vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 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: PA

Complaint narrative:
I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/2021, I applied for the XXXX card. My annual pay is $ XXXX, and my credit score is near XXXX. I have a decade of credit history. 
My XXXX credit card was given only a {$700.00} credit limit, clearly a mistake. 
The XXXX customer service has given me no explanation as to how {$700.00} is an appropriate amount, and refuses to review the calculation for errors. Talking to them is like talking to a wall. " Well the system says the limit is {$700.00} '' - clearly showing an inability to actually resolve a clear data error that happened within their system. The contact center refuses to contact a banker or someone who can review the issue. 
They have trapped me with an un-usable card, as a {$700.00} credit card is effectively useless. 
I have friends who have the XXXX credit card and they have actual credit limits despite having lower salaries, less credit history, and lower credit scores. 
Talking to XXXX is like having a fever dream. I regret applying for this card deeply. I never have issues like this with my other banks such as 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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the US Bankruptcy Court GA XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
One XX/XX/XXXX, I was contacted via phone from Wells Fargo Fraud toll free number. ( I called this number from another phone to verify that the number was legitimate ). I was asked if I transferred {$3000.00} to a XXXX XXXX in XXXX, Fl using XXXX? I told them no. I had used XXXX early for two transactions and thought that was where the breech took place. I was advised in order to get the funds back to my account, I would have to XXXX the money back to myself in two {$1500.00} increments. I did as I was told. They told me they would contact me again on XX/XX/XXXX @ XXXX pm which they did. They then advised that I would have to XXXX another {$500.00} to myself and this is when I realized something wasnt legitimate. After filing a claim with Wells Fargo, they stated that they would investigate. After 9 days, Wells Fargo advised that per XXXX the money was non-returnable. I then filed another complaint with Wells Fargo directly. They have not returned the money and I am unable to get any answers. I have read several articles and under Regulation E it appears that it should be covered. Wells Fargo is stating that XXXX is a third party and my money is not insured. XXXX is an app that Wells Fargo has endorsed. I have no money at this point to pay my bills, and unable to pay for my XXXX medication. I have seen where this same issue happens and was investigated by a XXXX news station and the money was returned. I dont have much, but {$3000.00} was all I had. Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NV

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: NV

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with Transunion, XXXX, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on Transunion and XXXX on XXXX it also shows me being late in XXXX on Transunion and XXXX on XXXX. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date : XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
On XX/XX/2021, this writer contacted XXXX XXXX XXXX Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, XXXX XXXX XXXX aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, XXXX XXXX XXXX Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH TRANSUNION TO HAVE THE ACCOUNT REPORTED BY XXXX XXXX XXXX ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM XXXX XXXX XXXX COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, XXXX XXXX XXXX SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX  ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On or about XX/XX/2021 I made a big purchase ( {$570.00} ) through XXXX and was offered an option to finance it with 0 % interest for 12 months ( {$48.00} monthly ). After this purchase, I made other purchases totalling {$230.00}. I sent payments to pay those additional purchases as they completed processing online in my account and awaited the interest free payment monthly. Chase is now claiming that the money sent to pay the additional purchases, was put to the bigger purchase financed and that they intend to charge and collect interest on the purchases made after ( {$230.00} ). Same for any new purchases I make in the future. In my experience, if you agree to terms of 12 months with a company for a loan, it stipulates to those terms. Example would be getting an additional loan for a vehicle after getting one for a mortgage... .the terms of one has nothing to do with the other. I feel that both Chase and XXXX are responsible for putting these facts up front and that this is an attempt to deceive hard working middle class people, with motives of gaining interest that wasn't supposed to be imposed. I spoke to 6 customer service reps last night ( after receiving my new statement ). Not one could explain to me exactly how this formula worked or why I was being charged most of my purchase amount ( {$270.00} ) the 2nd month into the agreement. Luckily I can do basic math and figured it out on my own when my attempts to have explained failed.This would have been a great option for bigger purchases for family 's like mine if in fact it was an agreement that was legitimate. I always pay my balances in full and not carry from month to month. In fact my limit on this card was almost tripled a few months ago. Luckily, I can afford to pay the interest saving balance without making future purchases and avoid paying interest on any of my purchases. The issue is, that isn't what was agreed to. The agreement was for installments, interest free. That is the only reason I made this particular purchase at all. I avoid interest every month on my regular payments as well. Searching specific keywords provides these answers, the agreement is made upon checking out thru XXXX and that is where the information from chase should be provided, not hidden down deep in the World Wide Web. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased my lease vehicle through Trophy XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through Capital One XXXX XXXX. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased my lease vehicle through XXXX XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through XXXX XXXX XXXX Ally. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CT

Complaint narrative:
Hello, I received a bill from company stating I owed a different amount than what's trying to be collected. They said I never gave notice of my moving out but that is incorrect because I gave notice months before the move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
In late XXXX I set up a Personal PayPal account in order to sell some of my personal items online. I have had a business account with them for many years and have done hundreds of thousands of dollars on that account with no issues. I have had 3 small transactions ( all under {$20.00} ) and they have immediatly held my funds on each with numerious reasons given. I have called 5 times and finally got the first two released. Now I just got another held even though PayPal sent me two different emails saying that " Congratulations! You are now an estabilished Seller. '' Were happy to let you know that you are now an established seller with us. Payments you receive from today onwards will usually be instantly available to you, and money currently in your pending balance should be available within 21 days of the transaction date. '' It seems so wrong for them to hold my money. They have my credit card on file, They have my Bank Account Information on File, They have my outstanding and long standing business information on file, I immediatly ship and furnish them tracking numbers and yet this is how they treat me. This is exactly how XXXX companies work. Raising Fees ( They just took a huge fee increase ), Holding Funds, and making it difficult for people to get their money. Great way to make your numbers look good to the stock market? I DO NOT have issues like this with my long standing business account but with all the information they have there is now reason I see that they can justify holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my checking account on XX/XX/2021 and have yet to return my money {$5600.00} and said it was a process in which I had to wait 10 business days which I did. I called back in 2 weeks on XX/XX/2021 and was told my account is in a holding stage and I had to wait on a review. Waited again more than 10 days called back was told its still in process and they had the right to do and theres no timeframe. Told them I had a medical condition concerning bad XXXX and they still denied my request. Called back on XX/XX/2021 and was told the same thing, Review hasnt been completed. Called back today in 10 days asked to speak to a manager or supervisor and was told there is no update that I must continue to wait.

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