vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I want to make all consumers and stores aware of more fraud being used by Wells Fargo banks. I opened a store credit with XXXX XXXX to finance new windows and siding on. When first on the website applying I did not know it was backed by Wells Fargo. Had I known prior, I never would have used their financing. As Wells Fargo takes extra steps to fraud its customers. I signed an agreement on XX/XX/2023. My contract states I would receive a promotion of 6.99 % for 48 equal months. My total amount is {$16000.00}. Even though the windows and siding where charged seperate days, they are both under the SAME promotional deal. which should make the payments {$400.00} My husband noticed an issue when the second bill arrived, that would show the charges for both windows and siding and it did not reflect an accurate amount. We are being billed {$400.00}. While this XXXX seem small, it adds up! I called Wells Fargo on XX/XX/XXXX and spent XXXX minutes on the phone trying to get them to explain their math. To which no one could explain. I finally spoke with a woman and was told she was further up the chain and could explain why my bill was slightly higher. ~ I recorded this call at this point~ She said to me that Wells Fargo XXXX my total amount and used a base intrest rate of 2.42 % ( not divided over months ) and that is where they come up with {$400.00}. That amount based on that math matches what my bill is. However it is NOT abiding to my contract and is allowing them to slip in {$3.00} extra each month. I was told I would go into a 10 day dispute process to resolve the issue, but only received another call on XX/XX/2023 stating they find no errors and the previous information was wrong. I recorded this lady also, because I'm also being charged ans extra {$27.00} intrest fee and their calculations are still incorrect. I was told that extra intrest fee was a 4.99 % charge on my monthly balance. To which she would bounce back and forth between 6.99 % and 4.99 % not making sense of why now I its an extra 4.99 %. I'm not sure if they simply read a script from a book, but when I would question her, she would claim she didn't say 4.99 % but said 6.99 %... again I would repeat and ask her to re explain the fees and she would say it again. I had enough of her XXXX XXXX XXXX  XXXX, and told her I was ending the call. 
I fully believe Wells Fargo is slipping in small portions of extra fees on every customer. Most consumers do not think to figure the math, especially if the amount is decisively close to the actual amount. 
Wells Fargo is also not keeping to their agreements with businesses to honor their promotions. Which most consumers will blame the businesses for

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank TJMaxx XXXX was closed without my knowledge or even a notice, I was checking my accounts and noticed it. Last weekend I checked my account and it wasn't paid with autopay that I set up in XXXX when I changed my bank account through their automated system, I also made the payment in XXXX. In XXXX when I noticed it didn't autopay ( last week ) I called them, made the payment and found out their system didn't change my mailing address or my bank account. While on the phone with them we fixed the address, banking information, I made my payment and disputed the {$38.00} fee they charged me for being late. I explained what I said above and they said they removed but that is when they probably closed my account behind my back. Last night when I. checked my credit report my points went down and when I saw Synchrony closed my tj max I was flabbergasted. I called them and they said I have 3 returned payments and there is nothing they can do. One was in XX/XX/2022, XXXX in for XXXX this year that I didn't even know about and XXXX 's payment wasn't done and I realized that ( last weekend ) that is when I called them. Synchrony bank hurt me during Covid by cutting my available credit in half even though I was in good standing. This system is destroying my ability to move forward in life and I beg you to please see what they are doing to hold me down. Their system did not make the changes I put in, I have even had a problem setting up autopay In the past just to be charged the hefty late fees. Please investigate them and open my old complaint if you can. Thank you for your valuable time.

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is my first bank account and I lost my job, i also lost my card due to my moving process. Overdraft fees was put onto my account that i didnt know of, also a fraudulent check was put onto my account which I had absolutely no clue of. I was getting paid monday so i can pay my overdrafts and i was informed by a representative that my account is in the process of shutting down. How do i reverse this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
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 2023-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
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 2023-06-10 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: AL

Complaint narrative:
I have a Amazon card through Chase Bank. 

On XX/XX/2023 there was an erroneous transaction from Amazon for {$150.00} Within minutes this transaction was corrected on XX/XX/2023 and Amazon refunded the amount back to the card ( Credit to Account to wash out the transaction ). 

Chase took the refund of {$150.00} and instead of applying it to the erroneous transaction, Chase applied it to a 0 % promotional finance special that I took advantage of to purchase a couch and treadmill from Amazon. My payments are to be {$81.00} monthly. Chase then treated the erroneous charge as a purchase though it states clearly in the statement showing amazon refunding this charge.

Chase then took the {$150.00} refund as real cash and not a refund and added that as a purchase under yet to be a charged interest balance. They deducted {$150.00} from my 0 % interest and created a transaction basically of $ XXXX 27.24 % APR. If I do not want to be charged interest I have to pay {$230.00} ( XXXX + XXXX ) to defer interest on a transaction that was refunded. 

So technically, the {$150.00} that was refunded was stolen by Chase and applied to a 0 % promotional special and then applied the refunded charge as a charge to my account at 27.24 % APR. 

I called Chase about this and they refuse to fix this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My credit was damaged its hard for me to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my 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 explanation
Consumer complaint received 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I bought a reservation for a camping pass in XX/XX/2023 with my Capital One Card. The Camping was for XX/XX/2023. The seller has a strict no refund, no cancellation, no date changes policy to the booking for the consumer. 2 weeks before the reservation, the vendor sent me an email that they were overbooked for that date, so made me pick a new date the following year. Capital One sent me a decline letter because its been more then 60 days since the charge. But according to XXXX 's own policy, I should have up to 60 days from data that services were supposed to be rendered. In addition, the bank is saying that seller has a no refunds policy so declining my dispute. But the seller broke their own terms and conditions of " No changes '', and in fact, the seller sold me services they didnt have ( overbooking ). Please help with this fiasco. The seller made the error by overbooking not me!

Company response to consumer: Closed with monetary relief