vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: CA

Complaint narrative:
Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter.

They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, Transunion and XXXX have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.

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 2023-09-08 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: CA

Complaint narrative:
Under 15USC 1681 ( a-l ) Everything should fair and accurate, in a timely matter. 
They have refused to remove this erroneous mark on my report and are violation of my consumer rigths. 

During the COVID-! 9 pandemic the year XXXX  everything was locked down. 
During this time we were protected from negative reporting on my credit reports. 
XXXX, XXXX and EQUIFAx have violated might continually reporting late payment on my XXXX XXXX accounts. 

All these accounts have never been late, this was during during pandemic XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and along with inquiries with that I did not authorize but XXXX and other credit bureaus have refused to delete, these inquiries were during the times that my credit report was already under a fraud alert. My fraud alert was put on in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX I want these unauthorized and inaccurate info my report deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 furnish an 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 2023-09-08 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
We already did this, XXXX XXXX  total XXXX XX/XX/2022. I never oked these transactions. They have denied. me again and still have not sent me the emails. There are no emails, I did not ok anything. Asked them how they can keep from giving back the money, with no emails. They said it was your card. It was my card, that obviously got hacked..

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023

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 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XX/XX/XXXX  when I went into Wells Fargo branch XXXX XXXX XXXX, XXXX, FL XXXX branch to cash a check using me debit card for ID. She said " you closed the card ''. I never closed the card. Upon arriving home I called number on back of card. After being verified and an email sent with verification code I was told " the bank closed card for lack of use. '' Would have been very nice if I needed money while traveling. I asked for a new debit card and employee wanted to start all over again with verification information to issue card. I said to send me a new card in 7-10 business days or I'll close my accounts as a 28 year customer. No new debit card arrived. 

XXXX XX/XX/XXXX  went to Well Fargo branch located at XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. " No one working today. I can make an appointment for you at XXXX tomorrow. " XXXX XX/XX/XXXX  Went to a different Well Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to close five accounts. I was issued five cashiers checks. And, told to call XXXX to Close accounts. The checks are deposited in another financial less than an hour later. 

XXXX XX/XX/XXXX  called XXXX spent 30 minutes with two employees attempting to close already closed accounts. First was XXXX XXXX. Didn't make sense why I had to call to close an already closed account. XXXX XXXX   could only close four of five accounts. " No mobile number to send text message. '' I told second employee XXXX XXXX there never was a mobile number on account email me verification code. " I can't do that sir. I only lets me send to a mobile number. You can go to a Branch, try online if you still have access or write a letter. " On each account I had to listen to XXXX read text and acknowledge about closing account and my financial liability if account are used in the future. And, give a reason for closing each account. Poor customer service. 

Two of the closed accounts are interest bearing so I'll receive two more cashier checks in the amount of {$0.00} and {$0.00}. 

The last outstanding account be can't be closed because it has earned {$0.00} interest in past twenty-four hours. Now I must waste more time closing an account for grand total of {$0.00} today. 

The reason the accounts are being closed is because the bank closed a debit card without notification after closing in a separate letter sent via US mail to me the consumer, half truths of employees and poor customer service.

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 2023-09-08 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: AES/PHEAA
State: GA

Complaint narrative:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/, during a visit to Chase Bank 's XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was extended an offer for a Chase Private Client Checking account by Private Client Banker XXXX XXXX ( XXXX ID XXXX ). The promotion involved depositing a minimum of {$250000.00} into the account within 45 days and maintaining that balance for at least 90 days to receive a {$2000.00} bonus. 

Timeline and Actions : Initial Deposit : Made on XX/XX/, totaling {$250000.00}. This met the criteria of depositing the sum within 45 days of the offer. 
Follow-ups with Customer Service : Phone calls were made to Chase 's Private Client Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
An in-person branch visit was conducted on XX/XX/. 
Correspondence with Branch Manager and Private Banker : Phone call with Branch Manager XXXX XXXX on XX/XX/. 
Emails were sent to both XXXX XXXX and XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. 
Unfulfilled Promises and Issues : Unfulfilled Callbacks and Emails : Despite multiple assurances, including from XXXX XXXX, promised callbacks and emails were not received. 
Lack of Transparency and Delays : On XX/XX/XXXX, XXXX XXXX acknowledged that I am owed the {$2000.00} and mentioned that she filed a request with Chase corporate for the bonus to be issued. No progress has been made, nor has any correspondence been received to update me on the status. 
Unrealized Promised Actions : Despite promises from XXXX XXXX, I have not been assigned a new Private Client Banker, nor have I received any formal written follow-up. 
Claims : Unawarded Bonus : The {$2000.00} bonus remains unpaid despite fulfilling all the conditions outlined in the promotional offer. 
Interest Loss : Given the delay, I believe I am also entitled to interest on the {$2000.00} that should have been credited to my account. 
I consider the failure to honor the promotional offer and the subsequent lack of clear communication to be a breach of agreement. I expect immediate resolution, including awarding the promised {$2000.00} bonus as well as any interest accrued on that sum during the delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im not getting the right updates and information about my credit score activities, and alerts that I asked about credit wise Tell I downloaded XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: HI

Complaint narrative:
I have sent money through REMITLY for an instant transfer via gcash and was promised money will be available within XXXX, reference number : XXXX XXXX XXXX XXXX Transaction was done XX/XX/2023 but as of XX/XX/2023 @ XXXX, transaction is still pending. I have tried to reach out to them multiple times and have gotten the same answer currently in process, will take XXXX. They have also cancelled the transaction without my approval as of this morning when i followed up. 

I have attempted to talk to them multiple times but they have been very dismissive and rude. I hope this gets resolved soon. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this letter again to follow up with your company and let you know that your company is still violating the Fair credit reporting act and there is strict liability for data furnishers which means you will be held accountable whether you meant to do it or not. I mentioned in the previous letter that the reporting for every consumer reporting agency is inaccurate. The Fair Credit Reporting Act states that inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I do not have confidence in the banking system due to your company abusing me and I feel as though its because I am a minority. I need these accounts and inquires removed from my credit report immediately because your company it is ruining my life and should be held accountable for breaking statutory laws. I have a right to privacy under the FCRA and I feel abused and your company is ruining my reputation. You have thirty days to delete this account from my credit report or else I will see litigation and monetary relief for being non compliant and violating my consumer rights.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I disputed a charge of {$9.00} from my cellular carrier who frauded my credit card 2 times before I changed services to another provider once I was sure they committed the fraud using XXXX XXXX charges which I never used. They also interfered with my wireless service which Bank of America was fully aware of since they requested, I make out a police report as I did and uploaded the copy to them. 

Now I am set up with auto pay out of my checking account so I'm never late on a payment. This is the second time in XXXX that they are harassing myself for filing CFPG complaints. My business credit card ending in XXXX has a late fee of : XX/XX/2023 Hide additional information for activity type Fee {$39.00} LATE PAYMENT FEELATE PAYMENT FEE activity type Fee {$39.00} {$580.00} Transaction XXXXTransaction type : Fee These are harassment issues and Deceptive Practices of Bank Of America using my business credit 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 explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: TX

Complaint narrative:
Since spring 2023, I have received about two calls per day from United Check Recovery Bureau from various numbers. They will leave voicemails, but when I answer they either wont give information or will have dead air on the other line. They have started contacting my family members as well, which is illegal to my knowledge. The number they are using is not a recognized company number. My mom and I have both blocked the number, so now UCRB is threatening me via email to have the debt pulled back and legal action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit 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: DISCOVER BANK
State: MI

Complaint narrative:
The statements that are currently are an issue are as follows XX/XX/XXXX  {$500.00} XXXX {$1500.00} XXXX {$3000.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX  {$1000.00}. The actions I took were reporting IMMEDIATELY after receiving notification of these charges occurring. I have been battling an uphill battle proving my identity and trying to prevent these charges from occurring since losing my laptop on vacation while in XXXX. The laptop was stolen while I was snorkeling which contained ALL of mu information from bank statements pending job applications with my social security number card information etc and ever since, there were unauthorized logins to my XXXX  which has since been resolved my bank account, credit card accounts, email, XXXX  and the list goes on. Unfortunately, all of my passwords were the same along with the same email ( I have since most definitely learned my lesson and changed all of my passwords ) however, the charges started to roll in shortly after this. Even before getting back into the United States, my bank account was breached with wire transfers going to the XXXX Police and after a few card transfers XXXX had me switch my bank to a new bank account. The charges did not stop, loan applications were made in my name, even more charges kept happening and I was continuously putting out wild fire after wild fire until the beginning of XXXX. I had took my phone to a XXXX XXXX  employee and explained what was happening as it was a last resort and recommended by a very helpful woman from XXXX fraud department. The XXXX XXXX employee was able to find 2 files on my cell phone under the root storage file that ended in XXXX and XXXX which he stated are used by hackers to mirror my device onto an external device and control it via a separate electronic device. I work 12.5 hour shifts on a military base and am unable to be around my phone so this access would go unnoticed very easily. Ever since the XXXX XXXX employee did what he did, not a single unauthorized transaction has occurred on any of mu cards. The problem appears to have been fixed however, I am still taking precautionary measures and limiting the amount of use my cards receive on online purchases as well as locking the cards after each use. All other companies have resolved my fraud issues the only one who has not is Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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