vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: SC

Complaint narrative:
On XX/XX/XXXX, I received a text message from Wells Fargo asking me to confirm a transaction made for {$420.00} at a XXXX in CA. I replied XXXX as instructed as it was not me making this transaction. This was followed by another text message saying that a representative would call me shortly. I immediately received a call from XXXX, I XXXX the number immediately and saw it was Wells Fargos number. My XXXX XXXX XXXX had just gotten sick all over and I was in the process of cleaning this up as well as trying to get out the door to pick up my other daughter. The individual on the phone was a young man with an American accent. He already had a lot of my information and asked me a series on questions to confirm, he informed me that someone in California was currently hacking my account. He had me change my password and once I logged in a wire transfer was being processed for all of my money, {$4000.00}. He said he was able to stop it and it would be back in my checking account within XXXX minutes. Immediately following the end of our call ( within XXXX minutes ) I called Wells Fargo and asked to be transferred to their fraud department and realized it was a scam. The wire transaction was still pending when I reported the claim. I hadnt heard anything regarding the status so I called back in on Monday, XX/XX/XXXX, where I was told that my claim was denied as by the time WF reached out to the receiving bank ( XXXX XXXX ) the funds were no longer available. They informed me that WF has a XXXX business day investigation window to attempt to receive the funds. Of course the funds were no longer available toward the end of the XXXX business days as it was a scam and the scammer would have moved the money right away. I asked to speak with a manager and was transferred to the escalation team, I again asked to speak with a manager and was told they put in a request for a callback and I should hear from a manager within XXXX business days. On XX/XX/XXXX I went into the closest Wells Fargo branch and sat down with a representative and explained the situation. They then called the fraud department on my behalf and was transferred to the escalation department and then another request was submitted to speak to a manager. I have yet to receive a call and today is XX/XX/XXXX. Ive been a Wells Fargo customer since XXXX and it is just mind blowing the lack of respect and urgency in such a situation. Im submitting this complaint to highlight their negligence in this instance, hyper focusing on their lack of security, lack of urgency / slow resolution times and lack of support in fraud disputes.

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 2023-06-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am confused on late payment accounts that are reporting on my credit report. Incorrect report is being reflected and is making my score go down. Several late payment marks even though they are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After multiple attempts of me asking Experian to investigate this account for inaccuracies and violations they're still reporting this account as accurate and no violations reporting. As of today I still see different information reporting throughout all 3 credit reporting agencies. This is a violation pursuant 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report, in which Experian must provide the same information as the XXXX and XXXX. How can all XXXX credit reporting agencies report different information on the same account? I'm aware that I have the right to opt out from this information being reported to any non-affiliated third party in which I was never giving that option nor was I ever explained how I could do so. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( b ) Opt out, I would like to opt out from this information being reported to Experian. Because this account is under multiple violations and report multiple inaccuracies, I ask that you remove this account from my consumer report pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 5 ) Treatment of inaccurate or unverifiable information.

Violations reporting : 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 15 U.S. Code 1681 - Congressional findings and statement of purpose, Section ( b ) Reasonable Procedures 15 U.S. Code 1666 - Correction of billing errors, Section ( b ) Billing Error 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions

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 2023-06-28 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX  was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXXXXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX  XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by 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 2023-06-28 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or 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 2023-06-28 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Today I called Capital One regarding my credit card acct at XXXX and spoke with XXXX . I was asking about possibly getting my APR lowered and was told that " as a financial institution, Capital One does not lower APRs '' and that I am subjected to variable rates. I thought it was up to their discretion as an institution regarding APRs and lowering them if asked, etc. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/2023 I deposited a cashier 's check valued at {$1400.00}, endorsed to myself from my partner into my Ally Bank savings account. My partner had closed an account with XXXX XXXX, received the check, then signed it over to me for reimbursement of other expenses. 

On XX/XX/2023 I noticed the deposit transaction was rejected. I called Ally to ask why, and they said because the original check was not made out to me they could not deposit it into my account. Regardless of it being endorsed to my name on the back and signed by my partner.

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 2023-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to contact the companies and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to contact the companies and nothing has been resolved.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have credit cards with XXXX, XXXX, XXXX and XXXX. The practices of Capital One stand out as deceitful and are designed to make money off of the consumer by charging unfair late fees, interest charges and applying payments to go against accounts that have a lower interest rate or no interest rate rather than against accounts with a higher interest rate and are coming due sooner. 

For my business account I caught Capital One applying a majority of my monthly payment to my 0.00 % reduced rate promotional balance that was due XX/XX/2023 rather than to my 6 months same as cash promotional balance expiring XX/XX/2023 with an interest rate of 29.74 %. The other credit card companies do not do this! They apply your payment to your first account that is coming due the soonest. Thank goodness I caught this because if I did not, I would have had to pay all of those accrued interest charges. Furthermore Capital One does not allow you to allocate how much of your payment you want allocated to each account online. I had to take time out of my busy day to call Capital One every month to tell them how to apply my payments to my accounts because again, they were applying a majority of my payment each month to the account that wasn't due until XX/XX/2023 with a 0.00 % interest rate instead of applying a majority of my payment to the account coming due XX/XX/2023 with a 29.74 % interest rate. 

For my personal account with Capital One I was charged a {$29.00} late fee and {$17.00} on my XX/XX/2023 statement for being 2 days late in paying my statement balance that was due XX/XX/2023. Capital One received my payment on XX/XX/2023. Other credit card companies and banks allow up to 15 days for a grace period before they charge a late fee. I made my next payment ( in full and on time ) to Capital One on XX/XX/2023 that included paying the {$29.00} and {$17.00} in fees. As if the {$29.00} late fee and {$17.00} interest charges weren't enough, Capital One assessed me another {$11.00} in interest charges on my XX/XX/2023 statement to further penalize me. The representative told me that it is Capital One 's practice to charge interest charges for 2 months straight as a penalty for being late even though I paid off my entire balance the month before. This is egregious. I've been late two months in a row with other credit card companies ( XXXX, XXXX ) and have had no problem getting my fees waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX Bankruptcy Court of Virginia docted bankruptcy XXXX XXXX. XXXX XXXX was violated by Truist bank auto department XXXX XX/XX/2023. When I woke up, i found out they stole my car without due process or without court order. It ruin my life and my family. This is violation to federal statute. 

XXXX ( Truist auto account ). 

XXXX XXXX XXXX in Virginia XXXX holding my car property

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