vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc
State: WA

Complaint narrative:
I was contacted at XXXX XXXX  while in Hawaii from XXXX XXXX regarding collecting debt for Hunter Warfield. I have repeatedly asked to stoped being harassed and to be removed from the call list. The call was from XXXX XXXX XXXX florida Hunter warfield XXXX XXXX XXXX XXXX XXXX XXXX  florda I am tired of being called at these hours and want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Yesterday PayPal notified me that someone had tri3ed to use a XXXX in my name which card I never had. The last XXXX numbers used were : XXXX I was not told the amount, vendor or date of the attempted transaction. 

I notified PayPal that it was fraudulent. 

I called XXXX and they directed me to the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Wells Fargo Bank. Fraudulent activity I reported on XX/XX/XXXX, XX/XX/XXXX was a holiday, over 30 transactions made to my checking account related to fraudulent activity on my debit card. All transactions were made over a period of 6 days ( XX/XX/XXXX - XX/XX/XXXX ), including a weekend and federal holiday, all the same company ( I never heard of ) and all for the same amount... .ding , ding , it should of been flagged. A total of XXXX transactions posted, each transaction was for {$38.00}, totaling {$530.00}. They opened a claim for ONE charge and kept adding overdraft fees. I had to keep calling them and complaining, they would remove the overdraft fees, but only open another claim for XXXX of the XXXX transactions. Called again on XX/XX/XXXX and again on XX/XX/XXXX, same complaint, different agent, had to start explaining ALL over again. One agent actually HUNG up on me! 
Basically, they made me wait until ALL the transactions POSTED, so they waited for someone to FINISH stealing my money for a credit to be issued and then said they would expedite a claim, but a credit would still take 7-10 days. Really?!? 
I hate this self righteous company, they are disgusting and should be shut down. I have been a customer since XXXX ( stupid me! ) and my husband since XXXX. We will be closing every account we have with them and tell everyone we know to avoid them like the plague. 
I also live in XXXX, WY, we have a branch that is never open, nobody wants to work there, so I had NO local branch to go to.

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 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, Transunion as well as XXXX to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and 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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The reason for my complaint is I have several AMEX cards, a combination of business and personal. Since I have been a cardholder with AMEX, I have an excellent payment history across the board with all the cards that I have with them. Secondly, I reached out to them requesting a credit limit increase on 3 personal credit cards only. AMEX sending information as if I was trying to purchase a home or apply for a mortgage. In regard to demanding documents if you were trying to buy a house vs a credit limit increase on a credit card. I have numerous other credit cards with major banks such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX etc. None of them ever requested documentation as if I was buying a home as AMEX did. Furthermore, as stated I wanted to inquiry about credit limit increases on American Express XXXX XXXX XXXX XXXX XXXX XXXX America Express Cash Preferred XXXX XXXX XXXX XXXX American Express Hilton Honors Surpass XXXX XXXX XXXX. Between these 3 credit cards I have a total credit limit of {$18000.00}. Why did AMEX send me a response as if I requested credit limit increases on business credit cards that I have with them. Which I did not. Moving forward, I know AMEX is a business/company and I have limited or little rights as a cardholder because they can change rules or policy on the fly. But this is totally ridiculous for them to act like I am applying for a mortgage vs a credit line increase on 2 cards with XXXX limits each and another with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This consumer reporting agency has intentionally locked me out of my consumer report. I am attempting to view my consumer report and not being allowed to access the report. I reached out to the the company and the agents were being rude, disrespectful, abusive and tried to charge me to access my own information. I am very frustrated, annoyed and confused as to why this consumer reporting agency conducts itself in such an inequitable manner. I am demanding that I receive my complete consumer report by mail and am allowed to access my consumer report online immediately as I have attempted a consumer credit transaction and was told that I had been denied due to adverse information contained in the consumer report from this consumer reporting agency. When

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 2023-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
I leant an older phone ( XXXX XXXX  ) to my cousin. All apps had been deleted. My cousin was able to download the apps again, including robinhood app, and access my account to execute 5 unauthorized purchases. I have filed a police report and been in contact witht he merchants as well as robinhood. They refuse to to accept responsibility that their app is not secure and that it allowed unauthorzed charges in my account. I was in Louisiana when these took place and the phone was in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: UPGRADE, INC.
State: GA

Complaint narrative:
The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2023-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC
State: OK

Complaint narrative:
This debt with Global Lending Services, 3rd party creditor, and original contractor XXXX XXXX XXXX in XXXX, Oklahoma. The original dealership sold my contract without proper disclosure. I had my car seized without proper cause. I tried to remedy and the " creditor '' stated they would contact me within 48 hours. Instead the car was reposted within 48 hours without notice. The tow truck driver pushed me, kicked the car door shut, drove away without allowing me to get personal essentials within the vehicle. Payment remittance was sent to pay any outstanding balances. The " creditor '' said sorry we did not get. I am a XXXX XXXX XXXX and the SOCIAL SECURITY NUMBER was demanded 5 times by phone on XX/XX/2023. My consumer statement supplies information to remedy their violations. {$2000.00} per violation. I am a traveler not a commercial driver. I also requested ARBITRATION under the Arbitration Clause but denied as per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I returned my leased KIA vehicle in XX/XX/2021 in late XXXX i received excise tax bill from Kia for full XXXX year but i only had car for 1 month i explained to kia finance that if they could get the adjusted to the correct amount and they stated they would handle that with there tax department and send me adjusted bill. they never sent me adjusted bill as they received the rebate for city of XXXX excise tax department in XXXX and wrote off account of XXXX in less than 60 days of talking to kia finance. I never have been late on any payments and they clearly tried to collect on wrong amount and never sent adjusted bill.

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 2023-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was on a forbearance and Im behind on my mortgage I cant afford to pay the total amount due Im not working Im only receiving unemployment for {$210.00} weekly my mortgages denied repayment plans and only offered me a short sale which I dont want

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to complaint XXXX XXXX XXXX XXXX XXXX. 

I bought this card on XX/XX/2023 at XXXX XXXX, in XXXX at XXXX XXXX XXXX with a value of XXXX dollars. I kept this card with me, and I never left XXXX. I tried to use this card on XX/XX/2023, and the transaction was declined. I called the Vanilla customer support number at XXXX and set up a dispute case number of XXXX. 

I found out that this was used twice on XX/XX/2023 out of XXXX. The first time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX with a transaction amount of {$350.00} and the second time was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with a transaction amount of {$150.00}. Therefore, I lost all my gift card value within XXXX hours from out of the state transactions even I kept card with me and never travelled out of XXXX 

It is understandable criminals can easily steal such information nowadays. However, this is impossible to understand how Vanilla handles and solves this problem. I called many times and every time I was put on hold for more than XXXX XXXX before someone answered phone. They always told me that they will contact me within XXXX to XXXX hours or XXXX XXXX In facts, they never contacted me despite my phone calls and emails. 

I simply want them to send me a new card with the same value that I paid but it seems they are using a delaying method to keep their mistakes. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I set up auto pay on my account. The account was paid in full, but they still took out the auto pay payment, even though there was no payment due.

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 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Sequium Asset Solutions sent me a collection letter, which I received on XXXX XXXX XXXX regarding an alleged {$1200.00} debt to XXXX XXXX. I've never had an account with XXXX XXXX, so the debt is fraudulent. On XXXX XXXX XXXX, I requested they provide me with the name and address of the original creditor ; rather than doing that, they responded with a phone number they asked me to call. When my lawyer called that number on XXXX XXXX XXXX, they refused to discuss the matter with her, and indicated they would only discuss it with me personally ; my lawyer indicated it sounded like an overseas call center. 

Sequium has reported this collection action to the credit reporting agencies, damaging my credit. They have failed to provide the name or address of the original creditor, or to prove I owe the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SinglePoint GI
State: NY

Complaint narrative:
XX/XX/2023 XXXX : {$500.00} They refused to remove the collection and also refused to disupute it unless {$1.00} payment was given from a debit or credit card

Company response to consumer: Closed with explanation