vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The month of XXXXXXXX XXXX XXXX didnt and still havent updated my information this is wrong because I called them Im a business owner and my personal credit its all never updated got ta continue to call over and over email over and over Experian had the wrong business address I have called them asked them to update my information for chase to approve my business and Experian is going through a big law suit because of not updating information so XXXX XXXX denied me then a couple weeks later Experian sent me a email saying we updated your address but chase already ran my credit took my inquiries and no credit established for me but a bunch of inquiries because of Experian not updating my information Im suffering from all them doing this please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
The reason I am submitting this complaint is due to the way in which I was treated by the Wells Fargo Bank employees and management in XXXX XXXX, Wyoming XXXX. 


This branch has by far been the worst bank I have ever had to deal with in my life! 

Management and Employees here were rude, disrespectful and at times extremely childish.

The management and employees here decided to call the police on me multiple times, for just trying to make my payment, all because they didnt want to sign a document proving that I provided them with my payment. 


This complaint is also directly against XXXX XXXX XXXX a Security Agent with Wells Fargo Bank Corporate Security. Due to her conduct and behavior as well as for setting up and placing a no contact order against me while I still had active business with Wells Fargo Bank!

This bank discriminated against me due to my XXXX, that I suffered while serving on XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX and this bank refused to work with me or come to a compromise in order for me to continue my business with Wells Fargo Bank which caused extreme undue hardship not only on myself but my family, relatives and close friends. 


This complaint is about the Wells Fargo Bank not any other department of Wells Fargo. The First complaint I filed was sent to the wrong department! This complaint must be sent to the WELLS FARGO BANK!

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 2022-12-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing 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 2022-12-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXXXXXX XXXX XXXX XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing 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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX did not send any notifications when a payment is due or past due. They went straight ahead and reported it to all credit bureaus for the 30 days past due without trying to contact me about the past dues in any forms of communications. I did make a full balance payment when I was able to log into my account a few days after the due date. I tried multiple attempts to work with the company ; however they refused to work on reporting to credit bureaus when I noticed and even lowered my credit line from {$7000.00} to {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CA

Complaint narrative:
I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was XXXX XXXX accurate. TransUnion XXXX and XXXX has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past XXXX days. 

I would like to know who did they talk to. 

How did they complete this investigation.

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 2022-12-07 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: CA

Complaint narrative:
I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was XXXX XXXX accurate. XXXX Equifax and XXXX has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past XXXX days. 

I would like to know who did they talk to. 

How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: HI

Complaint narrative:
My XXXX was called by Calvary Portfolio Services and was told I have a {$600.00} debt with XXXX. I do not have any debt with XXXX and there is nothing on my credit report that indicates I own them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
This complaint is towards XXXX XXXX XXXX of XXXX California billing department. 
I received my first billing statement for date of service on XX/XX/XXXX, in XX/XX/XXXX. My account balance at that time was {$6300.00} with no assigned due date, only states due upon receipt. I have made payments since then every month. They are as follows : XX/XX/XXXX : {$340.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$150.00} and most recent payment on XX/XX/XXXX : {$500.00}. Current balance is now {$5100.00} Today is XX/XX/XXXX and as im checking online to make a payment for this month, there is a message on the portal stating there is no open account under my information provided. I immediately call the billing department and i am told that my account was transferred to a different department an XXXX, i asked if it was a collection agency, agent proceeded to transfer my call. Im confused as to why I am in collections! I spoke to collection agent and she informed me my account had just been transferred to them as of today XX/XX/XXXX. I informed her that couldnt be correct so i hang up the phone and immediately call XXXX XXXX department back. I spoke to one agent by the name of XXXX and she explained that my account was indeed in collections. I was upset at the fact that i did not get notice as to why my account was transfer to this collection agency. She couldnt help me any further so i asked to speak to her supervisor by the name of XXXX. XXXX was not able to help me in this matter either so i got transferred to his manager XXXX. I was on the phone nearly 1 hour and a half with this company trying to understand why my account was sent to collections. Im giving the reason you didnt make a payment arrangement. That is not sufficient, specially when i have been making monthly payments! They refused to help me by taking my account. I informed them i was not aware i had to be in a payment arrangement in order for my account to be out of collections. I offered to make an additional payment of {$500.00} for the month of XXXX and to be placed on a payment arrangement as on XX/XX/XXXX. I was told this is out of our hands. Very unfair as i was never informed of this collection matter nor was i given a call to given a heads up. This was just received by the collections agency today and im trying my hardest to revoke this situation as soon as possible and be able to make payment to XXXX XXXX XXXX. I was not treated very kindly and felt like i was not being listened to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022. I tried to pay my Chase credit card payment using the Chase ATM outside the bank. However, When I insert the {$2200.00} cash to the ATM, it ate my money and gave me an error receipt. I called the number on the receipt immediately and the person on the phone said they will credited me the {$2200.00} balance to my credit card account while they investigate this error. XXXX months later, I noticed that they reversed the balance. I called them to ask why my payment was reversed and the person on the phone told me my claim was rejected because amount they found does not match {$2200.00} and there is nothing they can do to recover my money. 

I have attached the receipt the ATM gave me the the error happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: PA

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

Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: PA

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

Account XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I opened an account with Fortiva with a {$2000.00} credit limit and the very first bill I received already has {$4.00} of interest charged on the account. In addition, I am being reported to the credit reporting agencies as overlimit. 

This is a deceptive practice to charge a customer interest before they receive a bill and report this inaccurate information to the credit reporting agencies. 

I called Fortiva and they were unable to assist so I would like the interest removed and the credit reporting updated accurately in accordance with the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did some more looking into this debt that this debt collection agency says I owe and this is what I found.. Al; so, please see email below they sent me after i asked them for a debt validation document. 

The name of the company is XXXX XXXX XXXX. When you call and they answer the phone they refer to themselves as XXXX XXXX XXXX and claim they are an attorney 's office. 

Phone number : XXXX Supposed Creditor : Check and Go ( Payday Loan ) I spoke with them twice. 

XXXX XX/XX/XXXX - Spoke with a man by the name of XXXX XXXX who claimed they are a legal firm. He said I owed a balance of XXXX dollars on this check and go account. I asked how much the original debt was for and they guy slightly hesitated and told me XXXX dollars. He said i could settle it if I paid XXXX dollars plus a processing fee of XXXX dollars. They guy said they were going to have me serviced with court papers and that I could end up going to court and being sued. He also said he had my parent 's names. I asked him what my parents names were and he said I was wasting his time. This company has my address. 

XXXX XX/XX/XXXX - I called them and spoke with them again just to ensure I wasn't making a mistake and did owe the money. The first time I called I asked them what kind of company they were and they hung up on me. The second time I called I got some snarky lady. This time she said I owed XXXX dollars instead of the XXXX dollars I was quoted on XXXX XXXX XXXX by XXXX XXXX. She said the loan was issued in XX/XX/XXXX. She said I could settle the debt for XXXX dollars. She claimed they were a mediation group at a law office. I told her if I really owed it that I would pay it but first I need some type of documentation. That's when she sent me this email that I am forwarding to you. She told me if I needed the original document that I wouldn't be able to get a copy of it until we went to court. She also threatened me with serving me papers and taking me to court in XXXX XXXX, Texas. I am extremely alarmed because she knew social, date of birth, my address and make mention of my old bank account at XXXX XXXX XXXX whom I no longer bank with anymore and hadn't for a few years. She didn't say what my checking account number was. 

On XXXX XX/XX/XXXX I called the company they say I owe money to called Check and Go. Between customer service and their collections department three different people confirmed for me that I did not owe money to check and go. I wanted to check myself to see if owed them money and I would have paid it. This company didn't sound familiar when the debt collection agency told me who I owed. 

Their website addess is : XXXX address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Their email adress is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NJ

Complaint narrative:
I wrote a letter to Experian expressing that there were inaccurate accounts reporting to my consumer report. I express to Experian the collection account was reporting past due and a collection account is by default late and past due and ask them to reinvestigate these accounts, they mailed me my consumer report stated that the accounts was updated and meets the requirements of the FCRA. The last time I checked the FCRA requires the consumer report to be 100 % accurate. These accounts have no date of last activity, no last date of delinquency this information is supposed to be on the report. I ask for these accounts to be reinvestigated you obviously did not properly investigate these accounts, or you would have realized that these accounts were reporting inaccurate. I never gave consent to these entities to furnish any of my personal information I never got notice they were going to supply negative information to my consumer report. 
Experian is willing fully and knowingly reporting inaccurate information, reporting these inaccurate accounts are actual damage to me that can be proven cause by your actions of improper reinvestigation to these accounts below. 
1. Accounts Name : XXXX XXXX XXXX Account # : XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX Accounts # : 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