vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Continuence of Complaint Ref number XXXX Ref Number : XXXX for American Express. 

American Express has violated 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 

Attached files : -Intent to sue -Affidavit of truth -Evidence of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: NC

Complaint narrative:
This complaint is about Wells Fargo. 
I have been using the Wells Fargo bill pay for close to 20 years and periodically had trouble but nothing like today When I tried to send a check to a friend who had advanced deposit money for a hotel that had been booked by the friend for me and my wife I received a form notice numerous times when I tried to submit the transaction The notice stated that the transaction could not be completed and I should call the stated number in the notice that appeared on my computer screen. 

I called and spent a total of 3 hours among various WF personnel who kept advising me that I had to go to a branch office to remedy the problem. 
NEVER in all the time I was on the phone trying to find out what was going on with MY MONEY that WF held did anyone say anything other than this is a random hold on your account and you must go to the branch office to speak with a person at the branch When I placed a call to the branch the officer at the branch said I must bring a tablet or a lap top into the branch so that whatever was going on that prevented me from accessing my own money could be dealt with. 
When I protested and said I insisted the branch office person get in contact with a superior and find out how I could access my money and call me back before I spent another 3 hours trying to access my own money and perhaps having to go to the nonsensical trouble of going to the branch office with MY DEVICE the branch person said they would try. 

15 minutes later the branch person called me and said he had spoken to a superior and that person told him that the bill pay is " down all over the country '' and they expect it up late to day or tomorrow I SPENT 3 HOURS of my time before I was finally told this is a WF problem and had nothing to do with my security which had been the WF position until I became adamant ONLY A BANKING ORGANIZATION THAT IS WITHOUT ANY CUSTOMER RESPONSIBILITY WOULD BEHAVE IN THIS NEGLIGENT AND RECKLESS MANNER.

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 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
XXXX XXXX & XX/XX/2023 there where unauthorized transfers and unauthorized transactions on my account after the transaction posted I dispute all the transactions on XXXX XXXX & XX/XX/2023 Because they were not authorized by me I explained to my bank. Three days after filing my disputes I get a call from XXXX XXXX in Card Claim Department asking me about the transactions From XXXX XXXX And Was The account Secure I said I did not know I would contact XXXX XXXX like she instructed me to do so. I gave her a call back the next day and told her exactly what XXXX XXXX said I had to contact my bank regarding the unauthorized transfers and she told me that it was already too late and denied. I dont understand how transfers & transactions I did not make how can I be held accountable for transfers and transactions I didnt not authorize or make I am a hard working Mother of XXXX  daughters and for my hard earned money to be tooken from me is unacceptable. I explained multiple times it was not me the made the transfer or transactions but it didnt matter to them they still denied my Claim.

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I was told by an XXXX XXXX XXXX sales rep that I had good cell coverage at my home address. I was also told that by bundling my XXXX XXXX XXXX cell phone plan and XXXX XXXX XXXX  I would receive a discounted bundled rate. It was a cheaper plan so I signed up. When I returned home with the cell phones they did not have service at my home address. To be clear, the cell phones did not work at my house. Within 24 hours I canceled my plan with XXXX XXXX XXXX and reversed everything. Apparently when they bundled my XXXX XXXX plan it couldn't be reversed so I had to cancel that and start all over. No one at XXXX XXXX XXXX has been able to resolve this so it looks like I canceled my XXXX XXXX contract prematurely and they are trying to charge me a contract cancellation fee for misinformation their salesperson gave me from the very beginning. Now the collection amount has increased because they have turned it over to Credence Resource Management, a collection/harassment agency, and it has negatively affected my credit. I do not owe this money. I don't understand why I have to keep going through this every time they put this on my credit report. It was their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: NC

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 2023-03-06 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MN

Complaint narrative:
Hello and thank you for your time researching this. I've been a customer of Square payments since 2019 for my small business, which is a one-store brick and mortar location. Being it is a XXXX XXXX, I have to collect a refundable damage deposit in addition to the rental fee. At the conclusion of the rental, the client is refunded the damage deposit. Square has implemented a new policy to charge small businesses a fee on refunds. This is an unethical practice as a small business is not retaining these funds and therefore should not be assessed a transaction fee. This was THE main deciding factor when choosing a payments platform for my small business, and Square is now going to charge small businesses for funds they're not keeping. This has a major impact to my small business on top of the many other significant price increases it continues to face. I've already contacted the company via email and phone, and they have not been reasonable to discuss any options to help my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I have currently tried on multiple occasions to contact mortgage company with no success. I have asked to not be on forebearence as well as to take off mortgage and hazard Insurance as i have provided documents through email and fax through western reserve. I have not been able to contact due to them ending my call when being transferred. I am asking Amerihome mortgage XXXX to take off mortgage insurance and no forbearance on our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Receiving multiple letters and Phone calls from Jefferson Capital Systems LLC ( Address : XXXX XXXX XXXX XXXX, NC XXXX ) Saying we owe a debt in the hundreds for which we are not familiar with the vendor and that they could take legal action or sue. 

We were hit with anxiety and panic and XXXX searched the company turns out 80 % of web pages brought up are warnings that this is a scam. 

We are on top of our finances at the moment and want to stopped being harassed with a hoax company and false information threatening legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: FL

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

Account name : XXXX XXXX XXXXXXXXXXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXX DEPT OF EDXXXXXXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2023-03-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2023-03-06 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: GA

Complaint narrative:
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. 

XXXX # XXXX XXXX # : XXXX XXXX #  XXXX 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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-03-06 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: GA

Complaint narrative:
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. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-03-06 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: TX

Complaint narrative:
Experian is reporting an account with XXXX XXXX  as a charge off with a balance showing. This information is not factual, how can an account be charged off with a balance? Once an account has been charged off, it must be reported with a XXXX balance.

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 2023-03-06 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: Self Financial Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXI have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, 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 2023-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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