vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
the company ( EXPERIAN ) NEVER provided PROOF of contacting the FURNISHERS nor did experian verify that the furnishers had a ( permissible purpose ) to obtain my consumer report. ( EXPERIAN ) violated several F.C.R.A GUIDELINES i recieved a letter which is attached stating that the furnishers did not always have to have written consent or permissible purose which violates 15 U.S.C. 1681b ive demanded ( EXPERIAN ) TO PRESENT THE DOCUMENTS THAT WERE USED TO VERIFY THESE HARD INQUIRIES, IN WHICH SEVERAL REPRESENTATIVES FOR ( EXPERIAN ) STATED THAT THEY DIDNT HAVE TO PRESENT THESE DOCUMENTS which is a violation of 15 U.S.C 1681n willfull non-compliance which ( EXPERIAN ) IS HELD CIVILLY LIABLE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Somebody opened a checking account at Wells Fargo XX/XX/2023 in my name without my consent.

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 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: OH

Complaint narrative:
XXXX XXXX {$2500.00}. I contacted XXXX and requested the for the original contract.Then I contacted XXXX XXXX XXXX they been telling me they will send me the original contract for the last XXXX months. Thank you

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 2024-01-08 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: AZ

Complaint narrative:
On XX/XX/2024, my Wells Fargo debit card was compromised and two fraudulent charges from XXXX were placed on it. One charge was {$140.00}, and the other was {$320.00}. The phone number attached to the charges was listed as XXXX. It appears to be a legitimate pay in XXXX company. However, I can not get through to a live person at their company to review the charges. 

I placed two disputes with my bank, Wells Fargo, but have not heard back yet.

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 2024-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Opt out letter sent to company revoking /rescinding any permission to report on my consumer report, letter sent on XX/XX/XXXX, it was received by them XX/XX/XXXX, gave them 10 days to comply and remove all entries on my credit report today XX/XX/XXXX is the XXXX day certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I deposited a XXXX check into Wells Fargo Bank via Mobil Deposit. The check was drawn on a checking account I have at XXXX. That checked was flagged by XXXX as having an irregular signature as I didnt sign my full name as is on the signature card and the check was for XXXX. 
When notified, I called both banks and was instructed by XXXX to write a new check using full signature. 
On XX/XX/XXXX, I deposited new check for XXXX into Wells Fargo. 
On XXXX, I received notification from Wells Fargo that my account had fallen below XXXX. 
On calling the XXXX #, I was told that they put a fraud alert on the check and it was being held until XX/XX/XXXX. I asked to speak to a manager, I was transferred but got no further when I explained that the check had cleared my XXXX bank according to online transaction on XX/XX/XXXX. I asked to speak to a higher level manager and was told I would have to wait 24-48 hours. I hung up and called XXXX who verified the check cleared my XXXX acct on XX/XX/XXXX. 
I called the Wells Fargo branch where I opened the account and was told I had to call the XXXX number. 
I want to know where my XXXX is as it is not available to me either from XXXX, where is was deducted on XX/XX/XXXX and not from Wells Fargo who presumably has the money but is not crediting my account.

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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
It is now the year of 2024 and Heights Finance maliciously continuous to damage my credit by reporting increased balance on my credit although it's a charged off account? They are very malicious and vindictive my credit was beginning to improve until they come in and target me and put me in economic harm they know I can not afford to pay them back that's why I work self employment now so they can not garnish me! They do everything to attack my credit and report balance increases on a charged off account they need investigated! I'm sick and tired of this to the point imma go with a protest banner to their XXXXXXXX XXXX XXXXXXXX that reads, SHAME ON HEIGHTS FINANCE! Do business elsewhere! Again a chargednoff account that was involved in litigation and there is a judgement in place should not still be reported to XXXX! For those who need to know who read this I took out a XXXX XXXX loan got into economic hardship as lost job I even paid for frivolous insurance to protect me if jobs lost and they refused to cover me although heights sold me a fake guarantee! Now I owe over XXXX XXXXXXXX look how much hwy robbery there attempt to get! Guess what heights I'm remaining self employed suckas lol ain't getting nothing but to continue to hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OK

Complaint narrative:
I set up an account with Square and as soon as I got my first deposit they deactivated my account froze my funds and wont answer any questions or call from my phone I have to use someone elses number not linked to my account. They will not give me a reason that they did this and refuse to allow me to speak to a manager or supervisor. When I finally get ahold of someone they just tell me they cant tell me anything and hang up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing a complaint against Wells Fargo Bank. I am a small business owner with my bank account open since XXXX. Since the account 's inception the address we wrote on file had a XXXX mailbox and there were no issues, we were paperless. We had close to {$200000.00} in daily balance for a while until we decided to invest most of the funds last Fall, thereby leaving a small balance of {$5000.00} to {$10000.00} in recent months. 
In recent weeks the bank had asked us to change the mailing address to a physical address, and we simply forgot to do it. Last Friday, XX/XX/XXXX when I login I was welcome with a screen that said {$0.00} balance, I was surprised! we had funds that came from customers the beginning of the year. When I clicked on the account activity I saw a note that said " Account closed due to non physical address ''. I immediately called the bank, I was told on the phone that they could not do anything and that we would receive a certified check in two weeks!!!! That is ridiculous, we have payments coming out of the account this week and we and Wells Fargo has caused a burden and an inconvenience causing us damages in late fees and unnecessary stress, we could sue them. I asked to escalate the issue and ask for an overnight check. It is unacceptable that they take so long to mail us our money. We can not do anything until we receive our funds and we have to delay payments to other creditors which is unacceptable. I demand that Wells Fargo rectify this situation and overnight us a check for the balance on the account and add funds related to damages caused to our business. 

Ps. The bank had always registered my personal mailing address and used it several occasions to mail important documents. Arbitrary closing of our account is not a good practice. They lost us as clients ... I had updated the address on the 5th but I was told the bank could not re-open or reverse the closing of the account... I do not believe it

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 2024-01-08 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: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TN

Complaint narrative:
On XXXX my daughter XXXX XXXX applied for XXXX XXXX loan but she completed the paperwork incorrectly so she redid the paperwork. XXXX  she applied she CANCELLED the loan request because she qualified for money ( grants, work-study, etc. that would not have to be repaid ) so she XXXX  again cancelled the loan request and they money was never used. So somehow XXXX shows we have XXXX loans ; XXXX was cancelled but the XXXX  shows a total of {$6400.00}. I have called XXXX  times and was told a " supervisor '' would call me but never did. Then they said I was not authorized to speak about the loan so my daughter called and authorized me to be a XXXX XXXX authorized to speak on her behalf. Again, I left numerous messages for a call back. 

The most important thing is that I spoke to the XXXX XXXX XXXX XXXX  company, provided XXXX  XXXX XXXX and they have NO RECORD from EdFinancial that we have XXXX  loans ( which I believe is correct ) so they told me to reach out to XXXX and XXXX which again I did. XXXX told me to tell XXXX that they NEVER submitted info to them that we have a loan. I've applied with XXXX stating that I'm permenantly XXXX and if I have a loan I'd like it forgiven. Again, XXXX won't return my calls and they say my first payment is due XXXX XXXX XXXX which is this week. I REALLY NEED HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
We have banked with NFCU for over 40 years. 
We have 2 credit cards with NFCU. 
I am trying to pay off the balance in full via their own website from an outside account. 
I am not allowed to pay off the balance in full on the website. 
NFCU says is because of ach rules and limits. 
They stated that I can pay it off in {$10000.00} increments over several days. 
When I attempt to set this up on their website, I am not allowed after XXXX attempts - because only {$30000.00} can be sent in 5 days. 
The conflict comes in that they benefit financially from keeping me from paying off my debt. 
If I want to pay it all off today, I will have to wire the funds to a NFCU savings or checking account, incurring a wire fee. 
So, the banks all make money and the consumer stays in debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I gave over 60 days notice of my intent to vacate my apartment by XX/XX/23. On or about XX/XX/23, I received the attached notice/invoice taped to my front door. This last billing invoice from my apartment management clearly shows that {$0.00} is owed for XX/XX/23 due to move out. 
I have never received any other invoice. I have never been contacted about owing additional money.

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 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I disputed a debt with National Credit Systems through the credit bureau for {$4000.00} which was opened back on XX/XX/18 due to the fact that I never signed or had any agreement with NCS nor was there any information provided that my information would be shared or sold to them for collection. I never gave consent to this written or verbally. I requested to see this information and none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I ACAT my assets from Public brokerage account to Robinhood. While the assets transfer has been completed and went succesfully. Robinfood has failed to provide in a timely manner, the cost basis of the assets transferred. I have contacted them multiple times and during those times, their customer service has always told me to either wait 15 days because it will be automatically transferred or contact Public to send Robinhood the cost basis, which I have done so, and I have a written proof from Public that they have re-send the cost basis to Robinhood. As of XX/XX/XXXX, the cost basis of the assets transferred has never been corrected nor provided. I would like to remind Robinhood in this complaint that under the amended Internal Revenue Code section 1012 ( see sections 1012 ( a ) ( d ) ) and section 6045 ( see section 6045 ( g ) ) and added new sections 6045A and 6045B that brokers are legally required to provide the correct cost basis which Robinhood has failed to do so. I would like to quote the section that is mentioned earlier " every broker that is required to file a return under section 6045 ( a ) from the sale of a covered security must include in the return the customers adjusted basis in the security and whether any gain or loss with respect to that security is long-term or short-term. '' In conclusion, Robinhood has been given more than enough time to correct the cost basis. Furthermore, the customer, has reached out to Robinhood multiple times and Robinhood has not done anything on their end to try and correct the cost basis. Robinhood is non compliance to the rule which should result in fines and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX defrauded {$15000.00} from me and did the same thing to many other people. He promised me a low risk investment with a high return every month. He stated I would get $ XXXX per month. He lied. I asked him for my money back and he refused to give it back. I filled a complaint with the FBI, FTC, SEC and asked Chase Bank to recover the funds back to my account. Chase Bank has not responded or take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
credit cards open on credit report, identity theft.

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 2024-01-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed another complaint with another absurd explanation that has nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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