vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Original Transfer Amount : {$2500.00} Date : XX/XX/XXXX WF XXXX ( XXXX ) WF XXXX ( XX/XX/XXXX ) This is my second complaint opened for the same issue ( XXXX ), I would like to include more details this go about. Currently my claim status is closed and the bank is " awaiting recovery '' of the funds from the external bank. At this point there are two problem that I would like to address, firstly I have not received communication as to what went wrong with the original transfer, the bank is saying it is completed yet they can not get in touch with the receiving bank to verify this. Secondly I sent a successful wire through a branch using the same information I typed online and it was successful. It is my assumption that Wells Fargo somehow sent the instructions incorrectly to the receiving bank and because of this the receiving bank ( XXXX ) either did not deposit the funds to the correct account or they deposited into their bank general ledger. I think this because at no point have I been informed of an error made by myself. If the bank is responsible for the error than they should write off the transfer as a loss and credit the funds back to my account. Also I am not sure how they can assume it was completed if they can not even verify it with the external bank. I was told when I called in that their wire operations team could not get in contact with the bank. It is my feeling that WF is covering up there mistake and passing the blame on me without saying either way. If the instructions were provided in-correctly then the wire should have been reversed by default. This has been an ongoing issue for over 3 months at this point, I am livid with the pace of this and require answers. I am coming to the conclusion that Wells Fargo is purposely with-holding my funds due to the impending recession.

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 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2022, i received an email from American Express for a XXXX card offer with a bonus of XXXX miles, if I charged {$3000.00} in the first 90 days. I already have a gold card with Amex and the new offer was because Im a customer in good standing. I clicked on the apply Now button, was immediately approved. 2 days later I received notification card was delivered. I hadnt received it, was unable to freeze it so no one could use it. I called customer service, the representative froze it on my behalf and answered my inquiries about the miles, when, how much and so on. I finally got the card 2 days later as it was delivered in error to another address. I immediately used the card to purchase several items, spent {$2500.00} and researched my account to see exactly how much was needed for me to reach the {$3000.00} amount required for the miles. I found nothing. The sign-up offer disappeared. I called and a representative told me, the offer was canceled. He didnt know why, when, or how. I kept all emails as is my practice and found no mention of the offer being withdrawn. 

I sent a complaint by email to the Executive Team. XXXX with the executive team called me this morning. He insisted that their system has a pop-up which tells the applicant the offer does not apply. He couldnt produce such pop-up and said if I produced a subpoena he would then do it. I asked to escalate and he arrogantly responded that he was the highest authority. And nay the CEO is above him. I asked him to send me a letter reiterating what he said. He refused to do that too because the Executive Team does not do that. 

My credit rating is XXXX and my cards are paid in full monthly. There would be no reason for me to apply for a credit card which has a {$250.00} annual fee except for the miles offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MA

Complaint narrative:
The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to experian and XXXX Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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

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 2022-08-16 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: MI

Complaint narrative:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXX XXXXXXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-08-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  Original creditor XXXX XXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MI

Complaint narrative:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXXXXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit report agency Equifax is missing two credit cards im my credit report. I already talked with the them and with the banks. The problem is not fixed yet. 
Bank XXXX XXXXXXXX XXXX card ending XXXX {$4400.00} credit limit missing by Equifax XXXXXXXX XXXX  card ending XXXX {$7500.00} credit limit missing by Equifax So the credit utilization in my report should be 20 % and due for this they are showing 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received credit alerts on XXXX app mfor hard inquiries reducing my credit score. XXXX XXXX confirmed a credit card and checking account were opened using my info. Capital one XXXX card was applied for and a XXXX card was applied for. I found an address on my credit file of XXXX XXXX XXXX XXXX XXXX XXXX code XXXX which is the address of XXXX XXXX date of birth XXXX phone no XXXX. Her social security no is XXXX. She has spent time in XXXX for bank fraud and I have text message telling me she accessing bank records because that's what she does for a living

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Thank you very much 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 2022-08-16 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and that violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX, XXXX, XXXX, XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX Reporting a late payment as of XX/XX/XXXX and I do not have an open account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX, XXXX I requested a copy of my Equifax Credit report.and received a copy on XX/XX/XXXX. To dismay, it contained entries that were included in a Bankruptcy in XXXX and were reporting as negative : ( 1 ) XXXX XXXX XXXX ( two entries ), ( 2 XXXX XXXX XXXX Bank, ( 3 ) XXXX XXXX XXXX had a note stating that this account had been sold to another company even though it was in bankruptcy filing. Equifax removed the two XXXXXXXX XXXX XXXXXXXX accounts and XXXX XXXXXXXX account, not the XXXX Bank account. I filed a dispute. Today, I checked the status of the disputes and discovered that the aforementioned accounts have been re-added and the XXXX was reported as correct. In addition, my credit score dropped from 690 to 668. There were hard inquiries by companies I have no knowledge of : ( 1 ) XXXX XXXX, ( 2 XXXX XXXX. I have not applied for any loans or other services from these entities. Equifax employees have been rude and totally disregard the rules of decency, and the law. I want this incorrect and harmful information removed immediately as well as unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: Holiday Finance Corporation
State: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank XXXX XXXXXXXX 15 USC 1681 Section 602 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 a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I paid {$330.00} to Apple / Goldman Sachs, to then complete my online purchase, and my account balance immediately reflected the payment, from {$2000.00} down to {$1700.00}. So then I tried my payment again. It was declined. I called Goldman Sachs customer support, and they said I'd have to wait XXXX DAYS until the payment was applied. I asked to speak to a manager, XXXX. She said there was nothing she could do. Goldman Sachs needs to fix it's broken systems and give me the credit to use on my account immediately when I make payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MA

Complaint narrative:
The account in dispute is # : XXXX being reported by XXXX XXXX XXXX XXXX reporting to XXXX and transunion Date opened was : XX/XX/XXXX Account closed on : XX/XX/XXXX Showing multiple late payments from XX/XX/XXXX - XX/XX/XXXX High balance of {$10000.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I wrote a check from my personal checking account at XXXX Bank on XXXX XXXX, XXXX, to an incorporated roofing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The check was stolen along with other checks from a USPO mailbox on or about XX/XX/XXXX. An individual deposited the check into a personal checking account at Wells Fargo Bank and cleared my account on XXXX XXXX, XXXX. The individual is not related or affiliated in any way with the roofing company. My bank, XXXX made a formal request to Wells Fargo Bank for a Breach of Warranty Claim- Presentment Warranty stating the type of Warranty Claim was " Indorsement is Missing/Unauthorized/Fraudulent. To my knowledge, XXXX Bank has not received a formal response from Wells Fargo regarding the Breach of Warranty. 
I filed a claim with CFPB, claim # XXXX. CFPB forwarded the complaint to Wells Fargo who replied to me and with a copy to CFPB stating that " the bank can not assume any liability when a customer chooses to do business with questionable individuals ''. CFPB responded to me that the company had responded, and the case was closed with explanation. I would like to appeal the decision of CFPB to close the case, based upon the unauthorized Indorsement by a customer at Wells Fargo Bank.

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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo customer service is failing to timely resolve my request to unfreeze my account and unfreeze {$1400.00} that was in my Venmo account. The {$1400.00} was attempted to be transferred out fraudulently but the account is frozen. Venmo continues to have multiple people contact me and offer the same solution of resetting my pw, but this isnt unlocking my account or access to my funds. This has been going on since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief