vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was in an auto collision where my car was totaled. The individual who caused the accident was sued. The financier throughout the entire ordeal played games. Didn't want the car, let it stay at the lot etc. The Financier got money from the settlement between the attorney and individual sued, the financier has tried attaching this to my credit to ruin it, which has already been handled, to which I have partially recovered from. I have already filed a complaint against this company with the FTC for phone harassment, I wish for this company to stop contacting me. After I filed an FTC report for them to stop contacting me they took retaliatory action against me " I feel '' as a consumer, and I also feel this is continued harassment and retaliatory action as consumer and I wish for it to stop. I want all business between me and the individuals running it to cease immediately including MAILED statements. 

I will happily file another FTC complaint, and the submit paperwork I have regarding the legal suit, and the bill with zero information. They have been paid.

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 2021-12-22 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:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with XXXX XXXX credit bureaus XXXX, Experian and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my XXXX insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wired {$50000.00} from my check account in Bank of America to my wife 's account in XXXX XXXX XXXX  in XX/XX/2021. But she only recieved {$48000.00}. I don't know what happened, why I lost so much money. I don't understand why she recieved US dollar but Bank of America exchanged that money to RMB and then exchange it to US dollar and send to her account. I don't know whether I or Bank of America made some mistakes. Anyway, I want cancel that transaction. So I asked Bank of Americato recall my money. However, I called the service center of Bank of America five times. First time an assotiate did the recall and gave me a case No. : XXXX. Second time an assotiate cound n't find my case and did recall again and gave me a new case No. : XXXX. Third time an assotiate knew nothing about my case. Forth time I call the superviser XXXX ( XXXX ). She did the recall again and gave me the new case XXXX. XXXX. Fifth time an associate say nothing happend about my recall. I have been a loyal customer of Bank of America for over four years. I am very disappionted. I am not only lost money but also undergone a terrible service experience.

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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On several occasions, TD Bank has debited the largest transactions before the smallest or before crediting deposits. This maximizes the overdraft fees that they charge. This time, I transferred money from XXXX and XXXX using their instant transfer service. The funds showed in my available balance and my debit card purchases were processed without incident. Today, XXXX-21, I was charged an overdraft fee. Looking at my bank statement, I see that, even though the funds showed in my available balance and my transactions were approved, last night, the bank processed my debit card charges before crediting my account with the automatic funds transfers. I called the bank to inquiry and to ask them to reverse the charge. They refused stating that during the weekend, they always process the debits before the credits. I asked to speak to a supervisor and someone identifying himself as " XXXX '' told a different version. He stated that the debit card purchase was actually a subscription purchase so they always let them go through and charge a fee. My transaction history shows this to be false. He stated that the payment went through on the XXXX. My transactions show the XXXX. There was a class action. There were CFPB orders. They settled and went right back to stealing from people. When is someone going to step up and stop this?? It's XXXX and this billion / trillion dollar bank is stealing from single parents and hardworking people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NC

Complaint narrative:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NC

Complaint narrative:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.

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 2021-12-22 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: VA

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-12-22 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: VA

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-12-22 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:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus XXXX, XXXX and Transunion. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
THE FOLLOWING ACCOUNTS ON MY REPORT ARE NOT MINE, IVE REACHED OUT TO DEBT COLLECTOR AND THEY DIDN'T ALLOW ME TO EXERCISE MY RIGHTS AS AN CONSUMER : 1.DIVERSIFIED ADJ SVC ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has repeatedly not supplied me with a free credit report. Every year I use XXXX and I get the same message : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. '' This requires the cost of postage to remedy and does not include any details about the condition.

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 2021-12-22 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: RI

Complaint narrative:
I have opened numerous complaints towards TransUnion. They haven't reported my bankruptcy to any other credit reporting companies in fact they haven't reported anything since XXXX of 2019, which ironically is when I filed my bankruptcy and it was discharged in XXXX of 2019. TransUnion refuses to give that information, they continue to get the information to show me on my own copy of my credit report. That it exists and the dates, etc. But they refuse to give that info to anyone else. I have been on XXXX XXXX, XXXX, etc. and there is nothing new reported to them. The last thing they have is from XXXX of 2019, how can they get away with NOT REPORTING the correct information to other credit reporting companies. If the right info was being reported my XXXX XXXX would be way higher than it is. I have been dealing with this problem since XXXX of 2019, I want them reporting the right info immediately. Almost 2.5 yrs is enough, NO MORE EXCUSES!!!! I had a screaming match with 3 separate employees at TransUnion where they told me it wasn't their job to report to credit agencies ... WHAT?!?! After 30 minutes of talking in circles I hung up!

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 2021-12-22 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: MO

Complaint narrative:
During XXXX, Transunion, and XXXX XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, Transunion, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, Transunion, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, Transunion, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, Transunion, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, Transunion, and XXXX has not conduct a proper investigation pursuant to federal law XXXX15 USC 1681a- ( e ).

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 2021-12-22 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: MO

Complaint narrative:
During XXXX, XXXX, and Equifax XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, XXXX, and Equifax has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, XXXX, and Equifax is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, XXXX, and Equifax has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, XXXX, and Equifax has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, XXXX, and Equifax has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received an email from McCarthy, Buress & Wolff , XXXX on XX/XX/XXXX. The firm sent a letter declaring that XXXX XXXX owes XXXX XXXX {$14000.00} ; this debt is a XXXX XXXX XXXX. We have had this insurance since XXXX and terminated my insurance services with the company in the year XXXX. The XXXX XXXX  replied to the firm email, commenting that their information does not match our payroll records. We provided proof that we faxed the documents to the XXXX XXXX XXXX XXXX to XXXX XXXX but never received an answer from the company. We sent the firm our payroll records which match the IRS. We also sent them the forms that clearly state XXXX, XXXX, and XXXX XXXX to be excluded from the policy because they operate as ( Partnership ). Also, the Builders and XXXX XXXX XXXX XXXX XXXX XXXX sent us a letter in XXXX informing us they would no longer work for XXXX XXXX XXXX. XXXX knew this information and still decided to work with us knowing we didn't have an agent representing us. The payroll information is incorrect, and they can not be guessing any incorrect payroll information. XXXX never asked for the partners ' information because from the start, they were excluded. We provided the correct information, but this debt collection company wants us to pay the wrong amount. Would you please look into this matter? Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: MD

Complaint narrative:
KIMBALL TIREY & ST. JOHN has been violating me for the past decade. I have never done business with them but they have been reporting negative information to the credit agencies which is ruining my reputation and defamation of character the correspondence is false and misleading. I have requested proof of the debt that they say they have against me I never received a paper with my signature on it. The amounts that they say are owe are different.

Company response to consumer: Closed with explanation