vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/ I RECEIVED NOTIFICATION VIA EMAIL THAT A DEPOSIT DECLINED PER INCORRECT PIN. XX/XX/XXXX LOSS PREVENTION CALLED ASKED IF I WAS THE OWNER OF THE ACCOUNT I REPLIED YES. SHE GOES TO TELL ME THAT THE CHECK WAS FOR XXXX WAS ALTERED. AND HOW MANY ACCOUNT DID I HAVE WITH WELLS FARGO THAT THEY WILL BE SHUT TO TILL I CALLED FRAUD DEPARTMENT OR GO INTO A BRANCH AND I DECIDED TO GO INTO THE BRANCH. 
I EXPLAINED WHAT WAS GOING ON. I PROVIDED MY ID SHE SHUT CARDS DOWN AND ORDERED NEW CARDS I WAS TOLD THAT I WOULD HAVE TO HAVE AN APPOINTMENT TO GET ANY CASH. I CALLED LOSS PREVENTION TALKED TO DEPARTMENT AFTER DEPARTMENT ALL I WAS TOLD THAT THE ACCOUNTS WILL BE CLOSED ON XX/XX/XXXX, AND WHERE WAS MY CARD I EXPLAINED ITS NOT HERE IT BEEN STOLEN. OMG!!! PRESS CHARGES THEN TOLD THAT WAS ANOTHER DEPARTMENT. SPOKE TO INVESTIGATOR F. WHO TOLD ME TO GET POLICE REPORT SENT COPY OF THE CHECK. FILED POLICE REPORT TRIED TO GET INVESTIGATOR BACK COULD NOT REACH HER. XXXX I HAD HAD TO WAIT ANOTHER DAY TO GET ANY FUNDS THE WAIT XXXX ADDITIOAL TO GET FUND. I ASKED THE BANKER AM I BEING PLACED ON SOME TYPE OF LIST FROM OPENING ANOTHER ACCOUNT, SHE STATED NO. WENT TO XXXX XXXX TO OPEN ACCOUNT GAVE HIM XXXX CASH AND THEN HE INFORMS ME THAT XXXX  XXXX XXXX XXXX MAY NOT APPROVE YOUR ACCOUNT. THE NEXT DAY THE ACCOUNT WAS NOT HONORED AND THEY WOULD NOT GIVE ME MY MONEY SAYING FRAUD MAY BE IN PLAY. AFTER CONTACTING XXXX WELLS FARGO HAS LABELED MY FRAUDELUENT, TO DATE WELL FARGO HAS NOT PROVIDED ANY PROOF THAT I DID ANY SUCH ACTION OR PARTICIPATED IN SUCH. I HAVE BUILD A XXXX RELATIONSHIP WITH THIS BANK AND THIS IS NOT THE FIRST TIME THE BANK WAS IN THE WRONG I HAD AN ISSUE BEFORE WHERE THEY TRIED TO SAY I ALTERED A CHECK AND THEY DIDINT LOOK AT THE DATE ON THE CHECK AND WITHHELD FUNDS. NOW TO LABEL ME A THIEF AND HURT MY BUSINESS REPUTATION IS TOTALLY WRONG. THIS IS STILL ON GOING

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I have had an account in good standing with Grain for going on 2 years now. Recently the company plaid is no longer affiliated with my bank so grain no longer has access to my bank account. That meant I had to manually make payments rather than it being automatic. Grain reported me 30 days late in XXXX and XXXX. I was not late either of these months. I have disputed multiple times and Grain corrected XXXX but not XXXX. I made a payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I paid the account in full on XX/XX/XXXX. As of XX/XX/XXXX, I still have a 30 late payment for XXXX and Grain continues to report my balance as {$890.00} despite multiple attempts Ive made to request them to correct the balance and payment history. They are saying they wont correct my balance until mid XXXX which will be about 60 days after the balance was paid in full. I paid off nine accounts on the very same day as grain and grain is the only creditor refusing to correct my credit balance after being paid off. Please correct my credit as it has made it so Ive lost my account status with other companies for having a delinquent account with a high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MD

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-03-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
It has come to my attention that Chex Systems XXXX Inc., has violated the Fair Credit Reporting Act ( FCRA ) by way of failing to follow reasonable procedures to assure maximum possible accuracy, failing to have permissible purpose, in addition to reporting inaccurate information, and failing to DELETE inaccurate information. If Chex Systems XXXX Inc., fails to comply with this notice will result in legal action being taken. Thank you for your timely cooperation. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

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 2023-03-25 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: AZ

Complaint narrative:
I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.

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 2023-03-25 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: GA

Complaint narrative:
An account with XXXX XXXX XXXX  is listed on my credit report. 
Pursuant to FCRA section 609 A1 I request all information on file concerning 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 2023-03-25 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: MD

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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: MD

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-03-25 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: U.S. BANCORP
State: MI

Complaint narrative:
I received a mail advertising the Fidelity visa signature card handled by Elan financial services. Advertised was 0 % promotional Intro APR for 12 months on purchases and 0 % APR for balance transfers made within the first 30 days of opening. Received my card on XX/XX/XXXX, did XXXX balance transfers on XX/XX/XXXX ; 3 % balance transfer fee was applied and I got charged for interest at the end of the month for $ XXXX XXXXI called them and they said my account never had promotional APR in the first place. On XX/XX/XXXX, I receive another similar advertising mail saying the same promotions - 0 % promotional intro APR as well as 0 % APR for balance transfers. I feel I got scammed here and want my money back

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 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
I purchased a paper money order on XXXX. I sent it in the mail a day later. My bank still has not received it. Today, I attempted to cancel it using my phone. The Western Union dedicated to money orders is inoperable because it disconnects after a long sales pitch. The main line is not designed to resolve my issue. The chat function is also not designed to resolve my issue. I have both the store receipt and the stub from the money order itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX 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. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not " XXXX '' is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on 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 2023-03-25 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: AZ

Complaint narrative:
I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: AZ

Complaint narrative:
I sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed immediately.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
A bill of XXXX was sent to me from an Ultabeauty Mastercard credit card opened at Ultabeauty store in Florida. I called the company to stop future purchases and investigate the account and charges made with the card. They agreed to cancel the card and investigate fraud. They said they would notify me by mail after the investigation is completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I do not have online access to my account with Synchrony Bank. There is two step authentication and the second step at this bank sends a code as a text. I have a new phone number and have called this bank a myriad, yes myriad of times to get this phone number problem corrected. I have even emailed the XXXX, XXXX  and other members of upper management to no avail. Not even a response. I have emailed XXXX XXXX for Synchrony Bank with no response. So i have spent hours online and on the phone and nobody, i really do mean nobody knows what to do to fix my problem. I haven't had online access for months and months. I can't get anything done with this 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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
XX/XX/XXXX, I had XXXX emails from this company ( NetCredit ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( XXXX through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

XXXX XXXX XXXX  : # 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 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 and the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

XXXX XXXX XXXX : # 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 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 and the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On multiple occasions over the years of being a Wells Fargo customer, I have been charged overdraft fees on my account. I have only recently found out that I could be eligible to receive some of that money back.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I constantly get snail mail saying someone opened up a PayPal account in my name. I get it maybe once a year. This was the first time I got a charge for a credit card opened up through I guess PayPal credit. Its with PayPal/synchrony bank , both of which I do NOT have an account with. I called the number on the mail, but Im afraid to give any information because I dont know if its a phishing number. Anyway, Ive been ripping the bill up for the last 2 months, but the charge made it into my credit report, so now Im trying to get it wiped. SYNCHRONY BANK ( if it was them that I talked to ) said the card was opened up in my name last year, and there werent any purchases. They just sent money to a location I guess The charge was XXXX now it something like XXXX because of late charges added on.

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