vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a purchase on or about XX/XX/2023 from XXXX ( merchant ). After receiving all the merchandise from my order, I started the return process per the company 's instructions. I exchanged several emails with XXXX 's customer service representative over regarding the return and was told " Please DO NOT ship until we have authorized and shared return instructions. Otherwise, we will not be able to process the refund for you at all. '' They never sent the authorization even after I requested it via email. I filed a dispute with my credit card company Bank of America which was denied after five ( 5 ) months of back and forth escalations. I provided approximately 46 pages of documentations, specifically addressing their two ( 2 ) reasons for denying my claim. I even spoke to the VP of Claims and while she agreed that I had met my burden of proof, because XXXX could not retrieve the funds from XXXX, there was nothing they could do.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of serious concern regarding what appears to be an unauthorized pull of my credit report by XXXX. I recently became aware that XXXX has accessed my credit information without my explicit authorization, and I am deeply troubled by this violation of my privacy rights. 

I have not provided any consent or authorization for XXXX to review my credit report. Despite this, it has come to my attention that they have undertaken such an action, which I believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

This unauthorized access raises significant concerns about the security and confidentiality of my personal and financial information. I am formally requesting the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter. I seek clarification on how and why XXXX accessed my credit report without proper authorization. 

To assist with your investigation, I am providing the following details : Date of Unauthorized Access : XX/XX/ Details of the Unauthorized Inquiry : See Attached I am confident that the CFPB will diligently investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. Additionally, I request that XXXX be held accountable for any violations identified during the investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of the progress of the investigation and any actions taken. 

Thank you for your commitment to consumer protection.

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 2023-12-14 00:00:00
Product: Credit reporting 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:
Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681c ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of info. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 section A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 S-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 information is accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Yes this company could not provide verification of debt. They have me settled for deletion and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of inaccuracies that were claimed verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I was a doctoral student at XXXX which is a XXXX XXXX. I am at a loss for why I would have borrowed such an exorbitant amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am the confirmed successor in interest. The servicer said they can not issue escrow overage in my name. I ask them to apply it to the principle. I got a message that a change occured. But no payment was applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NJ

Complaint narrative:
This is XXXX XXXX, I run a small business called XXXX XXXX XXXX in NJ. 

My issue is with XEXXXX. I have initiated a money transfer on XX/XX/2023 with XEXXXX, tracking # XXXX. Since then they have been telling me different stories whenever I call them to check the status but money is not received yet in my XXXX account. They did not share swift tracking number either after multiple follow up including emails. 

Request you to please chime in and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Yesterday, I went to the XXXX XXXX of XXXX, XXXX, TX to trade in my XXXX XXXX XXXX for a certified preowned XXXX XXXX XXXX XXXX. The process took several hours and when I finally met with the finance person, he was overwhelmed with loans and was pressuring me to hurry and sign the paperwork. I was NEVER shown the itemized breakdown for these charges. 

I was only shown separate papers with the agreed upon price of the car, the pricing for maintenance plan and warranty, my trade-in value, interest rate and my monthly payments based on that information. I had to agree to each of them separately. 

When it was time to sign the official documents, the finance person switched between two different screens, a tablet and computer screen, to have me sign the documents. I think he deliberately hid the full view and tried to confuse me about what I was signing. 

He said he would email me the entire document. When I finally saw the document in full after the dealership was closed, I realized that I was overcharged and even charged for items I never agreed to.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXXXXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Letter from Chase Card Services " Credit card passed due XX/XX/XXXX I called explained " this card issued XXXX, was never acctivated, is locked in my safe.Plus no transactions had occurred in over XXXX years. 
The charge was XXXX I had not used or authorized in over XXXX years either. 
Could not get the phone collector to acknoledge my problem. 
I'm XXXX, [ one of th reasons we did not activate the card ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XXXX XXXX I went to XXXX # XXXX to ask for the service of send money to another country. XXXX offered me the service using Money Gram. 
I provide the recipient 's information requested for an account deposit, including name, location, bank and account number. 
XXXXMoney Gram promised me that the recipient will have the deposit by XX/XX/2023. 
I provide my identification and confirm the recipient information. 
I sent {$500.00} and XXXX charge me {$8.00} transfer amount. Total XXXX charge me {$500.00} cash. 
XX/XX/2023 I contacted the recipient to let her know about the transaction. 
XX/XX/2023 recipient did not see the deposit in her account. 
XX/XX/2023 I call Money Gram ( XXXX ) to ask for information about the money because the recipient has not received that in the bank account provided. Someone with Money Gram told me that the money is not longer with Money Gram but they don't know where is it and they open a case. 
XX/XX/2023 The recipient has not received the deposit in the bank account. I call Money Gram asking for any information but who took my call said that they don't know where is my money but there is a department working on mi case. I ask for an email or phone number to get comunication but this information was denied as well. 
XX/XX/2023 I'm filling this complaint. 
Reference number XXXX Case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX XXXX in XXXX, Utah. We mailed in our rent checks to the landlord. Someone stole the mail from the landlord or had access and they cashed my business checks for rent at a third party bank, XXXX XXXX We had to pay our rent on top of losing almost {$10000.00}. Wells Fargo has ignored us for over 2 years and never tried to rectify the situation. they never credited our account. They never returned phone calls. They never verified the transaction or the checks when the fraud was committed. they allowed a third party to cash the checks against a personal account and not in his name. Wells Fargo never reached out to us regarding the checks and they allowed them to be cashed. 

For XXXX years, we have been chasing Wells Fargo for answers and our money back. We are constantly ignored. We never received our money or a credit. We had to pay our rent on top of losing the money. Due to XXXX related problems and no XXXX loan, we shut the business down. We are still our {$9800.00} from Wells Fargo cashing our checks to a personal account that is clearly fraudulent. As of now, we demanded help again and they assigned a NEW person to work on our issue and we still have no answers or cooperation. Wells Fargo will not share the information with XXXXXXXX XXXX for us to follow up on. They will not provide any information in writing as of now. Wells Fargo never returns our calls and have been very difficult to work with. They asked us to get notarized affidavits, make personal statements and more. We have done everything they requested only to have them ignore us and not retrieve our funds. I am very concerned that I will not get my money back willingly. Wells Fargo is making no attempt to fix the situation over XXXX years. I am going to have to find an attorney to sue them for my money back that they allowed to be given away to an individual at a third party 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 explanation