vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a " bonus offer '' advertisement through physical mail several months ago, where it was stated that any new Wells Fargo checking customer would be eligible for a {$320.00} bonus if a checking account is opened with qualifying activities. As a result, I opened a checking account with Wells Fargo online on XX/XX/year> with a promotion code. ( I have attached the front and back images of the advertisement card along with this complaint for reference ) On XX/XX/year>, I called Wells Fargo 's customer service number in an attempt to follow up on the status of my " bonus offer '', but was informed that I didn't meet the eligibility requirement. I discussed my situation with a customer service representative, expressed my disagreement regarding the " ineligibility '', and requested to file a complaint escalation. 

On XX/XX/year>, an escalation representative ( XXXX XXXX XXXX called me and once again went over my situation with me in detail. At the end of the call, XXXX committed that he will respond with an investigation result within 10 business days. 

On XX/XX/year>, I received an email notifying me that after a review of the promotional offer requirements, it was determined that I didn't meet one of the requirements. More specifically, the advertisement has stated that Wells Fargo requiring " receiving a total of {$1000.00} or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening '', but unfortunately, the investigation result has shown that while I have made a bank-to-bank transfer on XX/XX/year> which meets both the timing and minimum amount requirements, the transfer itself wasn't considered a " qualifying electronic deposit '' because Wells Fargo 's interpretation of a " qualifying electronic deposit '' is actually a " deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and a direct deposit made through the ACH network, an instant payment processed through the real-time payment system or an electronic credit from third party service that facilitates payments to your debit card ''. 

With that, I still wholeheartedly disagree with the investigation result because I deeply believe that any regular customer would struggle in associating a " qualifying electronic deposit '' with a " direct deposit '' because the latter term typically carries a connotation of a recurring, periodic stream of incoming payments. Such confusing verbiage on an advertisement is misleading, and likely deemed deceptive from a consumer 's perspective.

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 2024-08-02 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: NY

Complaint narrative:
I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT : 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 explanation
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Wise is XXXX profiling money being sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Finance Subject : Dispute Regarding Lack of Response to Notice to XXXX XXXX XXXX Dear Driveway Finance, I hope this letter finds you well. I am writing to formally address a concerning issue regarding my auto loan account with Driveway Finance. Despite my efforts to communicate and resolve this matter, I have yet to receive any response from your team. 

Over the past XXXX months, I have sent several notices to XXXX  concerning the disputed aspects of my loan. Each notice detailed the specific issues I have encountered, along with the necessary documentation to support my claims. However, I have not received any acknowledgment or response from Driveway Finance regarding these notices. 

The lack of communication is not only frustrating but also creates further complications in addressing my concerns. As a valued customer, I believe it is essential for your organization to maintain open lines of communication and to respond promptly to disputes. 

I kindly request that you confirm receipt of this letter and provide a written response addressing my previous notices to XXXX  by XX/XX/year>. If I do not receive a satisfactory response, I may have no choice but to escalate this matter further. 

Thank you for your attention to this urgent issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
For the past XXXX to XXXX years Ive been receiving mail regarding a credit card in my name thats now being sent to the collections. Ive contacted XXXX about the issue, tried disputing this account off my credit report, but Im constantly receiving phone calls and mail regarding a debt thats now in with the collections. Today, I was denied for an application for a home due to a bill that I did not put in my name and Ive tried multiple times contacting XXXX to dispute this issue and I tried disputing this issue on my own as well. Im so overwhelmed, because this fraudulent activity is hurting my credit score and not allowing me to get approved for anything. Once again, I did not apply for anything and I need this issue to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: OH

Complaint narrative:
I recently visited my doctor for a XXXX XXXX that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX Payment status COLLECTION for XX/XX/2022. The payment status for XX/XX/2022 is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: AZ

Complaint narrative:
Dispute 1 : The charge-off of an obligation with Keybank is incorrect of {$27.00} is incorrect, this is paid off and its still appearing as an amount with the charge off acorrding 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports.15 USC 1692 g validation of debts. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately Dispute 2 : The charge-off of an obligation with is incorrect with XXXX XXXX XXXXXXXX XXXX {$280.00}. 15 USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. USC 1692 g validation of debts. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports. FCRA Section 605B. USC 6801 and USC 6802 you violated all the codes listed. Please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-02 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: FL

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NE

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NE

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reached out to XXXXPHILLIPS66 in regard to opting out of them sharing my personal information and they have not assisted me with a remedy to do so. They have been sharing my information to all three credit bureaus and it is hurting my score severely. On my report it is showing as a closed account that owed {$650.00}, and is preventing me from getting any new lines of credit. Also they have different last reported dates for all three credit bureaus.

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover, I am writing regarding the credit card application ending in XXXX I submitted electronically on XX/XX/XXXX, which I understand has been denied. I have communicated with you in the past in the CFPB complaint case # XXXX trying to resolve this issue amicably. Which, you were not willing to reconsider the application even after me explaining that I do not gift nor abandon securities of mine at any time. While I was waiting patiently for you to act in good faith by returning my deposit. As I was not informed of the specific deposit amount or the terms for its return at the time of application denial, I am formally requesting the immediate return of any deposit or securities held in relation to my application. 
Pursuant to the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ), and the Truth in Lending Act ( 15 USC 1601 et seq. ), I expect a prompt and full return of all funds associated with this application. Please provide detailed information on how these funds will be returned to me, including the total amount to be refunded. With documentation proving the amount is accurate and in full. Including any interest that you may have gained now from something that was not yours, possibly trying to unjustly enrich yourselves while I was patiently waiting for my deposit back. 
I would appreciate a response confirming the action you will take, and the timeline for the refund, within 10 business days upon receipt of this notice. If the refund is not processed within this timeframe, I will consider further actions, including but not limited to legal actions, filing a complaint with my states banking regulatory agency, FTC, etc. in which I am letting it be known in this notice that every day that goes by it is causing me XXXX XXXX, financial harm, and other harm as well as time and energy I can not get back. Furthermore, pursuant to Gramm-Leach-Bliley Act ( GBLA ) of 1999, please send me documentation on the steps you have taken to protect my private information. If you fail to do so please provide me a statement under penalty of perjury that you are not selling my personal information on secondary markets. 
Thank you in advance for your immediate attention to this matter. Im looking forward to your prompt response and the resolution of this issue. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2024-08-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
From XXXX I have been mislead by FREEDOM DEBT RELIEF. I still have not heard anything about my debt settlements and paid over {$20000.00}.

Company response to consumer: Closed with explanation