vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
This is not a duplicate complaint technically seeing is that Cashapp has responded and had these complaints closed without addressing the issue typed and it seems this Consumer Department is helping them do so. So here is the complaint for the company to address. 
I was harmed on both XXXX  andXXXX XXXX XXXX  in Wisconsin because my financial institution Cashapp who operates out of XXXX XXXX, CA let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX  paired with a XXXX XXXX in my back that restricts my inhalation and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my XXXX would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the day. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH XXXX XXXX XXXXXXXX information in this link is, to me, quintessential to understanding where I am coming from. This department can not close this claim without Cashapp properly addressing this matter and going further with nothing other than them remedying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
there is incorrect personal information on 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 2023-02-14 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: TX

Complaint narrative:
there is incorrect personal information on 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is a bad-faith actor. They helped themselves to over $ XXXX in overages based on false accounting. They defied a judge 's order and never took my home out of foreclosure in 2010 and continued the foreclosure action for 2 more years. They did not accept my monthly mortgage payments and tried to lock up the house, illegally on2 occasion. They then sold the mortgage while we were in dispute and added their false accounting numbers which added an additional $ XXXX to my original mortgage note. If this was done to me, there so many other innocent, hardworking, American customers that have been overcharged by this bank. They gained an additional $ XXXX for falsifying their accounting, defying a judge 's order, and needing to be held accountable. They continue to provide the same false accounting and have offered me {$600.00} in restitution. This is outrageous and they must be investigated for misrepresenting their accounting and overcharging their customers.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I have agreed to AmEx 's paperless billing and had my notifications set so that I would receive an alert each time a statement was published in my account ; however, I never received notification when the XX/XX/XXXX statement was created. When my XX/XX/XXXX statement arrived on XX/XX/XXXX, I logged in to find out that I missed the payment and I immediately paid the outstanding balance in full. Then I chatted with customer service, who agreed to waive the interest and late fee associated with the missed payment as I had already rectified the situation. I've attached screen shots. 
Then, on the next month 's bill I was charged additional interest and fees relating to the same event, in which AmEx had already agreed to waive the interest and fees. To date they have charged me {$180.00} for the single missed payment, net of the interest and fees they did waive on XX/XX/XXXX. I've closed my account and paid their fees to keep them from further bullying me, but they acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Beginning around XX/XX/XXXX, I removed an authorized user from my credit card ( Chase won't give me the precise date ). I recovered the card from the user, then charges were being made without my approval or knowledge. I then changed my card number due to fraud in late XXXX or early XXXX ( Chase won't give me the precise dates ). Charges continued to come in, so I called Chase again ( Chase won't give me the precise date ) to see why. Even though I recovered the card & changed the card number, Chase 's policy isn't to also remove the card from all mobile wallets ( XXXX XXXX in this case ). I filed two fraud reports with Chase, and their fraud department only does a cursory review of my case and then denies it without me ever being contacted directly by fraud investigators. They call once and then close against me. Both times I was on calls for work and even relayed alternate times to contact me outside of work hours. I called back both times and asked to speak to the investigator and was again not connected to either one. 

Please help me escalate this with Chase. Part of reporting fraud means removing the card from mobile wallets as well and they need to change their process. I should not be liable for these charges due to their miss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In XXXX I reached out to TransUnion in reference to unauthorized inquiries on my credit report and was advised to send in a FTC, police report with copy of my DL/SS card and I did. So I gave it a few weeks before I called to check on the status after being told they needed those documents to remove the unauthorized inquiries. 
On XXXX I reached out again after seeing this fraud alert on my report that had phone numbers in the alert that wasn't mines. I spoke to representative by the name of XXXX XXXX that could not speak XXXX that well and asked her about my situation. After asking her multiple times about the report and the false information on my file she stated she could not help me and the paperwork was not in to support my claim. XXXX XXXX got very upset and started to be rude. I asked for her supervisor she told me no several times until after I told her my rights were violated and I wanted her supervisor. She later transferred me to another representative is when she answered the phone and someone was making homophobia remarks about me keep calling in which i reported to the XXXX organization!!! This representative name was XXXX XXXX who also came on the phone with a poor attitude and refusing to correct the information on my report or use the documents sent in to remove the fraudulent information. XXXX XXXX was very argumentative is when I told her they had false information on my report that they refuse to remove after I didn't authorize them to add the statement on my report since this number belongs to someone else just as the inquiries that need to be removed ASAP.

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 2023-02-14 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: VA

Complaint narrative:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo account charging higher interest and fees along with bank account charging overdraft fees.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to buy an acre of half of land to build my dream home and I can not get a conventional home loan due to my score being at 680 instead of 700. 

I checked my credit reports to see what was holding my score down and saw three very old accounts from XXXX still reporting after they have been taken care of by bankruptcy. These accounts should have been deleted as they are ten years old. 

The bankruptcy listed has incorrect information as well and should be removed. The name associated with the bankruptcy is incorrect. My birth certificate states XXXX XXXX not XXXX XXXX. 

I tried to submit a dispute online but it is not allowing me to send a dispute for Report Number XXXX. The credit report was Generated on 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 2023-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
Name is XXXX XXXX my complaint is that malen associates has not responded to my faxes and written communication regarding file XXXX the debt is for XXXX  XXXX credit card ending in XXXX. I ask malen and associates to set me up on a payment plan I could only afford XXXX XXXX dollars a month and I would like start my first payment in XX/XX/2023. But the problem here is that they have not responded to my request. And I think their doing that on purpose to make it look like I haven't responded in a timely manner. I wrote to them in XX/XX/2023 also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: NY

Complaint narrative:
XXXX XXXX accessed my XXXX consumer report without my written authorization. I never gave this company to obtain access to my consumer report. This is a invasion of my privacy as a consumer and illegal to do without my authorization.

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 2023-02-14 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: VA

Complaint narrative:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/22 XXXX XXXX XXXXXXXX pulled a hard copy of my credit report without my consent or knowledge. 
I reported to XXXX XXXX XXXXXXXX and transuion

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX IS VIOLATION of MY CONSUMER RIGHTS XX/XX/2022 XXXX XXXX XXXX  reported that I was late making a {$47.00} payment. THIS IS NOT TRUE OVER THE YEARS I HAVE NEVER BEEN LATE ON THIS ACCOUNT UNDER 15 USC 166B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME. THIS IS ASN ERROR THIS ACCOUNT IN VIOLATION. UNDER 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. I never received full disclosure to opt out this is deceptive practices. 

This has caused immense harm to my daily livelihood. I have not been able to obtain credit and this is really draining me mentally.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX IS VIOLATION of MY CONSUMER RIGHTS XX/XX/2022 XXXX XXXX XXXX  reported that I was late making a {$47.00} payment. THIS IS NOT TRUE OVER THE YEARS I HAVE NEVER BEEN LATE ON THIS ACCOUNT UNDER 15 USC 166B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME. THIS IS ASN ERROR THIS ACCOUNT IN VIOLATION. UNDER 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. I never received full disclosure to opt out this is deceptive practices. 

This has caused immense harm to my daily livelihood. I have not been able to obtain credit and this is really draining me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Inter-Cambio Express, Inc.
State: KY

Complaint narrative:
I send $1000.00 on 02/10/2023 with

InterCambio express.

InterCInterCambio express says that the money appears received but my sister has not received the money in XXXX. 

XXXX is the place where the transaction would arrive. To today XXXX has not received the order to deliver the money. 

This is the first time having issues with InterCambio express to send money to Colombia. 

Translate to XXXX XXXX XXXX XXXX XXXX  $1000.00 XXXX  10/02/2023

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I filed a complaint prior but it was 'closed ' because the mortgage company ( Wells Fargo XXXX claims they didn't have my phone number to contact me. It's a circus of excuses with Wells Fargo. I received a letter by XXXX in XX/XX/XXXX to contact a WF representative- which I did- I left a detailed voice message that included my name, phone number and case number / mortgage number. A couple weeks pass & no response. The only action taken was to 'close ' the case because they couldn't contact me! I called again and left a voice message & this time ( XX/XX/XXXX ) I received a call back. The representative claims she's had many instances of people saying they left a XXXX but she didn't receive them. Even says she's let the company know of the issue & nothing 's been done about it. So they've admitted to having 'voice mail ' / tech issues. During the course of the conversation on XX/XX/XXXX I explained that during my conversation with their reps back in XX/XX/XXXX that I was denied a mortgage modification due to 'not making enough money '. The rep on XX/XX/XXXX says this isn't possible as it would have gone to an underwriter first before a denial and they don't do that over the phone. News Flash! I was denied over the phone back in XX/XX/XXXX. I provided a detailed account of my finances over the phone and was denied during an approximately XXXX minute conversation. The rep on the phone on XX/XX/XXXX asked if I had the name of the representative from XX/XX/XXXX, the time and date of the call. No, I don't but the current call is being recorded for quality assurance purposes - wouldn't the call from XX/XX/XXXX also be recorded in some manner, whether voice recording, computer detail, etc as most customer service reps are required to do - provide an account of all calls/concerns? In the age of information when we are not people to large, nameless, faceless mega-corporations, but simply an arrangement of numbers - wouldn't they be able to reference the call from XX/XX/XXXX from my ss # or mortgage account #? Conveniently for Wells Fargo, I'm being told they wouldn't be able to track the call according to my mortgage # or any other identifiers unless I had a specific date/time/customer service rep name. These are the games that Wells Fargo plays in the age of information ( or in their case, DISINFORMATION ). Not surprising that Wells Fargo is 'leaving ' ( I'm thinking being forced out of ) the mortgage lending business due to their shady business practices.

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