vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On or about XX/XX/2020 I cancelled credit monitoring with Experian. I received a refund of {$24.00}. I was charged {$27.00} today, XX/XX/2020 for membership which I did not authorize. Looking back through my bank activity I noticed I was also charged {$27.00} on XX/XX/2020. I called Experian today, XX/XX/2020, and they cancelled my paid membership and changed it to a free membership. The Experian agent said she could not credit my card for the membership but, instead, would need to contact my bank and dispute the charge. If that is true, which I doubt, why were they able to issue a refund in XXXX, 2020? 

Because this has happened multiple times I am submitting this complaint as I do not have confidence that canceling my membership will not result in future charges. I should not have to continually monitor my bank account for unauthorized Experian charges.

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 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I returned a message left for me to XXXX, XXXX, XXXX XXXX. I spoke with an account representative who identified herself as XXXX XXXX. Ms. XXXX indicated that she was contacting me regarding an alleged debt owed to Wachovia/Wells Fargo Bank. She stated that the account was in pre legal status and would need to be paid immediately to avoid any further legal activity. When I asked for proof of the original balance Ms. XXXX stated that information would not be available to me unless it was taken to legal action. At first she stated that the current balance was owed was {$1100.00} but would settle for {$790.00} and then later said she would agree to settle for {$680.00}. At the time of the phone conversation, Ms. XXXX emailed two settlement letters 20 minutes apart from each other on one it states balance owed as {$1100.00} and the second states balance owed as {$1400.00}. She told me that legal action could be pursued, I could be charged with fraud, my credit would be affected, and that this could be reported to XXXX XXXX. Ms. XXXX told me that the large balance was due to interest and fees accumulated over time. The account I believe that this company is trying to fraudulently collect on is now a zombie debt. I had a checking account with Wachovia/Wells Fargo Bank with the last activity date being sometime in XXXX or perhaps prior to that. I was contacted by a XXXX XXXX XXXX in XXXX regarding the same matter and indicated to them in certified mail that they were illegally attempting to collect on a debt that in the state of Virginia had reached the statute of limitations and to stop all contact. The account was to my knowledge originally, an unpaid approximately {$80.00} debt owed to Wachovia/Wells Fargo Bank. Due to inadvertently closing the checking account with one check not paid with a returned check fee. I received another letter today XX/XX/XXXX from XXXX, XXXX, XXXX XXXX demanding a balance to be paid of {$1400.00} and again threatening possible legal action. Under the Fair Debt Collection Practices Act XXXX, XXXX, XXXX XXXX are illegally calling me, threatening me with possible legal action, as well as being dishonest about balance owed. The statute of limitations has expired and this should be noncollectable and this company is breaking the law.

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 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my 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 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on

my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my 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 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX XXXX XXXX v. Wells Fargo On XX/XX/XXXX at XXXX, I called Wells Fargo Customer Service ( XXXX ) because my debit card was unauthorized cancelled even though I had sufficient funds in my checking account. Wells Fargo staff neither reinstalled my card nor presented any mitigation solution to address the issue. Also, I could not access a branch nor a ATM because does not have one in XXXX XXXX Missouri. The closest branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( around 26.92 miles ), and it is temporary closed as well as is its ATM is unavailable ( app.1 ). As a result, I could no buy food, gas, or other basic products ( Fig.1 ) Due to my desperate in having the basic needs fulfilled, I called Wells Fargo couple times, and each time I got different answers so sorry, there is nothing we can do. We apologize .that boiled down in nothing. I can rush a new card by  Monday XX/XX/XXXX ; however, between XX/XX/XXXX to XX/XX/XXXX, I have been exposed to starvation for lack of access to funds. 
On Saturday, XX/XX/XXXX at XXXX, I called again Wells Fargo , XXXX , the banker escalated to the Advocacy Dept. , XXXX , that escalated to somebody else. This individual said the solution is a ATM with access code for 30 minutes. However, according to her there is not ATM in XXXX XXXX and when I gave my Zip Code XXXX, she directed me to Mississippi. 
Wells Fargo in XXXX paid {$480.00} millions is a class action for wrongdoing. It is not a surprise that this financial institution is not complying with Expedite Funds Acts when comes to make the funds deposite accessible to the costumers.

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 2020-10-24 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:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

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 2020-10-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

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 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/20 I transferred {$1000.00} from my PayPal account to my son 's PayPal account.

When my son tried to access the money in his PayPal account he was unable to.

We contacted PayPal resolution and they said that they flagged this transaction as suspicious and froze the money in his account.

They said that it looked to them that I was buying something from him but they was no merchandise delivered. Also because I transferred {$1000.00} to his account and they saw it as a transaction, he only received {$970.00} in his account ( 3 % plus 30 cents deducted ).

Although I've had a PayPal account for many years, this is the first time I attempted to transfer money with it. I typically only use this service to buy merchandise online.
Maybe I made a mistake by the way I transferred the money?

Anyway, the money has been frozen and although I've explained this to PayPal multiple times they refuse to unfreeze the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax to dispute an account that was send to them from a utility company, XXXX XXXX, in XXXX California area. The account report was completely wrong, since XXXX XXXX employees stole {$110.00} from my electric account that I used to temporary connect electricity to a Mobile Home to do some repair work. I have the receipt for that payment and I sent everything to Equifax. Equifax instead of removing completely the whole collection account, changed the account status to delinquent and report the  delinquent date to XXXX XXXX when in fact XXXX reported it as none payment XXXX of XXXX. The account did not exist at XXXX and started in late XXXX. 
This damaged my FICO score 60 points, dropped it from XXXX to XXXX. 
Equifax employee that did this was stationed in XXXX and I question him how is possible that you are not here in the United State and you have all my sensitive information? He had no answer for that and kept quite, the conversation with him took had an hour. I disputed the wrong doing but there was no action from the company. Now I have been financially damaged since I am doing a refinance and that cause my rate to go up, a thirty years extra payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App, which is a product of the company Square , Inc., based out of XXXX XXXX, California.

As of right now, Cash App does not actually offer customer service via the telephone, only via email or through the app. Customer help phone number is impossible locate for this company. If you check within their App Number is not listed.

This opens a window for scam customer numbers listed online. Many Cash App customers are being mislead because they refuse to offer or list appropriate customer support. Scammers continue to appear as Cash App online and are stealing our money. We need Cash App to Step UP and do something about this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MO

Complaint narrative:
On XX/XX/2020, and XX/XX/2020, I wrote to Experian, XXXX  and XXXX requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.

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 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Capital One I received, via CFPB, the attached letter dated XX/XX/XXXX. 
Yes, you asked for me to contact you to give additional information. I did several times but it was a waste of time. I even was on hold for over an hour until I became frustrated and ended the call. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better to call the consumers when Capital One is not so overwhelmed? My number is XXXX. 
Yes, payments reflected on paragraph 3 were not authorized by me.

Your trust is appreciated when payments are made but when multiple payments are made in a short time ; shouldn't this be an alert of fraudulent activity on your program? Consumers can not control fraudulent payments when cards were unknowingly stolen. 
Yes, on XX/XX/XXXX, credit was issued on the cards after the cards were suspended, closed, and after accounts were charged off 2 months prior. Thus, I was not afforded the opportunity continue making payments as I had been. I was faithfully making the minimum monthly payment and increasing the payments when I was able. Check you records. I incurred debt during XXXX and my credit score was important. Capital One prevented me from keeping card, making monthly payments, and keeping credit score. There was a reason I was making monthly minimum payments. I did not have {$3500.00} laying around after Capital One issued credit in my favor 9 months after Capital One closed the account. And then to exacerbate the problem, Capital One sold off one the debts. I made fraud claims because even the amount charged off was due to theft and fraudulent payments. If  Capital One issued credit due to fraudulent payments ; wouldnt it be reasonable to assume the charges were also fraudulent? 
The letter references a XX/XX/XXXX letter but was not attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I recently opened a checking, savings, and money market account with NAVY FEDERAL CREDIT UNION. Everything was good until my first Direct Deposit posted to my account, that's when everything begin to go downhill. Account access begin to limit and then eventually no access pending Identity Verification. So I submitted the required documentation being put through a 3-5 business day  Verification. On the XXXX I called to see if the issue had been resolved to get no help and be told that I would have no access by phone to my account. This is the second time this has happened to me this year, you need to update my information and keep it updated. Please deliver an urgent response to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I applied for a credit card that was never received. The hard inquiry on my credit report hurt my credit score and I would like it removed.

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 2020-10-24 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: MO

Complaint narrative:
On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, Transunion and XXXX  requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.

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 2020-10-24 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: MO

Complaint narrative:
On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, XXXX  and Equifax requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if Fifth Third and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to  receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points. Fifth Third reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA )  which states that if an institution reports a status that that status must be accurate. I called Fifth Third to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to Fifth Third and in all respects was trying to do the right thing to pay off the loan early. The fact that Fifth Third never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that Fifth Third doesn't treat any other customer in this same type of treatment.

Company response to consumer: Closed with explanation