vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ) an XXXX XXXX XXXX showed up at XXXX XXXX XXXX XXXX to purchase 2x new fridges and 2x new gas stoves. He said that he was in progress of " renovating '' a double unit house in the area and that his " boss '' put him in charge of getting some new kitchen appliances. We eventually came to a deal for the 4x appliances at XXXX $ and he would be picking them up. I checked his ID and credit card for matching name etc. It matched up, but the credit card was infact a business card. It had the business name ( which I can not remember ) and then his name, XXXX XXXX. The card was beat up, but did not have any sketchy attributes ( aka unaligned letters etc. ). He went to pay, but neither the swipe or chip was working. He said it had been acting up lately, which was suspicious but does happen sometimes... I told him to come back when it works and the deal will still stand. He came back the following day and pulled out the same card. He told me it should work and that we can just key it in. I was reluctant, but the guy was persistent and did not seem weird about it ... also the fact that he tried to make a deal in the first place was not typically of a fraudulent transaction. He paid the XXXX XXXX got a XXXX to pick up appliances, and then was back in roughly an hour. We loaded him up and he was gone. We thought everything was fine until we recieved a credit card dispute through Square on XX/XX/XXXX for the whole amount with the reason being that they did not know about the charge. We then reached out to XXXX XXXX phone # from one of our shop phones that he would not recognize, and said " Is this XXXX? '' and he replied " Who is this? ". Note he did not deny that it was not him. We then directly confronted him about the dispute, a read receipt popped up showing that he saw it. We then tried to call, and the phone immediately went to voicemail and the messages would no longer go through. We were blocked/his phone was disconnected. 

Police Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
They are always changing the for overdraft from companies that I have asked them to block.afer I have paid them off so this is causing a problem with family sending me money that money is food and other items so I am thinking about closing wells Fargo all together I am tried

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 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
we always paid our mortgage payment so in XX/XX/2012 we refinance with Wells Fargo we were forced by the representatives to be awarded a month no payment. They intentionally lied to not pay XXXX month. We were shocked that a bank would betray theirs customers. And would not accept our payment even after we found out thru threats of forclosure attorneys fee total {$9500.00}. And refused any payment to correct it. We sort other agencies housing committee also XXXX agency. They gave us no other alternative but XXXX more years modified loan then sold us to specialized mortgage

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I did debt consolidation with XXXX XXXX XXXX. A settlement was reached with XXXX XXXX and now Wells Fargo is still adding interest, late fees and this was supposed to have stopped once a settlement was agreed upon. According to XXXX XXXX XXXX a settlement was in the amount of XXXX something dollars and now the balance is showing {$7500.00}. The credit reporting is showing that we are not paying and that were in collections which needs to be corrected because Wells Fargo is getting paid through 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 2022-12-20 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: UT

Complaint narrative:
Experian continues to leave outdated addresses on my credit report. I've repeatedly said that the XXXX XXXX XXXX XXXX  XXXX address is outdated and needs to be removed. See attached.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Via Fax XXXX Re : Claim Number : XXXX Account ending in : XXXX Amount : {$2100.00} To whom it may concern : On XX/XX/XXXX, my account was fraudulently hacked via a funds transfer in the amount of - {$2500.00}. I filed a claim, and on XX/XX/XXXX Bank of America issued an adjustment credit in the amount of XXXX. I was issued a new card, never used the card, and on XX/XX/XXXX my account was again fraudulently hacked via a funds transfer in the amount of - {$2100.00}. 

On XX/XX/XXXX, I subsequently received a Notice of Data Breach from XXXX XXXX of which I previously used the card ending in XXXX, stating that this event may impact the security of certain customer information ( See attached ). 

As a result, I filed several claims to have an adjustment credit and its been seven months and I am still waiting for my credit for XXXX. 

Please issue my credit at your earliest convenience. Thanks, I appreciate it Very truly yours, XXXX XXXX : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Enclosures XXXX XXXX Notice 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 2022-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Since XX/XX/2022, I have received at least 48 phone calls from Rocket Mortgage ( XXXX # XXXX ). I regularly receive four phone calls per day. I believe this violates the below telemarketing regulation. 

Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, subsection ( 1 ) ( i ) : Causing any telephone to ring, or engaging any person in telephone conversation, repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; Additionally, Rocket Mortgage 's behavior is highly concerning. I picked up one call, and the agent stated " Hello, our records indicate you are looking to refinance your mortgage ''. I haven't submitted anything anywhere that supports that statement. I explained I wasn't interested and asked them not to call me again. They continue to call, and now are also texting me. This also violates Title 16, Chapter I, Subchapter C, Part 310, 310.4 Section B, Pattern of Calls, but subpart ( 1 ) ( ii ). 

The last text asked me to get in touch with them asap to " finish '' my refinance. What refinance? What are they talking about? If I were a person with memory problems or other medical cognitive disorders, I could be confused by these abusive practices into actually entering into a mortgage contract I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
I have attached an FTC report with fraudulent accounts that are not mine and they need to be deleted

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 2022-12-20 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:
Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

XXXX5 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.

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 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
Williams & Fudge Inc. Phone number XXXX has continoiusly called me while at work, after I have told them numersous times the hours I work, yet they have continued to call me for months. 
I can see in my recent call log a phone call on Friday XX/XX/XXXX, Monday XX/XX/XXXX and today XX/XX/XXXX. 

Its almost daily that they call me despite me telling them when I am available outside of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My checking/saving accounts were constantly being charged fees, statements fees, low balance fees to the point I closed the account

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A check was fraudulently cashed on XX/XX/XXXX in the amount of {$3800.00}. A claim with Wells Fargo Bank was filed approximately XX/XX/XXXX when the fraud activity was discovered. We received a letter from Wells Fargo Bank dated XX/XX/XXXX providing a claim number and stating that it would take at least 90 - 120 days for us to received the money back from the other bank or correspondence as to why the claim was denied. We have received absolutely no information about the status of the claim and calls to the bank have not been helpful.

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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I transferred money to the person 's name XXXX. He told me he works for affordable moving LLC as I needed movers for relocating from XXXX to XXXX. I transferred XXXX on XX/XX/22 and XXXX $ o XX/XX/22 and that was through chase bank app ( XXXX ). I called Chase bank, and they told me that they can't get money bank since it was through XXXX, and it is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: ID

Complaint narrative:
I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; one in XXXX, one in XXXX, and one in XXXX of 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 2022-12-20 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I dealt with a nightmare scenario when a fired employee of my company got a hold of a check in the mail for my business XXXX XXXX  XXXX and endorsed the back of the check with his own name and deposited the check through the Wells Fargo ATM drive thru and without veriying or doing any due diligence, this crooked bank allowed the full funds of the check to go through to his account, when was never on the account and the check was my business name. I talked to several branch managers, filed over XXXX check return claims, completed several breach of warranty paperwork and they still refused to return my money to me, nor take the money from that criminal 's account or close down his account. Plus I filed a mediation request and nobody ever contact me or followed up on this mediation request. 

It was not until I hired an attorney and going to file suit in court, did they finally return the money not to myself but to the issuing bank that issued the cashier check, which was XXXX. The check was for the amount of {$10000.00}. Check # XXXX, issued on XX/XX/22 and deposited on XX/XX/22. The criminal who falsely endorsed the check now has felony warrants for his arrest. His name is XXXX XXXX and he also had a wells fargo acccount as well and the sequence number for the check deposit was # XXXX. 

I would like to make a formal complaint for illegally allowing the funds to be made permanent to someone in an erroneous error and they made no attempt whatsoever to correct their mistake and nearly a dozen managers and claim representatives told me I would be refunded my money back to my account and made me go through endless hoops and claim filings only to lie and waste my time and kept the error in favor of the person who illegally deposited the check because of their own negligence. 

I have enclosed all documents supporting my case and statements.

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 2022-12-20 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: FL

Complaint narrative:
Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.

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 2022-12-20 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: FL

Complaint narrative:
Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
I have attached an FTC report with accounts which are fraudulent and they need to be deleted

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 2022-12-20 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: Vehicle Solutions Corp
State: TX

Complaint narrative:
I had a voluntary report in XX/XX/XXXX. Vehicle Solutions Corp took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that Vehicle Solutions Corp Sold the truck on XXXX and registered in North Carolina. I immediately contacted Vehicle Solutions and reported what I have learned. XXXX Vehicle Solutions representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America owes me {$160.00}. 

I had a credit balance of {$160.00} on my credit card. 
On XX/XX/XXXX I requested a check. 
Check never arrived. 
On XX/XX/XXXX I requested the credit be put back on the card. 
Credit was never put back on the card. 
On XX/XX/XXXX I again requested the credit be put back on the card. 
Same run-around. No credit on card. 
I'm fed up.

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 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase sent a letter on XX/XX/2022, indicating that they will close my account on XX/XX/2022 because of your association with another account previously closed. I called them and they didn't provide any more information about the decision. I think they made this decision because of my nationality XXXX XXXX XXXX. Therefore, I believe this is discrimination against my nationality.

Company response to consumer: Closed with explanation