vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to the wells Fargo bank branch personally in XX/XX/2023 at XXXXXXXX XXXX located at and tried to make a cash deposit and the cashier received my money for an amount of XXXX so she did not give me a receipt, she did not add the money to my account and instead that she made me a withdrawal of XXXX $ which I did not request and she did not give me that amount at all. Now is missing XXXX $ of my money. When I went to the bank on Monday to claim, the manager without reviewing any document or checking anything at all, he told me that they do not receive claims and that they had no money left over on the day that I indicated and I had to leave without receiving any help, I also called the customer service of bank to file the claim. I wait 10 businees day and they denied me the claim without explanation. Thank you in advance for your help.

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 2023-01-30 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: TX

Complaint narrative:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies Experian, XXXX, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

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 2023-01-30 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: RI

Complaint narrative:
It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to TransUnion and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Somebody use my identity to apply Mile & More XXXX. I realized it happen only when the credit card company mailed me for more information. The company is called and the application has been canceled

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In 2015 Well Fargo froze my funds in my account because a {$2200.00} check was deposited into my account. The freeze on my account prevented me from withdrawing my funds for bills that I had to pay. I was late on my rent which was {$1000.00}, my car notes one was {$430.00} and the other was {$530.00} and my light bill {$200.00} due to this issue. When I called to inquire about this matter, I was told that the check that was deposited seemed fraudulent. In addition, they could not release any of my personal funds outside of the check that was deposited. The funds were released XXXX to XXXX weeks later and the account was automatically closed by Wells Fargo with no explanation. 

The funds were finally released almost 21 days later but that didn't stop the charges that I had to pay for being late and to the stress that it caused me.

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 2023-01-30 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: MA

Complaint narrative:
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I friended XXXX XXXX on XXXX. I now believe that this is a fake profile. We began messaging and a few days later was told about investing in XXXX, that it had a high percentage of return. I started off by wire transferring {$2000.00} from my bank into XXXX. Through messaging this person walked me through how to transfer the money from XXXX to XXXX wallet and purchase XXXX or XXXX, and then deposit that money into a site called XXXX XXXX. I now know that XXXX XXXX is a scam website, at first it originated from openrarit.com and now XXXX XXXX XXXX. At first I was able to withdraw some money from the account. On XX/XX/23 I was offered {$50000.00} by the site to put into my account for 10 days to help make more money and a higher percentage of return. The site messaged me and said the {$50000.00} must be paid back in 10 days or my account would be suspended, that the money could not be taken back from the account. On XX/XX/23 I wire transferred {$52000.00} from my bank branch at Chase with a teller. The site messaged me and let me know they had received the deposit. I then tried to withdraw the money back out and was told that my account exceeded {$80000.00} and that I would need to deposit {$30000.00} to open a vip withdrawal channel to be able to withdraw funds. On XX/XX/23 I wire transferred {$32000.00} from my bank branch at Chase with a teller. I was then messaged from the site and was told in response to the US tax authorities I would need to pay {$22000.00}. This is when I was absolutely sure this was a scam. I have screenshots on my phone of the process of the money being wire transferred to XXXX then to XXXX wallet and then to makersplace pro. I also believe Chase Bank should have questioned me or warned me about doing a wire transfer for such large amounts of money but they never said anything to me. I have made a report of this to Chase Bank, the FTC, the FBI and the XXXX XXXX police office. I still have an open line of communication with the person the scammed me, their profile is still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX XXXX I placed an order with XXXX and paid balance in full in XX/XX/XXXX through their online system and the balance showed that it was paid in full. Since then, I placed an order purchasing goods through XXXX in XX/XX/XXXX online and was not told there was a XXXX outstanding finance balance on my account. I was reported to the credit bureau that I was delinquent in XX/XX/XXXX. On XX/XX/XXXX I received a text message to contact Comenity Bank and immediately called them and paid the supposed outstanding balance. This is an error of communication on XXXX and Comenity Bank and should not negatively impact my credit report. In good faith, Comenity should relinquish their negative report which has negatively impacted by credit score. As a result of lack of communication from XXXX and XXXX Bank, I have closed my account through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX my loan is XXXX with selene finance I'm XXXX payments behind. I applied for loss mitigation I send in proof of income XXXX XXXX a year. Iask for a repayment plan I get letter dates XX/XX/XXXX saying I'm denied for a standard modification reason is I don't have any income and I think they made a mistake here i want to go on a repayment pla to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to me.

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Metro 2 Compliance and Oscar must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a Metro 2 Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with Metro 2 standards and must be deleted immediately.

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 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SD

Complaint narrative:
We don't have a major complaint, but were advised to send this message by our financial counselor as it happened while he was on the phone with Cardinal Financial during our phone call to them to receive information regarding loan modification. The number we called to request information ( XXXX ), we were requesting the name of a loan servicer on our account, we were not aware we hadn't been assigned one at that point. The employee answering the phone said she was 'just a call center ' and did not have that information, our financial counselor asked to speak to a supervisor and she put us on hold and returned several minutes later and stated there was no one available for us to talk to, so he did state that based on the CFPB we did have a right to speak to someone to receive help with our questions and the employee hung up on us and we did not receive a return call from Cardinal Financial. We did, however make another call later in the afternoon and were assisted by an employee in the Foreclosure Dept named XXXX and she was extremely helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offered incentive offers for using XXXX on its mobile app but has not paid out the incentive after I have activated, qualified, and filed a complaint with the organization. This has happened twice to me, in XXXX and XXXX of XXXX. In the most recent case, on XX/XX/XXXX, I activated and qualified for a XXXX incentive offered through Bank of America 's mobile application. I never received payment of incentive which was due within 60 days. I spoke to a Bank of America representative on XX/XX/XXXX, who confirmed my qualification, provided the promo code, and said payout would be on XX/XX/XXXX. I spoke to another Bank Rep on XX/XX/XXXX ( XXXX, XXXX. XXXX, and XXXX XXXX, No, XXXX ) when payout was never received. This rep told me there was no evidence of the incentive on my account, and they could do nothing to help. I requested they file a complaint ( No. XXXX ) and an escalation ( No. XXXX ) on XX/XX/XXXX. I have not received a response as of XX/XX/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 monetary relief
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit

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 2023-01-30 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: LA

Complaint narrative:
Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
They told me I was pre approved for credit cards and wasnt CREDIT KARMA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of..

Theres no proof that I owe anything, at all.

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy.

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.

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 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
Upon checking my credit report XXXX has my account reported as deceased my whole credit profile has been comprised with information and accounts that do not belong to me please verify that this is account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MO

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 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 ( Original Creditor : XXXXXXXX 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 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 year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or 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