vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: CA

Complaint narrative:
My wallet along with my way2go child support card were stolen on XX/XX/23. I filed a police report that same day and promptly cancelled all of my credit cards/debit cards. I received my new way2go card on XX/XX/23 but I am unable to activate it. I visited the website to activate it but my credentials such as my California child support participant id, social security number, and the 16 digit card number of the new card, can not be verified. I have to depleted my savings and I am still waiting for the police department to follow up on my police report. Until then, I am relying on the funds inside of my way2go card to provide for my children. I have been calling the customer service number which is ( XXXX ) XXXX to get a hold of someone who can help me verify my credentials but I am unable to speak with an agent nor is there an option to. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CA

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Date opened : XX/XX/2019 Balance : {$0.00}.

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 2023-02-14 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: IL

Complaint narrative:
See Attachments ; You have violated my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Transaction ID : XXXX This purchase was made with a company XXXX  therefore I was entitled to a PROVISIONAL CREDIT WITHIN 10 DAYS WHICH as you can see from the uploads they are wanting me to wait until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX. 
I went to make a payment on my credit card. I put in {$1200.00} and it told me I had {$1100.00} credit I thought that was strange so I got my money back out but they only gave me {$1100.00}. I stuck it in a second time and it said I had {$1100.00} credit I pulled the money out and it only was {$1100.00} so they ripped me off {$140.00} I did not want to hold up the line so I drove around the block and pulled behind the gentleman that was behind me. I looked up after I counted {$1100.00} and saw that he was yelling at the machine. I open my door and asked him if the machine had ripped him off and he said yes. I told him we should go into the bank and tell them but he said he was going to call the number on the ATM. I went into the bank and explained to them what happened and they made a payment on my credit card for {$1100.00} because that was all the money I had. 
After I made my payment, I talked to another bank employee and he told me that the ATM had been ripping people off all day and I was asked why didnt the bank put a sign on it and all they did was laugh about it. The bank XXXX had told me to call the number on the ATM which I have called six times they give me the run around and tell me its going to take me up to two billing cycles to get my money back which from what I understand it should have taken care of it within 10 days or less. I keep getting the runaround I just want my {$140.00} put on my credit card. 
The ATM ID Number is 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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
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 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 2023-02-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
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 explanation
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
I am interested in disputing all incorrect information only credit report with Equifax. please remove all data listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/2023 I was contacted by a phone number that, when researched, appeared to be connected with XXXX  XXXX XXXX. The " agent '' told me that an account was opened in my name and a check was deposited and two XXXX payments were made. Once I confirmed all events were not authorized by me, they said I was the victim of fraud and issued me a claim number and transferred me to XXXX customer service. XXXX told me I needed to send the " code '' XXXX to the XXXX Cancellation Dept email address. When I did not get a confirmation code from Ally, as they instructed would be necessary, they called back the following day ( XX/XX/2023 ) with a " supervisor '' and had me send " code XXXX '' to " XXXX XXXX. '' All these codes were ultimately payments, one for {$5000.00} and the following for {$1900.00}, totaling {$6900.00}. Ally proceeded to lock my XXXX account. The so-called XXXX customer service agent instructed me to call Ally to have my XXXX account unlocked, Ally informed me I was the victim of fraud and froze my account for one week. 

My account was unlocked on XX/XX/2023. Since then, Ally 's Fraud Investigators have not contacted me after multiple requests to speak to them directly. The fraud analyst says that I can not be refunded by Ally and that XXXX XXXX XXXX is responsible, though I do not have an account with them.

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 2023-02-14 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:
Wells fargo national assciosation bank and all other corperations wells fargo has due to XXXX XXXX XXXX  and wells fargo trust fund in my name with land ownership and oil mineral rights and credit owner of interest office of the comptroller of currency in XXXX texas is asking for account number never recieved from XXXX XXXX police dept which has case of XXXX XXXX XXXX XXXX twice now is XXXX like XXXX XXXX into wells fargo acvcount in XXXX that reason parents were XXXX  and wanted to giuve me life sentence in XXXX and premeditated XXXX  and piosening started and still havnt recieved my product due to virus clogging up pours and need to do ask i stated with product from efedrin machine and XXXX  doctor home and house next door should been creating cure and zapping serpints in controlled substance to have virus hopefully stay water till recieve capsule might take one year to recieve its the clear substance needed not the extraction of siemen but the leakage of precum that strongest with body high not medical marijauna piosen kills children annerism and high courts ruled on this case already so what problem a police XXXX advised a poterntal women who never used such enhancement of XXXX driven stanima for at least XXXX to XXXX hours a day shalin seagal can break records i believe since i know her and wouldnt set up she be paid in full by XXXX and my signature stamp agreement forinsic should of been here if possesd long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 am interested in disputing all incorrect information on my credit report with experian. delete all invalid data asap that is hindering my file.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Received monthly XXXX XXXX bill on XX/XX/XXXX for {$42.00}. Mailed payment on day received, XX/XX/XXXX. 
XXXX bill showed payment received on XXXX and stated due date was XX/XX/XXXX. I called around XX/XX/XXXX when I received monthly bill for a {$30.00} late fee. I told CSR that I had cut up the card and had mailed payment on the day it was received. I told them I couldn't understand why it took 13 days to process my payment. CSR said they would close the account and remove the {$30.00} late fee. 
Today, XX/XX/XXXX, I received a bill for {$60.00} for two consecutive late fees. I immediately called XXXX. XXXX and they said they could not do anything about it over the phone and it had to be reviewed by someone. I told the CSR that I was told in XXXX that the CSR said she was removing the {$30.00} late fee. I never carry a balance on this card and pay the balance every month. She said none of that matter and it was a system process that she had no control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX Ca XXXX Check amount {$1100.00} was deposited into my Visa Card XX/XX/XXXX. This money was taken out of my checking account on XX/XX/XXXX. Wells Fargo Bank said " It was a returned check. '' Wells Fargo bank has tried to cash this check twice. Dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  cashed the first check and denied the second check. Wells Fargo owes me back to my checking account {$1100.00} back to my account. The XXXX XXXX tried to help me and the bank is giving them the run around. The XXXX XXXX told me to get in touch with you. My case number with the XXXX XXXX XXXX  is # XXXX. I also went in person and showed proof to the bank that they took my money out of my account without putting it back. I have made several phone calls to the bank.

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 2023-02-15 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} has violated my rights. 

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. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-02-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I turned all information the credit card company has requested to resolve the dispute for 2 {$100.00} charges. This company still refuses to take the charges off my card. I even showed them another recept where the charge was placed on a different credit card the same day not 1 minute later because the vendor could not get their receipt to show the amount on it. They are refusing to refund my money. Then vendor is XXXX and does not speak English and does not know how to refund money. I only had a pedicure and a manicure done for 1 person. It does not cost 3 {$100.00} dollar charges at the same business on 2 charge cards in the same day.

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 2023-02-14 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. delete all invalid data asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX I went into a local bank of America financial institution and withdrew money from my checking account which was given in the form of 3 checks. I have a customer withdrawal images from that transaction with a total charge of {$110000.00} and a list of the three check numbers whose combined total was to equal the total charge. I realized I was missing money from m to account and reviewed my documents and matched check amounts to the 3 check numbers which totaled {$81000.00} not the {$110000.00} my account was charged. Financial institutions confirm the records show the bank error but claim they can not file dispute s and instructed me to call customer service. Customer service has had me file claims in every dept from fraud to risk Management all of which at the end of 60 days are denied with reason being filed with wrong dept. Today bank of America customer told me to go in to a financial institution to file a dispute because it was bank teller error. I drive two hours to the nearest location where I was told they do not file disputes. It is now XX/XX/XXXXXXXX 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 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I unfortunately fell for a scam call and used XXXX in three debit transactions total in {$2500.00}. The three transactions were sent to three different accounts that I never had transactions before while there is no warning or limit appeared. I realized the call was a scam in the midway and call Citibank right away, but was told nothing they can do, not even helping me to stop payment within short time after the transactions. 

I made a fraud claim to Citibank few hours later and provided details of the scam call as well as mentioned that I have filled the case in police station. On XX/XX/XXXX, I received a letter from the bank saying that it was unable to reimburse me and I called the fraud line to follow up. I was told that there was not enough supporting so I was asked to fax in the police report via its branch. I did that but on XX/XX/XXXX, I received a letter from Citibank asking me to solve the problem with the merchant instead. I called again to explain that this was a scam not something with merchant and I also re-emphasized the police report I fax in. On XX/XX/XXXX, I received a letter denying my claim again. 

I made call again to initiate dispute and in the multiple communications, I was asked to email and mail in the supporting documents, which I did both actions. I also requested the copies of the information used in the investigation for three times since XXXX but never receive anything. 

On XX/XX/XXXX I received another letter saying denying my claim. 

I really appreciate any help for me to communicate with the bank to make my case as this is obvious a scam. I dont feel the protection in my banking relationship and dont think there is enough respect to customer as the only sentence the bank kept sending is we maintain our position to deny your claim. More importantly, I believe I am entitled by law to obtain the information used in investigations. But there is not transparency and respect on this specific piece of law.

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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: KY

Complaint narrative:
I keep having calls regarding a debt owed to Harley Davidson. No one at my number has any dealings with the company calling. I've told them to stop, and they continue to call and hang up now that I don't answer the phone.

Company response to consumer: Closed with explanation