vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo charged me thirty one ( 31 ) overdraft fees, each costing {$35.00}. All of these were for transactions involving a debit card. There were no checks ever written against the account. 

I spoke with Wells Fargo multiple times about this, manually changing my account settings so that instead of paying a charge, the transaction was instead declined. During the Covid outbreak, if something like this happened, I would call Wells Fargo and they would reverse it. Moreover, they would decline charges made by the debit card when enough funds were not in the account. This " flexibility '' on their part was because they were obligated to do so due to the pandemic. However, the moment they were no longer obligated to offer compassionate fee waivers, my account settings reverted back to giving the bank " discretion whether to pay a charge when sufficient funds were not available ''. I never asked them to change the settings to pay transactions that would result in an overdraft charge. In 18 of the 31 transactions, the underlying charge was less than {$20.00}, and in 6 cases, the charge was for less than {$10.00}. Essentially, charging me a 300 % overdraft fee. When I contacted them recently, explaining that I had been XXXX  with a XXXX XXXX, and informing them that I had XXXX XXXX on XX/XX/XXXX to remove the XXXX, I was treated as if I was telling them a lie and the rep was incredibly rude to me. 

I explained to the rep that I was under strict orders from my doctor to avoid any stressful interactions at all costs, because it would likely trigger a XXXX. Even after explaining this detail, the Wells Fargo rep responded with something extremely rude and then stated " we can not waive any more fees, perhaps you should get a job ''. I can not believe someone would say something like this after learning I was recovering from XXXX XXXX and as a result I was on XXXX leave until XX/XX/XXXX. I literally ended the call with my hands and body shaking and practically in tears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
My identity has been stolen and my accounts continue to be frozen for no reason and XXXX stated that Wells Fargo is to blame. I have tried to mediate this situation several times, however Wells Fargo continues to make things harder for my life each and everyday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PA

Complaint narrative:
I am writing to delete the following information from my credit report. I am a victim of identity theft and did not authorize these charges. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit in regards to the theft. I would appreciate if these charges were removed from my file as soon as possible because it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2022 : XXXX XXXX ( XXXX : XXXX XXXX XXXX, not a registered business ) {$400.00} via cashapp, for home repair, he left and then wanted another {$200.00}. I offered {$200.00} via XXXX but he didnt want payment through that system ( probably because they will investigate fraud ). He even stated by text that he would refund the {$400.00} and never did. Never came back to do any repairs, never refunded the money, blocked me on XXXX. 
Total : {$400.00} I submitted a police report and will be prosecutingXXXX XXXX  police report filed today, XX/XX/2022. Report # XXXX. 

I have already used Cashapp 's complaint/fraud system, they declined to do anything, despite knowing he committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete 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 explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: MS

Complaint narrative:
A hackr ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) possibly them has been attacking by cybersercurity hacking to my phone on anything they can and will not let me put or continue with my creating an account without changing my information or just blocking the submit button.They are trying to steal my information location is XXXX.My number is ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX please contact me or send an agent they have been forwarding my calls and messages to thiersel es acting like me.tha k you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently submitted 56 ( 2 ) for Bank of America/ XXXX XXXX dba Secretary of Treasury ... 2848 ... 1099A ... ... Escrow Release ... 1040/1041V ... ..POA ... remit coupon for balance on account ... .also sent copy to IRS. The company responded with this letter and closed the account. Why would they make up some bs to close the account after I had taken control as the Lender/Creditor.FRAUD!!!! They are t

he Borrower. I filed this paperwork so they would STOP double dipping into my trust account to prevent the FRAUD that is currently happening. Seems they were caugh
t and tried to close the account so they can collect on the 1099A instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Reported the following scam to Paypal. Have gotten my claim denied, am appealing but I should not have to waste my time and effort fighting Paypal when this person is a felon and known scammer. 

XX/XX/XXXX : Paid XXXX XXXX and XXXX XXXX ( XXXX XXXX, not a registered business ) for home repairs. 
XX/XX/XXXX : {$190.00} via paypal for replace faucet and shower head with valve change, install dishwasher which was never complete, make a bookcase door separating kids room from living room, fix XXXX flooring spots upstairs XX/XX/XXXX : {$120.00} via paypal to XXXX XXXX to fix tub wall XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. XXXX refunded, XXXX asked that I send as friends and family to XXXX via paypal XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. 
XX/XX/XXXX : {$50.00} for materials & picking up cabinet to put upstairs XX/XX/XXXX : {$50.00} moving cabinet XX/XX/XXXX : {$97.00} delivery of cabinet and p-trap accessories so he could finally finish the dishwasher. 
Total : {$690.00} The only thing that was completed was the faucet/showerhead install, everything else was left incomplete and unusable, whereas before at least everything was usable. 

I am prosecuting the person committing fraud, XXXX police report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XX/XX/XXXX XXXX Credit Bureau : XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PA

Complaint narrative:
I am writing to delete the following information from my credit report. I am a victim of identity theft and did not authorize these charges. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit in regards to the theft. I would appreciate if these charges were removed from my file as soon as possible because it is hindering 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 non-monetary relief
Consumer complaint received 2022-03-28 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:
In accordance to the fair credit reporting act XXXX XXXX  number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States that 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 consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have an active XXXX account that monitors my credit. I received a notification today, XX/XX/XXXX, that a debt in the amount of {$5800.00} is being attempted for collection from RECEIVABLES PERFORMANC on behalf of original creditor XXXX XXXX XXXX XXXX. I have NEVER received any financial services and/or goods from the XXXX XXXX XXXX XXXX XXXX 
It is reported as : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX I do not know why I now have a debt for collections with this company. From doing a XXXX search, I have come to find that many people have filed a complaint against this company for the same reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: DE

Complaint narrative:
These addresses I have listed in my letter are inaccurate, please remove these addresses and names XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX, XXXX XXXX. Inaccurate addresses I never lived at and inaccurate names need to be removed soon as possible whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are 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 2022-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States that 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 consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There's alot of inquiries on my report saying what I applied for as it has it XXXX or XXXX XXXX why would I apply XXXX times around the same amount of time it's wrong and I see a phone number XXXX area code I never had a number with that area code so some of those things are wrong why would I apply for credit in the same card within XXXX weeks or XXXX months or so and those loans u never had them check my credit .atbw XXXX of them and maybe somehow they all got my information and started getting me inquiries and the reason I wansnt paying my credit cards as I was in the beginning is due to covid and loss of job no income at all no unemployment nothing at all I get no income and they keep knocking my credit lower buy ita Vue to the COVID and hard to get a job and the XXXX XXXX XXXX they sold my file or something like that now someone else has my information not credit one no more that's giving my identity away to someone else when I never got a credit card from. Then but there askr me for paymenta

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
XX/XX/2021 {$400.00} was paid in full Balanced Healthcare Receivables try to collect and try to intimidate whit collection. 
I attach the receipt.

Company response to consumer: Closed with explanation