vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check and on the receipt was written that the deposit would be avaiable the next morning. I ordered an expensive construction system to be installed and found the a hold was placed on the depost for 12 days. 
I relied on their written statement as to when it was to be made avaiable and now will not have the funds to pay my obligations. 
I have been told by the person who wrote the check that it was removed from their account already and the bank will not release the hold. 
I could understand a hold on a check but all they had to do was not put in writing that it would clear the next day and then not clear it. 
It is for a large amount of {$500000.00}, but it is not uncommon for large checks such as that to be deposited in the account. I put checks in for over a XXXX and this has never happened. they claim that I exceeded my daily balance of {$5000.00} was the reason for the hold. that limititation has never been on my account before and I usually deposit far more than that over the years. 
I have also been informed that the check was paid by the back on which it was written. 
Wells Fargo is holding money that has already been paid by the other bank and refusing to release it. 
This will destroy my companies credit rating and I have no recourse.

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 2023-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TrueAccord Corp.
State: FL

Complaint narrative:
True Accord a charge off company that took ahold of XXXX XXXX XXXX XXXX says I owe {$290.00} for a purchase that I did not make The date was on XXXX I was just aware of this on XXXX. I reach out to company No phone call back or email Im asking for removal of this

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : PLEASE RESTORE MYEQUIFAX.COM ACCOUNT. WHEN I LOG INTO MY ACCOUNT, I CAN NOT SEE ANYTHING WHEN I LOG INTO MYEQUIFAX.COM ACCOUNT. THIS SEEMS TO BE AN ONLINE WEBSITE TECHNICAL ISSUE. PLEASE FIX THIS. I CAN NOT SEE MY REPORT, MY SCORE, AND ALL MY INFORMATION IS WRONG. PLEASE CORRECT AND UPDATE MYEQUIFAX.COM ACCOUNT PLEASE. I HAVE CALLED MULTIPLE TIMES OVER THE PHONE AND NOTHING HAS NOT BEEN RESOLVED. I WAS TOLD THE TECHNICAL SUPPORT TEAM WOULD FIX THIS, BUT IT HAS BEEN OVER 1 MONTH SINCE THIS ISSUE HAS NOT BEEN FIXED. PLEASE FIX THIS ISSUE. I HAVE ATTACHED PROOF. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received a vanilla gift card as a gift. It was for {$30.00}. The card numbers are not readable on the front so therefore I cant activate it. When I called customer service. They told me there is nothing they can do for me. This outrageous and theft. They are stealing peoples money. There are numerous other identifying numbers on the back of the card. There has to be a way for me to use this gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Me and my wife are being over priced by credit acceptance. We had our car since XXXX. When we look at our credit acceptance portal we noticed our remaining balance is completely different than what's on credit reports nearly XXXX dollars. We truly believe they are not reporting correct balances to credit viewers. We are also individuals who pay them XXXX dollars each month and never was late for payments. Something about our contract was wrong or not known to us. Our vehicle is a XXXX XXXX XXXX. We have so far paid XXXX dollars but have XXXX dollars remaining balance.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I have Opened 2 Account with bank of America, and the When i get bounced checks, they will charge me The fees of bounced checks and over drafts many times-maybe 5 or more times until i bring the balance above, and when I have compained about it they closed my both account.

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 2023-09-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/PHILLIPS66, XXXX XXXX XXXX, XXXX, FL XXXX SYNCB/PHILLIPS66 has a inquiry on my under my name & social security number. I did not apply for Phillips 66. I contacted them with lifelock & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am requesting XXXX XXXX account XXXX XXXXXXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, XXXX and Equifax are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXXXXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for XXXX is reporting charge off XXXX when Eqifax is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am requesting XXXX XXXX account # XXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, Experian and XXXX are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for Experian is reporting charge off XXXX  when XXXX is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.

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 2023-09-02 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: NY

Complaint narrative:
I Have been disputing these fraudulent inquires on my credit report for the pass couple of months now and the credit bureaus have yet to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I stupidly applied for this card to get a bicycle. 
I never received anything in the mail for it. 
Eventually I would get Late notices in my email. 
Id make a payment through that... never having an account set up, this was the only way I could ever attempt to pay. 
I would do that. 
Id get an email saying payment never went through. 
For months this continued. 
I think 3 payments out of about 10 went through. 
now I am way behind, and about to have over 20 % interest because this company is XXXX. 

Contact support. There is no support. They give you links to chat that dont work. 
Call them. No humans, just machines repeating information that has nothing to do with my call. 

THIS IS INSANE! 

IVE NEVER HARD MORE TROUBLE TRYING TO GIVE SOMEONE MONEY IN MY LIFE. 

Now because they made it so hard to do... amazing.. I owe them more money. 

XXXX 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 2023-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I got a call from upgrade about personal loan. I verified with upgrade. Upgrade said there is a loan applied with my identity. I informed immediately close the account dont disperse funds. 
I also got call from XXXX XXXX platinum card about fraudulent account I replied immediately close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
I was trying 15 day free-trial home internet with XXXX on XX/XX/XXXX. I cancel the internet due to their internet not compatible with my work environment and return their equipment on XX/XX/XXXX, which is within 15 days. After a month, I received bill from XXXX for unpaid bill. I was verifying on XXXX XXXX official account, and I was told that it should clear within 1 or 2 cycles. However, XXXX kept sending me bills for 2 more cycles with additional late fee every time. I went in store and talked with the staff there on XX/XX/XXXX, he said I need to paid {$25.00} upfront and they'll refund me later time. So I paid {$25.00} and they said late fee should be waived as well. Note at this time it is still within due day of latest bill I received with 2 times of late fee. 

However, a debt collection letter was sent to me from Convergent Outsourcing on XX/XX/XXXX, which is before the billing due date of amount of {$39.00}. And I receive the letter at a much later date. To me this is unethical practice to send their bill to debt collector before billing due date. And they did assure me everything should clear from my account multiple times.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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 XXXX : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXX : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
I am writing this letter in response to the court summons served to my family on XX/XX/2023. I was appalled to learn that the summons was handed to my XXXX son, causing him undue stress and XXXX, as well as causing embarrassment to me and my family. I want to make it clear that such conduct is unacceptable and likely constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as other state and federal laws that protect consumers from harassment and unfair practices. 

Firstly, I request the immediate removal of the collection related to this account from all credit bureaus and revocation of the court threats. Failure to comply could result in legal repercussions, including but not limited to lawsuits, and reporting of the violation to regulatory authorities. 

Secondly, I demand a formal, written apology to me and my family for the emotional distress and embarrassment caused by the inappropriate delivery of the court summons to a minor child. 

Lastly, I insist upon receiving competent evidence of the alleged debt and my contractual obligation in relation to the tradeline in question. According to Section 809 of the FDCPA, I have the right to request the validation of the debt. Until such validation is provided, you should not continue any collection activities related to this account. 

If you fail to provide competent evidence of my obligation to this debt, cease and desist all collection activities immediately, including reporting the debt to any credit bureaus. 

Please treat this letter as an immediate request for action, and confirm your compliance within 15 days of receipt of this letter. Failure to comply will result in me taking legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I used the company Affirm to pay for some purchases I made. I was making my payments on time until they locked me out of the account because of an unauthorized user! I contacted them before any payments were late trying to pay over the phone they cant take payments because they cant access it either! This started in XXXX they caused me to become past due and have trapped me into a past due status. How can they look me out of my account not take money over the phone cause me to be late on payments and not fix it! Affirm literally is reporting me past due when they wont allow me to pay and to this date I am still locked out. There customer service reps tell me over and over they are fixing it yet they reported fraudulent information stating I am past due. I contacted this company before any payments were late begging them to fix it but yet I get no where. I want this fixed this caused my credit score to drop XXXX points. No one is helping me and this company is being allowed to report fraudulent incorrect information please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They wouldn't listen to me regarding this one purchase even after I.D . theft had been proved. It was from XXXX and therefore must be mine. They advised I go ahead and pay for it and it would be refunded later once the I.D . theft had resolved. They then went and reported me as 30 days late after telling me they would wait for the resolution. By the way, the theives also bought something from XXXX on one of my other cards and the card refunded the money to me immediately. Wells Fargo has had many complaints about their business practices and now I see why. I just want the 30 days late removed.

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