vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
CFPB Case # XXXX, XXXX, and XXXX were addressed by Wells Fargo through the attached correspondences XXXX These documents state that in XX/XX/2022, the bank attempted to refund my {$300.00} security deposit, but it was returned undelivered to my online bank account. I have not received any notifications, either through the Wells Fargo app or physical USPS mail, indicating their unsuccessful refund attempts from XX/XX/2022 to the present. 

Subsequently, after I filed a complaint, Wells Fargo conducted an investigation and discovered that my {$300.00} had not been received. They applied this amount to the existing balance of {$610.00}. According to Wells Fargo 's application process, when a security deposit is refunded, it should lead to a transition to a non-secured card with an increased credit limit. However, this transition did not occur in my case. 

Furthermore, upon reviewing the statements provided by Wells Fargo in response to the aforementioned claims, it became evident that my credit limit was initially set at {$300.00}. Only after I contacted Wells Fargo on XX/XX/2022, to request the closure of this account did the balance on the account begin to exceed the {$300.00} limit. Despite my request for the account to be closed, a {$40.00} late fee was assessed on XX/XX/XXXX, and this fee continued to be charged every month thereafter. As a result, there is now a total of {$280.00} in late fees on an account that should have been closed, with my security deposit applied. 

After applying my {$300.00} security deposit, Wells Fargo has reported a remaining balance of {$310.00} to all three credit bureaus without rectifying any of the erroneous fees that were imposed. Upon closer examination of the statements, I also observed that prior to XX/XX/2022, all late fees amounted to {$25.00}. However, following my conversation in XXXX, during which I requested the account 's closure, the late fee increased to {$40.00}. Notably, I never received any communication notifying me of this late fee increase. In addition to this, there are extra fees of {$57.00} being added to the late fees on this account, bringing the total to {$330.00}.

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 explanation
Consumer complaint received 2023-09-01 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: TN

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System {$100.00} I never took anything out with this company so they is a third party collection. It was taken off my credit and now its back on there.

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 2023-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX I purchased {$500.00} dollars in bitcoin on the cashapp app. 

Because I was going to have " XXXX '' on XXXX to invest it to make me money in bitcoin mining. 

I soon after sent her or him two separate bitcoin transfers of {$250.00} dollars and {$240.00} dollars in bitcoin to the Bitcoin address server XXXX XXXX few days later got the email invoice from XXXX asking me to pay an extraction fee of {$1600.00} to receive my profit. 

XXXX never told me about this. This wasn't the agreement I made with her or him. 

I thought this business proposition was real because there was video testimonials of other people on XXXXXXXX XXXX XXXXXXXX profile saying and demonstrating this was legit. 

I contacted the cashapp company about this. And asked for my {$490.00} dollars sent back to my cashapp account since I now know this is a scam. But the customer support agent named " XXXX '' on Cashapp told me. " Cash App is unable to reverse a bitcoin transaction once it is initiated. ' That doesn't seem right to me that Cashapp is just going to let this scammer, or these scammers steal from me, and continue to steal from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
In my request for investigation, I provided proof that the ombudsman stated that I do not owe the debt as described by the XXXX XXXX XXXX XXXX. The letter that I received from the lender does not address that issue. They simple repeat the information provided by the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MN

Complaint narrative:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX  credit card opened on or about XX/XX/XXXX 3 ) XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX Self Lender opened on or about XX/XX/XXXX 6 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX self lender opened XXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 4 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX opened on XX/XX/XXXX 7 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are XXXX fraudulently are listed below 1 ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX 2 ) XXXX XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ATM fails to dispense {$200.00}, charged to Amex Serve Account due to acknowledged Amex Serve system error. 

I am the multi-year primary American Express Serve Account Holder, my subaccount holder tried to withdraw {$200.00} from an ATM which responded, " unable to process at this time ''. But the {$200.00} was deducted from her account. 

I have spent over two hours on the phone with Serve support because they wouldn't speak to my subaccount holder, because while she verified all the information on her account, she couldn't read the three-digit code on the back of her card. I have paid {$20.00} for expedited replacement of that card. 

I have spoken twice with XXXX ( Supervisor XXXX ) - he took the replacement card order, transferred me to " Billing Disputes '' and when they wouldn't help, I was sent back to XXXX. 

XXXX in Billing disputes has raised a dispute which she says will take XXXX business days or longer. She also states this is a known Amex Serve system issue, but they will not make it right, and sent me back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: GA

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. 

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  has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-01 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: GA

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. 

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 XXXX XXXX Or list of inquiries 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 2023-09-01 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: GA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-09-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: GA

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-09-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Companys reported to my credit without permission thats fraud

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 2023-09-01 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: TX

Complaint narrative:
Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to 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 2023-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: TN

Complaint narrative:
I called US Bank several months before I suspected I would be having a seasonal hardship and asked them what my options were before we had any potential delinquency. 

They recommended that we utilize the XXXX loan modification. 
They instructed us to not make any mortgage payments for 6 months and then the XXXX loan modification would take over, we would receive a loan from the government and our home would be refinanced. 

They did not disclose that this would come at the cost of them reporting delinquency and an initiation to foreclosure. 

We sold our home in XXXX and have been renting. We just applied for a home loan and discovered all of this for the first time. I called USBank and asked them to remove those remarks. They would not. 

We can't get a loan and we are currently homeless as a result.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have a Bank of America Mastercard. Today, XX/XX/2023 our card was declined during a purchase for the 3rd time due to " fraud protection ''. The purchase was for approximately {$22.00} and, again, our card was declined due to potential fraudulent activity. We live in XXXX and shop for groceries across the XXXX XXXX XXXX XXXX. We routinely shop at this store. Today I answered the call immediately and authorized the charge. Over half an hour later Bank Of America had not yet reactivated our card. I just spent over 45 minutes with customer service who could not transfer me to a manager. They can not explain why this is happening. We can not buy our groceries if our card is declined. We are humiliated when the card is declined for no reason. I want to see my contract so that I can take appropriate legal action and they will not send it to 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 non-monetary relief
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
On XXXX  I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.

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 2023-09-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off 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 2023-09-01 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: EQUIFAX, INC.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation