vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
as of XX/XX/23 I was charged XXXX USD from XXXX XXXXXXXX XXXX XXXX XXXX ( Puerto Rico ) which is XXXX USD higher than what should the bill. As of XXXX I opened the dispute with Wells Fargo bank that emitted the credit card. ( dispute number XXXX ). They said since I don't have a receipt from the restaurant on hands they closed my dispute without resolving the issue. I asked for the investigation them to request the prove of the bill from the merchant but they denied it. So I believe they don't fulfill their fiduciary duty as a financial institution to protect my assets.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am requesting the deletion of account CAINE & WEINER XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to CAINE & WEINER, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. Remove this account from my credit report. 


Remove this account from my credit report due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc
State: FL

Complaint narrative:
This company called me multiple times 3 times a day and I asked to be removed and they never did and are still contacting me, if they contact me again i'm going to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-10-30 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
From XXXX my account had XXXX fraudulent ACH transactions. 
Wells Fargo refused to refund {$1700.00} on the fraudulent transactions that they paid out. From XXXX, Wells Fargo identified and blocked five fraudulent ACH transactions. On XX/XX/22 XXXX paid four fraudulent ACH transaction to XXXX XXXX, whom they had previously identifed and blocked repeatedly on XX/XX/22. At no time did WF communicate to me via text, email, letter or phone call that they had identified and blocked active fraud in my accounts. At no time did WF suggest closing an account they knew to be compromised. However, after refusing responsibility they wrote to me " Please note, when an account is compromised via ACH fraud, it is recommended to close the account and open a new one..

... WF repeatedly suggested I add " account and security alerts ''. No such options exist for deposit accounts. 
Wells Fargo denies any responsibility since I did not discover and report the fraud within 30 days of the event, despite the fact that they knew of multiple fraud attempts and made no effort to alert me.

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 2023-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Edfinancials has incorrect data on the student loans I owe and the historical payments I have made towards my loan. When I called Edfinancials, they originally tried to argue with me on the balance I owed until I pulled up my bank statements for the past XXXX  years reflecting the payments I have previously made. They also lied to me regarding their systems claiming they have two separate systems and when probed on information regarding those systems, they " apologized '' for the inaccurate information. 

I have XXXX access to my account history and Edfinancials has misrepresented my account balance. They refuse to disclose the payments I have previously made even though I have proof of all the payments I have made to date.

I called the company and they said it takes 41 days to provide the information on the historical payments ( I have XXXX access to this on their platform and they refuse to update this information ). I will not be making any payments to Edfinancials until they update their system and show an accurate balance of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I currently have 3 cards with Synchrony Bank. I have a Cares Credit, Mattress Firm and XXXX XXXX. 
It started with my XXXX XXXX XXXX, it was paid on auto paid on time every month. SB decided to randomly lower my credit limit even though the card were never used for anything else other than being paid. 
At the time I had 100 percent payment history across the board and no delinquency any where. The lower my limit right to the balance I was paying though a purchase special with equal monthly payments. 

Recently, I due to unforced events from employer not stopped paying me, emergency medical treatments as well as a passing in the family. I was forced to start missing payments due to hardship. I started to miss payments on my Cares Credit card as they add some significant amount of interest for medical expense charge. 

At random, they decide to close my Mattress Firm card which I have had zero missed payment and only 3 payments remaining on a purchase special. The card has been on auto pay since day one. The car also has never been used other than the initial purchase. 

The unethical practice of SB continues as they purposely left open the only card that is delinquent!!! They offer zero help in anything other than calling me and harassing me for a payment. A rep called and as I explained to her I have XXXX income as I am just about to start a new position with a company, I wont know when I would get paid or exactly how much and to please call me back in a few days. The rep purposely made me go through a hardship questionnaire when I " specified '' I have XXXX  income at this second and she then told me " sorry due to your lack of income you do not qualify for hardship ''. 

This bank is unethically finding ways to either lower your credit score or trying to burry you in so much interest you have zero way of getting out!! 

They have done " tricks ' on all three of my accounts. This kind of behavior is unethical and it should be stopped.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Earlier in XXXX I received a denial letter from JPM Credit Cards. I thought that was odd because I never applied. When I looked at my credit report, I see someone tried applying for a Chase Credit card 4 times. XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am not sure if that means someone tried that many times, or if that is XXXX and XXXX combined. Either way, I have never applied for a credit card from Chase ( JP Morgan ). I was told by XXXX to file this report before contacting JP Morgan and XXXX. Thankfully XXXX XXXX Credit Reports show how to get in contact with XXXX and XXXX. I am hoping this will come off of my report as I have worked EXTREMELY hard on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I, XXXX XXXX, am requesting the deletion of account PHOENIX FINANCIAL SERV XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to PHOENIX FINANCIAL SERV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I sent money to my nephew who is a XXXX citizen and resides in XXXX. First, he was asked to bring his residency papers and passport, which he did the following day. When he went with his residency papers, work permit, and XXXX passport, he could still not access the funds from the post office. When postal service workers in XXXX called XXXX, they were told that the system is not set up to accept a XXXX passport that had been renewed at the XXXX embassy in XXXX. He was told if his passport had been renewed in XXXX, he would have no problem receiving the funds. All this time, I was calling Moneygram here in the US and being told he could access the funds. He could not. Moneygram refuses to refund {$4.00} I paid in transaction fees. 

I then tried to send the funds via XXXX on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the XXXX system required that I log on to my bank account and that failed XXXX times when XXXX would redirect me to log in. However, I could log onto my account using a different browser. I called XXXX and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a XXXX problem. This had never happened before in over XXXX years. XXXX had never directed me to log into my account from their site. 
I ended up adding my debit card that is tied to the same bank account onto XXXX XXXX account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account without using the debt card, the same transaction would have cost {$4.00}. I complained to XXXX and they have done nothing and refused to refund the difference. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
Citi bank closed my account and I asked when will take me close check they reply after min 30 days however I need my money as soon as possible due to I have financial crisis and need it for emergency

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 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TN

Complaint narrative:
Greetings, I have collection agencies that I am not familiar with, contacting me demanding payment that I do not believe is accurate. I am writing you to make you aware of the dispute I have filed with them. I have attached it to have confirmation of proof. Please notate this matter as I may need to circle back around. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: LA

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. 

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 inructions 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 2023-10-30 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXXXXXX 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 2023-10-31 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: FL

Complaint narrative:
I have several inaccurate and inconsistencies on my credit report. TransUnion, XXXX, and XXXX have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX  and my credit report from TransUnion, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXX XXXX and acct XXXX XXXX, which are incorrect. I've never been late. 

TransUnion Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

XXXX Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several inaccurate and inconsistencies on my credit report. XXXX, XXXX, and Equifax have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from Equifax. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXX XXXX. and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

Equifax Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.

Company response to consumer: Closed with explanation