vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Sheffield Financial pass word reset did not work correctly i was directed to contact the institution. 
I have spent XXXX on XXXX different days to get this fixed. 
call centers are jammed However this is XXXX loan and they are charging extra interest. 

you would think for customer that held on for XXXX min and then had to abandon they would call back. 

I don't want to be charged XXXX extra days of interest because of their in ability to staff their call center or manage their technology.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lewis & Clark Capital LLC
State: CO

Complaint narrative:
FTL denied me credit after running my ssn. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

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 2023-02-03 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: VA

Complaint narrative:
pursuant to 15 usc 1681 ( a ) ( 2 ) I contacted the company and asked why was a initial investigation done before reporting my information, I never received a call letter or anything pertaining to my dealing with any of the information they have already reported which has caused adversity in my life.

pursuant to 15 usc 1681 ( a ) ( 4 ) They never exercised their grave responsibility with fairness and impartiality which show a no respect for my consumer rights to privacy and they knowingly broke the law by not follow the standards set by congress.

I also asked why are they still reporting accounts that has been closed. I have called and tried to get them to remove said account removed and they refused I talked to a worker named XXXX XXXX XXXX said '' they don't have to investigate before reporting they just go by what the creditor say and that is good enough, that goes against said code.

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 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
on XX/XX/2023, I deposited a cashier 's check for {$110000.00} ( a XXXX XXXX XXXX  check ) into my account in person at Wells Fargo in XXXX, Wyoming. While waiting to deposit, the teller called XXXX XXXX XXXX  to verify funds. The funds were verified, and she told me my funds would be available at XXXX XXXX on XX/XX/2023. Today, they've put a hold on the cashier 's check due to " potential fraud from the sending bank. I called XXXX XXXX XXXX  and they verified the check was valid and verified the funds. Wells Fargo is still holding my money until XX/XX/XXXX. 
I think this is a fraudulent action by Wells Fargo as they've verified the funds and now aren't releasing my money into my account. Isn't the point of a cashier 's check to guarantee funds? And why would it take 10 days to re-verify and research that the check isn't fraudulent?

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I tried paying off the balance with a 1099a and they closed due to unauthorized payment activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
So far I see 4 charges that were made to XXXX XXXX in California! I am in Texas and don't use XXXX XXXX! 
Dates are : XX/XX/23 {$75.00} XXXX/XXXX/23 {$58.00} XX/XX/23 {$380.00} XX/XX/23 {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.

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 2023-02-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which XXXX XXXX is in violation of 15 USC 1681e ( b ). 

I reached out to XXXX XXXX on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. XXXX XXXX removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, XXXX XXXX received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX XXXX XXXX charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that XXXX XXXX update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MI

Complaint narrative:
False information and without permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MI

Complaint narrative:
False information and without permissible 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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-03 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: Rent Recovery Solutions
State: GA

Complaint narrative:
On or between XX/XX/XXXX and XX/XX/XXXX the account ( Rent Recovery Solutions was deleted from my XXXX credit profile because it had inaccuracies and could not be verified. 

I recently revied my XXXX credit profile and notice that on XX/XX/XXXX { Rent Recoveries Solutions } has reported this account without a 5 day notice. { Rent Recoveries Solutions and XXXX } both have violated my consumer rights once again according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy witch states below that they are in violation.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Email reviewed claiming to be from PayPal and fraudulent charge. Email from an XXXX account though. Using copyrighted PayPal info to seem official with an XXXX number to call. They don't list my supposed account number anywhere and to my knowledge I don't have an active PayPal account. Clearly trying to deceive and gain access to my money. Pic attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My dentist office was supposed to do a " pre-qualification '' and instead submitted an application opening this account without my approval. I informed Comenity Bank on numerous " recorded '' calls. In addition, I had advised them not to close this account, since it was already on my credit report and I didn't want it to effect my XXXX XXXX, which Comenity fraudulently closed. I told Comenity they should get the money back from the dentist office who wrongfully opened this account. Most of the funds were returned back to the card after my continued dispute, with the exception of {$1500.00}. I informed Comenity that I would never pay for an account that I didn't approve to have open at the time the application was submitted by the dentist office. On XXXX of my calls, which I recorded, Comenity informed me that I had called to have this account closed, to which I had informed them I never called to have the account closed and that I now consider that to be fraudulent and it should be investigated and reopened since I didn't make that request. Comenity instead tried to have me log-in online and then transferred my call to the dentist office that wrongfully opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NJ

Complaint narrative:
Months ago, On XX/XX/2022, I pulled my credit report and noticed an account that I had never opened, I don't know the reason this account showing on my report, and I don't really know what step exactly to take to remove this mentioned account on this complaint, I did some research over the internet about how to remove the erroneous account on my report, So I decided to file a dispute on FTC Website to accelerate fixing this the issue, hoping for the positive feedback regarding this issue, Please remove this negative account from my Credit Report, it is ruining my XXXX XXXX, and as I said I don't really know the origination of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: WI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon, I am writing this note to dispute the finding of your Bank of America Manager XXXX who advised no refund is due to me. As a result of the trip scheduled for XX/XX/2022, being cancelled, XXXX XXXX advised that I was entitled to a refund for the taxes and gratuities of {$170.00} for which the monies would be credited back to my account and returned to the bank. Several attempts have been made to resolve this issue to no avail. Somehow, the bank is confusing the initial overpayment of {$200.00} returned to me back in XXXX. Due to duplicate billing by the third party vendor ( XXXX XXXX XXXX XXXX XXXX imposed a cancellation fee of {$200.00} for which they credited back to the bank and subsequently returned to me via a check by your bank. Several attempts have been made by me to resolve this issue to no avail. No one has contacted XXXX no one has contacted XXXX, to bring resolution to this matter.Clearly the bank is just reading data and coming to unfound conclusion and not contacting the vendor. Lastly, after contacting the bank three times for the correct email of XXXX XXXX the chief executive, the address was non existent ( XXXX ) Please review. I Thank you for review of this matter. 
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 2023-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX rescission of signature was recorded to public record in XXXX XXXX Arizona, XXXX # XXXX rescinding signatures on a Deed of Trust recorded XX/XX/XXXX XXXX # XXXX in XXXX XXXX, Arizona and removing the listed trustee 's, appointees, and beneficiary per Truth In Lending Act ( TILA ) 15 USC *1601 et.seq, and 12 CFR Part 226. 

Under this rescission the lender was required to cancel any security interest in the borrower 's property within 20 days. The lender acquiesced through non-response, affidavit of non-response recorded in XXXX XXXX, Arizona registry # XXXX. 

As of today, XX/XX/XXXXXXXX XXXX the lender, LOANDEPOT.COM, LLC has refused to respond or release any securities and is also pursuing foreclosure on the property in direct violation of the above. The required 20 days have passed and the lender has not complied with the rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Experian, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but Experian is not doing its job according to the law.

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 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a chime account when the card was issued they sent the wrong routing and account information with the card I called them to find my check and they had no idea where it was when it was found and sent back to the social security office I went to the social security office to get it and the sent it back to chime no chime is refusing to put my money in my account I just want my money my children need food and medication I called chime customer support and they were so rude XXXX and XXXX  they refused to let me speak to a person who was there manager in the company this was on XXXX/XXXX/223

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management Inc. has been attempting to take actions against me in the amount of {$7500.00}. It is showing on my credit report that the account was opened XX/XX/2020. The original account was opened with Capital XXXX. Someone took over my card, copied down the numbers and made multiple purchases and cash advances using the credit card. I tried to inform the original creditor, Capital XXXX, of this and they refused to reopen the account or remove the fraudulent charges, even after being notified of the fraud.I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief