vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.

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 2022-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXXXXXX have violated many laws. 
Section 605, Section 605A, Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: CA

Complaint narrative:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
For 3 months unbeknownst to me someone was taking money out of my business account. The total of {$6500.00} I noticed it on XX/XX/XXXX. Because I didnt report it sooner, they only refunded {$1300.00}. They have repeatedly refused to return the money. The businesses were not real businesses and I was never alerted to these withdrawals. This was from XXXX through 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 explanation
Consumer complaint received 2022-09-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am lodging this complaint against Barclay 's Bank of Delaware, XXXX XXXX, XXXX, XXXX, and company CEO XXXX XXXX XXXX XXXX On XX/XX/2022 a charge of {$90.00} was made to my Juniper Credit Card by a merchant under the name of XXXX, a bowling alley/lounge in XXXX XXXX XXXXXXXX XXXX NY. I have never done business with this merchant, and I was not in the New York area when the charge was incurred. I reported the charge as fraudulent and asked to have it removed. I received a letter from Barclay 's dated XX/XX/2022 indicating that the charge would be investigated and removed within two billing cycles if found to be fraudulent. After two billing cycles had passed, I contacted Barclay 's again by phone and asked why the charge had not been removed. They responded by claiming that the charge was based on a card imprint, proving in their view that it was legitimate. My card had not been out of my possession, and any imprint would have had to have been made using a counterfeit card. I made this point to them, but they still refused to remove the charge, insisting that it was valid.

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 2022-09-29 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: FL

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. 


XXXX Acct # XXXX has violated my rights XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 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 2022-09-29 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: DISCOVER BANK
State: PR

Complaint narrative:
To update the damages to my credit, no matter not asking for credit, the free credit report from XXXX XXXX provided by Discover Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXXXXXX XXXX XXXX XXXX XXXX. also known as XXXX 
I want to thank Discover Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to Discover, now that there is a Lawsuit filed on my part. 
This is not to complain against Discover, but to show to XXXX XXXX, that if ask Discover for a simple credit card limit increase, this fraud authorized by XXXX  manager XXXX XXXX XXXX will make any Discover Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is Discover with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX  XXXX XXXX owned since new, even XXXX require repairs no matter this is the original factory installed XXXX  that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as XXXX XXXX at XXXXXXXX XXXX, an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit agency is : Experian I tried to log into my account to temporarily lift the credit freeze but even after providing my DOB and SSN, they kept saying that they dont have a match!! Ridiculous!! Then I called their ( no ) customer service number. OMG!! They simple will not allow you to talk to a human being. This is TOTALLY unacceptable. Please issue regulations to FORCE these abusers like Experian to make sure that their consumers like me can talk to a human rep, not a BOT!! They really should not be allowed to operate a business like this if they do not allow consumers to talk to their agents. I need someone from Experian to contact me and resolve the issue.

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 2022-09-29 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: PNC Bank N.A.
State: CA

Complaint narrative:
BBVA was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was charged {$36.00} on XX/XX/2022 and {$36.00} again on XX/XX/2022 for an {$8.00} purchase twice and I've been getting charged since XX/XX/2022 I made countless complaints even thinking that someone had stolen my card so I ordered a new one and I'm still being charged these ridiculous overdraft fees and I'm sick of 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 monetary relief
Consumer complaint received 2022-09-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I initiated a dispute for XXXX in the amount of {$48.00} in the middle of XXXX because the train was delayed and XXXX policy -- in accordance with XXXX  law -- stipulates that a delay entitles a customer to a refund. However, I was never provided the refund, so I opened a dispute. I have still not yet heard back from Chase regarding my dispute, and it has been over 90 days and 2 billing cycles, which is the maximum allowed time permitted by the FCBA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I had an injury to my XXXX  and needed time off that wasn't covered by sick leave and so am having financial issues, my bank stopped payment on the loan, I did not request a stop payment. Advance America has been calling everyday, sometimes twice. Due to financial difficulties I am in between phones now. I sent in via their email delivery system, that I needed an payment plan sent to me through email to start repaying the debt. They have now started calling my work place, I am uncomfortable discussing my debt at the work place. They have called once XX/XX/22 around XXXX and then again around XXXX. They were informed by our front desk to contact me via email. The woman responded that she has no way to do that. I have already asked them via email to cease and desist phone contact and prefer email. This seems to be harassment since they are contacting me at work. 
Also their repayment schedule makes no sense. All of the payments vary and are never the same which makes budgeting very difficult. Their interest is also absolutely ridiculously high and seems to fluctuate based on what they want to charge you for that period. They present you with an initial repayment schedule but once you start paying it off it disappears, the payments never seem to have an end date and can go on as long as Advance America deems appropriate. They take advantage of those in financial crisis. The in-person team I worked with before always seemed helpful but now that it's online it seems very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on 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 2022-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE OF COMPLAINT To : Experian XXXX XXXX XXXX XXXX, TX XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}. 

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX XXXX XXXX XX/XX/XXXX {$1000.00XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$16000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.

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 2022-09-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reported the XXXX  account on my equifax account as a violation of code 15 USC 1681B Permissible Purpose. This account is fraudulent and violates this code. It has passed 30 days and this issue has not been answered however the other letter to verify the info was answered and I have copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from Wells Fargo. 18 Years Wells Fargo already collected as much as possible & added me to collection years ago for this loan. Wells Fargo had the audacity to sell this account to a creditor that I had no clue existed, by the name of XXXX XXXX I, XXXX. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is XXXX  years ago! This account was closed over XX/XX/XXXX years ago. Its a dead account! Wells Fargo says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after XXXX  years, little the less after XXXX! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!

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 2022-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I purchased a XXXX gift card from XXXX on XX/XX/XXXX. Shortly after, I attempted to use the card at a seafood market. The transaction was declined, the merchant showed me his computer screen verifying the issuing bank declined transaction, however, a hold for the purchase amount of {$87.00} was placed on the gift card. On XX/XX/XXXX I called XXXX ( number on the back of the card ) and spoke with a representative who assured me that, without fail, the hold would be released on XX/XX/XXXX. Today is XX/XX/XXXX and the hold is still not released. I called customer service again and was advised the hold would not be released until XX/XX/XXXX. 
In addition, I have a {$12.00} balance on the card. I have attempted four separate time, at four separate merchants to use the card ( all amounts less than {$12.00} ). Each time, the card is declined for insufficient funds. Customer service has no explanation as to why these transactions are being declined. 
This company is holding {$87.00} of my money when the merchant has verified numerous times the transaction was declined and settled on their end. The small balance that is available is unusable because all transactions are declined.

Company response to consumer: Closed with explanation