vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX XXXX and Experian are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

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 2021-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, consumer, original creditor have found out that these accounts listed below have not been deleted off of my consumer report. There was no consent nor did anyone give permissible purpose for the accounts listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as my written instruction. Furthermore, as defined in 15 USC 1681a ( g ), please provide me with a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: VA

Complaint narrative:
I made numerous purchases using SEZZLE.COM, a buy now pay in four company. I have used them for over 18 months. I purchase items through them and then they charge my credit/debit card or checking account every two weeks until the item is paid for. 

In XX/XX/XXXX I became unable to pay my credit cards and Sezzle due to unforeseen circumstances. I notified them to stop billing my credit/debit cards and my checking account. They were notified in writing on : VIA EMAIL : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VIA XXXX : XX/XX/XXXX I will be glad to forward you a copy of each of these contacts. I have received 3 actual responses with one relevant, the one that says I am out of luck. 


With each of these notifications I asked for a complete invoice for everything I owed to be mailed or emailed to me. I also said as soon as I was straightened out I would contact them. They have either refused to acknowledge my communications, answered them with non relevant information, or basically say sorry we will do what we want. 

Since asking them over 4-5 times to stop trying to charge my cards/checking info they have attempted to bill these methods from 10 - 45 times per day. Two cards were canceled due to excessive declines, one sends me an email with each decline, and the other just locked my card. I am attaching a couple of the emails and will gladly forward more if you wish. These decline emails indicate decline because card not activated because the company canceled my card and issued a new one because of Sezzles activity. The new card can not be activated until Sezzle stops their attempts. I have also attached a screenshot of my inbox so you can see how Sezzle is Robo-Billing the cards after being told not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

Complaint narrative:
Trans Union XXXX and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong 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 explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX Equifax and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX and Experian are all placing in accurate information on my credit report from Accounts that are close and do not belong 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 explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to ask for your help. I discovered that my Wells Fargo account have been stolen from by others, a total of {$7400.00} on XX/XX/XXXX. It has been stolen a total of 3 times. 1 ) {$2500.00} was stolen on XX/XX/XXXX. ( 2 ) {$2400.00} was stolen on XX/XX/XXXX. ( 3 ) {$2500.00} was stolen on XX/XX/XXXX. At 10 pm on XX/XX/XXXX, I found that my account was missing {$7400.00}. I immediately called the number on the back of the Debit card ( XXXX ). The person who answered the call said : We will investigate and gave my claim number : XXXX. She said the investigation will end in 10 working days and 30 days compensation. 

The second day of the investigation, XX/XX/XXXX. A letter came from Wells Fargo saying we are not responsible, we will not compensate, our bank can not withdraw money without a Debit card and password. The letter 's claim number is wrong, the date is wrong, and we are not responsible for what happened. I went to three banks to collect evidence on XX/XX/XXXX. The manager did not know at all, zero investigation. And yet they sent a letter to me saying they investigated and are not responsible for this matter, this is wrong of them, and blatantly lied to me. 

I personally went to the three branches to tell the manager about the matter and asked to view the CCTV and the written signature. The manager staff answered, " We can't do it. The record and receipt can't be provided. ID is not required for withdrawals below {$2500.00}. '' As long as the card and password are correct, money can be withdrawn from any account. Is the business management reasonable? Is it legal? How can I recover from my loss? 

Every time we come to our bank to withdraw money for more than {$1500.00}, the staff asks me to show my ID, but this time they stole {$7400.00}, and there's nothing. This bank is irresponsible and shirking. What is the name and address of the superior department of the management bank? How to deal with this matter and recover from my loss? 

My Debit card is always safe kept in my cabinet, and there is absolutely no leakage to others. It just hangs on XXXX to collect rent, and the money within it was stolen. The day after the tenant 's rent was transferred to the account the amount was stolen. What is the reason for this? 

I have always believed that the bank is safe, so it takes a long time to check the account. Please guide me on how to solve this situation and recover this loss. 

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a Discover card decreased my current credit limit from the incorrect information that they received from XXXX XXXX which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a XXXX card decreased my current credit limit from the incorrect information that they received from Trans Union which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have dispute several account with XXXX and I submitted complaints regarding several creditors on my credit profile. Ive submitted documents such as police report and court documents. These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for XXXX and the companies listed to uploaded all supporting documents, regarding these debts listed on my credit profile. Otherwise, I would like to request a full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you, CFPB Complaint number with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00}

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX temp number ( XXXX ) XXXX XXXX XXXX number ( XXXX ) XXXX XXXX To Whom It May Concern : Last Friday, XX/XX/XXXX, I went into an XXXX XXXX XXXX XXXX XXXX XXXX near the XXXX XXXX XXXX XXXX, to purchase a Jet Pack, for reception on XXXX internet network. 

I was sold a package with a XXXX XXXX XXXX ( because my moto XXXX wouldnt work ) ; promised by XXXX XXXX XXXX, that the XX/XX/XXXX first payment would be less than {$200.00}. I agreed, and waited for my number ( XXXX ) XXXX XXXX, to be changed. He even wrote down his quote on my receipt, and then denied that he wrote it. 

The number was not transferred, and XXXX has avoided me ; he left about 3:00 PM. 
He texted me the next day, saying I had threatened him, because I had pointed out that he lied to me about the price, and failed to transfer the number. He told me it was out of his hands! 

I waited through Sunday, XX/XX/XXXX, when it was apparent the number wasnt going to change. Driving back to the store, I explained my predicament to XXXX XXXX XXXX ) XXXX XXXX. She tried to help, taking back the items purchased, and returning my old phone. I called the previous carrier ( XXXX XXXX ), but was told the number wasnt available. I spent hours on hold, trying to fix this, using XXXX phone. And hours on the road. 

Today is the fifth day I have been unreachable, because my number is not in service. No one at XXXX seems to be interested in this ; there is no commission to be had. I talked to XXXX who offered to put me on customer service hold again, at the store yesterday ; I declined. 

I would like to dispute the sale, as dishonest activation fees, and therefore void : Suntrust ( Truist ) disputes ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX - XXXX credit XXXX XXXX - XXXX credit XXXX - XXXX credit XXXX XXXX XXXX total owed Please help me restore my number, and retrieve my refund from XXXX! 

Thank you in advance for any help you may offer. 

Sincerely, XXXX XXXX XXXX : Any Interested 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 monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me 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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is in regard to a capitol one credit card From what I understand, there was a 21 % credit card open in XXXX in my name. Unfortunately, I can not confirm who opened the card, nor can I confirm the purchase was made. Capitol one tells me a charge was made at a gas station near my home in XXXX, Hawaii ( XXXX ). The purchase was for {$15.00} I made payments continually, on time. Capitol one raised the payments with some fort of hidden fee and continued to charge me late fees. Capitol One manipulated the situation and socially engineered me when I called in to get information on this card XXXX. Capitol one sent me a letter stating I have never been pate on a payment however the debt collection completely contradicted the letter and now they say I owe approximately {$1000.00}. 

Tried contest by : - created a complain with XXXX XXXX XXXX they did nothing - XXXX XXXX contested with a letter Now I am here hoping someone can help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Reported problem to XXXX, about credit card account INDIGO that went into collection but the collection agency doesnt appear on my credit report and I have paid amount owed to that collection agency. Called XXXX XXXX XXXX. The agreement between me and indigo credit card was I pay velocity collections and they would forward proof to XXXX as paid and to delete from my credit report. On XXXX and XXXX it was done right and it doesnt show on my credit report. So XXXX is my problem they just dont know what there doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There's two compliants I would like to submit in one. 

The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX  Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request. 
So, I left the lobby, not the premise. Logged into XXXX  wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why? 
It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it. 
Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control. 
In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people. 
Again, please have the online account fixed. 

Please close all duplicated accounts and ensure I receive my refund of {$97.00}. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Capital One QuickSilver credit card in XX/XX/2021 mainly because they offered {$200.00} cash back if I spent {$500.00} in 3 months. Also I thought it would be convenient since most of my banking is with Capital One. I spent more than {$500.00} in 3 months but was not given the {$200.00} cash back. When I inquired to the QuickSilver customer service, they said that they actually had 3 different QuickSilver credit cards and I was given one without the cashback feature. I was not informed of this. Also I have a credit score of over XXXX so I don't see why I was given an inferior card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2021 Checking account {$460.00} self service wire transfer out {$25.00} wire transfer fee XX/XX/2021 Savings account {$150.00} wire self service transfer out {$25.00} wire transfer fee PNC BANK XXXX XXXX XXXX  XXXX Bank account was hacked. Notified Bank immediately. Was told 10 days to have my money returned. Then told 45 to 90 days. Now told possibly never. I can not get any information about this case. Please respond ASAP. Already filed dispute with FDIC. Waiting on response. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OH

Complaint narrative:
I have had this card open for more than a year. Use it for my direct deposits from my employer and for all purchases. I recently returned 7 items back to XXXX and this company put hold on account. I tried to contact customer service and told nothing they could do. So now I can not access my money and company refuses to help. This is very poor as I should have access to my funds

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