vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Had an existing account with Well Fargo Bank with minimum payment of {$190.00} and interest rate of 7.90 %. Made a new charge on XX/XX/XXXX of {$1200.00} with 0 % interest if paid in 12 months. New minimum went to {$240.00}. Was advised that new minimum payment would not satisfy new 0 % rate so I would need to pay more to satisfy the amount. Wells Fargo stated : '' We apply any payment amounts in excess of minimum payment first to balances with no interest if paid in full during the 2 billing cycles immediately preceding expiration ( XX/XX/XXXX ). I paid an additional {$1500.00} during that period, above the {$190.00} min payment due on original debt. I am now being told that not only is there still a balance on the {$1200.00} still owing but the interest rate is at 28.99 %!!! I feel this is unfair to me as a consumer and I even called during the payment period to ask Wells Fargo and XXXX XXXX how to pay to make sure I got the 0 % paid off and was told to just pay extra. I feel I was deceived and this has cost me double what I owe. I am a XXXX  citizen on a fixed income and this has greatly impacted my finances!/

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 2024-04-11 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: 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. 

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report including my signed signature saying I agreed to the contract that your trying to collect.Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
XXXX weeks ago i open an account on Wise. 
Transfer almost XXXX dollars toy account through bank transfer. 
On XX/XX/XXXX wise Deactivated my account for no reason and didn't accepted my appeal. 
I filled a form to get refund the money in my accotun on XX/XX/XXXX. The suggested that in XXXX to XXXX working day i would get information about the refund or the money. 
It's the fifth working day and no one in wise tell me any information about my deactivate account and my refund. 
Support can't help me, wise doesn't have any other way to get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Amount Owed {$2400.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date XXXX Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date XXXX Closed Date XXXX Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case XXXX When my CD closed I never got the check in the mail. 
I submitted an affidavit, and they were going to resend after XXXX  days, I was upset at the unreasonable delay, but I went with it. 

They Promised, many times, to send the new check XXXX. 
I called for the tracking number, and they said they sent it regular mail. 

What happens when I don't get my money again? 

Why is the bank allowed to steal my money with no recourse? 

I feel like my only option is to sue, maybe Capital one needs a lesson like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank XXXX my account was blocked due to fraudulent activity even though I was issuing my card all day in XXXX. I called the fraud department as requested to verify it was me. Note they left me at a restaurant unable to pay my bill. I call them and they ask for answers to security questions which they say are wrong. They ask for the phone number on my account to verify ( which is the only number I have and Im on my Citi app literally looking at the number I have on file ) and they say thats wrong and they cant verify me. They said they would have to send a letter with a verification code to call back once I got it that it would take XXXX business days. I wait 10 days goes by and I havent received the letter so I call and they said there is nothing they can do until I receive the letter. Originally they said they sent it on XXXX but when I called back they changed fact of what they said and said they mailed it on the XXXX that it would arrive by XXXX. I waited till the XXXX and still have no letter so I called they stated theyve exhausted all the verification processes that I have to wait for the letter. Since all this has been going on Ive received multiple letters from them about my account and this letter never shows? Not making since. They have caused me many damages over this. I want access to my money so I can move on from this terrible 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 2024-04-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
the credit card companies could not provide me with statements or payment history when i contacted them by phone.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a cfpb complaint to resolve a charge off on my credit report. ( Happened during XXXX ) In the consumer protection bureau complaint XXXX  XXXX XXXX leaves a phone number to call and do not respond to complaints. I have been calling and leaving messages for 2 years and no one ever picks up or calls you back. The voice mail says XXXX XXXX  to XXXX XXXX  est time. I called the charge off department today and spoke to a XXXX about XXXX XXXX  east XX/XX/year>. He said he would help but left me on long hold. He apparently was attempting to transfer me to different lines, it seems like it was call avoidance. Finally they answer XXXX and she said it is new in their department charge offs so she spoke to her manager and they said I need to speak to credit cards, then she transferred me the call gets disconnected! XXXX  XXXX XXXX gets paid for reporting bad information on your credit so they are not trying to help me. In 2 years it will be off my credit but I am a XXXX  business customer also I was trying to resolve it! They put a resolution number to CFPB and do nothing. How does the government let this happen to consumers. We are not protected. They did not respond this service is supposed to have the company respond

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked back on my report on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. As well as multiple phone numbers. I have attachments that will show inconsistent information.

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 2024-04-11 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant XXXX, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested that my personal information be updated with XXXX, Equifax and XXXX. As of this date this information has not been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am a full class member of Sweet v. Cardona, and my XXXX XXXX to XXXX XXXX was approved by the Department of Education on XX/XX/2024. 

Nelnet is my loan servicer, and they have sent correspondence stating I have a payment due on XX/XX/2024. 

None of my loans have been XXXX, and I have not received a refund. 

Forcing Sweet v. Cardona class members back into repayment before their discharges are complete is a violation of the settlement. 

I respectfully request Nelnet to return my loans to XXXX XXXX pursuant to the settlement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Loan amount is incorrect. It Went from XXXX dollars to {$150000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Last year when I was booking a flight with XXXX XXXX, a promotion stopped me and asked me to apply for a credit card. It promised XXXX bonus miles plus {$200.00} statement credit. Later I got the XXXX bonus miles. However, I have never received the promised {$200.00} statement credit. I have called and written letters to them. To my dismay, there was no help. Their response was so brief and very confusing. They never told me when they would give me the {$200.00} statement. I am very disappointed about them.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been in communication with XXXX about inaccurate personal information on my credit report.Even after notifying them about this error they still continue to report this incorrect personal information on my credit report. Not only it's unfair, it's illegal.By law 15 US Code 1681 ( b ) it clearly states that your reporting agency must follow reasonable procedures. 

Inaccurate personal information : REMOVE THESE HARD INQUIRES : XXXX XXXX  XXXX My only address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip code 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-11 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: MD

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX received via certified mail my letter to OPT OUT of future reporting of my account transaction as they are illegal to be reported per 15 USC 1681a ( 2 ) ( a ) ( i ). XXXX XXXXXXXX XXXX XXXX responded with an acceptance of my opt out. 
This morning they reported Transactions History information they stated they would not as they accepted my OPT OUT.

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 2024-04-11 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: MD

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX received via certified mail my letter to OPT OUT of future reporting of my account transaction as they are illegal to be reported per 15 USC 1681a ( 2 ) ( a ) ( i ). XXXX XXXX XXXX XXXXXXXX responded with an acceptance of my opt out. 
This morning they reported Transactions History information they stated they would not as they accepted my OPT OUT.

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 2024-04-11 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: MI

Complaint narrative:
Disputing the account XXXX  with credit reporting agency EXPERIAN. all attached documentation is being provided showing no alleged debt. The collection Agency XXXX XXXX has no record of anything in the system for ( attached in documents ) me and has no Authorization or license to do buisness in the state of Michigan. The account has been charged off and written off as a loss from the original creditor XXXX. Collection agency can not collect on a debt that has been written off and used for the consumer to properly access and file on a federal income tax. As stated Income can not be reported to a consumer report. XXXX has no rights to report to my consumer report as they have sold the debt to a third party. Only the collection agency should be reporting. However as stated the collection agency has no proof of anything in the system for me

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