vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
It's hard to have the dates because dillards ( via Wells Fargo ) closed my account and opened a new one in my name, and I have lost access to all previous records. 

Around XX/XX/23 someone used my card/SSN t make a purchase at a physical Dillards store in XXXX, CA. I do not live in CA< nor have I ever been to a Dillard 's store in CA. I filed a dispute a few days later. I received temporary credit, but then was reversed when my claim was denied.

I called to complain, they re-opened the claim but said I had to pay a {$29.00} late fee and {$13.00} ( and running ) in interest. They sent me forms to dispute their denial, but are still denying my claim. I do not know what to do at this point, and they are about to ruin my credit. I had to file BK 7 years ago, and have had a perfect credit history since, and it is all about to get ruined. Every single time I call, they do nothing at all to help me, and will not even let me speak to anyone in charge, They said it was denied ( at first, at least ), because the rep who took my original claim, for some reason, included another charge from dillards.com ( which was a legitimate charge ). They will not stop talking about the charge I always ( and still ) acknowledge as legitimate, so I am getting nowhere.

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 2023-10-18 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:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

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 2023-10-18 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: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-10-18 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: SC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
Excessive fees phone calls and messages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was a victim of identity theft, and I called navy federal and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of navy federal not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought navy federal understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened aXX/XX/XXXXcompany in XXXX and with the help of my brother-in-law i am setting up another partner XXXX XXXX company in XXXX. 

For this purpose i opened small business account in Bank Of America so everything must be clean and under law. 

Also, for setting up company in XXXX I hired a freelancer agent in XXXX to setup the company and do necessary things. 

On XXXX XXXXXXXX XXXX  i initiated a wire transfer for around XXXX dollars to agent for his services. 

The wire went on hold since then. 

When i called bank on XXXXXX/XX/ they told me that because of suspicion on a name i mentioned in Notes of wire where i have mentioned my brother-in-law 's name. I told them that this is my brother in law and we are partner in opening up company in XXXX. But still they held it. 

When i called today, they say that i have to call them again and again every day, to find out about the wire transfer. 

When i asked them about till when the wire transfer be on hold, they said that there is no answer to that and that i have to check every day. 

So, First of all, instead of realizing it as a false positive on OFAC 's list where they are just hold money just because my brother in law 's first name matched with some sanctioned name ; they have not reviewed it in due time which was 48 hrs. 
Also, they are not able to provide any definite answer to till when the wire will be on hold. 

There should be a law protecting citizens from such false positive because there may be like millions of people with a matching sanctioned person 's FIRST NAME and the bank should not be allowed to hold wires just on the suspicion on FIRST NAME matching with some sanctioned person. 
Secondly the wire transfer should have an upper bound on hold and the bank should facilitate its customers instead of asking them to call again and again every day until indefinite period of time especially when average wait time for the call is 20-30 minutes. 

So now, my money is held, just think of that person who was helping me setting up company in XXXX and has been waiting for funds for his services since 10 days now ; and i don't even know how many more days or weeks or months ; as bank is unable to provide any specific time ; why me or he get penalized for false positive.

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 2023-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
After contacting XXXX XXXX Issue still is not resolved! THIS ACCOUNT WAS OPENED FRAUDULENTLY! 
THEY HAVE YET TO PROVIDE ME WITH DOCUMENTATIONS THAT HAS A SIGNATURE, PHONE NUMBERS, SOCIAL SECURITY NUMBER, OR DATE CONTRACT WAS FRAUDULENTLY HONORED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit 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: SC

Complaint narrative:
On XX/XX/ I booked a hotel for my upcoming trip to XXXX XXXX XXXX. They charged my chase freedom credit card XXXX. For the XXXX XXXX XXXX XX/XX/XXXX to the XXXX XXXX 
On XXXX XXXX XXXX XXXXXXXX I contacted the XXXX hotel to confirm my hotel reservation. I was told they didnt have a reservation and I needed to contact XXXX 
I contacted XXXX and chase bank that there wasnt a reservation on file for me and I disputed the charges. 
XXXX requested booking confirmation etc. which I could only provide the charges. I communicated with them up through XXXX XXXX 
I have gone back and forth with chase and XXXX 
I have provided the following information to chase bank in writing : Email from the XXXX hotel in XXXX  that they never had a reservation for me nor received any payments from XXXX covering a reservation. XXXX XXXX from the XXXX hotel XXXX Copy of Credit card charges. 
I want my money back. I had to book with another hotel for my trip. 
Ive attached documents to this complaint. 
Please advise if you need any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I went to Bank of America recently to cash a measly check for {$95.00} with Bank of America listed as the bank. 

I can not believe they had the audacity to charge me an {$8.00} fee for not having an account even though the check was drawn to be cashed at their bank. 

They charged me an {$8.00} fee leaving me with {$87.00} out of the {$95.00} check. I was shocked when I mentioned this to the bank teller and she told me that this was their policy. I was in utter shock and disbelief. This can not even be legal and then she tried to get me to open a bank account with them as well. 

I will not be doing business with Bank of America because how can you have a policy in place to charge individuals a check cashing fee for a check that can legally be cashed at your bank? I will be filing as many complaints regarding this matter as I possibly can. 

People are struggling and this makes no sense to me whatsoever. I went to the Bank of America located at XXXX XXXX XXXX in XXXX, VA I can not believe that this is what is going on and that they charged me an {$8.00} fee this is beyond egregious, to say the least, and unacceptable.

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 2023-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Portfolio Management had my account from Byte  I never made a late payment on. And I paid it off. But on my credit report its says I have a late payment. Ive contacted them and one of the representatives agreed Ive never made a late payment on but would not take the late payment off my credit report. This happened the week of XXXX XXXX of 2023

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect 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 non-monetary relief
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this 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 non-monetary relief
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with

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 2023-10-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank used my Social security for verification to open a CD & now I was notified that my XXXX was found in the dark web. Chase Bank ( Branch : XXXX, NY ) initially transferred money from my checking account to the CD but they did not do the transfer right so the money went missing as per bank staff & later found in their " unused funds '', they tried to correct it after I made a complaint although initially bank manager did not do anything to correct this. So this has occurred after talking to several people in the bank 's complaint department so my Social security was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

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. Act Name : XXXX XXXX  Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX Act Name : XXXXXXXX XXXX, Act Nane : XXXX XXXX  XXXX, ACT name : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Capital Link Management, LLC
State: WA

Complaint narrative:
Capital Link Management is not only sending unauthorized wrong-party phone and text debt collection messages to my personal cell phone, but they have revealed, in detail, the debt of a party completely unrelated to me in violation of the FDCPA. That detail includes, without verification of my identity or cell phone authorization, the wrong-party name of the debtor a detailed amount owed. 
Their ( now redacted ) unlawful message reads " Hello, XXXX XXXX, our office Capital Link Management, has been granted the ability to provide an equitable settlement or payment plan on Balance Credit, account. XXXX $ XXXX,. Option 1. pay one time $ XXXX, or $ XXXX, over a year period. Please Call XXXX at XXXX. Thank you. If you wish to no longer receive text messages, please reply STOP. ''

Company response to consumer: Untimely response
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I recently disputed two accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/23 dispute was filled. I received a response stating that the accounts was verified and updated.

I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX  Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. 
Best regards, 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 non-monetary relief