vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2022 : received two emails from bank of America, first one asking to verify my email, and then directly afterwards that I was approved for the " XXXX XXXX XXXX XXXX XXXX XXXX '' Did not open/respond to either emails at the time, thinking it was someone phishing and I was at work. 
XX/XX/2022 : received an email from bank of America, saying my credit card was on the way with my correct address. Email looked legit so called bank of America the next day to close the account unable to get to the correct person at that time. 
XX/XX/2022 : Bank of America account closed, no charges made to the card.

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 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo has continued to charge huge amounts of interest to my credit card account making it impossible to keep up and which takes away significant amounts of my credit. I have tried to talk with them about it but the problem continues. 

My account was at the top of its credit limit and Wells Fargo just applied another amount of interest between three and four hundred dollars and are telling me to pay the over credit limit amount at once. 

The reason the account balance is so high to begin with is that Wells Fargo has neglected/mishandled thousands of dollars of disputed/unauthorized/or fraudulent charges to my credit card. I am due credit for these disputed incorrect unauthorized charges which would eliminate these large interest amounts. I have tried to communicate this with XXXX. and have asked for assistance of the Executive Office, but there is never any proper follow up or attempt to listen, review, and properly resolve the issues and properly credit these improper transactions. 

Interest rates have never decreased since i have had the account since XX/XX/2016 ( six years and eight months ). 

Wells Fargo has harmed my credit due to this large amount of debt showing on my credit card when they have not properly addressed and mishandled disputes. Then they add huge amounts of interest which only shows my debt to worsen. This debt is inflated and being improperly and/or falsely reported to the credit agencies, as I am disputing that this amount of debt is not owed.

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 2022-10-04 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: OK

Complaint narrative:
First Name : XXXX Last Name : XXXX Title : XXXX Retired Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : OK Zip : XXXX Telephone : XXXX Email : XXXX VA facility or office involved : Selling VA Financed home in XXXX XXXX and appraisal department of buyers bank won't follow the law concerning the solar electric system and battery backups into loan appraisal. I have showed them the new law and gave them contact with lead engineer at XXXX XXXX information verbal and email. Alleged legal or policy violation ( s ) or other misconduct : They are not following current law applied to my situation of including solar electric and battery backup system into loan appraisal amount from the appraisal department of buyers bank ( Bank Popular ). buyer is also seeking VA loan to purchase my property. They have been approached at least five times to fix the situation at their bank appraisal department. They finance homes and approve sales everyday with other persons that have solar systems into appraisal so why are they not applying law to me and my situation. 

Emails from XXXX XXXX : That document is completely obsolete. They have to update that information as soon as possible because that is completely incorrect. Look for Law 17 of the Public Energy Policy or call the nearest Net Metering office or the OGPe offices for them to send you all updates. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Please call our professional engineer XXXX XXXX at XXXX for further information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX Effect of the wrongdoing, such as dollars lost, delay produced, etc. : Cost me my contract amount with the buyer. {$440000.00} and the bank appraisal department accepts only {$370000.00} appraisal without solar electric/battery backup system figured into apparaisal.. All documents have been provided and solar system/battery backup have met all government rules, laws and regulations which have been provided to them by me and my realtor XXXX XXXX phone ( XXXX ) XXXX XXXX : XXXX I can provide the new law regulation document Date ( s ) when the event ( s ) occurred : XXXX XXXX Names of wrongdoers : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ext. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX for VA ) ( XXXX ) XXXX email : XXXX XXXX XXXX email : XXXX Names of victims : XXXX XXXX I am XXXX XXXX and can't ytake anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
Aargon Collection Agency in XXXX XXXX is pursuing me for a debt that is {$220.00}, placed with them by XXXX. We moved from XXXX  in XXXX and we paid our last electric bill. I have called XXXX and they claim we have a XXXX  dollar balance with them. 

Date opened is XX/XX/XXXX. We moved in XX/XX/XXXX and saw no bills from XXXX and we live in XXXX now. 

We have sent three letters to Aargon and I have disputed this with the Credit Bureaus, they claim disputed information is accurate. I have ask for debt validation and have not received it. 

This account needs to be closed, and this information needs to be removed as Aargon has not been following the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX POSTAL SERVICE The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : 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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: CO

Complaint narrative:
Square/Block Inc. - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Lender In XX/XX/2022- I was informed by Square ( payment processor ) that I had a UCC filed under my company. I did a quick search and noticed nothing was under my company through the XXXX of XXXX - Colorado. I also did a national search, not data. I sent multiple emails to Square in regard to the fraudulent UCC filing. Square would not recognize nor accept my evidence. I asked several times for them to provide the record number of the UCC filing. They did not and would not provide any information. The only information was to contact the lender XXXX XXXX- however, in doing so, they were not able to provide that information. 

After several months as I went back and forth with Square asking them to do the due diligence and research my company for UCC filings. They ( the XXXX XXXX  division ) refused to even respond with evidence of this. I was forced to reach out to the lender and work out a payment plan, in order for my funds to be accessible through Square. After 2-3 months of working hard, I was able to pay off the lender. I asked if they could provide me with the original filing of the UCC. I did research on the filing number .... WOW I said to my amazement the UCC was filed with the wrong business name. I mentioned many times to Square that there was not filing under my business name. 

This is classified under the XXXX code as " serious missleading ''. Not accurately checking the correct name of my organization is an egregious mistake and is punishable. 

I 100 % blame Square/Block inc. for not doing their part to accurately check/research the information provided, the customer agent were unprofessional and they could only escalte my issue, which took over 2 days to respond, so I havent ' bee responded to. In total, I lost over XXXX, not beign able to stock inventory, late payments of rent, in the process of eviction at my residence, lost of revenue at business and a drop in credit score b/c of late payment. I was not able to access any of my funds for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
My debt was XXXX because of XXXX fraudulent practices, which Navient Solutions LLC was well aware of. They passed the collection off to XXXX XXXX XXXX who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for verification, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: One Source Technology
State: VA

Complaint narrative:
there are several accidents that need to be removed because i was not at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

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 2022-10-04 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: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: ERC
State: MD

Complaint narrative:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America I noticed an inquiry on my credit report and the next day received a checking account statement for an account which I did not open.

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 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered a XXXX XXXX from an online company on XX/XX/22. I received a confirmation email confirming the price of {$87.00} with the correct description of the product. Several weeks later a received a tracking number that I never could get to work. Several weeks later I emailed to check the status and was told it was delivered. I filed a dispute with my credit card company explaining the problem and provided all the details. Meanwhile, I get notified that I had something at the Post Office that could not be delivered because there was {$4.00} postage due. I thought it might be the pool equipment so I went to the post office only to discover it was a small plastic mailer envelope with an XXXX warehouse return address. I didnt order the pool equipment part from XXXX and knew it would be in a large box so I paid the postage and opened the envelope to find a low quality pair of white socks. There was no packing slip. I emailed the merchant to see if the socks were sent by them. They asked for a picture of the label and content which I sent and they confirmed that it was an error on their part. At this point, I saw red flags and asked for a full refund. They offered 80 % and later 70 % to cover their costs for shipping! I paid the postage on those socks. Meanwhile, Capital One denied my dispute and told me to work with the company. Ive called Capital One 3 times and reopened the dispute 3 times and keep sending them all the information - photos, emails, website information, invoice and they keep denying stating that I didnt provide everything they asked for. The only think I didnt provide was a letter on company letterhead from a 3rd party stating that the item received could not be used on my pool. Of course a pair of socks can not be mounted to my pool equipment to turn salt water into chlorine and who would I get to write such an stupid statement? Id probably have to pay a pool company or plumbing company to do that and be out even more money. I have it in writing that the merchant admitted fault and would issue a credit. That should be enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I sold an item on XXXX to someone who wanted to pay by check as they claimed to be older and didn't use XXXX etc..The check I received was greater than the sale amount. Buyer claimed bank cut a check for wrong amount, and to XXXX her back the overage. Unfortunately, I did XXXX her back the overage amount, and the initial check was later canceled due to being fake. So I lost the money via a XXXX transfer. The money was sent to South State bank. The buyer also asked to send them my debit card info, as the bank ( south state ) needed that. She also kept asking I send her more money. Included is attachment of conversations via text and email.

Company response to consumer: Closed with explanation