vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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 act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: TX

Complaint narrative:
they say the took care of the problem please look at complaint number XXXX it say it was remove and not on my credit I just check and it still on 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
I have tried reaching out multiple times to XXXX and XXXX along with Convergent Outsource to get this situation fixed as they are reporting this account that I do not recall. Continues reporting inaccurate as this debt is not mine. XXXX stated over the phone that they couldnt do anything about this debt as it does not belong to them anymore. So I just kept trying to work it out with collection company nd bureaus. Reporting inaccurate date lest active. Reporting a balance of {$640.00} when account has been transferred. re-aging pushing back the data count should fall off. consecutive charge of as if it was some sort of payment method. I have asked for verification on debt any document that provides my signature stating debt belongs to me. 
I asked to provide a method of verification on and how and where they are getting information from because they continue to report incorrect. I have been answered with the statement bill on this account. this does not provide my signature and does not mean debt is mine. I have actually tried to offer a pay to delete on this debt not because I believe debt is mine. But, because I have tried multiple times to fix the situation. Account is hurting and holding me back from obtaining credit and I need it to get removed immediately. I offered a 60 % on the step as a settlement but I have not heard back on my offer.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. Over the weekend of XXXX/2022, My phone was stolen when I went to a party and my account was drained via multiple cash sending apps such as XXXX and XXXX XXXX. I called and disputed all of this, after 9 days I got a letter saying it was declined because I logged into the app on the XXXX and XXXX. This is because my money was taken on the XXXX. Wells Fargo has allowed someone to steal my money and is not returning it. I want this fixed, I have hired a lawyer and am now coming to you guys for help. Please help me get my money 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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX RE : Complaint against CitiBank and theft of funds Dated : XX/XX/2022 On XX/XX/2022, I went to see my father in law XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. I brought 2 envelopes that came into our mail box addressed to him I explained to XXXX that it was hard for me to pay the rent and bills on my own and that I was trying best to hold the apartment for him until he is stable to come home. I explained that my mom passed away last year and I can not afford to pay all the rents.these hardships caused me to go into debt. I asked XXXX if he could offset what was owed with his checks that he hasn't cashed in many years. he agreed and said he never wanted the burden on meXXXX is XXXX and has no movement in both his arms and hands. So I helped him endorse the checks to be deposited into my citi mobile deposit so I can pay the rent I immediately paid ( via mobile deposit ) XXXX rent which I was behind because I'm injured and work part time I then received my pay check the next day which together with XXXX 's check was supposed to be forwarded to XXXX 's rent. 

XXXX Bank froze my hard earned money I worked for and froze my XXXX father in laws check towards XXXX 's rentI am trying to have my father in law come back home to a stress free house and his rent paid in fullBut it appears that Citi has stolen our funds that we need to pay bills. Also, we pay the rent every month in which it is documented.There is no fraud My father in law endorse the check because of his XXXX and attempt to hold our only home we have. 

Wherefore, I hereby respectfully request you and your office to please contact Citi who refuses to be reasonable and return our funds so we can pay our rent and billsI 'm a struggling father of XXXX small children and my mom died and father in law is all I have I thank you in advance for your help and assistance regarding this serious matter before I get evicted Sincerely, XXXX XXXX and family cc : file

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 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Received an alert on my credit for this company, attempted to contact and they stated do not have my social on file, however, it is on my credit. I am not aware of this account and am a victim of theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received my monthly statement in XXXX, 2022 for XXXX transactions. Immediately I saw a transaction for XXXX dated XX/XX/2022 for {$300.00}. 

I proceeded to call XXXX and spoke to a lady, I advised her that I did not approve this charge and she advised me to call my credit card company. 

I called Capitol One and explained the situation and was advised " not to worry '', they would remove the charge and investigate. 

The charge was removed and placed back on my card in XXXX, 2022. I again called Capitol One and was advised that the last advisor processed it wrong and again " not to worry '', this will be removed and this time they cancelled my card and sent me a new one. 

This transaction was added again onto my credit card and I proceeded to call Capitol One and was advised that I had to pay with no explanation. I asked again to please produce the documents or calls that I approved this. The lady was very rude and placed me on hold and never came back. After waiting for an hour on hold I disconnected the call. I have never had a credit card company respond or treat me this way. This experience has taken so much of my time with zero results. 

I've asked several times to PLEASE send me the documents that I approved this, they can't because I did not approve this transaction. I am a business owner and this has been a nightmare. I would pay for something that I approved but this I did not. 

I also asked them if I should make a police report and they advised that it was not needed. 

Thank you for your time and consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried multiple times to have my credit pulled by regional finance but equifax is stopping them from pulling my credit to give me a loan. This has gone on for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MA

Complaint narrative:
XXXX, XXXX, and Transunion are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/XXXX I co-signed with my granddaughter on the lease of a XXXX XXXX XXXX. I was aske by the dealer, XXXX XXXX in XXXX, Az to co-sign with my granddaughter on the lease to get the best rate and payments. While applying in my granddaughters name for lease approval I only noted later that the dealer actually placed me as the lessee when the following issue arose. On XX/XX/XXXX my granddaughter took her vehicle to the local XXXX dealership XXXX of XXXX XXXX, NC. to work out payment arrangements on her car which we knew was considerably over the allowed mileage even after extended lease renewal. The salespersons at the dealership told my granddaughter they would take care of the lease turn-in and proceeded to sell her a new vehicle. They then reported her old vehicle as an abandoned leased vehicle somehow removing my granddaughter from the old lease and converting the lease to me as the leaseholder and coordinated the lease turn-in with Hyundai Motor Finance ( HMF ) /Hyundai Finance Company ( HFC )/ Hyundai Capital America ( HCA ) .With no contact with me the vehicle was processed by HMF/HFC/HCA with a value of {$6800.00} and I am told by HMF/HFC/HCA sold with a {$14000.00} balance due after penalties and fees . ( I could have and would have paid for the vehicle had I known it was being sold as it was worth {$6800.00} ). While HMF/HFC/HCA had been in contact with me the entirety of the lease term if there was any issue they indicated they couldnt contact me about the lease turn-in issue. They never bothered to simply ask my granddaughter how to contact me, neither the dealership nor the finance company. Or to just contact me with the email address they had been using for years. I found out about the whole process when I noted my credit score had dropped and could not figure out why. After several contacts with the HMF/HFC/HCA XXXX the dealer and finally two complaints with the XXXX I noted that HMF/HFC/HCA was reporting the issue as a leasing write-off and I dropped the active pursuit of resolution. I am now getting a new home mortgage and am being told that this reporting is having a negative effect on my credit score and thereby loan worthiness. Sure would appreciate your help with this issue. Thanks

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
From my very first contact I told the associate with Amerisave Mortgage Company XXXX XXXX that I had no Money for down payment or closing costs. The seller was giving me a {$9000.00} credit for those expenses because I am the current XXXX tenant @ the house l am looking to buy. XXXX told me he would be able to get the loan closed with just my XXXX income. I later gained employment through a XXXXXXXX XXXX XXXX company. XXXX then told me that he would not be able to use my XXXX income and that the deal would look better if we included my income from my job. This was in XXXX. A few weeks went by the loan was approved the disclosures were sent to me stating an outrageous closing cost of around {$14000.00}. They approved I got ahold of XXXX asking why the costs were so high. I told him I would be unable to come up with so much for closing costs. I reminded XXXX of what I told him with our first interaction. He said they couldn't use the seller credits. He said he could use the credits if I were at my job long enough. I asked how long that would be. He said 6 months. He then suggested that I pay the seller {$1500.00} a month for 3 months in earnest money. The additional 3 months would have me employed long enough to satisfy the need of 6 months @ job, and the earnest money paid would allow the seller credits to be applied. I asked XXXX what would be needed to close as far as Money, and stipulations. XXXX said he would need 1, my most recent pay check stub. XXXX then got ahold of the seller to explain the situation and attempt to get him to agree as he did. The earnest money was paid. So XXXX came around, It took about 2 weeks for XXXX to finally get in contact with me. I uploaded my paystub as requested. As time went on stipulations were given that were not given when I started the process, such as discharge paperwork for a XXXX  XXXX XXXX I had been involved in more than 7 years ago which is shown as discharged on my credit report, & reason for not working prior to my current employer, which I explained on their company site it was due to being diagnosed with XXXX XXXX XXXX  XXXX and that I had begun XXXX XXXX. It seems as soon as I disclosed my medical conditions there were problems with me not getting enough hours at work. This whole process took almost a year. & I have not gotten any denial paperwork.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
In previous case # XXXX US Bank Responded see attached. AS YOU WILL SEE XXXX XXXX senior customer service frivolous response not to mention a lye, my address is clearly right as well same they mailed checks to and statements his response clearly has no waiver and is wrong as council was secured this goes in the record and clearly shows from inter office correspondences that now not only discrimtory but he has taken this personal

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 2022-09-27 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: NY

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. The 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 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 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 2022-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX in response you guys sent mr letter stating i need to be more sprcific how can i be more specific then stating whats my problem is you guys keep giving me the run around 2 complaints filed with consumer dept sent to yous police report filed and you guys keep responding be more specific i want the inquirys you guys cant send me proof of deleted from my file

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 2022-09-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America fraud dispute claim XXXX for card number ending in XXXX On XX/XX/22 I received a call in the early evening from BOA asking whether or not I made a series of 5 transactions totaling {$8500.00}. Four transactions were made at one XXXX store and one transaction was made in another XXXX store. I replied that I did not make or authorize the purchases and I still had the card in my possession. The investigation by the bank concluded that I made the purchases since the purchases were made in person. I dispute this and have filed a police report with the XXXX precinct in 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