vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Credit Control, LLC
State: NC

Complaint narrative:
I was contacted by phone from Credit Control LLC by represented XXXX on XX/XX/2022 he informed me that the company was willing to give me a settlement deal for the credit card I had for XXXX I informed him I did not have the money but I was expecting something but I do not want my card debited until I called to confirm the money was in my account I was informed by XXXX XXXX they will not debit my account unless I called to confirm and it was a recorded line on XX/XX/2022 the money was taken out my account without my permission I called them and they will not refund the money back to my account I spoke to a manager 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 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/31 through Wells Fargo Bank, my account was fraudulently withdrawn {$370.00} and {$370.00} by use of XXXX. One of the phone numbers used by the suspects belonged to an account within Wells Fargo. The account was opened briefly and multiple fraudulent transactions occurred through this account before being closed. My account was deemed compromised by the Wells Fargo security team and a migration occurred. My loss of {$750.00} was denied reimbursement by the fraud claims department, thereby breaching 12 CFR 1005.

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 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
GreenSky provided a loan for XXXX XXXX to perform medical procedures which were performed on joints that can not be fixed. I have contacted GreenSky several times about my issues with QC and their unfair and illegal sales tactics. GreenSky refused to help and violated my rights as a consumer to dispute the charges and said if I dont pay they will ruin my credit. The interest rates are higher than advertised and are all front loaded. There have been many complaints against GreenSky and taking advantage of vulnerable situations. GreenSky has not answered a single message or email as I have emailed them 4 times since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. 
My funds are locked on the platform. I used my XXXX account to transfer XXXX  to the platform which does work and syncs up with the exchange. I was able to transfer XXXX from the back door platform site to my XXXX  and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. 
I have all hashes, screenshots, wire transfers with my bank to the XXXX exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. 

Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. 


Please contact me at my cell number XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Celsius US Holding LLC
State: OH

Complaint narrative:
I had {$18000.00} in XXXX XXXX Celsius, but they blocked my access to my money because they are having insolvency/liquidity issues. 

XXXX XXXX the CEO of Celsius has released several misleading and inaccurate statement regarding the solvency and safety of storing money with Celsius.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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

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 2022-06-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Company National credit system They dont want reduced my account I paid XXXX XXXX.on XX/XX/2022 Balanced {$2800.00} they dont want reflect in my credit beareu.when I try to talk whit the representative he used abused language whit me and he increase my amount again .I request a letter whit balanced because in my statement is paid in full they never send to me thats affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I XXXX  a {$470.00} by Well Fargo bank on XX/XX/2022 to a seller name XXXX XXXX but turn out he never ship or send me the order. And I have tried to contact the bank but they cant do anything about 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 2022-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.

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 2022-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I purchased an Item from a company called XXXX XXXX and used Affirm through XXXX XXXX website this was purchased XX/XX/2022. We contacted XXXX XXXX monthly to get updates on status of order and was told every month that the item was not in yet and they kept pushing the projected date for 30 days. On XX/XX/XXXX I contacted them again through email inquiring about the product they told me again it was not in yet and the projected date of item being in stock XX/XX/2022. On XX/XX/XXXX XXXX XXXX closed all shops without warning, and never sent product. The issue is we have this loan with affirm for this product that we let them know we never received and we submitted all documentation that supports this along with the emails that I contacted the company and what we were told, nor Affirm is giving me the run around and telling me I still have to pay this loan even though I never received the product and have already made XXXX payments totaling over {$400.00} dollars, they have not opened up a dispute on this and keeps sending me these same cookie cutter emails every time I send them the proof of the order and not reciving the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, and # XXXX - US Bankruptcy Court 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

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 2022-06-20 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: CA

Complaint narrative:
I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late

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 2022-06-20 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: CA

Complaint narrative:
I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NC

Complaint narrative:
I have requested multiple time to remove two hard inquiries from my Transunion report that were not authorized or was a misrepresentation of the company. The other two credit bureaus have corrected the information, Transunion seems to always refuse to do so. 

XXXX XXXX XXXX has sent them letters to request removal and I've sent the same letter of the request to them beginning in XX/XX/2022 and it still remains on my credit report as a hard inquiry. 

I've disputed XXXX XXXX XXXX XXXX XXXX XXXX which does not have any information or documentation of my agreement to access my credit report and Transunion is aware but refuses to remove the hard inquiry off of 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 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
As I have attempted to rectify this ordeal, and unsuccessful at doing so, as VS, CB, & CEO 's are not cooperating. There is a {$300.00} limit however they locked the card because of my attempt to ask questions that they are misleading on and shows {$0.00} is available. Victoria Secret, Commenity Bank and the CEO 's has suspended authorization for further use of the credit card, A violation of 15 USC 1602 ( p ). All while demanding payment, failing to disclose they are a debt collector per 15 USC 1692 E ( 11 ). I reserve all rights as the Consumer to enforce being treated fairly per 15 USC Chapter 41 subchapter V, without injury ( s ). The allege balance due are mostly fees and interest as they constantly violate my rights per 15 USC 1692f ( 1 ) and shut me down when I attempt to resolve this matter telling me I have no rights. I was told they are the 'original creditor ''. I have lost sleep because of this. This has cause mental anguish and the lost of many opportunities for my family that I now see a therapist for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies Equifax Information Services LLC, XXXX XXXX XXXX XXXX, nor XXXX XXXX, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is not calculating interest correctly on its XXXX credit card account. I pay my balance in full every month, except for a bill due on XX/XX/2022. Here, Capital One charged me {$82.00} in interest for an average daily balance accrued on purchases made prior to that date. These charges violate XXXX XXXX own disclosure terms, found at https : //www.capitalone.com/credit-cards/quicksilver/ According to their terms, If you paid your previous months balance in full ( or if your balance was XXXX or a credit amount ), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances. 

Because I paid my previous balance in full, interest on the subsequent charges should not begin to accrue until after the grace period, or after XX/XX/XXXX. 

Moreover, Capital One does not send daily push notifications for interest charges they assess, but they do send notifications on other purchases. ( If a notification were sent, I missed it. ) Moreover, Capital One does not permit users to dispute the interest charges on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20 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: TX

Complaint narrative:
XXXX XXXX XXXX amount of {$8200.00} date XXXX XXXX XXXX XXXX XXXX amount of {$65.00} XX/XX/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 2022-06-20 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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

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 2022-06-20 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: VA

Complaint narrative:
I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying for over a year to get the inaccurate information such as addresses and employment information removed off of my consumer reports and these companies are not removing them. In fact they are completely ignoring me and my request. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. My personal information is completely INACCURATE. This is completely unfair to me because I was never even notified when these companies initial investigation begun and that they were going to report this information. This grave error has undermined my confidence in your company 's procedures and as a result, I will NO longer be extending credit and if this information is not removed, I no longer want my information reported in your company 's database.

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