vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2024 checking my small business accounting software I noticed that a credit card that automatically is paid from my business checking account suddenly had a late fee. Checking further I discovered that WellsFargo closed both my Business Checking and Business Savings accounts of XXXX  years on XX/XX/2024 ( Personal customer for XXXX  years ). On calling support on the XXXX they claimed I never submitted a requested physical address to have on file for the business accounts which I had completed in XXXX and even received cards in the mail confirming the address change. After additional research the support person located the attempted address change, but stated that it hadn't actually changed and so the accounts were closed and there was nothing he could do to address the situation. The only recourse they offered was to schedule an appointment to go to a physical branch for an hour an XXXX half to open brand new accounts which are not linked to any of my other business accounts, or money management tools because there " is no way to re-open the accounts '' that they incorrectly closed. WellsFargo made no attempts to call, or email me despite my long history with them they just closed the accounts causing late and non-payment fees to be incurred on accounts relying on this checking account for auto-payment.

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 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want these hard inquiries taken of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want these hard inquiries taken of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Check from a capital one account t from XXXX XXXX XXXX in the amount of {$2500.00} was returned due to a stop payment on XXXX XXXX XXXX 

Capital ones : " investigation '' resulted in a satisfactory result that the check had been paid according to directions. Apparently XXXX XXXX acct. XXXX charged the {$2500.00}. 


This has caused me late mortgage a.ongst other problems! 

Capital one is arrogant, and clearly very stupid as the evidence of stop payment is cleR for anyone to see. 

Sad ... ..wonder why we all don't do business with such large XXXX XXXX banks any more. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LEXISNEXIS
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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 furnishes an 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 explanation
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: SC

Complaint narrative:
It has been over 30 days since Ive submitted my disputes to the Credit Reporting Agencies to which Ive received no response.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: HI

Complaint narrative:
MOHELA is my student loan servicer : On XX/XX/XXXX I applied for the XXXX XXXX repayment plan and MOHELA notified me in XX/XX/XXXX that they denied my application because it was too soon as my account was still reflecting " in school '' status, although I graduated XX/XX/XXXX. I was directed by MOHELA to reapply in XX/XX/XXXX. I reapplied XX/XX/XXXX and MOHELA 's records show receipt on XXXX According to representatives MOHELA processed and approved the application XX/XX/XXXX and my XXXX plan has a {$0.00} payment obligation. On XX/XX/XXXX MOHELA billed me {$150.00} under the " XXXX XXXX. '' When I questioned the bill agents told me to disregard, and that they ( MOHELA ) would correct the bill to reflect my {$0.00} obligation. As of today XX/XX/XXXX I am receiving collection notices and my account reflects a past-due amount of {$150.00}. My numerous attempts to get MOHELA to make this correction have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Account was opened without my knowledge now I am getting late fees for charges for an account I did not open. I have no knowledge of this account and never had a credit card with this company ( ultabeauty )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: AL

Complaint narrative:
XXXX XXXX XXXX  is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX is continuously deliberately refusing to investigate and remove these erroneous issues on my consumer file. Ive sent multiple request to which they keep saying they need my whole social security number which is false because I called the Internal Revenue Service and they stated I shouldnt be giving my number out to anyone. My tax return has my LAST 4 and that is sufficient enough! I am demanding to opt out of all third parties nonaffiliates from furnishing anything onto my consumer report! All accounts need to be updated as PAID AS AGREED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report 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

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 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Year XXXX - my bill was {$65.00} per month. After XXXX month, I noticed my bill climbed from {$65.00} to increased amounts then I got slammed for {$600.00} on XXXX month for policy I never agreed to and was unaware of hidden charges that were a total suprise. I complained but my words went on deaf ears and kept getting a non-cooperative response to resolve this problem of overbilling issue so I closed my account immediately and switched telecommunications provider. 

After closing my account, I kept seeing bill rise and interest charges and other fraudulent charges being billed. I notified my credit company about the problem Today is XX/XX/XXXX. I just received a debt collection notice which references XXXX charges unpaid dating from XXXX ( XXXX years ago ). I closed my account with XXXX XXXX years ago in XXXX. 
The letter demanding payment today is from a debt collector agency named- Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX They ask to send payments to a different address as : Jefferson Capital Systems LLC XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ref Case # XXXX Their website - www.MyJCAP.com Their Phone - XXXX Avail - M-Thurs XXXX Fri - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: DC

Complaint narrative:
As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer 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 2024-01-30 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: DC

Complaint narrative:
As a natural person and consumer of the United States. In accordance with 15 USC 1681 Dept of Education has violated my right by reporting inaccurate account number and Last reporting dates on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
Following accounts i demand be immediately removed. 

XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
My wife and I went to First Citizens Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to cash a Due Diligence check that was drawn on that bank. It was made out to my wife and I for $ XXXX. We presented valid IDs, the check was valid and filled in correctly. The XXXX woman behind the counter who is clearly XXXX, refused to cash the check and said they had to contact the account owner. Nowhere is this policy posted, nor was she able to provide the written bank policy or even quote which policy she was referring to. After I became upset, I left and my wife calmly attempted to open an account at which point the incredibly XXXX XXXX woman refused to open an account. I expect this bank and their fraudulent, highly illegal activities to be stopped, fined and frankly shut down for conspiracy to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In the spring of XXXX I had some dental work done at a local dentist office. After the work was done the dental bill was like XXXX dollars owed. I was given the option to apply for a XXXX XXXX credit card. Which sounded like a good idea, where I was told that I could just make monthly payments, like any other credit card that I have. My monthly payments were like XXXX dollars month. Unknown to me I was offered a promotional plan that had a expiration date if the balance was not paid by a certain date that I would be slammed with an outrageous interest charge! Had been making my scheduled payments on time, when out over nowhere I went from having a owed balance of {$260.00} to an unbelievable new balance of {$630.00}! I was hit with a {$370.00} interest charge and a {$37.00} fees charged. I'm XXXX XXXX XXXX and have a fixed income. What XXXX XXXX did to me was very unfair, and I would think this type of lending would fall under predatory. I did reach out to XXXX XXXX to let them know that I had no idea what the Credit Card company had an expiration dates as far as the balance. XXXXXXXX XXXX pretty much told me so sorry so sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Delete 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