vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  XXXX Account # XXXX ( XXXX ) XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX  XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX to notify them of many fraudulent charges that were on my credit card statement and to dispute these charges. I was never notified in any way by Wells Fargo about suspicious charges on this credit card and a representative from Wells Fargo confirmed this over the phone. All of the disputed charges were at XXXX and on my statement it shows it from an Arkansas based XXXX and the oldest charge was on XX/XX/XXXX and the most recent charge was on XX/XX/XXXX. There were a total of 101 charges that were fraudulent all from the same XXXX vendor . The fraudulent charges totaled {$8600.00} and the majority of the interest charged during that time is also attributable to these charges and it totals {$630.00}, and the single largest fraudulent charge was for {$260.00}. Wells Fargo responded by a letter in the mail and stated that all of these charges were determined by them to be legitimate and that none of them were fraud since they followed what they said is my normal spending patterns. I never shop at XXXX XXXX ever. Not a single charge at XXXX follows my spending patterns. I called them after this to dispute their conclusion and reviewed with them some of the odd spending patterns that were created. One oddity was nine transactions at XXXX in a single day and often times there would be 4 or more transactions in a single day. Another oddity is being charged exactly {$70.00} six different times in 2 days and also being charged exactly {$81.00} nine times over five days. I argued that this is not a normal spending pattern for any real person. They said they would investigate and send their response by mail which they did and determined again that none of these mentioned charges were fraud and that I am responsible to pay for all of them. {$3300.00} of these fraudulent charges happened within the last two statements when I notified them of the fraud and disputed the charges. And again, they never once contacted me by phone, text, email, mail, or internal message on their website about any suspicious activity related to a single one of these charges. Now they're sticking me with the bill for all of it and unfortunately I've already made cash payments for half of these charges.

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 2023-04-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( XXXX, equifax, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TN

Complaint narrative:
My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( experian, XXXX, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.

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 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
Rent DEBT Automated Collections is stating I owe {$3800.00} This is inaccurate information listed on my credit bureaus. 

I am requesting this account be removed from my credit report. 


Account name RENTDEBT AUTOMATED COL Account number XXXX Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXXXXXX  Status Collection account. {$3800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MA

Complaint narrative:
On my credit report I see an open credit card through XXXX XXXX with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and XXXX XXXX did not accept the dispute. Dispute filed on XX/XX/XXXX  through Experian.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Loqbox US Inc
State: TX

Complaint narrative:
I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them 1 dime i didn't open this account i asked for contract with my signature and they still have never responded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} Convergent Outsourcing : {$1000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel. 

Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: KS

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/2023 I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/2023 since I had not heard anything from this company I sent out a second round of validation letters and still received no response. 
I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ordered a wire to be sent on XX/XX/XXXX  through XXXX XXXX. The Wire was sent early XX/XX/ to a Wells Fargo Account. We kept checking in with the recipient to see if they had received the payment and even after a week, they could not see the wire in their account. 

I checked with my bank, XXXX and they reported that the money had been sent. Called Wells Fargo with the recipient on the phone and they did not see the wire and referred us back to XXXX, the sending bank. 

After not getting anywhere by calling and emailing the banks, I ordered XXXX to do a wire recall on XX/XX/XXXX XXXX 

Today is now XX/XX/2023 and so far my bank XXXX has not heard back from Wells Fargo related to this wire. 

We have confirmed that the account and routing numbers were correct. And if XXXX is correct in saying that the money is somewhere in Wells Fargo, then Wells Fargo just needs to look for it and send it back. 

XXXX has provided an IMAD number to look for the wire and Wells Fargo won't even try to look at where it went. 

This is a domestic wire, between business accounts, we have never had a problem with XXXX, I haven't had a problem wiring to XXXX XXXX XXXX XXXX XXXX, so I'm surprised that not only did we have a problem with Wells Fargo, but that they are so reluctant to look into this issue.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. There dont have customer care number for me to contact them. I was able to restore my XXXX  account providing clarifications regarding all verification that was done to restore my account but it is not been case with gemini. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team. They just ask you to create a ticket and they dont provide any ticket no and they dont do anything after you create a ticket which is really annoying. I filed a case against gemini trust company , LLC with NYS Department of financial services but I was told to reach out to your team since purchases that I made on gemini portal were made in california outside new york state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2017, I purchased tickets to a XXXX XXXX XXXX game from XXXX. The XXXX website stated I would get to select the section I sit in, but instead the tickets were automatically assigned to me leaving me no choice as to where I sat. They made a false claim. The tickets that were assigned to me were very different from anything I wouldve chosen or paid for. I immediately contacted the company to get a refund as this was a very different product from what I intended to purchase. They refused to issue the refund and provided no meaningful reason for this decision. I disputed this charge with Ally as this perfectly fits the criteria for a chargeback since the item I was sold was substantially different from what I received. Ally responded that they would not issue the chargeback because XXXX has a no refunds policy - they have never addressed the fact that the product I received was significantly different from what I was told I would get. In other words, they have no substantial basis for denying my chargeback and they can only move forward by attempting to deflect from the main issue that the product I received was significantly different than advertised by responding with the non-sequitur that they dont issue refunds. They have incessantly lied to me alternating between saying that they go based on the XXXX chargeback policy ( in which case I am absolutely due a refund ) and that they have their own chargeback policy - when I ask for copies of their chargeback policy, I am told that it is confidential and proprietary, clearly indicating that it does not exist. They have also lied about an executive customer relations team reviewing the case and contacting me - nobody has ever done such a thing and it is unclear if such a team even exists. The bank is refusing to abide by their own policies and I have been deprived of XXXX  XXXX dollars plus interest as a result. The ethics of the bank are nonexistent as the excuses and lies have come from a multitude of individuals I have spoken to who hold various positions, indicating that this unethical approach is institutional.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On Monday XXXX XXXX I attempted to use a benefit of my Chase Sapphire Reserve credit card. It is part of My Chase Plan and called " Pay over time ''. There were three charges for which I wanted to use " pay over time '', you are allowed up to 10. All three are charges for XXXX XXXX XXXX XXXX Two are for {$6200.00} and one is for {$2200.00}. When I looked at all three they had the same information. It is 0 % interest and {$0.00} monthly fees. After completing the first for {$2200.00}, I went to the second. At this point the terms were changed. Now the monthly fees went to {$39.00} per month. A total of {$470.00} for the year on 12 payments with 0 % interest. When I looked the XXXX It was the same {$39.00} per month, 0 % and {$470.00} for the year. A total of {$940.00}. Nowhere in the information provided for " pay over time '' does it state that either interest or monthly fees would change after first use. I immediately called Chase to question this. I spoke with XXXX at Chase and was advised there is nothing that can be done. I spoke with a supervisor who repeated that once opened it was non changeable. I advised the system showed that the transaction was still pending, not yet completed. That made no difference. I requested if the payment could be switched to one of the larger amounts. Also denied. I was aware of the no change no cancellation policy after approval. I was not aware that my first use would change the terms going forward. 
This is how it was left until this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} EOS CAA : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 noticed on my Experian credit report that there were XXXX collection accounts that were reporting inaccurate information and so I requested an investigation. After they investigated, they did not correct the error. The accounts are as follows .... XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX, {$8400.00} XXXX XXXX XXXX, XX/XX/XXXX, {$790.00}

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