vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Between the dates of XXXX and XXXX I was charged numerous ( between XXXX and XXXX is my best estimate ) overdraft and NSF fees of XXXX dollars each by Wells Fargo bank. I never received any communication from them regarding the settlement, or any form of reparation regarding these fees. I tried at the time to recover these funds but only received a small number of refunds at the time of these charges. I was told, at the time, that they could not refund most of these due to company policy. This contributed to a financial crisis from which I am still trying to overcome. Their customer service members were, and continue to be, inconsiderate, unprofessional, unsympathetic, and condescending. I have been fearful of calling about the settlement due to an existing estate account that I have as the representative of my mother 's estate. I am confident that their institution owes me a considerable amount after becoming aware of their harmful tactics aimed at profit instead of the well being of their customers. I was told numerous times that they could do nothing to help me regarding this.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I signed a LIMITED POA that was specifically for ONLY to use to withdraw enough money out of account for a specific reason and it was specifically stipulated in the paperwork because I wrote it but when I got the copy from the bank that page was completely missing and he continues to represent me against my benefit or desire!

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
These inquiries on my credit report are fraudulent : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Please remove these fraudulent inquiries.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2023, I made a purchase from XXXX XXXX for herbal detox foot soak beads in the amount of {$23.00}. Upon arrival I found that the product was not as advertised by what appeared to be laundry pods not detox foot soak beads. 
This was reported to Synchrony Bank/PayPal Credit several times . 
Originally on the phone with representatives i was advised that I did not have to return the product as it was have cost me almost {$30.00}. I supplied information regarding other complaints about XXXX XXXX that is overseas and appears to take advantage of customers via PayPal and the challenges with returning bad merchandise. 
I was temporarily given a credit of {$23.00} that was later recharged back in XXXX. On XX/XX/2023 and spoke with a representative, XXXX, for about an hour. He stated to me that some companies had been doing that and that he would place a dispute again. 
He also filed a discrimination case because I was sent documents of delivery and no one observe the poor quality of the product and the fact that the merchant knew it would cost too much to return overseas. Because the product was still in my possession ( I threw it out because I feared what was really in these pods ). This is not what I was advised on the phone during the many calls.

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 2023-07-10 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: TX

Complaint narrative:
15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX Bank In reference to credit usage : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX Bank In reference to credit usage : 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am attending to add money to my Venmo balance to cover an outstanding charge however Venmo is advising that they are unable to take the funds due to an issue with my bank account and have since frozen my account. This has enabled me to not be able fund the account appropriately. I've contacted my financial institution ( XXXX XXXX  ) whom I have used at other merchants successfully and confirmed that there is no block on the account preventing the balance reload request from Venmo. Venmo then advised me to use a different account or an alternate debit card however they don't accept the debit card that I have to fund the account. Then they advised me to have a friend and/or someone I trust who has a Venmo account send money within Venmo to fund the account. This is also not possible. So they have rendered my account useless due to this. Venmo advises that I have an outstanding debt however they declined the transaction so the funds were returned and not sent to the original authorizer. So technically by process I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
[ NOT A DUPLICATE COMPLAINT ] I previously filed a complaint against Chase for failing to fulfill their mortgage guarantee program and received their response. But their response is not reflecting what happened. I sent in my response and reopen the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was involved in a car crash, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 5. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 6. Validate Account XXXX Account Number : XXXX Please ensure that all 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
According to 18 USC 241, 242, My rights are being violated. The third party collector has no jurisdiction to collect on a debt that has been XXXX. The request was sent for verification of signature but not received. Due process was not given, I was not properly served with notice to appear. It appears during this time, I was dealing with a sick mother, whom is now deceased. There is no contract that exist between my corporation XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank, which is working with PayPal, is stating that I have a line of credit that I did not ever open. I was first made aware of this line of credit when I got a letter from XXXX saying I had a negative action on my credit rating due to a missed payment. 

I successfully disputed the account with the 3 major credit agencies- XXXX, XXXX XXXX and XXXX XXXX However, PayPal/Synchrony still thinks I owe them money. I do not have access to this line of credit to either use or pay a bill, it is not accessible through my PayPal account and I have no idea how to access it. 

This account was also opened in early 2020 which corresponds to the time where my, as well as many other XXXX XXXX XXXX XXXXXXXX, identity was stolen and false unemployment claims were submitted.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been uptodate making payments to my XXXX XXXX card. 
They have not been sharing my monthly statements with me. I have been trying to make more than minimum payments to them but the balance doesn't decrease and they keep bringing up some unknown charges to me. 
The customer service us ride, they are not transparent in explanations. It's hard to get through them and when I question them, they are not able to give me answers and hang up

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 2023-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Auto Loan Inc.
State: FL

Complaint narrative:
Purchase vehicle In XXXX at the time a credit report was ran car was repoed XXXX and a balance was left after they sold car this company still continues to run my credit profile by submitting inquiries violating my consumer rights they indicated the can not provide me a document that theyre allowed to continue to run my credit unless I pay off my debt or set up a payment arrangement Ive asked them since XXXX to stop running my credit yet they still continue in XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states. no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXXXXXX XXXX  Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states. no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to Equifax, XXXX and XXXX on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT W/OUT COMPLETION. PLEASE HAVE ACCTS LISTED REMOVED FOR THE FOLLOWING VIOLATIONS OF CONSUMER CODES : 18 USC 1028A, AND VIOLATION OF 15 USC 1681 a4. You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. his is causing me emotional and financial stress as I am constantly denied and have to be punished in interest cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE TO OPEN THESE FRAUDULENT ACCOUNTS. I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THESE CREDIT REPORTING COMPANIES TO BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS AS I AM A VICIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion has dropped my sore over XXXX points twice in the last month. The first time, it was fixed but then they did it again and there is no explanation as to why it happened, they just dropped it. I can understand maybe XXXX but XXXX?????????? And no explanation as to why its 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 2023-07-10 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: NY

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 : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Companies reporting fraudulent information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation