vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following.

A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ).

A credit union.

Any of the following, its successor, or subunit of one of the following.

Federal Deposit Insurance Corporation.

National Credit Union Administration.

Any other federal executive agency, including government corporations. 
Any military department. 
U.S. Postal Service.

Postal Rate Commission.

A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency.

A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government.

Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23 XXXX : I received a text message that my phone number has been used as the primary number for a Capitol One account. 

I logged into my XXXX account and noticed that a credit inquiry was processed from Capitol One on XX/XX/23 for a new credit card ( I did not apply for this card. 

Called Capitol Ones fraud department. The fraud department told me that my social security number and name matched the application, however the birthday did not. And because my birthday did not match the one used on the application, it was not fraud. The further told me that they have had a number of instances where multiple people have the same social security number, and that this is possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS ( AMEX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. AMERICAN EXPRESS ( AMEX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/2023 AT XXXX XXXX I SPOKE WITH EMPLOYEE XXXX XXXX VERIFYING MY BUSINESS ACCOUNT ON HOLD VIA EMAIL UNTIL XX/XX/2023 PUTTING AN ILLEGAL HOLD ON MY ACCOUNT SAYING THATTHEY DETECTED SUSPICIOUS ACTIVITY FROM MY TENANTS MONEY ORDERS AND CASHIERS CHECK WHICH I ROUTINELY DEPOSIT THE SAME AMOUNTS EVERY MONTH IN MY BUSINESS ACCOUNT FOR THE LAST 2 YEARS. THEN SHE OFFERED ME TO PAY FEES FOR NEW SERVICES ENTERING INTO XXXX OR XXXX XXXX, OR XXXX WHICH IS A SWITCH AND BAIT ILLEGAL SCHEME BY THE BANK. THEY ARE HOLDING XXXX CASHIERS CHECKS I DEPOSITED : {$1000.00}, {$1700.00}, {$1500.00}, {$1500.00}. PLEASE INVESTIGATE THIS MATTER I NEED MY MONEY NOW CAUSING ME TO BOUNCE CHECKS I HAD ALREADY WRITTEN OUT

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 2023-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I qualify under the criteria for damages for compensation under HAMP for wrongful foreclosure and other abuses. I was sent a check for XXXX for errors but I MEET ALL CRITERIA FOR COMPENSATION TO FULLEST EXTENT FOR FRAUD IN WRONGFUL FORECLOSURE REFUSAL TO MODIFY I DEMAND TO BE COMPENSATED IN FULL AS CFBP HAS ORDERED. 

I requested my file which Wells Fargo has refused to provide as well. I was told I would be contacted four weeks ago by " XXXX '' an executive but HAVE NEVER BEEN CONTACTED. 

Wells Fargo lied about not being able to get ahold of me as XXXX contacted them over a DOZEN TIMES ESCALATING IT.

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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I provided someone my phone number on XX/XX/23 on XXXX and without authorization or approval, they took 3 payments of {$300.00} out of my checking account through Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: SC

Complaint narrative:
XXXX XXXX renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX  They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with XXXX was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to fingerhut. I have submitted disputes for XXXX which hve been returned as denied. XXXX finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but XXXX misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and experian will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXXXXXX XXXX In XXXX XXXX I went to withdraw Money from my TD checking account from my social security direct deposit account and discovered there was a freeze on my account, I spent a day on the phone with people including managers and 2 different branches. I passed voice identification and security questions and they said they would have to text me on a US phone No. Being in XXXX XXXX I only have an XXXX XXXX No. Their only solution was for me to go to a US branch with photo id and passport. I have severe XXXXXXXX XXXX about XXXX XXXX XXXX plus am on the cusp of XXXX XXXX, Flying causes me a great deal of pain. So, no money, no food and no medication, I have to fly to NY and back costing me over {$600.00} and a great deal of pain and suffering. I would like to be compensated and warn people not to travel internationally if they use TD Bank. I think that it's illegal to freeze a direct deposit social security account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I hold a Chase Amazon credit card. My annual spend is over {$75000.00} a year and I have never paid a fee or an interest charge. On XX/XX/2023, I made a XXXX transaction for {$25.00}. {$25.00} was a payment to a friend and {$0.00} was a fee charged by XXXX. While that {$0.00} is an insane amount to charge for a fee, that is not why I am writing. I am writing because unbeknownst to me, and unlike what happens for XXXX, Chase treats a XXXX payment as a cash advance. As a result, Chase charged me a transaction fee of {$10.00} on the {$25.00} XXXX. That's a 39 % fee! Plus they charged {$0.00} in interest even before I could pay my bill. Luckily I caught this and the bank has generously offered to give me a " one-time '' credit for the transaction fee and interest. I'm writing because this fee is criminally high and the application of interest immediately after the transaction is absurd. I'm also writing because I do not feel like I was given adequate notice by either Chase or XXXX that this would occur. As an attorney, I have no problem ( other than the cost of my time ) fighting ridiculous fees and interest such as this, but I am concerned for the general public. This practice should be stopped and consumers should be protected from such fees and interest charges in the future. Please do something to make Chase stop this, or at least make a clear disclosure on the XXXX app. 

Also, I spoke to a customer service manager who said there was nothing he could do about it and he tried to place the blame on Visa and XXXX. Yet, he was happy to tell me that the {$10.00} fee and {$0.00} interest was valid and there was nothing he could do about it. Luckily the non-supervisor was willing to reverse the fee and the interest. What if I was not a lawyer? Do you think they reverse charges for folks who can not advocate for themselves? I doubt it. 

Thank you for taking the time to consider my complaint. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A hard inquiry was done to my credit report from XXXX XXXX and I have not applied for any XXXX XXXX I already have two that are active

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 2023-03-09 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: OH

Complaint narrative:
A hard inquiry was done to my credit report from XXXX XXXX, and I have not applied for any XXXX XXXX I already have two that are active

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 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Health Savings Account is with Truist. I have been attempting for nearly 6 months to obtain a debit card so I don't have to come out of pocket for medical expenses. Repeatedly they tell me the card is coming, repeatedly it does not come, repeatedly when I call they say it was lost in the mail. This is true even after I asked Truist to send the card to a local branch. 

Not only that, they have charged me a {$5.00} fee for this card, which I have never gotten. Most recently, they took my complaint and said the card would arrive in 4-6 weeks to my local branch. Since then I have expended several XXXX dollars on medical expenses for my wife and me, all of which could have been covered by the HSA account.

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 2023-03-09 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: NY

Complaint narrative:
XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

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 2023-03-09 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: NY

Complaint narrative:
XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: AL

Complaint narrative:
On XX/XX/XXXX, I called my bank to stop payment on a lost check. The bank employee asked for the necessary information to stop payment and then placed me on hold. When the employee returned to the line, he addressed me as " XXXX XXXX XXXX. '' I asked him to repeat the name, and he did, which was my mom 's first name. I asked him to repeat my account number back to me so I was sure he was in the correct account ; he was. Someone had added my mother 's married name to my business checking account without my knowledge or consent. My mom died in XXXX. I'm not one hundred percent certain, but I believe my mother had been added as account owner/account holder of my business account. The bank can not provide or produce a signature card, nor do they know the exact date this incident occurred. They believe her name was added in XX/XX/XXXX. My mom was 80 years of age and in failing health. However, XXXX shows my mom having employment history beginning XX/XX/XXXX, same month and year the bank believes her name was added to my account. The branch manager filed an internal complaint. When the branch manager could not get answers from upper management, he instructed me to file a complaint with the bank. I emailed their customer care department on Tuesday, XX/XX/XXXX. The bank contacted me via phone on Thursday, XX/XX/XXXX, to say they were investigating. This is fraud, and I have many reasons to be concerned about when, why, and how my mom 's name was added to my account without my knowledge and authorization. However, I have heard nothing since, and it took almost two months and filing an online complaint to garner their attention to this matter. For many reasons, this needs to be investigated. It is illegal. 
Many thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have submitted multiple disputes with XXXX to remove acima from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with Acima and the manager stated nope from XXXX has requested and information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.

Company response to consumer: Closed with explanation