vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF THE WEST
State: OR

Complaint narrative:
Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Inaccurate information reported. The loan is not delinquent. The company website did not allow me to update the banking information. I attempted several times via email through their customer service. There is not way to reach by phone and the website is frequently not working.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian sent me an email dated XX/XX/22 stating that they are denying my request. My request was not made in error, it was not made on the basis of material misrepresentation of fact by me in relevance to block identified transactions, and they determined that I have received possession of goods, money or services. In order to determine that they would have to search my home to find any goods that they speak of in which they have not. 1681 cXXXX states that they are required to block information no later than 4 days and Experian refuses to do what they are obligated to do in requirements to federal law. 
I've asked for permissible purpose that they have on file and they never sent any documents proving so, nor have they provided an investigative consumer reports. Its clear to me that Experian does not care that the banks are dependent upon fair accurate credit reporting and they also do not care bout their affirmative and continuing obligation to protect and secure the privacy and confidentiality of consumers nonpublic information. 
I have filed an identity theft report, XXXX XXXX XXXX reports, and a XXXX reports.

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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was trying to purchase an exotic bird from a website. I made the purchase through XXXX and the business who was selling the bird. Didnt fulfill the purchase. I tried to reach out to Wells Fargo. Which is my bank. XXXX my transaction has the info of where the money went to and to whom it went to. I dont have that ability to see or dispute more than submitting a claim with my bank. They told me to wait 10 days. Which I did. And then when I called on the 11th day. They said the case was closed and they wouldnt give me the money back. If I didnt receive the good and Im claiming that the individual was committing fraud and grand theft. Then they should reach out to the receiving bank asking for my money. And they should take the money from this individual who had to have shownwd Identification to open up and account and negative balance his account. Or something needs to be done to fix the 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian have violated my consumer rights by violating my right to privacy. Per 15 USC 1681b prior to the release of my personal information my written consent is needed, which I didn't not provide to them. Also, according to The Gramm-Leach-Bliley Act, any and all financial institutes are prohibited from disclosing personal information to third parties.

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 2022-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A fraudulent transfer was made on my Bank of America checking account via XXXX. Someone accessed my account and sent {$10000.00} to an unknown person. I contacted the bank right away and been told time and time again, they can not help me. They claim that XXXX is a third party and I need to work with them. I've contacted XXXX and because the transfer of funds was made using the Bank of America XXXX portal, and not the XXXX app directly, they turned me away and advised on the bank can help me. After ( 2 ) weeks of going back and forth with Bank of America and submitting a claim for fraud / unauthorized transaction, the bank has denied my claim an closed the case.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( XXXX ). XXXX  also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back on XX/XX/22 to notify them again. The agency was not familiar with the publication and tried to insist that I did not qualify for discharge. I had to insist and request that they confirm that I had federal student loans. They reluctantly did so. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 XXXX, XXXX and Transunion. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!

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 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Beginning with XXXX, I submitted a request for a free credit report and identified an account to which I have no knowledge or association to. This is identity theft/ fraud and I need help removing this from my credit report. Please help! Details are listed below. 

*I have called this company and it can not locate me using my social security number and I can not assist any further because I do not know of any account number except the last four digits listed on the XXXX Credit Report. 

This account has a balance of {$27000.00} as of XXXX XX/XX/XXXX. 

It was opened on XXXX XX/XX/XXXX. 

The last XXXX digits are XXXX. I don't have any other information about this account aside from what is being reported by XXXX. 

The contact information of the company is : JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX, FLOOR XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - 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 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER 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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I owe {$800.00} and change per month ( all included ) on my loan with loan depot ( a national lender ) I paid {$450.00} twice a month ( {$900.00} a month ) to add an extra payment per year. They received the money but argued that they are not equipped to take bimonthly payments and would apply randomly any {$450.00} to principal. 
After a few months they decided i owed them a full month payment. I called try to negociate the agent told me {$170.00} would put my account back in good standing. I said i had already paid much more than that and had never been late. But to avoid unnecessary stress decided to pay over the phone with a debit card. The agent told me he account was in good standing. 
Nevertheless they kept on sensing me texts harassing me that i still owed them {$90.00} I told them they could use any of thr overpaid money as i was not going to pay a penny more. 
They sent me back the {$170.00} and are now telling me i owe a full month. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX made an atm deposit at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 

there was a XXXX XXXX money order {$800.00} check included in the deposit. 

Received a letter from TD stating the Monday order was illegible. 

Went to the local branch and ask why it is illegible, teller name XXXX said the check was lost and she will write to XXXX demand a credit. two weeks later still no respond. 

Now the case was transfer to supervisor XXXX XXXX XXXX, she said there is no phone contact to the atm department and only thing she can do is email but still no reply? She said there is nothing else she can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: NV

Complaint narrative:
Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, Transunion, and XXXX XXXX regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at XXXX XXXX. XXXX XXXX informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and Transunion accounts. On XX/XX/XXXX, XXXX removed the two fraudulent XXXX XXXX hard inquiries from my credit report. However, Transunion didn't. I've reached out to TransUnion to have them remove them ; however, they claim that they can until XXXX XXXX reaches out to them. But when I reach out to XXXX XXXX, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. XXXX 's claims are entirely false ; you can confirm with Transunion that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my TransUnion to be removed. I can provide proof of my credit report clearly showing one hard inquiry from XXXX on XXXX and 3 from Transunion. 



In the attached document, you will see clear proof that there is one hard inquiry from XXXX, which is correct in my experience. Followed by three inquiries on my TransUnion, which is incorrect, and two of them should be removed, the two being XX/XX/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 2022-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
Stolen checks resulting in check 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 explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like Experian, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.

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