vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was notified by XXXX XXXX that my Wells Fargo credit card limit was decreased from {$7500.00} to {$6100.00} at the beginning of XXXX. This put my credit card utilization at 98 % usage and caused my credit score to drop 40 points. I was told by Wells Fargo that a letter was sent out, yet I did not receive a letter notifying me of this. I have had this particular credit card with Wells Fargo for 10 years with no late payments. I have my checking and savings accounts with Wells Fargo as well as a persona loan. My complaint is that no one took into account the banking relationship that I have had with Wells Fargo and arbitrarily decreased my limit without notification. I am in the process of purchasing a home and this has severely effected my credit score and no one at Wells Fargo can give me a satisfactory explanation as to why this was done. It questions the integrity of who is making these banking decisions and why a long time customer could be considered a risk at a bank that handles the majority of my banking needs. I question continuing the banking relationship if this is not resolved satisfactorily.

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 2023-04-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I acquired a HELOC which is currently being serviced by Real Time Resolutions. Since I have been with them, they have given me the run around, escalated the remaining amount due, won't validate how they acquired the accounting, given me different people to talk to who had no knowledge of my situation & harassed me with constant phone calls. The loan amount originally locked at $ XXXX & from the time they assumed it, they claimed the balance is {$100000.00} the previous services had a balance of approximately {$35000.00}! I had been paying the previous servicers & experienced financial hardships. We were to execute a Temporary Payment Arrangement, there was to be no interest accrued. I payed the required amount and additional payments thereafter, while continuing to ask them to show proof of their outrageous balance. The TPA was never honored correctly because they continued to show interest accrual, they never documented the payments on the statements so I retained legal assistance to investigate with the documents that I had in my possession. I have names of persons that I had spoken to, notes & dated documentation. Then Real Time became predatory and sent out a letter of threat to foreclose on my property, even though they have 2nd position! My legal aid had corresponded with them since last year, XX/XX/XXXX with only the same run around. They stated in a letter dated XX/XX/XXXX, that the loan matured XXXX but had not sent me a letter of intent until XX/XX/XXXX after the mature date. Then they filed a Default with intent to sell my property XX/XX/XXXX but did not mail out the Notice to me until XX/XX/XXXX per the post mark date & I didn't receive the notices until the first week of XXXX! I started getting phone calls & text messages from investors & realtors to purchase my home that is how I found out. So to date, Real Time HAS NOT complied with the 3rd party authorizations to give up any information regarding their accounting. I had been doing constant research calling various agencies to help me & my family with this nightmare problem, & I came across the HUD Agency USA Homeownership Foundation who immediately started working with me to help as the tentative sale date is XX/XX/XXXX. Please Help, Your assistance with this urgent matter is genuinely appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a dispute that the account did not belong to me about a account that was closed and charge off and they reopened the account instead.

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 2023-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I moved out of XXXX XXXX, XXXX, WA XXXX in XX/XX/XXXX, due to pest infestation, rampant theft, burglary and vandal problems, and due to the the intent of management to raise my rent to unaffordable level for me. After moving out in XX/XX/XXXX, later in XX/XX/XXXX, I received an automated bill for rent. I called and emailed XXXX XXXX management who informed me in writing via email that the rent and utility bill sent to me was a glitch in the system and that they would fix the problem. 

Now in XX/XX/XXXX, I have been contacted by the XXXX XXXX XXXX company to pay a {$1400.00} bill that they claim I owe to XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX who is under a new manager and explained to them the glitch in the system that had wrongly billed me in XX/XX/XXXX. I also asked them to give me the original bill so I can send it to the Washington State Attorney General 's Office. 
XXXX XXXX management said that was under old management and they have refused to give me the original bill from XXXX XXXX that I allegedly owe. 

I am permanently unemployed and I am a XXXX XXXX XXXX, who has had XXXX XXXX XXXX ( XX/XX/XXXX and again on XX/XX/XXXX ) and I am unable to pay this {$1400.00} bill that I do not owe XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid, Closed. {$37000.00} written off. 
Status updated XX/XX/XXXX Original balance {$34000.00} Monthly payment - Last payment date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 contacted Experian and XXXX XXXX XXXX because on my credit report Im showed as an authorized user on Experian with a balance that is showing at XXXX %. I dont have said account. I have contacted them numerous times. XXXX XXXX says they have no record with the account attached to my name. That they are happy to clear it up with Experian immediately. I need this to deleted off my report immediately.

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 2023-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes! 
i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back! 
upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard 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 2023-04-28 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
Experian reporting : Fraudulent inquiry- XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX reporting : Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN 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 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo is making me pay back a crypto sale charge from 2021 that I did not do and I already made several complaints and called about those charges and now they took my XXXX bucks in Venmo balance and making me repay a fraud charge from 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase bank has made my credit report look its worst I am unaware of the charges I will like a copy of the original contract with me and the lender name on it that shows this debt is mine. The amount shown on my report is ridiculous and already is shown as it being written off on their taxes this is tax fraud and I would like this negative inquiry off of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: VA

Complaint narrative:
I had two accounts with the same account holder and they were sold in XXXX of 2022 to XXXX in which I set up payments with them in XXXX of 2022 as ACH direct drafts in I have never been late. The account has not report correctly to the repositories from the initial term of the agreement. The balance has never been updated nor are the payments being reported. I spoke with XXXX concerning the issue and was informed that they do report my payments to XXXX XXXX every 30 days and XXXX XXXX is to update my credit report. This has not occurred. They last update XXXX XXXX submitted to the credit agencies was 10 months ago. 
I have one payment remaining on each account that is not due until next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MD

Complaint narrative:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting transunion, XXXX, and XXXX by phone and have received 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 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it 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 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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 am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
ordered a copy of my credit report reviewed the copy founded to many wrong names, addresses and past work names

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 2023-04-28 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: VA

Complaint narrative:
I'm composing this complaint to TransUnion Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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