vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, CA XXXX I purchased a Vanilla debit visa gift card and loaded {$190.00} onto the card. I paid a {$5.00} activation fee to do so. The total for the transaction was {$200.00} Later, upon opening the package ( which I had inspected closely before purchasing and had no obvious signs of tampering ) I inspected the card itself only to find that of the XXXX digits that should have been there, XXXX had been visibly and quite intentionally scrapped off. In addition to this, the magnetic strip had been scrapped from top to bottom.

When I called the customer service number and went through InComm Financial Services ' automated customer support menu I indicated by pressing appropriate numbers that I had a problem with my card and that it had been damaged. The automated voice replied something to the effect of " For this problem you must go to balance.vanillagift.com ''. The problem was when you go to that URL, it prompts you for the XXXX digits of your card -- which, if you don't have, you're out of luck. 

I finally ( through trying a different combination of inputs with the automated system ) was able to talk with someone named " XXXX '' who I could barely hear because his microphone was making awful ( and loud ) scratching noises. After XXXX minutes on the phone, I was finally able to give him my info. He said I would receive an email -- I haven't yet... 
The whole situation seems designed to make you give up. I think InComm Financial Services is intentionally ( through an inside job or otherwise ) cheating their customers out of funds which they know are often given as gifts and very rarely would anyone have the ability, the receipt, the know-how, or the patience to go through the steps to get their money back. It's the perfect crime, because the vast majority of victims will just give up -- thinking they have no recourse.

InComm Financial Services ought to be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XX/XX/XXXX, I received got a letter saying they close the account because is not consistent with our expectations for account usage and violates the capital one customer agreement, after being a customer for little over 7 years, I called since then till now and no response about the reason, they transfer me and told me several times they cant figure out why but they are not able to reopen account, spoke with fraud department supervisor about the account and say the reason looks like I added a new payment account to pay my capitAL one credit card and supposedly they were not sure if it was me, wish I is my new account from XXXX XXXX nothing wrong with that payment was processed and nobody from capital one say anything on that moment, they trow my credit score to ground doing this I got not reasonable reason and they told me we will call you for sure in les than 5 business day and its being 10 days since then and no calls at all,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
A lady called my father, my step-dad, my mother and told them they were an attorneys office and they were going to take legal action against me and persue criminal charges against me for a debt I owed to XXXX XXXX for an overdrafted closed account. I called her myself and told her not to contact me or my family ever again and to send any other communications to myself thru the mail to my address her in Texas and advised her that in texas we have different laws than where the account orginated in louisiana. This lady was exetremely rude and told me that they are based out of Texas and know the law and these laws and rights dont apply to me because the debit didnt orginatein Texas. SHe only went by XXXX XXXX and 2 others sent me an email in an attempt to close the debt. I did some digging and the account isnt even on my credit!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$94.00} XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX. XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$94.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1100.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I have a prepaid card with Skrill. Skrill sent me an email saying my account is " permanently closed, '' without an explanation as to why or, more importantly, how they will return the money I had on my prepaid card. I had over {$2700.00} on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: AR

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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I logged into Experion.com to check my credit score. Immediately the website reduced a pop up message that forced me to upgrade my account membership but told me it would update it with a {$0.00} charge though it forced me to provide my CC information to proceed to the website. 

Yesterday on XX/XX/year> I received a notification on my phone that experian charged my card {$29.00}. 

I immediately went on to their website to find out why and saw that I was charged for this same membership that I was forced to upgrade to in order to use the site to view my credit score which I do once a year that we have the rights to view. 

After searching on the website for 10 minutes I finally found where to cancel this. Remind you it only took 30 seconds when they forced me to upgrade by using a XXXX up ad on my mobile phone that would not allow me to go to the next page or do anything without upgrading first for {$0.00} cost to me. At least thats what the pop up ad showed me. 

After canceling I looked for how to email them to as for a refund and to notify them that I never want to be signed up for anything from them ever again and that I did not authorize them to charge me for anything and that I do not authorize them to charge me for anything else in the future. 

Today XXXX I received an email from experian that seems like a copy and paste generic email that did not discuss anything I sent to them and instead told me they can help by going to the same place on their website that I sent my first message to them about the fees. 

In other words they told me to do the same thing I had already done to get help. In essence they are attempting to push me into a circle of non existent support from them by sending an email to redirect me to the vary place I sent my first email to them from.

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 2024-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I went to look for a car to make payments on at the XXXX XXXX XXXX. My wife and I had picked the car out and had to sign the contract. Not only did they use predatory tactics in order to confuse and side-step us and every turn, just because it was our first time. The fact that we were first time buyers has to be the reason for this. They told us the payments would be {$730.00} a month for a 2020 XXXX XXXX, not worth that much AT ALL. I now have a repossession on my financial record because of the absolutely predatory and scummy practices every auto dealership uses, ESPECIALLY to first-time buyers. I want the repossession taken of my record as well as all my accounts with XXXX XXXX to be erased completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I send dispute letters around XXXX or XX/XX/year> asking for proof of debt owed and no proof was given.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I send dispute letters around XXXX or XX/XX/year> asking for proof of debt owed and no proof was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have enclosed a photo of my government issued ID, the FTC report, and a handwritten letter. See attached

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding my Wells Fargo XXXX Credit Card. I have been a Wells Fargo bank customer since XXXX. My XXXX Credit Card was suddenly closed in XXXX XXXX. 

For context, I am based out of XXXX XXXX. However, I had a family emergency in XXXX  XXXX Missouri and to travel there. I made 2 small purchases in XXXX  XXXX and suddenly one night I was notified via my XXXX XXXX that my 2 credit card accounts with Wells Fargo were closed simultaneously. 

I have a perfect on-time payment history with Wells Fargo Credit Cards . 

I had a case opened to look into why the XXXX  card was closed but the case manager said they could not legally disclose why the account was closed. They just said the account was 'high risk ' with no follow-up to a reason. 

I want to emphasize that this card had a {$20000.00} credit limit and not being disclosed or warned that my account was at 'risk ' is highly unethical as a business practice, especially for some common courtesy for a customer of over a decade. 

Another issue that I faced with this account was that in XXXX to XXXX, there were {$1300.00} that were supposed to be resolved in my favor. However, they took over 60 days to get back to me regarding g these disputes or instantly denied and closed them. For the disputes that took over 60 days to hear back, Wells Fargo would not let me reopen these disputes due to it being 'over their timeline '. I raised this issue to their executive office and the case manager was to no help and rather just protecting themselves with no regard for me as a Wells Fargo customer. Wells Fargo also aggressively called me on the phone and attempted to make me say certain words to instantly deny and close my disputes, which is highly unethical especially when the customer service purposely tried to misinterrupt my statements made. 

The following denied disputes are included below with merchant and amount : Merchant : XXXX 's XXXX XXXX Amount : {$32.00} Merchant : XXXX XXXX Amount : XXXX Merchant : XXXX XXXX  XXXX : Amount : {$44.00} Merchant : XXXX  Amount : {$31.00} Merchant : XXXX XXXX Amount : {$46.00} Merchant : XXXX Amount : {$130.00} Merchant : XXXX  Amount : {$33.00} Merchant : XXXX XXXX Amount : XXXX Merchant : XXXX XXXX XXXX Amount : {$27.00} Merchant : XXXX XXXX Amount : {$39.00} Merchant : XXXX XXXX XXXX  Amount : {$17.00} Merchant : XXXX XXXX Amount : {$12.00} Merchant : XXXX XXXX XXXX Amount : {$16.00} Merchant : XXXX XXXX XXXX Amount : {$350.00}

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 explanation
Consumer complaint received 2024-12-13 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: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, 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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.

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 2024-12-13 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint against American Express regarding a fraudulent charge of {$7300.00} on my Hilton card ending in XXXX. The charge appeared on XX/XX/year> from XXXX XXXX XXXX XXXX. I did not make this purchase, nor have I authorized anyone else to use my card for any transactions with this merchant. Additionally, I have not received any goods or services related to this charge. On XX/XX/year>, American Express closed its fraud investigation and reapplied the {$7300.00} charge to my account, despite my repeated assertions that the charge was unauthorized. I was provided with a callback number ( XXXX ), but when I called back multiple times on XX/XX/year>, the call went directly to voicemail, and I did not receive any assistance or resolution. I am requesting that American Express credit my account the amount of {$7300.00} to offset the fraudulent charge and correct this error. I have not authorized this charge in any way, and I have made every attempt to resolve this matter with American Express without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. Due to this, I request that all the following accounts and inquiries be blocked and deleted from my credit report, as they are the result of unauthorized actions. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allows for the removal of accounts affected by data breaches. 
Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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