vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Synchrony Bank on XX/XX/ regarding fraudulent charges that they allowed to go through on my credit card that maxed out the credit card. After identifying the charges with their representative I was told that it could take up to 60 days for the fraud claim to be fully resolved but they would be issuing a temporary credit within 48 hours for the amount of the fraudulent transactions so I would be able to use my card again. 

On XX/XX/, I noticed that the provisional credits had not yet been applied to my account and I was still unable to utilize my credit card. I called Synchrony bank again to inquire about the status of the provisional credit. At first the representative told me that it would take 60 days and that there was no way to provide a temporary credit. After informing her of my previous conversation, she admitted that she could do it but it would take an additional 48 hours to process. 
As part of this credit card, I received a promotional discount on all gas purchases made during a specified time after opening my account. Due to Synchrony bank not following their own procedures and not processing a provisional credit for fraudulent transactions as they promised they would, I have had part of that promotional period taken away at no fault of my own. Due to this, I will have to pay additional money that I would not otherwise have had to pay because of Synchronys negligence in blocking fraudulent transactions.

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 monetary relief
Consumer complaint received 2023-01-19 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: NJ

Complaint narrative:
I just feel most times if my account is low they charge me high over drafts fee a lot of times wave more often I had account with them for more than 3 years

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 monetary relief
Consumer complaint received 2023-01-19 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Kia Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at Kia Financial that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe Kia any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My funds were frozen and considered to be fraud and then bank closed my XXXX without giving me my funds

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 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Both my checking and savings account were frozen for weeks, then eventually closed by WF, after a suspected fraudulent deposit to my savings account. I was a customer for over 15 years.

WF also closed my credit card account without my consent.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent in a validation of account information in XXXX and asked for several items on a letter dated XXXX XXXX XXXX XXXX I just got a standard response that the debt was verified and correctly listed again and it is not and I am now including a letter asking for all of the items to be corrected and verified and be sent to my mailing address within 30 days. This account should be dleted because of Experian being Non Compliant and not EVER giving me the information that I am asking for. I want the CFPB to hold them accouintable according to the law since the failed to give me the account information I have been asking for. This is what I want and it is spelled out in the letter. 

XXXX. I want proof of signature on financial contract and date sent to me. 
XXXX. Date opened was XX/XX/XXXX according to XXXX XXXX but it is listed on my Experian as XX/XX/XXXX. 
XXXX. I want dates of all payments made and what payment methods I used to pay you and what dollar amounts I paid you each time. If I paid by check, I want copies of all checks. 
XXXX. There is a date of last activity of XX/XX/XXXX how is that possible when the last date of activity was when it was charged off in late XXXX 
XXXX. You have it being charged off on XXXX XXXX  that is totally false as well and needs to be corrected and deleted. 

Are you familiar with something called 15 U.S.C. Section1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well, I want these accounts to be deleted if they are not 100 % correct and if Experian fails to comply with my request of information as described above as it is my right to ask for the following information. I do understand by law you have 30 days to comply, or account must be deleted. 

I am at my wits end they never comply with my request, Please force them to do thier Job Thank you, XXXX XXXX XXXX I am including the new letter the previous letter and my credit report with experian showing the inaccuracies of date of last activity date charged off which is wrong as well and the balance showing on a charged off account which should be zero

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 2023-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I used AfterPay to purchase items but the items never arrived. A refund was granted by Afterpay for {$580.00}. AfterPay only deposited half the amount. The other half they claimed the bank refused the other half. Afterpay is now asking for personal banking information to verify the two deposits were declined. This leads to identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Was a wells fargo customer from XXXX to XXXX. Wells Fargo charged me multiple overdraft fees by manipulating the order of transactions. They also opened up a ghost credit card in my name fraudulently without my consent.

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 monetary relief
Consumer complaint received 2023-01-19 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: MS

Complaint narrative:
XXXX or XXXX had XXXX XXXX believe we was charged to much interest on the car

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 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
When I went to Wells Fargo to access my savings account and safe deposit box, I was told that my safe deposit box had late fees and my savings account ( which the money for the fees of the safe deposit box was suppose to come out of ) had been declared unclaimed property. Not only was my money gone but my safe deposit box had not been paid for, so it had late fees. When I set up this system, the banker knew what my intentions were and didnt say anything about needing to make further transactions on the savings account beyond the automatic payments for the safe deposit box or be at risk of my account being considered abandoned. 

I have been into my local branch and have been working on this since XXXX. I have received no communication from Wells Fargo since XXXX. I have an inquiry number XXXX, but have not received any communication 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 2023-01-19 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: NJ

Complaint narrative:
As of Late I seem to have a problem with all three Bureaus ( Transunion, XXXX, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on TransUnion and is not on XXXX or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.

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 2023-01-19 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: NJ

Complaint narrative:
As of Late I seem to have a problem with all three Bureaus ( XXXX, Equifax, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on XXXX and is not on Equifax or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am in the process of application of a mortgage loan. I already have an existing home and current on the mortgage and all other credits account which I have created over time. I monitor my credit profile carefully and often, reported credit rating from all reporting agency is greater than XXXX. 

In XXXX I received a letter form XXXX XXXX mortgage stating that I would receive a higher rate of pay for mortgage insurance because of the reported credit score reported by XXXX XXXX. I have notified this company that the scores were inaccurate of which they state that the score is reported from Experian. These are not the scores that are reported. Now an additional company is reporting erroneous information, Enact as well. I have gone to the Experian site to report the error without any correction to the score. So, now I will be paying a higher rate as a consequence of these inaccuracies. 

Thank you, 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 2023-01-20 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: FL

Complaint narrative:
I submitted a dispute and furnish my id and utility bill. They sent me a stall letter as if it was not me that submitted my information this is the second time and I want it resolved

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 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: MD

Complaint narrative:
This debt was reported on 2 of my credit reports ( XXXX, XXXX ). The collection account ( The Phoneix recovery Group ) Has been taken off my XXXX on XX/XX/2023. And is still on my XXXX this debt is a fraudulent debt that should have been removed from my credit report. Id like to report this debt Collection issues for it to be removed and be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Just seeing if I qualify giving me my money back.

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I deposited a cashiers check on XX/XX/XXXX of a total amount of {$10000.00} to my wellsfargo saving account. My receipt stated funds would be available on XXXX/XXXX/23 and they were not. I went to the bank directly and teller informed me a second hold was placed on the check and that I would have to resolve the issue with customer service. I called customer service regarding the issue and was informed a message was sent to me via the app messaging system regarding the hold. I never received an email regarding a new message on my wellsfargo app or an email regarding the hold on the cashiers check. I spoke with customer service and they informed me there was nothing they could do to expedite the process or release the funds. 

My wellsfargo mobile app shows the funds in green as processed and does not state any message regarding the funds pending for any reason which is leading to confusion. 

I then had the person who wrote the check contact their bank ( XXXX ) and on their end they stated there were no issues disclosed with the account the check originated from and that the funds were released to wellsfargo on XX/XX/XXXX/23.

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 2023-01-19 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:
XXXX reported corporate business card to my personal credit report. 
I'm not working for this business anymore but the information is still on my credit report and the bank is refusing to remove it. 
This against the Law and should be removed immediately. 
Thanks.

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 2023-01-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXXXXXX Partial Acct # XXXX, XXXX XXXXXXXX Partial Acct # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX Partial Acct # XXXX XXXXXXXX XXXX XXXX. Partial Acct # XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an 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