vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: MI

Complaint narrative:
I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this sh! t now!

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

Complaint narrative:
I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX  now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Balances would not reflect deposits or funds would not be available which then caused fees to account although moneys were in account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: MI

Complaint narrative:
I have submitted numerous complaints to the XXXX credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
We were one of the 1000s of home owners that were unfairly denied a loan modification by Wells Fargo during the financial crisis that started in XXXX and went thru XXXX. 

We paid a {$6000.00} fee to get the loan modification only it never happened and were not given a reason why Wells Fargo has been ordered to pay home owners a settlement and that they said they have contacted/paid a settlement to most that have been affected, but we have not received any correspondence from them at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: MI

Complaint narrative:
I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Good afternoon! I made a money transfer on XX/XX/2023 in the amount of {$50000.00}. The transfer was sent to XXXX to my sister 's account. The transfer was canceled on the side of the correspondent bank of the recipient XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX. And they should have already been processed by CITIBANK N.A., but the money has not yet been returned to the account. My attempts to contact the bank by e-mail were unsuccessful, and the bank was in no hurry to help me resolve the situation, he only said that he was not responding to individuals, and asked the sending bank to contact him. But the sending bank, XXXX XXXX, tells me that this is not within its authority. I am inclined to believe that CITIBANK N.A. is deliberately withholding my personal funds for its own benefit. Too much time has passed since the payment was canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Closed My Account For No Reason and will not help with getting it back up and going. i am not sure if this is a mistake as i assume it has to be. i have not been able to get help from them, i just understand i could file a report on here as i find they are not doing their job properly and it is effecting me great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a Citibank best buy credit card to make a computer purchase in XXXXXXXX XXXX XXXX Every month since, I am being over charged on interest. Purchase amount was {$2500.00} and I did not take the XXXX XXXX  offer on interest free payments. XX/XX/XXXX, interest charged was XXXX payments made up to that date was XXXX an XXXX and XXXX payment. XXXX I was randomly charged XXXX and XXXX on XX/XX/XXXX and have been unable to dispute it unless I claim my card was stolen and get a new one. XX/XX/XXXX I paid XXXXXXXX XXXX XXXX XXXXXXXX of that was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. Now XXXX is here and I have to be robbed by these fraudulent crooks again. I called in XXXX and XXXX and talked in detail about this issue. XXXX XXXX later and they have sent nothing in communications let alone tried fixing the overcharge of interest and the added charge oXXXX XXXX XXXX and change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Capital One acct. ending in XXXX has violated my rights during the months of XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXXXXXX account name-XXXX XXXX  # XXXX Account 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2023-02-02 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: NJ

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name XXXX XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2023-02-02 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: NJ

Complaint narrative:
In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name -XXXX  XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I already deleted and removed all accounts and are paid its almost a year and you guys are still reporting something false my debt to capital one is paid off and I also deleted my online Acess and app please remove this from my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$580.00} I have never done business with this company they probably bought the so-called debt off of XXXX XXXX XXXX  and which I just found out that is illegal companies do not have the right to sell your personal debt to dedic agencies after XXXX XXXX they can not collect on it this is about this is about XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am seeking your kind assistance in regards to my account with WISE ( XXXX XXXX XXXX ). I have an existing balance for only {$540.00} and some cents with WISE. However, they deactivated my account. When I asked for a reason, they were unable to provide any valid reason for the deactivation. Now, I am unable to transfer the remaining funds in my Wise account to my bank account. I know this is just a small amount but I worked hard to earn this money and I am very hopeful to get what I deserve. 

My email associated with wise is - XXXX Please let me know what you need from me to resolve this issue. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX  into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. 

There is a XXXX year unmarred history on this account, so these actions are not warranted. 

I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response.

Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.

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

Complaint narrative:
In accordace 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. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX/DEPT OF ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX  Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 instruction 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 ) ( XXXX ) 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: CA

Complaint narrative:
The company sezzle reported me to the credit bureau for late payments for a product that I ordered which affected my credit. They have canceled my order because I have not gotten the product that I ordered since XX/XX/2022. I have talked with them through live chat in their website sezzle.com and they kept telling me that they will give me a call which never happened. 

this is the order number from the company. This is the order that they reported me of having ( 1 ) late payment which again the ORDER got canceled because I have not received the products that I paid for. 
Order ID : XXXX

Company response to consumer: Closed with monetary relief