vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Siggi LLC
State: TX

Complaint narrative:
There are 3 accounts still on my credit reports from Omni Financial. I was told by a credit agency I can report them and they had a case open. It looks like the case was closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 XXXX XXXX Account # XXXX ...., and XXXX account 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XX/XX/2018 I opened an account with XXXX  XXXX   for {$470.00}. A few months later my car was totaled and instead of accepting my claim which wouldve been covered under out insurance agreement they claimed my insurance was opened fraudulently. It took years for XXXX to finally work with me to remove the car loan from XXXX XXXX  the financier of my car after I finally found of I can report them to the XXXX XXXX XXXX They listened to the XXXX  and removed the accounts but now Im seeing a collection for money owed to XXXX  from a collection agency called CAINE & WEINER for {$700.00}. I owe XXXX  nothing. If anything they owe me money but I have no funds to sue them! They have no proof that I owe anything and I have proof from the XXXX, and XXXX XXXX  ( who they claimed I did fraud on ), that I did no fraud and owe XXXX  XXXX  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My son made a payment with XXXX through our bank, Wells Fargo. The payment for {$100.00} was made on XX/XX/22 to an account through XXXX XXXX for some discs used for Frisbee Golf. My son never received the discs and was subsequently blocked by the person selling them. We reported this to Wells Fargo who created a claim for this fraudulent transaction. They closed the case on XX/XX/22 saying there is nothing they can do for us, that it is up to the banking institution my son sent the money to refund us for this transaction. 

This is the same bank ( Wells Fargo ) who actively promotes the use of XXXX on their website and encourages it's customers to use the XXXX product! Somebody needs to be held accountable for these transactions, neither Wells Fargo or XXXX are taking any responsibility for their customers getting scammed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XXXX i got a letter from Cardmember Service about owing XXXX XXXX {$130.00} I disputed this and asked for a invoice from Carbmember Service on what i had bought for this amount. The can not produce a invoice on what i owe for and when the transaction took place.They asked for additional information from me.I can not give them info on a item they have no info what it is or when it was purchased.They are charging met late payment each month on something they have no info on.I have very accurate records with my dealings with XXXX, and I can not find anything that I owe them. And correct credit card staement. 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 explanation
Consumer complaint received 2022-08-03 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: NY

Complaint narrative:
fraudulent credit line opened on XXXX, 2020 balance : XXXX $ terms : revolving payment status : charge-off account type : credit card account status : closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited Regions Bank XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposited a check for {$5100.00} on XX/XX/2022 inside Chase bank located at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I was told by the Chase Teller my deposit would be available XX/XX/2022. My deposit is still not available. I contacted the Chase Bank customer service number at XXXX on XX/XX/2022 and I was told my deposit was not available and they are holding my deposit incase the company ( XXXX XXXX XXXX which is a local organization dedicated to assisting people in financial hardship situations and providing education programs ) would take the deposit back. Chase has caused my account to go into the negative. Chase is currently causing me late fees and charging me overdraft fees. Chase needs to be investigated for this extremely discriminatory action against my account and ordered to pay all of my associated late fees and cancel the overdraft fees they are charging me. Chase is further causing me financial hardship and placing me deeper into debt. Chase is causing my credit score to decline further as well. My lights can be cut off, my car could be repossessed, I can not pay my bills and I am now accumulating more late fees due to this unfounded deposit hold Chase has placed on my checking account. I was also told on XX/XX/2022 by a Chase Teller located at XXXX XXXX XXXX XXXX XXXX In XXXX ; I could not close my account with the hold they have placed on my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, {$2000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$3000.00} was taken out of my account from $ XXXX On XX/XX/2021, {$800.00} was taken out of my account from $ XXXX On XX/XX/2021, {$1000.00} was taken out of my account from a $ XXXX using Cashapp and I contacted them letting them know that I didn't authorize these transactions. They told me that it was nothing that they could do. I was scammed I filed a complaint and disputed it with my bank but my bank couldn't retrieve my funds. They didn't put the funds back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delta Management Associates, Inc.
State: IL

Complaint narrative:
Received call informed collection person I was at work and didnt have the time to talk to verify the debt he got mad and said im just trying to get him off the phone and not pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
In XX/XX/2022 I successfully completed the mortgage modification process with Midland Mtg/Division of MidFirst Bank and I made two payments of the new modification dollar amount of XXXX. I sent the completed paperwork back to Mldland Mortgage and I even called Midland and spoke with a rep before completing the paperwork to make sure I had done everything accurately. I mailed it back and called about one week later to make my third modification payment and was told my plan had been cancelled because the notary that signed it was licensed/authorized in IL not IN. No one told me the notary had to be IN because the property is located in IN. This specific rule is NOT listed on the instruction sheet I received for the modification paperwork. Now at this point I did request the have the papers sent to me again so I can correct this and was told ok, I waited five days called back and was told foreclosure proceedings had been started against. Now my credit file is ruined, has dropped over 50 points and court papers have been filed. 
This company gave me misinformation which caused all of this and it did not provide me with clear and accurate instructions. The harm caused here is serious to me and my family and my future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CB/VICSCRT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, XXXX Dept. Of Labor Unemployment Division sent a direct deposit to my Cash App account in the amount of {$290.00}, which, due to the financial institution 's computer error, was sent back to the government office it was issued from. As a result I contacted the company, and the response was the money will be sent back to Unemployment and they gave me a {$20.00} credit. I asked them to extend a line of credit or to compensate me for failed transactions and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: GA

Complaint narrative:
I've been sending letters to Experian about these items but I never got any response from them, I felt that I am being ignored and taken advantage. This isn't right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX account ending with XXXX Current Balance : {$5900.00} Available Credit : {$0.00} Minimum Payment Due : {$0.00} Due Date : XXXX Closing Date XX/XX/2022 I attempted to pay {$3400.00} towards my XXXX so that my account would close at {$2500.00} still owing and was NOT ABLE TO MAKE THIS PAYMENT. before Credit Card closes on XX/XX/2022. I am getting the attached message. I contacted PENFED customer service and they are not able to make the payment manually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: MS

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: MS

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

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief