vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  there were six fraudulent charges made to my account totaling {$320.00}. I never received the PayPal debit card that was mailed out to replace the current one I have that is about to expire. It was stolen before I ever received it and used to to steal all the money in my Paypal account. I immediately canceled the card and filed a dispute with PayPal who did not respond until XX/XX/XXXX to deny my dispute and close them. I immediately refiled new disputes as I'm the victim of theft and fraud and my money needs to be refunded asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
On XX/XX/XXXX  I spent 3 hours on the phone with various Wells Fargo reps. trying to find out what fraudulent charges were on my credit card adding up to over XXXX, because Wells Fargo wasnt sending me my credit card statements like they were supposed to, but in XX/XX/XXXX  I put in a fraudulent dispute on several fraudulent charges on my account that Wells Fargo had me thinking they credited my account for.Wells Fargo representatives kept me locked out my credit card online where I couldnt review my account online. 

I learned that my Wells Fargo credit card has the wrong balance reporting to credit bureaus of over XXXX with over {$5200.00} being fraudulent charges. Wells Fargo was supposed to have been sending me printed statements, but Wells Fargo wasnt sending me my statements, so I dont know if these are new fraudulent charges or what bringing my balance that high!

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 2023-09-28 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: NC

Complaint narrative:
I am writing to request that you block the following fraudulent information from my credit report. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-28 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:
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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am owed {$990.00} for a vehicle we have purchased and had to send back because nobody had a tittle for it. It was payed in full and we are owed the remaining balance they sent a check with me and my fathers name on it and we could not cash it or deposit the check so I sent it back to them and they said they would not send another one and we could not use it as a payment for the vehicle we have now. I have tried numerous times to have them use it for the payments and they have refused to do so.

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 2023-09-28 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following alleged account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I'm requesting LexisNexis to reinvestigate and delete this account attached ( XXXX  XXXX Bankruptcy # XXXX ) Theyve stated everything was complete and accurate. But how is that possible if the date filed and much more is incorrect and whether if it's a XXXX  XXXX or XXXX XXXX. According to 15 USC 1681i ( 5 ) they are suppose to delete accounts if it isn't reporting correctly. 

Also. 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.

also, this account isnt in compliance with metro 2 credit reporting. Which is required by Federal Law. I have evidence to prove my case which is attached.

If your company doesnt honor my request to remove the above mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
Attempted to call Mohela to discuss repeatedly mishandled loan repayment plans. Called XX/XX/2023 around XXXX XXXX, at approx one hour on hold they hung up. Called back, waited again for XXXX min until they again hung up. 

Previously had been placed in the appropriate plan, recently got notice they changed so called the first week of XX/XX/2023, was told it was errantly handled incorrectly and they would have it fixed in XXXX business days. This led to the above call as this solution has in fact not been fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK 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 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX  a wire trace, and then a wire recall was sent to Citi Bank. 

The Recall Ref # XXXX Citi Bank is the intermediary bank that sent the final transmission of the original wire to XXXX XXXX  XXXX 

XXXX : XXXX Transaction Amt : {$23000.00} Original Transaction Date : XX/XX/XXXX  Wire Trans Reference # : XXXX  XXXX XXXX XXXX Truist sent the wire to Bank of XXXX , then XXXX XXXX XXXXXXXX sent the wire to Citi Bank , then Citi Bank claims to have sent the wire to XXXX XXXX XXXX  says they do not see a wire and they do not see a wire recall. 

Citi Bank needs to provide the information on the final transmission sent to XXXX XXXX. 

Citi Bank should provide exactly where the transmission was sent.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/2023 Wells Fargo decided to close my account because i received a wire that was not setup correctly from the person who sent the money to me. I explained that it was not my fault and they should go by the Fed # system related to the wire but they had frozen my account since then and set up a closer date on XX/XX/XXXX  and they extended the closure multiple times, ever time i call, they give a new date, it was supposed to close and today XX/XX/. they said, the closure date is XX/XX/XXXX  but i know they will extended it at that time again. 
This is not fair and i really don't understand why they are doing this, i can't use my money at all. 
I already went through the hassle to change all my payments/direct deposit to the new bank i opened. 
please help. 

thank you for your 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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple letters have been sent to Transunion requesting a block of information resulting from an account that is not mine. Transunion refused certified mail on multiple occasions. 

USPS tracking : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A letter with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft and FTC Fraud Affidavit was sent. I sent via regular mail on XX/XX/XXXX. Account was deleted from my credit report. Federal law requires notice to reinsert account, no notice given and account shows as a " charge off '' and reinserted today without notice. 

I have contacted XXXX multiple times and was told the company requested deletion, please see attached. Account also lists that it was closed in XX/XX/XXXX and opened in XX/XX/XXXX. How did an account close four months before it opened? 

Transunion has not provided any proof this account is mine nor have they provided information as to how debt was verified. XXXX has not provided any validation of debt despite being requested via certified mail 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 non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and TransUnion. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off 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 non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, Equifax and XXXX. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, Experian, XXXX and XXXX. Remove following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off 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 2023-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am co signed on my daughters student loan through Discover its been at least 10 years loan was XXXX and she still owes over XXXX this is stealing she is a mother of two and its very hard to make ends meet even with a college degree and this is just not right! In XXXX the interest rate is going up again so it will be well over 15 % if not higher! She has made 120 payments to still owe over XXXX! This is not fair and something needs done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M/I Homes, Inc.
State: TX

Complaint narrative:
I am being asked for the 2 most recent statements per my personal checking account and paystubs showing 30 days by MI Homes Financial. I sent them the information they asked for except I blocked out all but the last 4 digits of the banking account number out of privacy concerns. I do my best to protect myself against fraud. I also block out my employee id from my paystubs. After submitting it, I was told they needed the documents resubmit without blocking out the account number or employee ID. When I asked why they needed that information. This is the response I received : " Our investor and FHA will need to see all of the information reflected on the bank statements and the paystubs without any markings We have submitted documents in the past to our investor and FHA with mark-outs and obstructions, and they unfortunately kicked the loan back to us We would hate for your loan to be kicked back, so please be sure to resend your documents without any markings or obstructions '' As if they would deny me the loan for not sharing what I believe to be private information. This explanation does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I was called by a man impersonating Chases fraud department. He was able to execute a fraudulent wire transfer to XXXX XXXX totaling {$7800.00} from a joint checking account that my wife and I have with chase. We contacted chases fraud department on the evening of XX/XX/XXXX to file a claim. We were told that they would contact us in 3-5 business days with the result of their investigation. After waiting 8 business days I called their fraud hotline to get an update and was informed that they had closed their investigation due to the transaction being authorized by me. When I asked why I would authorize a transaction and file a fraud claim they told me that they could try to recall the funds. 2 business days later I called the wire research department to be informed that the receiving bank said that the funds were not available duh On XX/XX/XXXX I went to a local branch and spoke with a banker that agreed with me that chase had dropped the ball. She was able to kick my case up the chain to the branch escalation department. I received a call from the branch escalation department on XX/XX/XXXX who assured me that they would re open the investigation and do what they could to get my money back. On XX/XX/XXXX the branch escalation department called me again to inform me that they had tried again to recall the funds but the receiving bank had once again said that the funds were no longer in the account. I asked why the claim was closed since this was fraudulent and they informed me that because I was targeted by a scam that this was not fraud. I just want chase to fulfill the purpose of a bank and refund my money that they failed tremendously to protect.

Company response to consumer: Closed with explanation