vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With Wells-Fargo from XX/XX/XXXX until XXXX at witch time I had closed that account Because Wellsfargo also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and wellsfargo was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides

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 2022-07-09 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On the XXXX of XXXX I deposited a check in the amount of XXXX dollars in my account at WELLS FARGO, referring to a payment for work. But the bank, instead of giving me this money ( depositing it in the account ) took the money from me. My balance decreased this amount, causing me losses for being on a trip. I had to borrow from friends to pay the bills. I called and the assistant said that the problem will not be resolved until XX/XX/XXXX. This is absurd!!!

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 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX. 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the Partnered Properties to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 


Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point. 

On XX/XX/22 I received a Statement from Chase, stating, " As we discussed and agreed, no action will be taken ''. Also, they have the incorrect disputed transaction. The correct dispute was for XXXX XXXX for the amount of {$600.00}, as stated in the previous claim thatI have submitted. I am confused as to what did we " discuss '' because I only received a Voicemail from the XXXX at the Chase Executive office, stating that she was working on the case. If this can not be corrected I would like my account closed and I will be taking my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/12 - Filed a dispute with XXXX / equifax information reported incorrectly on XXXX XXXX credit accounts and asked for removal off of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am writing this complaint, as a follow-up to my previous complaint against PayPal, that I submitted on XX/XX/2022. This complaint was resolved in my favor, which was asking PayPal to provide me with a way to withdraw my funds from an account they closed over a year prior, and despite them stating I may withdraw my funds now, I am still encountering numerous obstacles placed by PayPal. At first I was allowed to withdraw XXXX XXXX then XXXX $ a few days later, and then nothing but errors stating to try later. After countless phone calls with their support, I was told different stories by each PayPal representative telling me first to wait 12 hours, after which I still couldn't withdraw, I called again and was told to wait 72 hours.. Again I waited til 72 hours had passed, yet still couldn't withdraw. I called again and was told by the representative that " you will have to wait for another email from the backhouse '', I then asked to speak with a supervisor, and was DENIED this from the customer support rep, and told " a supervisor can not help '', and whilst still on the phone with this horrible PayPal rep, I was able to transfer XXXX XXXX completely disproving everything this PayPal rep was spewing. Currently, I have not been able to transfer more than XXXX $ every couple days, which is ridiculous considering I have over {$5000.00} still being held from me by PayPal, and forcing me to have to pay absurd fees for each transfer of XXXX $ every few days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 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 with the Fair Credit Reporting act XXXX  XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Remove Fraud Alert and any personal statement from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hi. On XX/XX/2022 I tried to make a transfer of {$1000.00} from my Ally bank checking account to my account in the XXXX XXXX. Due to the insufficient funds the transaction was not completed, but I only learned about this development few days latter when I logged on to my account. Not only I got no message from the bank about this transfer being canceled, but my ability to make transfers was restricted as explained in this message I received trying to make another funds transfer from the Ally Bank- " We can't make this transfer due to current restrictions on your account. You need to call us at XXXX ( ALLY ) to resolve this issue. We're here 24/7. '' I contacted the bank as instructed and I got this message on XX/XX/2022 - " Dear XXXX, Thank you for taking the time to contact Ally Bank. I am happy to assist you with your account inquiry. I apologize for the delay in my response to your message and any inconvenience it may have caused. Upon review, I show the transfer in the amount of {$1000.00} initiated on XX/XX/2022 from the Interest Checking account ending in XXXX to the XXXX XXXX  account ending in XXXX failed due to there being insufficient funds in the Interest Checking account. I show a deposit was made into the account in the amount of {$1000.00} from the Ally Investment account ending in XXXX. However, the deposit was not posted when the transfer to the XXXX account was being processed. All mentioned accounts are now active and ready for use. You may reattempt the transfer to XXXX at this time. I truly apologize for any inconvenience this may have caused for you. '' However, on XX/XX/2022 when trying to make new transfer I found out that my account is still being restricted. During the chat with bank associate I was told that - " if a transfer fails, the system will sometimes suspend the account. I see that the XXXX account was unsuspended. However, the Ally account was not. '' On XXXX XXXX I sent a message to the bank asking for answers to the following questions : Why and what kind of " restrictions '' are on my account? Why there was no message about the transfer being denied? Why it takes several days to remove restrictions from my account? 
P.S. As of XX/XX/2022 I received no reply from the bank.

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 2022-07-09 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have sent over 7 rounds of complaints to the bureaus and now to TD bank directly for an account they had reported with late payments. the bureaus claimed this was verified, and I've never heard from TD bank. They have provided no proof that I was ever late and this account is not reported correctly and violates the FCRA in every sense. Each bureau reports a different XXXX. that is not even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Remove Fraud Alert and any personal statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: CA

Complaint narrative:
There is incorrect information on my credit report. Addresses and Phone numbers. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is incorrect information on my credit report. Addresses and Phone numbers. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 non-monetary relief
Consumer complaint received 2022-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is incorrect information on my credit report. Addresses and Phone numbers. 
XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have 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 2022-07-09 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: NY

Complaint narrative:
In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out 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 2022-07-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: CA

Complaint narrative:
A withdrawal of {$460.00} dollars was made on my card on XXXX XXXX, 2022. The withdraw was made at a XXXX ATM hours away from where I reside. I called the card company to file a dispute. They investigated and claimed no fraud was committed so I got in contact with them once again and they said to file again and said that I wasnt satisfied with outcome of dispute. They sent out paper work to be filled out and asked for further proof to verify that I did not make this transaction. So I completed the paper work and made a police report to send along with their paper work. The detective from the police department who was in charge of the report called and verified that indeed it was fraud and that it is crazy that they had come up with a conclusion of no fraud detected in the first place. I sent in all the paperwork in and every time I called they say they do have the paperwork and will look into it to call back in 7 days. Then when I do call back another person answers and says that my paperwork wasnt received. Its always a different answer and no one has helped me resolve this issue. They claim they will send a letter regarding the status but never do. I request to talk to a XXXX or someone at a higher position and they never want to transfer my call or get me in touch with anyone else at a higher position. This has been going on since XXXX and I had no answer on my problem or if they will return my money. I am so frustrated, just need help in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
Account reported closed and still being charged monthly to my credit report. A recent report of a increase in {$79.00} was reported on XXXX/XXXX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My check was approved and completed by XXXX threw the Venmo app and Venmo has yet to still add the funds toy account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good morning, first of all receive cordial greetings. 
On XX/XX/XXXX make an online deposit through the Bank of America application, it was a deposit in check, that check arrived at my mail sent by a person who had informed me that it would arrive that check as payment of one service to XXXX XXXX XXXX, who was distant and at her request the check would come out in my name and after releasing the check would give her her money. I made the deposit in the amount of XXXX on XXXX  and I could see that the check was released on XXXX, but I even told the person that their money would be released later. On XXXX I proceed to give him the money through XXXX  make two payments in the amount of {$3400.00} remaining pending to transfer {$500.00}. Check my movements in previous days and on XX/XX/XXXX I notice that the check was reversed because it is not good, according to the bank 's explanation. I called the bank that XXXX  and they could only tell me that they released the check because I had availability at the bank. Which makes me presume that it is not a measure to protect the user, try to contact the emissaries of the check but my XXXX is bad and it is also difficult for me to understand in XXXX, which is why it makes me address you ; I do not know if I should make a legal complaint to the people who sent me a message to tell me if I got the check, to the friend who no longer gives me an answer and to the foundation who issues the check for that amount and in a certain way is doing that type of activities

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
Ingo completed and approved my check threw my XXXX  card app and has tried multiple times to fund my account and XXXX  hasn't giving me the funds for the voided check

Company response to consumer: Closed with explanation