vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2022, I opened an account with Wells Fargo for a Credit Card that included a promotional purchase period and promotional balance tranfser offer. On the same date, I was approved for a a balance transfer of {$6000.00} to XXXX XXXX. On XX/XX/2022, I had still not received my credit card or had a balance transfer completed and called Wells Fargo support. Tier 1 support did not understand the issue, so I was escalated to tier 2 for better suport. Teir 2 support informed me that my balance transfer funds of {$6000.00} had been released to XXXX XXXX and would post by XX/XX/2022. Tier XXXX support also informed me that my credit card had shipped and would arrive shortly and that any promotional offers would be extended accordingly. On XX/XX/2022, I received a letter from Wells Fargo that my " balance transfer for {$6000.00} to XXXX  XXXX was not completed because... have not received your new account credit card .... '' Although I was told by tier 2 support that my funds had been released on XX/XX/2022, they had not and I was subsequently notified that this was incorrect. Upon account opening, I was informed that my card would be received within 7-10 business days and my balance transfer would be completed within 2 weeks. Both of these timelines have been blown out of the water. Furthermore, upon speaking to the executive support team on XX/XX/2022, I was informed that the promotional offers WOULD NOT be extended even though I was unable to leverage the promotional offers due to delays caused by Wells Fargo. Wells Fargo support have been unproffessional and downright uneducated on the terms and conditions of the opened accounts. At this point, I wish I had never opened an account with Wells Fargo.

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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-05 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: OH

Complaint narrative:
n 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 : # XXXX, XXXX  : # XXXX, XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 information 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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I provided my PII to XXXX XXXX for the purposes of a soft credit pull for prequalification without an impact on my credit score. XXXX XXXX then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted 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 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I am allowed under the HIPAA Law ( Health Insurance portability and accountability Act of 1996 ) to protect my privacy and medical bills from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you

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 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you

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 2022-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My credit score is a big part of, my identity, everyone has made mistakes, however I have made improvements towards, all three credit bureaus, having a poor credit score is embarrassing, unpleasant and frustrating for everyone, especially those who dont have any money to invest or make payments for their loans or mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
I recently sent a 609 letter to this company requesting they verify/validate this debt by sending payment history, purchase history, application and contract and I have yet to get any of this information from them. By law they are required to provide this information to me, if they arent able to provide it I need everything associated with the accounted deleted. Thanks

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 2022-12-05 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All XXXX XXXX accounts, JPMCB Card, and XXXX XXXX account balance {$570.00} does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XXXX XXXX sent Nation Credit System Inc XXXX  mail letter .To not to contact me by mail, phone in anyway until they have verified the debt.They haven't seen me any verification of any sort.They wrote me a letter not giving any proof to debt, but threating to sent said debt to credit bureau.Threating my to make it difficult to get credit, or housing.This is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I opened a Checking Account with Citibank online and funded it with {$1000.00}. 

On Tuesday XX/XX/ I received an email congratulating me on my enrollment in the Member Cash Checking Offer. This email stated I would be eligible for up to a {$1500.00} Cash Bonus if I deposited {$200000.00} or more within 20 days of opening my account. 

On XXXX XXXX XXXX  I deposited {$220000.00} into my account which was within the 20 days of my opening my account on XX/XX/XXXX. The program required me to maintain the balance for 60 days- which I did ( well over 100 days ). I kept the balance over {$200000.00} until XX/XX/ when I eventually started transferring the money to other accounts and it dropped below the {$200000.00} I never received my bonus cash. 

On XXXX XXXX  I reached out to my banker via email to try and resolve this. I've been told that the Promotional Dispute team is looking into it. It is now XX/XX/XXXX and I have not been paid my promotional amount and I feel as though the bank doesn't care to resolve this. 

I consulted an attorney and she recommended that I try this route before taking legal action.

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am disputing charges with this account. I was told they sent me a letter and have been sending letters about recurring draft that I di not set up. On a call today, I was told they did not have to send to me, but then later in the conversation it was then said they sent it but have no copy to send to me. 
]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 I took my California Middle Class Tax Refund Card to the CHASE bank in XXXX, California to redeem for cash. I was informed that there would be a fee of {$5.00} to redeem the card for cash even though all the paperwork that I received indicated that the fee would only be {$1.00} I talked to XXXX bank tellers and they both told me that the {$5.00} fee is out of their control and that they must charge me this fee. On the local news that night a segment on " XXXX XXXX XXXX XXXX '' talked about the fee only being {$1.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This debt collector is attempting to collect a debt I don't owe, the insurance company progressive who had insurance with I canceled policy, and want to say I owe them which I don't. Please send me authenticated validation of alledge debt. This is Defamation of character according to 28 usc 4101 ( 1 ) 15 usc 94 6801 CEASE AND DESIST from contacting me in all forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-12-05 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: TX

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
After reviewing my credit report I have noticed several accounts that do not belong to me. I ask that these be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over several years I managed to use my XXXX XXXX cash-back credit card to accumulate over XXXX redemption points ( to be translated in dollars by Citi card ) Upon my request to redeem these points, I received a check for only $ XXXX XXXX. XXXX XXXX of what it should have been. Complaints to Citi Card fell on deaf ears. No response. Can you do anything to help? ( Citi Card  now advertises XXXX XXXX cash back ) Thank You!

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 2022-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
All 3 credit bureaus are reporting monthly three private loans with Navient. I have no knowledge of these loans. They are reporting loans were purchased from " XXXX XXXX  XXXX ''. I reached out to XXXX XXXX  XXXX many times and they don't have any accounts associated to my name, social security number, or d/o/b. I have requested countless times from Navient to provide me the original master promissory note from XXXX XXXX XXXX  and they have failed to produce the documentation. Navient Account XXXX was reinvestigated by XXXX and determined to be fraud and was deleted from my credit report and Navient is still requesting payment from me. XXXX XXXX XXXX can only give me a letter if i have previously applied for a loan since i never applied for any loans they cant provide me a letter. The three credit bureaus over the years have not conducted accurate investigations or provided me with documentation of the proof Navient has provided these loans are accurate. My university is suppose to approve loans distribution my university or Navient don't have any documentation on who approved these loans. By law Navient has to provide me the original promissory note from XXXX XXXX XXXX  with a wet signature that i signed. I have yet to receive this information. All parties have done a poor job assisting me in finding a resolution. I filed a police report with the XXXX police i will attach and i reported this to the identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXXXXXX has violated my rights on my equifax report In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX has violated my rights on my equifax report In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXXXXXX has violated my rights on my XXXX report 15 USC 1681 Section 602 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 with my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. Transunion is reporting a balance of {$7600.00} with a derogatory payment status, XXXX is reporting a balance of XXXX with a current payment status and, XXXX is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item 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 2022-12-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$7600.00} with a derogatory payment status, equifax is reporting a balance of XXXX with a current payment status and, Equifax is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting my life.

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 2022-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I noticed on my credit report that there is a Capital One Account balance {$510.00} that does not belong to me. I had my identity stolen and had a police report submitted. I ask that this account be removed from my report and any hard inquiry attached to this account be removed.

Company response to consumer: Closed with explanation