vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
I have been a customer with Wells Fargo on and off since 2012. Back in XXXX I got an email from reemployment assistance that my information was compromised in their system which included my name, dob, social and banking information. I went on my bank statements to check and see if there were any transactions that did not look correct. I noticed some cash app transactions and also XXXX payments to someone name " XXXX '' that I did not authorize. I then called Wells Fargo and thought I had disputed everything that I seen. I got the final judgment of my claim and all the debit card transactions where given back to me equaling also XXXX. I noticed that the XXXX transactions were not listed in the claim so I called and made a claim towards those. I waited 10 business days and contacted them and they told me my claim was denied because it seems to appear the transactions where made by me or someone I may know. That is insane that over 159 transactions were denied for no reason. My claim was equal to XXXX. This is unacceptable to just deny my claim for that amount of money like they do not even care.

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 2021-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I open several disputes with Experian in order for them to delete accounts that do not belong to me. 

I sent them all the supporting documentation proving that the accounts are not under my name and still they are reporting it. They finish their investigation and said that the information is accurate.

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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...

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 2021-11-09 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: TX

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern, On XX/XX/2021, I deposited {$1100.00} to my bank of America bank account. The machine stopped working during depositing money and the message appeared. It said there was an issue and {$300.00} was deposited to my account. Therefore my {$880.00} dollar was missing. Then I called the bank immediately. They made a claim. But the bank decided there was no problem with my transaction and refused to pay {$880.00} on XX/XX/2021.

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 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I invest in Crypto.com. 
I bought a coin named Loopring ( LRC ) The value of the coin moved up and to XXXX $ Then I decided to sell XXXX of my total coins. 
When I finish the transaction Crypto.com only paid for the transaction XXXX per coin. 
This is a big discrepancy. 
I contacted them, and show them a screenshot of their own chart. 
They say that what is shown in the charts is only for reference in their app. 
I also told them I double checked with other exchanges, and I use trading view at the time of the transaction. 
And all of these point out to the my expected price.

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 2021-11-09 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: FL

Complaint narrative:
I have had a Capital One Walmart Rewards Card for over a year. I pay off the entire balance each month. I have never once been late even 1 day or 1 hour. I have never had a payment returned for insufficient funds. I have been an excellent credit user. My Credit is excellent. But at certain times Capital One holds my payment for up to 10 Days ( even through they process my payment through my bank and it clears my bank and their institution ) thus not allowing me to purchase items at Walmart to obtain more Reward Points. This is illegal to do period. I now know in todays quick moving society that once a payment is made to any lender or lending institution that the longest it takes for it to clear the institution you made it to is 48 hours unless it is a holiday or weekend. Capital One Rewards Card thus is false advertising and trying to control the amount you can actually earn with their company, which is a breach of the contract between themselves and the consumer. Now when I call into their Customer Service Line they put me on hold after I explain the reason for the call ( a hold on my payment ) and I hold the line for over 20 minutes and always they disconnect the call. So I repeated this exercise of trying to resolve this issue today over 17 times and the same thing happens each time. I also record my calls with them, and they state the conversation can be recorded without my permission on their end, but if I record the call they hang up immediately. This is a sure sign of illegal processes being covered up internally, so I know Capital One Executives are well aware of their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/21 I filed a dispute with cashapp ( square inc. ) that included approximately 81 transactions totalling approximately {$4700.00}. There were 2 different sites that made several withdrawals each on my account, XXXX XXXX XXXX and the other was XXXX. I was informed when I filed the dispute that I would receive an update within 10 business days. I spoke with customer support through the app to find out if there were any updates on a couple of different days. This is the only way you can communicate with cashapp. I have asked for a phone number or email to someone that can help me however I get the same response from all reps, " your case has been escalated " which must not mean anything. Today is XX/XX/21 and XX/XX/21 was the 10th business day and still I have not received any updates from cashapp ( Square Inc. ) When I went to support in the app I received the same response as any other time. Its been escalated. I very much appreciate any help you can offer me. My family and myself desperately need our money returned asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX Ceo of PROFESSIONAL DEBT MEDIATION INC. sent out mailing stating that i owe a debt to him in which we have never contracted and not sure how he even has my information. This is in direct offense to my consumer rights and I am seeking remedy for such offenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I received a letter from Credit Corp Solutions on XX/XX/01. They are attempting to collect a debt on behalf of XXXX. Credit Corp phone number is XXXX. Their reference number is XXXX. They provided the last four digits of the XXXX account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called Credit Corp to inquire about this. I have never had a XXXX account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called XXXX and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both Credit Corp and XXXX clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Ally Auto is my lienholder for my vehicle. I totaled my cat in an accident. I am still waiting on the insurance to present payment, etc, but in the meantime I have been car shopping. I have been informed by a dealership that Ally Auto has reported me 30 days late on payments 6 times. I can only remember 1 time I was 30 days late. When I called to ask about it, they said that when they deferred my payments, the following payments were applied to interest, meaning I was 30 days late for 3 months. I am appalled that they can approve a deferment and then turn around and report late payments WHILE YOU ARE MAKING PAYMENTS because it was applied to interest! I made the payments, where it was applied should not be of issue. The dealer has also informed me that they have done this to many people. The Ally Auto representative said they are allowed to do this, but it is false reporting and a false representation. It is also affecting my ability to obtain another vehicle.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover violated my consumer rights. Case No : XXXX XXXX U.S. Code 1691 ( d ) ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. i was never sent the specific reason why i was denied access to my own credit. 

15 U.S. Code 1691 ( d ) ( 2 ) ( B ) ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification. I received a letter dated XX/XX/2021, this letter has no Adverse Action on it, nor was it within the 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has AGAIN placed this collection back on my credit report after it has been remove they have not been able to successfully validate this account and when they think Im not paying attention they placed it place on my credit and increase the balance

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

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 2021-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
A collection agency called FCO claims that i owe XXXX to a property by the name of XXXX XXXXs. I had provided them with a sworn affidavit, police report, proof of address at the time of the claim and as well as utility bills from the actual address that was residing at the time and they still continue to say that the account its mine by just providing me with a fraudulent lease. I also explained to them that Ive been the victim of identity theft and the fact they could see my actual lease and records from the address that I was leaving at during the time of the claim and still they refused to remove it from credit and they continue to harass me on a daily basis. I had provided evidence, spoken to them over the phone numerous times but nothing seems to be resolved.

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 2021-11-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored about my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causing me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit report shows a credit inquiry from XX/XX/2021 from SNYC/LOWES that I did not approve or initiate. When I spoke with the company using the phone number I was able to find they said they would remove the inquiry as I did not authorize it. It is still on my report- they told me it could take a few months - I have waited long enough and would like it removed.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
I have reach out to my credit card company and asked do they have a forgiveness program to remove the late payment off of my acouunt. Since the late payment they have increased my credit limit twice. They informed me that they could not do so. They stated that I had to contact the credit bureau. I also request to get copies of the statement for the four reporting late payment and what they sent only shows three per the statements. The dates that I have are XX/XX/XXXX past due fee of {$25.00}, XX/XX/XXXX past due fee of {$35.00}, XX/XX/XXXX past due fee of {$35.00}. I also paid that payment on the XXXX which is the due day but was unaware until recently that if its not paid but XXXX it marked as late. Which its still the XXXX and that's the due date. I have sent a letter to ask for forgiveness as well because if I was a customer that was not responsible they would of not increase my credit limit. I received a letter stated that they are unable to change their reporting. That they understand how important my credit is but they are still not willing to remove late payments.

Company response to consumer: Closed with explanation