vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: TX

Complaint narrative:
on XX/XX/XXXX I checked my acct and noticed a transaction for XXXX for a room at the XXXX hotel in XXXX booked on XXXX I called wells Fargo and reported and unauthorized transaction they filed a fraudulent charge and closed that debit card and issued a new one the transaction was made on XXXX it appears that my card had been hacked or my acct had I normally get notices for transactions which are not normal practices but I didn't this time I have not received the letter yet but when I checked with the claims debt they advised me my claim was denied on XX/XX/XXXX and I authorized the transaction I am XXXX XXXX XXXX I receive a pension I do not have a passport and no one has access to my card I'm in XXXX XXXX  we are having issues here which may be why I haven't received the letter I believe if it was properly investigated they would be able to tell it was not 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 2024-07-14 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Hi, I am writing about a fraudulent charge to my XXXX XXXX XXXX XXXX through Barclays XXXX. On XX/XX/year> I had a fraudulent charge from a XXXX in XXXX  XXXX. I have record proving that I was at my hometown of XXXX, XXXX  that day and gym records showing I was in town. I reported this a fraud and closed my account. They said they would remove the charge and let me know once the investigation concluded. Since then, they have charged me late fee and interest. I have called a total of 8 times and had 1 online chat to try and get this resolved. They have credited back late fees for XXXX and XXXX, but continue to add them each month. They also reported this late payment to the credit bureaus and it lowered my exceptional score. I called and they said they reversed the reporting to the bureaus, but when I disputed with them, they said the charges were accurate according to Barclays. Customer service with Barclays also told me I would not be contacted anymore about the charge, but it is harassment at this point. They text, email, call and have now effected my credit score for a fraudulent charge of {$50.00}. Ive literally never experienced anything like this and had a near perfect credit rating. This is criminal at this point and I dont know what else to 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 explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p

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 2024-07-14 00:00:00
Product: Credit reporting 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Good Day. I have a personal loan with upgrade. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX  Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account 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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/2023, Chase Bank had closed my account with no explanation or reason, and since have banned me from accessing their products. They let me open a new account on the app, and once I deposited money, I couldnt use my debit card, or even withdraw my money externally. They gave no explanation, just stating that I had my account closed and wait 2 weeks for my account balance check to be mailed to me. There are no other banks inside of my small town but chase, and they are forcing me to have a check that I am unable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I recently purchased a home and used Newrez for the servicing of my mortgage loan as I currently have a loan with them. There was a last minute request for documentation at every turn. When attempting to contact anyone at Newrez I would be sent to voicemail the majority of the time. I was passed to at least three different loan officers, each time having to go over everything with them as they seemed to have absolutely no idea what was going on with my loan. The closing was delayed on their behalf with no explanation as to why. The deal was almost canceled by the seller as there was no communication by Newrez as to why there was a delay. Even on the day of closing the closing money was not released to the seller and we all left the title company with nothing in hand. Now, I have attempted to get my earnest money back as this is a stipulation by Newrez that if my loan did not close on time due to a delay by Newrez I would receive my earnest money back up to XXXX XXXX dollars. I have reached out several times to Newrez and every time I am sent to their collections division for no reason. Every person I've talked to there has no knowledge of what I'm speaking about. I've called managers, supervisors, and anyone who will actually pick up a phone and am continuously told they have no idea what I am talking about. Attached is a screenshot of the stipulation on the Newrez website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a victim of debt bondage, a severe form of XXXX XXXX  I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
As a victim of debt bondage, a severe form of human trafficking, I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, Im facing issues with the recent purchase I made. The access link to the course provided by the seller is showing an error and doesnt work. Ive tried reaching out multiple times, but I havent received any response.

There was no specification regarding the access duration for the content, which is typically supposed to be lifetime. I filed a complaint with PayPal, but the seller hasnt taken any action. After a few days, my account was blocked, and my complaint was denied by PayPal. 
I dont understand whats happening. I havent received access to the course I purchased, and the seller hasnt been willing to resolve my issue. I request that they reconsider their decision and find a reasonable solution for my case.

Im counting on the support of the team, and I await a response.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Dear Ally Credit Card Disputes, I am writing to file a formal complaint regarding the closure of my account without my knowledge. Despite numerous attempts to seek clarification and resolution, I have not received a satisfactory response from your team. 

On XX/XX/XXXX, I was informed by your Executive Customer Relations Department that a credit was issued for a XXXX charge, including interest and fees. However, there still remains a balance on my account which has not been addressed. Despite reaching out to Ally over XXXX times about both the closure of my account and the unresolved balance, I have yet to receive any resolution from your dispute department. 

I am deeply disappointed by the lack of communication and assistance provided by Ally Credit Card. As a retired service member, I find it unacceptable to be treated in such a disrespectful manner. I have spoken with several supervisors, only to be transferred or hung up on, with no tangible progress made since XX/XX/XXXX. 

I demand that my account be reopened immediately as there was no valid reason for its closure. Furthermore, I insist that the remaining balance be removed without delay. Failure to address these issues promptly will result in me taking legal action to seek resolution. 

I trust that Ally Credit Card will take this matter seriously and work towards a swift and satisfactory resolution. I appreciate your immediate attention to this pressing 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 explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I used the XXXX plug in on the capital one app to purchase a car on XX/XX/2024 for XXXX dollars. Never received the car. Disputed it with capital one, they denied it citing XXXX terms and services. Told me to contact zelle for more details. I did. XXXX couldnt even access the transaction because it was through my financial institute not directly through them. Said they dont have access to my banking info. Told me because I paid for an item I never received, my bank would have some kind of purchase protection and to call my financial institution back and dispute it as item never received. I did. Claim was denied again. I reopened it after filling a police report. After being advised this was an unauthorized transaction since the person I was doing business with IS NOT the person the money was sent to. I do not know, nor have ever spoken to XXXX XXXX ( the recipient ). I was doing business with a man named XXXX XXXX. Provided details of report including detectives name and number. Claim still denied still citing zelle. I just got off the phone with XXXX and they just told me the same thing again contact capital one and the transaction was not directly through their app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My home bank where my account was initially opened is at The State Employees Credit Union at XXXX, NC XXXX. 
For over a year now, I have had issues with account information such as my personal information on my account changing without my authorization. 
This past XXXX, I updated my information on my account at the State Employees Credit Union on XXXX XXXX because I was receiving notifications to a cell phone that should not be on my account. The number is XXXX. After making a purchase case, later I saw that this phone received a text message notification. I was strongly concerned because I have not been conducting online banking since XX/XX/XXXX, and the only way to change or modify these settings is to access an online banking account. I spoke with an attendant in the bank on XXXX XXXX late XX/XX/XXXX and we were able to disable this in my account. I explained to her that it was very strange to see this because I have not received any text messages to any device to inform me of purchases. On that day, I updated my security questions and I updated my three digit voice response pin.

Yesterday, my three digit voice response pin was not working as I was trying to access my information with a new card I was issued. I spoke with XXXX after calling customer service. She informed me that my voice response pin is different from what I have set it to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent accounts were opened. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent accounts off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did NOT authorize : 1. The following account is NOT MINE : XXXX Date opened : XX/XX/XXXX, account number XXXX XXXX. The following account is NOT MINE : XXXX Account number XXXX Date opened : XX/XX/XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX  Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. XXXX. The following account is NOT MINE : XXXXXXXX XXXX Date opened : XX/XX/XXXX. Account number XXXX. Please remove it from my credit report. 5.The following account is NOT MINE : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number : XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I keep getting emails claiming to be XXXX  but its not. Comes from email : XXXX And XXXX XXXX getting them daily saying my card was declined. Log in to see why. My card has never been declined. Nor do I even have a card ending in these numbers

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good Day. I have a personal loan with upgrade. They have recently reported my last payment on the loan late which is definitely inaccurate. Please remove this delinquent payment from my account 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