vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent money via XXXX using the Wells Fargo banking app on XXXX. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the XXXX app with the Wells Fargo app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to XXXX  XXXX is registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  digit off. I need help getting my money back and getting the token ids correctly listed. I have more detailed accounts on EVERY conversation with claims and the executive office within Wells Fargo since XXXXi would be more than happy to provide more information. Please advise

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 2023-12-05 00:00:00
Product: Credit reporting 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2023-12-05 00:00:00
Product: Credit reporting 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly examine the attached files and ensure that any personal information unrelated to me is removed.

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 2023-12-05 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I requested a credit " limit '' increase on several occasions and was denied each time. However, per American Express ' XX/XX/2023 XXXX filing with the Securities and Exchange Commission ( SEC ) , on page 55 section 5 : Asset Securitizations, it conspicuously states, 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account XXXX XXXX ( the Lending Trust ) and American Express XXXX XXXX XXXX ( the Charge Trust and together with the XXXX XXXX, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. 

Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. American Express is knowingly and willfully violating the Equal Credit Opportunity Act ( ECOA ) as well as the Consumer Credit Protection Act ( CCPA ). As an investor in American Express, I am due just compensation. I demand American Express to act in honor, and in good faith with clean hands. If American Express fails to do so, I will be forced to hold them liable to the full extent of the law and pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check through the mobile app on XX/XX/2023 in the amount of {$3800.00} it is a XXXX check. Chase is stating that the check was double deposited which it wasnt I still have possession of the check. Since I deposited the check chase has restricted my account not letting me access any money in my account for the last three weeks. I have spoke with about 15 different people all with different answers. I also went in to the branch and the branch manager didnt even understand any of whats going on. I have talked with the check issuer and they said the check was cash on XX/XX/XXXX and it is now XX/XX/XXXX and I still dont have access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a consumer I applied for an open end consumer credit plan, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was granted by said credit furnisher to use the said credit card on an open end consumer credit plan. XXXX XXXX has willfully violated federal law : 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Has not adopted reasonable procedures designed to ensure periodic statements were received via Postal mail. But yet are reporting every single month for the past 3 years of an alleged debt in default on an open end consumer credit plan. I XXXX XXXX and aggrieved consumer whose rights were violated and asking for immediate rectification.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

-- -- -TransUnion XXXX -- - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I contacted XXXX on XXXX and informed them there was an account XXXX XXXX XXXX  that does not belong to me on my report. It is affecting my personal life and needs to be removed asap. An operator by the name of XXXX who gave me a an ID number of XXXX told me it would be removed within XXXX hours. As a today XX/XX/23 it has not been removed.

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 2023-12-05 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go 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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to investigate these accounts that falsely report me as late, even though I am consistently on time.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take note of the attached documents. I want the bureau to commence an investigation into these accounts that inaccurately portray me as late.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I Recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 2023-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Someone stole an insurance refund check mailed to me and Chase Bank cashed it. The name on the back of the check was XXXX XXXX ( hard to read ) but clearly not my name XXXX XXXX which was on the front of the check. It took me months to convince XXXX that I had not cashed the check and I demanded a copy of the front and bank, that is how I figured out that someone had stolen the check and cashed it in XX/XX/2023. I filed a complaint with XXXX fraud department after getting the run around. I also filed a fraud complaint with Chase bank to this day I have never received a reply to my fraud with Chase. XXXX required I file a police report, which I did and alot of other hoops which I have done. XXXX is saying since they mailed the check it was out of their hands. I told them I have called Chase, filed a fraud with Chase and no reply. I finally was assigned someone at XXXX but every month they say their bank is working on it. Both XXXX and Chase have taken so long to take this seriously the detective said their was not anything XXXX can do it was up to the Chase. I called a contact I knew at Chase local branch and she suggested I call XXXX. I spoke to XXXX at Chase on XX/XX/2023 and she told to email XXXX XXXX XXXX, chase.com I have emailed several times and to this day have yet to receive a reply from Chase. The amount of the fraudulently cashed check was {$5000.00}. This has been over a year chasing down not only my refund from XXXX but then to find out it was mobile deposited by Chase in XX/XX/2023 and not receiving any reply from Chase is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion, XXXX and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that TransUnion, XXXX and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go 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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Our guest house burned down XX/XX/XXXX. We received an insurance payout which went to the mortgage company to be placed in a restricted escrow account. We decided recently to pay our mortgage off instead of rebuilding our guesthouse. Our restricted escrow balance was {$110000.00}. I paid the additional amount back to them that was required to bring the mortgage to fully paid on XX/XX/XXXX. I got a letter from the company on XX/XX/XXXX stating that my mortgage balance had fallen down below the amount being held in restricted escrow. 

Yesterday, XXXX, a monthly mortgage payment was taken from my account and this is XXXX time. They took money from my account that was not theirs at XXXX. They said that it would take XXXX to XXXX  days for them to give me my money back. I asked to speak with the supervisor, and they told me that they were too busy to speak with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX spoke with XXXX and requested account XXXX be closed. However, after speaking with XXXX, Truist again made duplicate charges to this account from account XXXX. XX/XX/XXXX spoke with XXXX and again requested this account be closed. Truist failed and/or refused to close the account and again made duplicate charges to this account from XXXX and charged me late fees, penalties, and interest. XX/XX/XXXX spoke with bank representative in person and asked for account to be closed, yet Truist again charged duplicate charges to XXXX. Since Truist continued to make duplicate charges on XXXX and charged late fees and penalties, and interest, on XX/XX/XXXX I closed all my accounts with Truist and asked that credit card XXXX be closed. Truist continued to charge BOTH accounts XXXX and XXXX. XX/XX/XXXX spoke with XXXX who agreed I do not owe money on these accounts but she claimed there was nothing she could do. On XX/XX/XXXX I sent a letter to Truist by certified mail, again requesting they close account XXXX and XXXX. However, Truist failed to do so and allowed charges to be made on these accounts. XX/XX/XXXX I sent another letter by certified mail asking for both accounts to be closed. Approximately XX/XX/XXXX received another invoice from Truist claiming owed additional charges, interest, penalties, late fees, as they refused to close both accounts and continued to charge both accounts and demanding that I be responsible. XX/XX/XXXX, received another invoice with additional charge that I did not expressly authorize and Truist again demanding late fee, penalties, and interest. I can provide copies of letters sent to Truist and invoices.

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