vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX months ''.

is ambiguous and is not clarified in the clause.

I understand it as for opening a Wells Fargo Premier Checking account within the past XXXX months, meaning XXXX months period only is about the date of opening the account. - i.e. the XXXX  months restriction period starts on this date, and XXXX months from that date XXXX is eligible for the promotion again. 

I had contacted XXXX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that XXXX months from the date of opening the previous account XXXX is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the XXXX Wells Fargo bankers is correct.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I did a total number of four dispute the company responded four times but they did not change anything 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
multiple calls, no indication of what the debt is or any validation of the debt, will not stop calling- Midland Credit Management XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I updated my credit profile and seen an unrecognized account on my file. Im a victim of identity theft and have no knowledge of the accounts being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, Please be reminded, No consent is identity theft : XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX Please promptly remove this data within 4 business days under pursuant 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I did a total number of XXXX dispute the company responded XXXX times but they did not change anything 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did a total number of four dispute the company responded four times but they did not change anything 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did a total number of four dispute the company responded four times but they did not change anything 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 2024-10-22 00:00:00
Product: Credit reporting 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$570.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$610.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 00:00:00
Product: Credit reporting 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any 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 ) states : 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please review the fraudulent and suspicious items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year> my ReliaCard was stolen. I had made food purchases and last used my card at a corner store. Since, I have not had possession of my card. I went to purchase lunch and noticed I could not find my card. I checked the app and noticed several ATM transactions totaling {$1000.00}. I had only used this card for food and when I realized my account was compromised I immediately reported this to US Bank ReliaCard and was told I would not have liability and that I would be protected. My claim was incorrectly denied stating I benefited from these transactions in which I did not as I did not have possession of the card and have not had the card since XX/XX/year>. There were food transactions that posted later which I made the agent aware and he stated they know sometimes restaurants post purchases the following day. I did everything on my end to ensure the card was reported stolen and they denied my claim which is wrong and not protecting me as I should be.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
At the end of XXXX, I updated my payment information with American Express ( AMEX ) without realizing that it defaults to " Statement Balance. '' On XX/XX/XXXX, I woke up to find my bank account overdrawn by {$3500.00}. I immediately called AMEX, and they informed me the only solution was to issue a check, which would take over a week to process. I contacted my bank, which confirmed that I didnt have enough funds to cover the transaction so it would fail. I then called AMEX back to cancel the check, and they agreed, telling me to wait for my account to update so I could make the minimum payment. 

However, on XX/XX/XXXX, AMEX attempted the payment again, overdrafting my account by {$3500.00}. I called AMEX again, and this time, I was told that their policy is to retry failed ACH payments up to three times, and there was nothing they could do to stop this. They advised me to place a stop payment with my bank, which I did. 

Meanwhile, I was still waiting for my AMEX account to update so I could make the minimum payment. Finally, on XX/XX/XXXX, my account was updated, allowing me to make a minimum payment. However, AMEX processed the check payment despite our previous agreement to cancel it and I never received any check so in my mind I thought this was canceled, and now my outstanding balance has ballooned to over {$7000.00} when I initially owed only {$3500.00}. 

AMEX 's handling of this situation has been unprofessional. They failed to provide complete information, and their customer service representatives did not listen or update my account properly. Despite being a large company, AMEX seems to lack proper processes for handling requests and communicating effectively. Even my bank has advised me to switch to a different credit card company due to how poorly this was managed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My credit limit was somehow maxed out. I stopped using the card. I had auto pay enabled so my balance should have been coming down. Somehow my balance continued to increase despite the payments I was making. Then my auto pay was turned off and they claimed I did it. They continued to authorize transactions from XXXX because they are a business partner. Now my balance is up over {$2800.00}, and my limit was XXXX. I can not afford to pay what they want to make the balance current, and because of that, I keep getting interest and late fees added and I am now unable to pay on the card because I don't have the money they want up front. I asked them to waive the interest and late fees to bring my account to XXXX and I would work with them to pay what I owe, but they claim they can not waive the transactions because they were agreed upon by me and XXXX despite the fact I have no credit available. My credit report has tanked and it is effecting my house mortgage and car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently deputed this account but Equifax XXXX and Equifax are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and Equifax, XXXX, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently deputed this account but XXXX XXXX and XXXX are not doing their job by reporting accurate information on my credit report. This fraudulent, inaccurate and false information consist of personal credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, also XXXX  XXXX XXXX opened on XX/XX/XXXX under the account number XXXX also credit account XXXX opened on XX/XX/XXXX account number XXXX. 
I have requested a 1099 cancellation of debt form from the company and XXXX, Experian, and XXXX but they have failed to provide me a 1099 Another reason for this inaccurate information should be removed from my account because they have violated my right for repeatedly reporting charge-off C/O every month. This is an update in the payment history, A Charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the aforementioned account. 
This account has been sold to a diff company also and still reporting is a violation of my rights. 
Truth in lending act ensures that you receive a clear and honest disclosure of the Terms of your credit report agreement but this company has also violated my right as a consumer which makes this account 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX of XXXX till XX/XX/year> I have requested for all information to be VERIFIED and to MAKE SURE THAT ALL INFORMATION IS " ACCURATE ''. My life has been placed in danger because of the allegations of the alleged debts are Completely Abusive and harassing me as the Natural person the consumer. I am trying my best to live in peace but I am in fear for my LIFE and have been falsely imprisoned by this C.R.A. There behavior is Not right and whomever is responsible should be arrested to and fined to the highest Degree. XXXX XXXX is the president of this unjust and victimized institution has played a key role in how inaccurate and Harassing information in plasted to the WORLD. Me obtaining Essential GOODS is not possible. There must be a change I can't live with all the lies that's placed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I request a waiver for all fees for this account until a mutually acceptable resolution for all my multiple complaints is reached.

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