vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
I want to report identify fraud as, Consumer Adjustment Company Incorporated, reported an incorrect debt on me. 
The account number is XXXX and amount of {$950.00}. 
The debt was placed on my credit report on XXXX XXXX XXXX 
I was told the loan was taken out in XXXX 
I do not take out any loan and this information is incorrect. I dispute these charge. 
I called Consumer Adjustment Company Incorporated today on XX/XX/XXXX and they told Id have to file complaint with you all, FTC, to get issues resolved. 
I spoke with XXXX XXXX, Collections Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, i already sick help with paypal regarding with my account but they are not listening to me about my appeal the money was just available already then suddenly they have permanently limited my account i feel sad because my account was already old and my customers already memorize my email address they keep sending me their payment because my business is more about coaching hosting websites and and customers avail plan subscription depends on subscription based on our website i already provided the website through paypal they accepted and i understand that they already know my business i don't have actual products it's more off virtual transactions online which already established with my colleagues international i am seeking your help to reach out through people to grant my request lifting of permanently limited i really need to continue my transaction businesses and because this is just the only source of my income i understand the paypal responsibility is to keep our account safe from the unknown transactions i made sure when it comes dispute i attended right away just to maintain the good record of my account because it's already old and stablish. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
someone have change my address to different location

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an account with Wells Fargo and they always charged ridiculously high fees for everything so much so I closed 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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was sent a wells fargo credit card that i didnt ask for. It was already set up. I then had financial problems and had to use the card. 
A short time later i paid off the credit card. They immediately reinstated my card with with more credit available. Even though i didnt want the card because i know they can cause problems and hurt your credit. Anyway. I started getting harrassing letters when i was behind.I feel they have unlawfully created this credit card and are taking advantage of elderly people. XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

XXXX XXXX popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: MN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I contacted Wells Fargo to see if I could refinance my home mortgage or receive help with my mortgage payments and representative told me I had to be behind 4 months payments before receiving assistance. I spoke with her for over 30 minutes asking all types of questions to ensure the process was correct. When I missed 4 payments and contacted them again. I was told there was nothing they could do to help as I was 4 months behind. I was furious. Long story short they attempted to foreclose my home and I had to file bankruptcy to save it.

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 2023-01-20 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: TN

Complaint narrative:
Someone pull my credit with out my request with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2008 I lost my home at XXXX XXXX XXXX XXXX XXXX, GA XXXX I lost it bwcause I was out of work when I finally gained employment I tried to get a loan modificatioon from Wells fargo. 

I was told over the phone and you can check their recordings. 

" That they do not give loan modifications to XXXX  people. '' I was floored to say the least and I lost my home. 

I did not know until now that I had any recourse on this and any way to hold Wells Fargo accountable for their prejudice.

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 2023-01-20 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: TN

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.1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- --. 
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 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 with antedates the report by more than seven years.15U.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 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 2023-01-20 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: TN

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- --. 
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 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 with antedates the report by more than seven years.15U.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 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 2023-01-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged me excessive over the limit fees when i had account open

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 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XXXX XXXX Citibank sent me a promotional offer by email ( attached ) of opening and funding a new savings account for various levels of XXXX XXXX frequest flyer miles awards. I opened the account within the timeframe, funded it within the timeframe, maintained the balance for greater than the requirement but was never awarded the miles. Various Citibank reps told me they were coming on two different dates. An investigation was opened and subsequently denied claiming my account wasn't eligible for the promotion as it hadn't been offered to me, which was incorrect. A third rep told me I had opened the account too early, which was also incorrect. This practice is dishonest and not in good faith.

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 2023-01-20 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been with Wells Fargo for 12 years over the years I was charged a few overdraft charges and tried disputing them but wasnt able to get them reversed

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Transfer fee electronically online several of time. I was being penalized for at one time. Overdrafts fees too

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 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I sent {$10.00} to Sychrony from XXXX attracted by their advertised 3.75 % rate on a high yield savings account. After this posted, I then sent {$4900.00} on XX/XX/XXXX. 

I opened an account with them after reading decent reviews, but after doing more research, I have found lots of negative reviews and I do not have reason to trust this bank. 

Today, on XX/XX/XXXX am trying to close my account with Synchrony and return the funds to the account that I funded my Synchrony account with ( my trusted XXXX bank account ). Here is the rub. I am currently overseas living in XXXX on a work visa XXXX XXXX XXXX XXXXXXXX XXXX. I do not have access to my US phone number while physcially in XXXX and can not pass their 2 factor authentication to log into my account and make a transfer and close the account. When I called their account, they told me they had to confer with the back office in and make a decision. They did not provide a case number, just a name of a supervisor along with their extension. This seemed suspicious to me. I read more reviews of their negative customer service and now I am worried about my money. I want it back in the bank account ( XXXX ) I used to fund this account and I want to close my account with them.

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 2023-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OR

Complaint narrative:
Someone in XXXX, TX opened an account without my consent with XXXX XXXX XXXX. Service through the company was provided XXXX at an apartment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, TX, XXXX. The bill was not paid and sent to collections. On XX/XX/XXXX, I received notification of this debt in the form of a letter dated XX/XX/XXXX from Online Information Services. I contacted XXXX XXXX XXXX directly and informed them I did not open the account. I was told to contact the XXXX Police Department to file a report. The case number is XXXX. In addition, I was told to file a report with the FTC. I am to submit proof of both reports to officially dispute the fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: AL

Complaint narrative:
I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX Bank being updated and/or resolved, but XXXX XXXX is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in 2016 I signed paperwork for Wells Fargo to directly pay my car payments to XXXX. They failed and my vehicle got repossessed and my money was still in my account. They failed to pay. XXXX wanted all the money to retrieve my truck. The entire loan amount.

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 2023-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
someone have change my address to different location

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
around XXXX, XXXX of last year I was scammed by a company that used coinbase as their main way of money transfer. I transferred around {$70000.00} to this online investment company named XXXX XXXX. I had advised coinbase of the situation, how it affected me financially and psychologically, but nothing has been done.

Company response to consumer: Closed with explanation