vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I XXXX XXXX with account number XXXX from Wells Fargo baking, On XX/XX/XXXX there was a {$500.00} transaction from XXXX service through my bank, I havent sent any money to that person, I made a claim about this issue, and spoke with Wells Fargo fraud team, and they stated that my account was not secured and may had be compromised, they said they will do and investigation on the case and speak with the bank of the funds sent to, and denied my claim, next day the person who stole my {$500.00} texted me about and basically threatened me saying that he doesnt care about me reporting to the bank or reporting it to the police and that he wont give me money back, came to find out his name and last name which is XXXX XXXX XXXX thru the phone number that he managed to send money too which was his phone number and bank! Even with the proof I provided to Wells Fargo screenshoots and his name and phone number where he manage to send the funds and still wont help me!

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 2023-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I want to file a complaint against Marcus by Goldman Sach. in XX/XX/2023 I received a promotional offer from Goldman, it said if I open a new savings account and deposit {$100000.00} and stay there for 90 days, I would get a {$100.00} bonus, I opened one on XXXX XXXX and deposited {$10000.00} into the account and has been staying there until now ( more than 90 days ), but so far I haven't seen any bonus deposited into my account, I have complained a few times to Goldman in the last 10 days but they still refused to honor the promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
On XXXX I was a victim of fraud A person who said he was from my bank instructed me to buy gift cards to cancel a {$4500.00} charge on my credit card.. I was panicked and confused and followed their instructions. I purchased {$800.00} of gift cards before I found out it was a common scam involving older people. I'm XXXX. Because I actually used my credit card, the bank won't refund the money. I think they should consider my mental state that allowed this to happen. I disputed this twice, once with my daughter who told them I have some signs of XXXX, and when that was denied I reopened the dispute with the help of my case manager. They denied me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX and Javitch Block LLC have failed to provide me ANY of the requested information dated XX/XX/XXXX, XXXXeither by posting all the information publicly on the case court docket, attaching the documentation through the CFPBs Meditation Portal, through secured email or regular U.S. regular mail*. 

Javitch Block LLC, on XX/XX/XXXX, filed a motion to extend the time to response to this request to XX/XX/XXXX. This day has come and gone and as of writing of this letter NOT A SINGLE PIECE OF INFORMATION AS BEEN PROVIDED ( over 4 months late ) by any of methods listed above. 

I urge the Federal Government to action against Javitch Block LLC** for ramming through court cases that are seldom contested and result in judgements to the American public that is too busy or dont have the resources to defend themselves from such action. Because they have not proven otherwise, I believe Javitch Block LLC is filing lawsuits across the nation from a central location in Ohio for collection accounts suits. When a company is left unchecked, they will feel empowered to continue actions that may need to be corrected. PLEASE TAKE ACTION CFPB!!! 

* Complaints were filed with CFPB on XX/XX/XXXX ( # XXXX, answered on XXXX AND # XXXX answered on XXXX ) REGARDING NUMEROUS ISSUES ON THIS ACTION ** wide scale audits from across the nation for cases won by default and, as appropriate, criminal and civil penalties for breaking laws in place to protect the consumer at large

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 2023-05-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter to XXXX, XXXX, and Transunion disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.

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 2023-05-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I sent a letter to XXXX, Equifax, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXX  Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

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 2023-05-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged me overdraft fees and late payments

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 2023-05-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to XXXX and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on XXXX provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.

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 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Re : Notice of disputed charge to Account XXXX. XXXX XXXX XXXX XXXX Dear Sir : I am writing to dispute a charge of {$200.00} to my credit account on Chases XX/XX/XXXX statement. The charge is in error because the account was closed in XX/XX/XXXX and paid in full XX/XX/XXXX. Im requesting for the charge plus any interest to be permanently removed. Im also concerned that Chases continuous charges will be reported to the credit bureaus and negatively affect my credit. 

In XXXXXXXX XXXX XXXXXXXX, I received a statement for {$99.00}. In XXXX, I spoke with Chases customer service that transferred me to dispute representative XXXX that transferred me to XXXX, dispute representative. In XXXX, a {$50.00} credit was attached to my account from an overcharge dispute in XXXX XXXX  XXXX, but Chase attached to my account {$49.00}. Since XXXX, interest has been attached to {$49.00} and as of today the charge is {$200.00}. 

In addition to XXXX telephone conversations, a letter was sent disputing the charge and I requested the removal of {$110.00} on XX/XX/XXXX statement. On XX/XX/XXXX, Chase Credit Card Service, Customer Service, XXXX XXXX XXXX XXXX, XXXX, Delaware XXXX, received the letter, USPS, tracking no. XXXX, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION is posting inaccurate information on my consumer report which is causing harm to my personal life. TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX '' that is " 120 days past due '' yet it also claims to have a balance of {$0.00}. This information is from an account that was opened over 12 years ago, in XX/XX/2011. This report is inaccurate and needs to be removed from all consumer reports regarding my person furnished by TRANSUNION. I have tried disputing with the company through XXXX and had no success. I have also already filed a complaint here with the CFPB and yet TRANSUNION continues to violate my rights as a consumer by publishing my personal information against my consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports. I am not asking for TRANSUNION to conduct a fraudulent investigation to verify any account. I am telling TRANSUNION that they do not have my consent to publish this information on my personal credit report. Further use of this information will directly result in TRANSUNION committing Identity theft against me and will be punishable by law. Even here on the CFPB website it clearly states that " Stealing your identity could mean using personal information without your permission ''.

Clearly TRANSUNION is in violation of the law.

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 2023-05-12 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 card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to Experian and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on Experian provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.

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 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I opened a Money market Savings account and met all the requirements to receive a bonus of {$500.00}. Per Ally bank, the bonus should have deposited on XX/XX/XXXX. 

After not seeing the bonus for a month, I called and got XXXX # XXXX opened. 

Then on XX/XX/XXXX I got a voicemail from Ally bank and called them back and spoke to a person named XXXX, who informed me that the bonus was deposited, but into another account. That account is not owned by me, but by a XXXX which was set by me and my husband. 

XXXX said she will correct it and she executed a transfer of {$500.00} from the XXXX account to my account. But while this corrects the balance, the bonus is taxable and is included in the XXXX interest. I told her the XXXX interest is now wrong on two accounts. 

Hence, these are the issues involved that CFPB and regulating agencies need to look into : 1 ) ALLY Bank deposits bonus late by over 2 months 2 ) ALLY bank put the bonus into another account with different title and ownership 3 ) ALLY bank call center representative is authorized to move money from one customer 's account to another customer 's account - which is very dangerous.

4 ) ALLY bank deposits the bonus two months late and says they do not owe me any lost interest on the late deposit of the bonus, implying that they are not bound by the terms of the initial account opening agreement.

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 2023-05-13 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: FL

Complaint narrative:
I am interested in processing disputes on all information on my credit report with transunion. looking at all the errors this has been hurting my file. delete the information requested asap.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So I sent a letter of to the consumer reporting agencies Experian XXXX and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX  According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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