vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
last year XX/XX/ i saw an advertisment from wells fargo bank advertising if you open a checking account and have qualifying direct deposit totaling {$1000.00} before XXXX XXXX you will receive {$200.00} bonus. I never receive the {$200.00} but it shows that i did in my transaction history. I reached out to wells fargo they were supposed to put in a dispute claim with information i shared to them. Also my checking account is now closed because of late fees for a overdraft they said that was on my account. I filed a dispute on that transaction as well, at least i thought i did. When my account got closed it would not grant me assess to well fargo mobile app because the account was closed, so i can not give definitive answer as to how much the account was overdraft. 
# 1. I'm assuming the dispute was never put in because my account is closed. # 2. Even though i put in dispute if wells fargo would have properly filed the dispute for the missing bonus money or even had they given it to me, it would have covered whatever they are saying the overdraft amount was, my account would have still been open. If your able to check my transaction history from XXXX  of last year, you will see that there was well over a {$1000.00} worth of qualifying deposit. I hope this gets work out for everybody invovled. This is the second time wells fargo closed my account for something that was not my fault

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 2023-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
XX/XX/2022, {$2400.00}. One Main was part of my debt consolidation which they agreed on a lower rate. The loan with One Main was paid off via the cost they agree on with the company. Everything was finalized and they were paid. 

I feel that they should have not ask for any additional money since they agreed to the payout amount to close the loan account. 

They sent me a XXXX XXXX  which should have never been reported!! How can a promise to take a loan payment agreement to resolve it become a scam to get additional money via taxes? This should have be resolved and written off as agree!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT .THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROCED CONSUMER RIGHS.

UNDER 15 USC 1681 SECTION 609 CONSUMER RIGHT I HAVE SUBMITTED THIS LETTER TO ALL THREE CREDIT BUREAU EXPERIAN FOR ACCOUNT XXXX AND XXXX XXXX USE THE NUMBER XXXX BUT SAME ACCOUNT WILL NOT TAKE OFF MY CREDIT REPORT. THE COMPANY DONE A INVESTIGATION.I SENT THIS LETTER TO BUREAU THEY WOULD NOT TAKE OFF. ON MY REPORT THEY STARTED PUTTING THE ACCOUNT WITH THIRD PARTY PEOPLE BUYING THE BILL FROM DIFFRENT ONES WITH DIFFRENT ACCOUNT NUMBERS BUT THE SAME BILL THE INFORMATION IS ALWAY INACCURATE WITH WRONG AMOUNT AND THE ACCOUNT NUMBER CHANGES 15 U S C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION 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
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.XXXX XXXX  on XX/XX/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 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 provide Signed Documents .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was traveling to the XXXX where I needed to get a Health Certificate from the XXXX government. When I XXXX the health certificate a site came back appearing to imitate the government health certificate website however is was a scam/fraud. The certificate was to be free as I knew it. The website requested my credit card number as reference however never divulged that they would make a large charge for the free service. If they had clearly stated they would make a charge, I would have known it was a scam. I checked several times on the website however the website never disclosed they were going to make a charge on my credit card for {$140.00} on XX/XX/2022. In matter of few minutes, I checked my credit card a charge was posted then I realized I was scammed. The health certificate website looked like official government website. Other private website would state clearly at the beginning of the webpage that they are not a government agency. However this site pretended to fool people to believe you are on a government website to scam people out of money when the actual health certificate is free from the XXXX government. I contacted my credit card company, Chase who claim I can dispute but would not credit my account for fraud. They were suppose to mail me a dispute form however never arrived. When I received an email from Chase asking me to respond, I did fill out the form and faxed it back to the dispute form to Chase. As of today, I have not received credit for scam/fraud purchase and Chase has not responded to my dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchants Credit Association routinely contacts me regarding medical debts that the fail to prove are mine. I've routinely asked them to provide itemized lists of the debts, the original biller, and proof that debt is mine. They never provide these proof documents. When these debts are disputed with the credit agencies, they agree to remove them, and then attempt to put them back on my credit reports. Now I have learned they are trying to file a civil lawsuit for some of these debts. I now believe they may have sent someone to my house who demanded my teens, who were home alone, answer the front door. I have filed a police report and am waiting to hear back more on this. Overall, I am scared of Merchants Credit Association and am losing sleep, suffering more medical ailment from the stress they induce, and I they have still yet to prove the debts are mine.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer 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 non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Me and my wife had a account checking and savings is was supposed to been the if you do ten transactions no extra charge we brought it up to them but they would always have some other excuse and they was very rude on a lot of occasions we would be charged double of a overdraft fee they was supposed at least once a month give are money back from a atm fee if we did not use one of theirs because where we live there is no wells Fargo bank we would have to drive 2 to 3 hours away they stopped doing the give the atm charges because of we would talk to someone who would tell us they couldn't do it but we new better.

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedesFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, including 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

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 2023-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
this company alleges i owe them a debt but after numerous attempts to validate the alleged debt they refuse to answer validation questions. at this point the validation period is long over with a 30 day response window AND went un rebutted and this alleged debt is now illegally attempted to be collected. and they have violated FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX has been frozen, and I am no longer able to purchase or return items. My account was frozen because National Service Bureau incorrectly connected this debt to my name and my account. 

The debt is my ex-wifes, and the debt was incurred XXXX XXXX XXXX XXXX XXXX was finalised. We have never shared a XXXX XXXX, and this purchase and debt did not occur on my account or in my name. 

I have attempted to contact the company to resolve this, because they are damaging my credit and putting financial strain on myself by now making it impossible for me to shop at XXXX. 

They cant legally harass me for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking and savings account they accused me that I committed fraud and I did not do anything then they told me they were going to close both accounts under there decision and I was very

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a complaint asking Experian, XXXX, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX  days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2022 they unilaterally closed my card. Then they added a charge that indicates " refund check '' in the amount of - {$600.00}, I have not received or cashed any check. 

I continually ask them to remove the charge. They said they closed my " old account '' and credited the amount back to the " old account '' which I don't have access to see or use. 

I repeatedly ask them to credit it to the account I DO have access to, if any. Alternatively I ask them to actually issue the refund, they keep telling me to wait and nothing is happening. When I call back they repeatedly have no records of my previous contacts. When I ask for a way to write them in writing, they argue or don't speak XXXX well enough to hold a conversation. Now they're claiming I owe them money in the amount of {$240.00}, when its the other way around, they owe me {$600.00} ( less the {$240.00} balance on the new card ). They advise me " just don't pay your bill then, if you get a late fee we'll just refund it '' ... however it is my position they are holding my money in deposit illegally without interest.

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 2023-01-22 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: WI

Complaint narrative:
As of XX/XX/2023 the XXXX XXXX XXXX XXXX XXXX has been satisfied and is not a collection item. This can be verified via 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 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Money was transferred from my other account to this account that I did not do many times. I wrote two XXXX XXXX dollars checks that turned into XXXX XXXX dollars chech.

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 2023-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: CO

Complaint narrative:
Hello, I recently took a loan with XXXX. They were supposed to send a debit card for their rewards checking feature. This debit card is how I planned to meet the criteria for keeping a lower payment. Problem is, I just made my XXXX  request for a card. Haven't received anything. 

They refused to refund me the extra portion of the payment due to me not being able to use the debit card to maintain the lower rate. I feel this is intentional to trick me into paying a higher rate. My bill went from {$490.00} to over {$550.00}. I can't afford groceries now. 

They said I could have switched my direct deposit and met the criteria or maintained a minimum balance. My only intention was to use the debit card for the XXXX purchases necessary to get the good rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

Company response to consumer: Closed with explanation