vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : 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 explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : 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
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal was Permanently limited my Account, it said that " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement '' but I used my Account on right way, I'm not violating their policy, I'm using it since 2020 to have transactions with my client from other country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I purchased my home through Wells Fargo in XXXX. Around XXXX I missed a payment and fell behind on my mortgage. I had lost my job and was on unemployment and as a result fell behind on several of my bills. I reached out to XXXX to either restructure or modify my loan so I could keep my home. I was immediately denied this request and instead instructed to let my mortgage fall behind XXXX payments or more and let it go into foreclosure and then they could help me. I was trying to keep my credit in decent standing and expressed that and again was told to let my loan default XXXX or more months XXXX file for bankruptcy and then they could help me. I was totally dumbfounded by this response. As a result, in desperation to save my home I filed for XXXX XXXXXXXX on a measly {$5000.00} which now totally wrecked my credit that I am still trying to rebuild. My attorney filed the paperwork for both my bankruptcy and the reaffirmation of my loan which they finally restructured and shortly afterwards sold to another mortgage company ( XXXX XXXX XXXX ). Because of this process now my loan payments are not reported to the credit bureau which would help my XXXX XXXX greatly, not sure why they won't report it. This was by far the most stressful loan process I have ever went through. I had to further ruin my credit by filing bankruptcy which was held against me whenever I tried to reestablish my credit, hiring managers for possible employment held it against me ( so I was told ) and not to mention how long it stays on a persons record. I am asking to be included in any class action suit against Wells Fargo as I truly believe that as a consumer they truly treated me unfairly.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX : I started a balance transfer from XXXX to new Wells Fargo card. Requested {$13000.00} to be transferred on wells Fargo XXXX app. I called 4 days later asking status. 

Wells Fargo made XXXX requests-paid XXXX XXXX and 4 days later XXXX for total of XXXX transferred over to new unused Wells Fargo card . I dont have XXXX of debt in XXXX XXXX XXXX onlyso 1. Error making XXXX payments for balance transfer ( only XXXX authorized with me ) 2. Transferred someone elses debt to my account. 

Now, I am over limit on Wells Fargo ( so interest being charged ), I was told by Wells Fargo that XXXX has to refund money for me to pay Wells Fargo. XXXX said refund would go to my checking account. Its all a lie. My credit card for XXXX has been refunded. Now XXXX shows I have a XXXX credit. How can I pay wellsfargo when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. 

I need XXXX to pay wellsfargo. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of Wells Fargo XXXX mos 0 % APR. and cant even take advantage of this XXXX double was transferred over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I previously had an account with Wells Fargo. I had numerous errors on my account, with transaction errors, overdraft fees and not letting me access my account because of these fees. Made me pay back several fees due to their negligence!

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Hello I just received my investigation report back from Trans Union, File # XXXX issued on XX/XX/2023. 

I informed Trans Union that my name and ONLY name is : XXXX XXXX XXXX as proved on my Social Security Card and Drivers License attached. 

It seems Trans Union left WRONG names and Incorrect Names and Names that are not me on my credit report such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all of which are not me whatsoever. Who are these people? And why are they on my credit report? and why did Trans Union not delete these names when I asked the to correct all these incorrect names? 

Please Delete ALL the incorrect names, I should have only 1 Name which is my own. 

Correct Information : Name : XXXX XXXX XXXX SS : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please have the Wrong Information Deleted and Corrected to the above, the Wrong information is hurting myself and family from moving forward to a home. 

Thank You 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 2023-02-03 00:00:00
Product: Credit card or prepaid 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: TMX Finance LLC
State: NC

Complaint narrative:
On XX/XX/2023 I was charged XXXX dollars from a company by the name TitleMax Online. I have never heard of the company much less done business with them. As soon as I saw the charge on my bank app, which I look at everyday all throughout the day. I called the bank and told them I didn't make the charge and I had never heard of the business. All the bank did was freeze my account and I have not received my money back from the bank. I have also talked to the company and told them it wasn't me who made that purchase/ payment whatever the person did to take that amount of money out. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
A company called Halsted Financial Services LLC has been calling my number everyday for several months now. I have never received any sort of correspondence from them regarding the nature of their call. I don't answer their calls. I don't know who this company is. I have never done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
After I was denied a loan modification I submitted a short sale. The offer was {$370000.00} see attached proof. The appraisal was {$400000.00} completed by Fay Servicing, see attached proof. Fay counter offer was {$500000.00}. We have been going back and forth and they are not helpful at all. They even are refusing to order a new appraisal, as this one is almost 6 months old. 

The number 1 complaint is this appraisal was done by Fay Servicing and it came in at XXXX. The counter offer of XXXX by fay servicing shows that they are not working in good faith and they are just looking to foreclose and own the property. I do not believe they are aware that in today 's market if they got XXXX after a foreclosure they would have spent 1+ years of maintenance, taxes, insurance and loan up keep, which would bring their total net amount much lower then they are getting on the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I initiated a payment from my checking account on XX/XX/. The funds were withdrawn from my checking account on XX/XX/. I called the credit card company on XXXX as the payment was not reflected in my account to use. I was told on that date that the funds would be released on XX/XX/. I called the company again on XX/XX/2023 to follow up as the funds were not released, despite them taking the money out of my account on XXXX I escalated to a XXXX and was told there was nothing they could do and I just have to wait until the following day for the funds to be released despite them having the payment. I paid {$300.00}, which is in addition to my regular payment, in hopes to use it for a payment so that I could get cash back. The XXXX told me they receive this complaint all the time, but can not do anything. They are holding peoples money.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been behind on my monthly payments so I began making partial payments to catch up. The payments were in the amount of {$280.00}. The payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Some of the payments were returned with a letter stating that partial payments are not excepted on the account. So, I received XXXX or maybe XXXX of the returned payments and no one can explain what happened with the other one. In addition my online account has been locked preventing me from viewing my account, so I can verify if and when payments had been applied. When I called to ask why my account is locked it was stated that it is because my account is behind on payments. I explained that as a customer I should have access to my account however, it remains locked. Also, There has been a big discrepancy in my payments since they started returning them and it's difficult to know where I stand currently. Just recently, XX/XX/XXXX I made a payment of XXXX because I entered into a payment arrangement however, I discovered that the monthly amount was too much so they kept the payment of XXXX and returned the rest in a check. When I called to adder the situation no one knows what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. syncb/ sams. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo lawsuit security breach and mishandling of accounts. Not sure of exact dates when I had my account. Ive had accounts in separate occasions with them. I want them to research how it impacted me and provide a resolution.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My home mortgage was through Wells Fargo when the home was purchased in XXXX. I refinanced with my current bank in XXXX in an effort to consolidate expenses and reduce interest rate. Based on the dates of the complaint against Wells Fargo ( customer during the period of XXXX through XXXX ), I wanted to explore whether there were extraneous charges/fees on my mortgage payments during this period ( considering they were auto drafted from my checking account and no payments were missed during the time that I was a customer ) and whether the Consumer Financial Protection Bureau proceedings apply to myself and my household. Thank you.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I did try to fix the problem with the credit card company which is Kohl 's. Didn't get any where with them, so I cut my credit card up and said I will pay a monthly amount with them, but I wanted my account closed. Someone called today, they said even through my account is closed they will still added on a monthly late fee of {$39.00} each month on my account, if there is a balance. To me, they shouldn't be able to charge that amount. I offered {$50.00} per month till the balance of {$310.00}, I was told they would still add on {$39.00} late fee each month. I ask, how am I going to ever pay their bill if they keep adding on {$39.00} each month????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GA

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 XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 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 explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an account with Bank of America XXXX  months ago. I deposited my check bc they told me that XXXX  days prior to me coming in they changed their rules not to mention I called before hand and they told me it was okay. Hmmmm now is this bc Im women once I came in???? Not sure! I then spoke either XXXX XXXX the market manager he assured me theres no issues my funds will be available tomorrow I said okay I trusted him seemingly that he was a market manager for this branch I then logged into n XXXX  account no funds their holding it for XXXX  days this makes no sense Im a single mom I work hard for my money XXXX  mortgage is due theres no way I should have been treated or mislead this way Im in a tight spot I need XXXX  money I will be closing my account I will also be filing a complaint with someone higher up were not in times to be takjj in h advantage if n Ive had enough!

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