue all legal avenues to obtain justice in this matter. 

I hope that you will take my request seriously and work with me to finally resolve this issue once and for all. I am eager to move on with my life and put this matter behind me, and I believe that the only way to do so is by having these fraudulent items off my report. 

I have incorrect personal information and incorrect and duplicate inquires on my credit report that have not been resolved!

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My former company, XXXX XXXX XXXX XXXX XXXX, opened up a credit card in my name when I started working there. The card had my name on it and theres. I didnt want the card, but they insisted I have it for travel expenses. I was unexpectedly laid off from there in XX/XX/2022. Since then, XXXX XXXX has been calling me and writing letters that I owe them over {$3000.00}. I have repeatedly told them I no longer have access to the account and the card was closed by my employer but they wont stop. The card company had a special site for employees to access for card info. However, I can no longer access it. I havent used this card and have no idea what the charges are for. No one at XXXX XXXX  can tell me anything except that I owe them money and have been sent to collections. They are threatening to ruin my credit for a corporate card that I no longer have and havent worked at the company since last year. I called XXXX XXXX and they wont even give me an address to write to someone.

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 2023-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
our home was ruined by hurricane Ian we received an insurance check for {$110000.00} i called the bank and they told me to send in a mortgage affidavit on the document i told them i wanted the check to go towards paying off the mortgage my title co keeps calling them for a payoff quote but they will not give them a quote minus the ins check i am a XXXX vet XXXX yrs old i do not need the stress this bank is putting me through i just want to sell the home and start over it does not take a rocket scientist to take XXXX and minus XXXX to come up with a closing amoount please help me get this done the co is united wholesale mortgage XXXX XXXX XXXX XXXX ohio XXXX tel XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: AZ

Complaint narrative:
On transunion it reports that i have a large sum or debt this debt does not report on any other criedit agencies like XXXX for example this debt was not mine this debt amount is incorrect this was dated back to early covid time. 

this was a lease agreement that is not correct this lease agreement is stated on my credit as a debt owed which is not true debt This only reports on transunion and does not show on other credit agencies the information on my credit report regarding this debt or eviction is not accurate and has been taken off my other reports. 

other tenants have accrued this debt however the debt is a incorrect dollar amount and is not tied to my name anywhere else if something can be done in a timely manner that would assist me greatly thank you

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 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo reported I was given {$12000.00} in income to the IRS. I never received any monies from Wells Fargo. My mortgage was transferred to XXXX XXXX  by Wells Fargo In XXXX. I additionally was under bankruptcy in from XXXX until 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 2023-03-23 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: IL

Complaint narrative:
This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that 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 non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip and Stylanou LLP - XXXX XXXX XXXX demanding debt due now Im on XXXX due to medical reasons so my funds flow is very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
On or about XX/XX/2023, I received a letter from Audit & Adjustment Company , Inc. stating that I owed two medical bills to XXXX XXXX. The debts was sent to collections because my insurance had not been properly recorded at the time of billing. I contacted the debt collector and informed them that I would be in touch with XXXX with my updated insurance information. My insurance benefits paid XXXX on XX/XX/2023. I then received a call on XX/XX/2023 from someone claiming to be with the Audit & Adjustment Company , Inc. I informed them that my insurance had paid on the bills, but that I would need to call later to discuss details. I made an effort to call Audit & Adjustment Company , Inc. back on XX/XX/2023, at XXXX PST. I spoke with someone named " XXXX. '' XXXX falsely claimed that she worked at XXXX, misleading me as to who I was speaking with. She falsely claimed that XXXX did not have any record of my insurance benefits paying the bills. After insisting that she work for XXXX, XXXX insisted that she needed me to specify my insurance benefit payments in order to " credit '' my XXXX account. I asked XXXX why, if she worked for XXXX, she did not have access to my insurance payment history as outlined in my explanation of benefits. XXXX responded by informing me that I was required to give her that information myself in order to credit the payment. I became wary, feeling misled and deceived. XXXX told me that she would " note my refusal '' in my file, making me feel uneasy and like I'd done something wrong. I promptly called XXXX and they confirmed that they did receive my insurance 's payments for both bills, and that XXXX does not in fact work for XXXX. XXXX gave me a reference number regarding their attempt to relay the updated insurance information to Audit & Adjustment Company , Inc., so I called Audit & Adjustment Company , Inc. back with that information. I spoke with someone and they confirmed that XXXX did not work at XXXX, and that they would take steps to square away my account. 

Claims : Audit and Adjustment Company , Inc. 's employee XXXX engaged in false, deceptive, and misleading representations and engaged in false, deceptive, and misleading collection means when she : ( 1 ) claimed she worked at XXXX and used XXXX 's name to identify herself rather than Audit & Adjustment Company ; ( 2 ) told me XXXX had no record of receiving payment from my insurance ; ( 3 ) claimed that I was required to provide her my explanation of benefits and insurance payment information in order for the payment to credit my account with XXXX  ; ( 4 ) told me that declining to provide certain personal information, including my personal insurance information, resulted in a " refusal '' to be recorded in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: World Acceptance Corporation
State: IL

Complaint narrative:
This account XXXX XXXX is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
Have tried multiple attempts to dispute information with Transunion and they continue to deny access to my credit report to dispute incorrect information.

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 2023-03-23 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: ID

Complaint narrative:
XXXX XXXX XXXX. Lost my job and needed help with lower payments on my car. They would not help me. The last time I went in the lady called and talked to some man. He wanted to talk to me. He started screaming at me. He wouldn't let me talk. Crying I handed the phone back to the lady and he was screaming at her. I handed my keys over to her and left crying. I loved my car and didn't want to leave it but I couldn't get any help. It haunted my credit for a long time even after filing bankruptcy. Had to have our lawyer keep working on it. Finally 4 years ago I was able to buy a home. This was Wells Fargo in XXXX, Idaho.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX. 

A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: IL

Complaint narrative:
Last XXXX of XXXX RE : XXXX Dear XXXX XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that 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 2023-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: SD

Complaint narrative:
I purchased a vacuum from an inhome sales person. I got the loan from this company in 2017 for XXXX . Within the 1st month the vacuum broke and I attempted to return it but they refused to let me. The have since been charging me interest and refusing to close out the account. They sent me an email today stating that they would take 0.95 % of my balance which was currently at XXXX $ to settle out the account which would equal about XXXX XXXX When I called them an hour after i received the email, they said my account was XXXX $ and they would only accept 95 %. There is a vast difference in that and the agent assigned to my account refused to put anyone else on the phone. I don't understand how they can do this as they lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
I have identified information on my credit report that is a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXXXXXX XX/XX/2019 XXXX XXXX XXXX XXXX I have expressed this concern verbally and orally to the reporting agency over 30 days ago.

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 2023-03-23 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:
I am writing to delete the following information in my file. The items I need deleted are listed 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2023-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The bank has reversed a transaction for items that were never delived to my house. They are then tying to XXXX assault me or my children for the balance of the checking account. There were several items ordered, and when the deliver was to take place there was no longer a way to login and check the delivery of the grocery items. The grocery items included a large case of XXXX and other delivery items that were never brought to the door. The bank was not given sufficient evidence of the items having been delivered and they went ahead and deducted the claim amount from a different bank account. The account which the claim existed for was already closed and resolved.

Company response to consumer: Closed with explanation