vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
In XXXXXXXX XXXX XXXX I asked for Wells Fargo to stop all automatic payments on my account because I was out of a job and the funds that were in there was needed. Wells Fargo stated that stopped the payments and never did. I asked multiple times and they stated it had been stopped. My account is not closed and they stated that it wasnt my fault and sent me a cashier check. They informed me I could open up another account but my information is in XXXX XXXX. Now I cant open any bank. I am very upset with Wells Fargo about 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent accounts reported to me. I am requesting that all erroneous names, addresses, and unauthorized inquiries be deleted from my credit report.

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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/, I received a written notification stating that I allegedly owe {$1500.00}. I do not recognize the company that sent the notification nor have I ever conducted any business 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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Credit Reporting Agency changed my legal name without verification or requesting my government/state issued identification credentials. My data has been breached twice this year and the companies that compromised my identity offered the 1yr. credit monitoring service, XXXX XXXX, sponsored by Experian Credit Reporting Agency. My personal data was listed on the Dark Web. I had to change all of my accounts, passwords and cellphones. 

Instead of keeping my data safe, my data is being haphazardly mis-managed and violating my consumer rights.

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 2023-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, specifically pertaining to the account with the following details : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It has come to my attention that late payment dates are reported on the aforementioned account, which I believe to be inaccurate. I wish to bring to your attention that, based on the merits of my situation, I was assured by the creditor that no late payments would be reported due to a death in the family. The circumstances surrounding the death in the family led to an agreement with the bank to temporarily hold off on incurring interest and payments. As such, the account status should accurately reflect that payments were made as agreed and that the account was never reported as late. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
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 Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had a legitimate dispute with several charges from XXXX that was not rectified with the airline. I disputed the charges on my Capital One account. Bottom line- we purchased XXXX flights from XXXX XXXX who then cancelled XXXX flight and changed another at our request as they let us know we would not make our connection. We were transferred to XXXX. We had paid for preferred economy though XXXX XXXX. XXXX said they could re book the same upgraded seats but had to charge us initially and the refund would be within 21 days. It was not. I disputed the charges in great detail with Capital One on XXXX. I received a form letter indicating I did not provide the information asked for. I called and provided the information and resubmitted ( I did not sign or date the documents and now they were ). I received the same form letter on XXXX. I called again and provided the requested information. This went on until my last call to them on XXXX when they told me the time had expired. I talked to XXXX. The last manager I talked to before this told me everything looked good and I just needed to respond to XXXXXXXX XXXXs dispute. The airline dispute was absurd as they did not seem aware that we had been moved from XXXX XXXX and already paid for seats once. I did not think it needed a response as my reports were very concise and clear as to what happened. I accused Capital One of delay tactics. XXXX person told me to call the XXXX. I did another report regardless. I had provided every bit of information they wanted but each time I called it was something different until time ran out. It is not legal to charge a customer twice for upgraded seats. It was a simple case and proven by me. Capital One said they had guidelines but when I questioned their method they clearly did no actual investigating on my behalf, their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am trying to close my cashapp business account. They currently have {$100.00} frozen in my wallet and will not release it. Customer support claims that it is on hold due to a XXXX  line, which was filed in XXXX against a seperate business. Said XXXX lies was settled and released in XX/XX/XXXX. Despite providing proof that this is a seperate business, and also providing proof of the settlement and lien removal, cashapp still will not release the funds that are currently on hold so that I can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This company claims a debt is new and shows on credit report as defaulting on the debt on XX/XX/XXXX. This debt is old and it was charged off in XXXX XXXX. I am still contacting the original creditor and yet to be contacted back because they couldn't find the information on the credit card only to who it was sold. It has been sold twice to two different companies. The statues of limitations for my state has expired and they have been treating me to sue me to collect this debt.

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 2023-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Optum Bank sends extremely vague, undated notices to customers that are impossible to correlate with any particular transaction. An example is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. TU have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.

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 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
I paid an extra mortgage payment years ago. I called and paid it over the phone to XXXX so that I would be an extra month ahead. I told them to apply XXXX payment to the current month and apply the second payment to the next month. The following month I got a statement showing I owed for that month. When I called they said they applied both payments to the current month. I stated I did not want & I did not have the funds to make XXXX payments that is why I applied to the next month so I could always be ahead and current. They said they would fix it and apply that extra one to the next month & take off the late payments. I never received statements in the mail from that point forward and no one ever called saying I was late. I paid at the end of the month for the next month. So making on a payment on XX/XX/XXXX to be applied for the XX/XX/XXXX due date. Little did I know paying the XX/XX/XXXX was for the XXXX payment. So they were applying a late fee every month. Thank XXXX I never paid past the end of the month or I would have had a late on my credit. But when I called every month to get this fixed they assured me the late fees would be reversed and they would fix it. THEY NEVER DID! I always spoke to a manager and I know they record their calls. I demanded they listen to the recordings to show they messed up and took my 2 months of payments and applied them wrong. AGAIN everytime I called they said they would fix it. Then they sold my loan and NEVER told me. I was paying the old place XXXX and they sold to Roundpoint. They apparently moved my payments, lost them and never even called me to tell me my money was going to the wrong place. I was told it is the LAW to send me notice that my loan was sold. The only way I even knew it was sold was that I was buying a new home and my lender stating i had a new loan of Roundpoint company showing up on my credit and he was asking what it was. If i hadn't been buying a new home I would have never known I was paying the wrong company. Thank goodness again not reported to my credit. But now since it was sold and I was buying a new home I was REQUIRED to pay those fees that XXXX said they would reverse or I wouldn't get my new home. This is totally illegal and want XXXX to give me back that money they took wrongly. I know I was being recorded, so I know there is record " SEVERAL '' of them saying it was their error and it was to be taken off. Instead I paid {$1500.00} worth of wrong applied fees. I WANT this given back to me. These companies should not be allowed to take advantage of us. Please listen to the recordings and get my money back. THANK YOU!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/, my statement balance was {$67.00}. This was paid in full. On XX/XX/, my statement balance was {$740.00}, of which {$11.00} was " interest charges '' based on a balance of {$460.00}. How this makes any sense is beyond my comprehension, and now, I feel the need to go through every single line item on my statement going forward. This is highly deceptive conduct. This is not based on the interest charged, but my concern is that this " error '' may be widespread and may be affecting millions of other account holders that allow the company to scrap up revenues that likely would pose high regulatory concerns here. I have attached both my XXXX and XXXX statements for ease of reference.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
XXXX XXXX, an employee of XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. I am the sole owner. XXXX assaulted me on XX/XX/. I was awarded a protective order from one year, and the judge allows him to run the day-to-day operations of my company XXXX XXXX XXXX. On XX/XX/ XXXX walked away from the company without giving me any warning or notice. I had to subpoena bank records from First National Bank where XXXX personal checking account, a checking account XXXX a business XXXX is owner of at XXXXXXXX XXXX, a checking account at XXXX XXXXXXXX XXXX where XXXX XXXX XXXX XXXX, owned by XXXX XXXX ( brother ) XXXX runs/ownes. I received all the proof XXXX endorsed checks made out to XXXX XXXX XXXX and mobile deposited these checks into his personal account at FNB, mobile deposited checks into his business at XXXX, mobile depisited checks and had wires deposited into FNB in XXXX XXXX XXXX, these deposits were significant at over {$110000.00}. When he walk away I was left with lots of bills, people calling me for money to pay bills, all the money XXXX took he was supposed to pay these bills. Instead he walked away and left me in so much debt the company closed and I have had to deal with lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
6 months ago American Express began calling my husbands work phone about my account and I ask them to stop and they assured me it was removed. They have been calling him 2-5 times a week since

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, specifically pertaining to the account with the following details : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It has come to my attention that late payment dates are reported on the aforementioned account, which I believe to be inaccurate. I wish to bring to your attention that, based on the merits of my situation, I was assured by the creditor that no late payments would be reported due to a death in the family. The circumstances surrounding the death in the family led to an agreement with the bank to temporarily hold off on incurring interest and payments. As such, the account status should accurately reflect that payments were made as agreed and that the account was never reported as late. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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