vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by a person on XXXX  to invest in XXXX. I was promised high returns and the investment plan would take one month to finish and after one month that I am able to withdraw my money. The person told me that he charges a 6 % commission on the return on investment. After one month had passed he asked me for his 6 % commission, he said that I need to pay his commission before I could withdraw the money from the broker or else he is going to freeze the account and I won't be able to get my money. I got scared and paid him his commission. After paying his commission, he said that I need to pay taxes on the return on investment first before I am able to withdraw my money. He then charges me 5 % fee on the return on investment. After paying him the 5 %, he msg me the next day asking for 5 % more or else I won't be able to withdraw my money. At this point, I told him I don't have any money to pay him. We communicated back and forth and I keep telling him I have no more money. He then lowered the amount and I keep telling him I got nothing to give. I asked him for the 5 % of the money I gave him because nothing was done, and he told me it'll take 5-10 days to return the money. 5 days had passed and I msg him on XXXX, he un-installed his XXXX  account and I got no way of communicating with him. I contacted the broker to withdraw my money but they are giving me a run around that they have escalated the issue and they will get back with me in 48 hours. It has been 2 weeks of communicating with the broker and they keep telling me the same answer to that they will get back to me. I tried withdrawing my money from the broker but they keep rejecting it. I reached out to wellsfargo to try and dispute the transactions and they denied it. I hope that you could help me with this issue. Thank you very much. 

My initial investment money {$18000.00} The commission fee {$5500.00} Taxes fee the person charged me {$6600.00} XX/XX/22 {$5000.00} XX/XX/22 {$4200.00} XX/XX/22 {$5000.00} XX/XX/22 {$5000.00} XX/XX/22 {$3200.00} XX/XX/22 {$3100.00} XX/XX/22 {$4600.00}

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
Consumer complaint received 2022-08-23 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681.And they violated my rights numerous times. 
I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 
ATTORNEY GENERAL-CHI # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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:
Equifax has not exercised the grave responsibility with fairness, impartiality or respect for my right to privacy. Equifax added a current employer listed as XXXX to my consumer report, along with my current home address, and personal phone number. I did not give written instructions to Equifax to add my previous employer. I do not feel safe for me or my family. This information being displayed on my consumer report is now public record. That creates a very harsh environment for me because I am constantly uneasy while at home enjoying my family time. I no longer feel safe at home or work. This is making my everyday life extremely hard to deal with. Equifax is not adhering to the federal laws put in place in the FCRA. Furnishing information without my consent has undermined my confidence in their ability to operate with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Affirm is reporting to my XXXX credit report inaccurately. There is an account ( Account Number XXXX ) reporting 30 days late. However, I was told several times that the account is in a positive status and all I needed to do was fill out a form and once completed it would remove the negative late on my credit report. The response after completing the form indicated that the account has already been paid in full. On multiple occasions I was provided inaccurate and contradicting information on Affirms credit reporting. Phone calls are recorded and can confirm this. The account that Affirm is showing as late is also reporting the amount inaccurately. I would like Affirm to remove the late payment from this account ( Account Number XXXX ) on my XXXX credit report because it is being inaccurately reported. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( Spring Oaks Capital ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has failed to comply with the FCRA rules in reporting. I have closed my account. I requested verification and they failed to verify and to remove. Not only they failed to close my account properly. they reported inaccurately. I have disputed this with them and they refused to do the right thing and remove it. Please take a snapshot at this document I am enclosing as it supports and demonstrate the amount of inaccuracy they have done. inaccurate balance reported in accurate open date in accurate disputed information in accurate the rules says that their reporting has to be 100 % accurate if this is inaccurate how do you guarantee that their slander is true. see for yourself. they should be penalized

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 2022-08-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts 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 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your 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 2022-08-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts 1 ). # 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 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This response is regarding the {$1100.00} Invoice No. XXXX Invoice Date : XX/XX/2022 totaling {$1100.00} from XXXX XXXX. This invoice from XXXX XXXX was received for the first time on XX/XX/2022 despite services rendered five months or more earlier. There was never an invoice from XXXX XXXX prior to this date and there is no support for the charges on this invoice. An initial payment was made on XX/XX/2022 for {$650.00} for delivery and weight up to three tons and a second payment was made on XX/XX/2022 for {$740.00} for weight overage charges. It was the customers understanding that these charges totaling {$1400.00} were payment in full and the account was settled. Subsequently, and with no prior notice or discussion, and no invoice, a third charge was received on XX/XX/2022 for an additional {$850.00} which was disputed. Now Invoice XXXX has been received for an additional {$1100.00} requesting another {$650.00} dumpster rental and for three dry run charges at {$150.00} each totaling {$450.00}. According to XXXX XXXX own XXXX XXXX XXXX run charges are {$50.00} and XXXX  are {$470.00}. We have paid {$650.00} for a {$470.00} dumpster rental already. Please continue this dispute. At this point we do not trust any documentation provided by XXXX XXXX. XXXX XXXX appears to be creating increased invoices as time passes. Enclosed is a copy of XXXX XXXX XXXX Rules reflecting {$470.00} for a rolloff and {$50.00} for a dry run. As a reflection of the dumpster market, typically, a 20 yard dumpster 's average cost is approximately {$450.00}. Because the dumpster was in XXXX the {$470.00} was approved. Chase is not been willing to help. i mailed 2 certified letters to XXXX XXXX without any success. chase don't even bother reading the letters. unacceptable. I'm a great Chase client. also, any dumpster anywhere is not more than {$650.00}. we paid already XXXX XXXX  {$1400.00} ... .for one dumpster ... one trip ... outrageous and fraudulent that they want another $ XXXX.scammers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
McCarthy, Burgess & Wolff and doesnt have any relationship with XXXX  and XXXX is not my account number. Also another party is calling me called XXXX XXXX XXXX XXXX. They said they hired a private investigator from XXXX XXXX XXXX company. I did some XXXX research and it says it is a scam, and it looks like they are saying the same things over and over. I have an active and current account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for and was approved for a XXXX Credit card in XXXX of 2021. When I made my initial purchase ( only purchase made to date ) I selected the " XXXX XXXX, 60 months equal payments '' At that time the payment for 60 months was to be {$400.00} per month. Recently starting in XXXX, my accounts minimum payment has increased to XXXX dollars. What I have learned in dealing with Comenity Bank and XXXX is that Comenity is no longer servicing XXXX customers. And that the old customers ( such as myself ) were retained by Comenity Bank. Comenity Bank went through a major upgrade on XXXX and there entire system was down for a week or more. After that update, is when my payments changed. It appears that they no longer have me on the " 60 month equal payment plan '' and my account has been defaulted to a standard revolving credit account. I need the terms of my original purchase to be honored. I need any and all late fee 's to be reversed. I have made every payment of XXXX dollars since my purchase. I have tried numerous times to work with Comenity and XXXX to get this resolved. XXXX, although they agree with me and have explained to Comenity what happened, ultimately are unable to help get it resolved. Commenity, is unwilling to listen and to date have not offered any resolve to the matter. I still have my original purchase email which clearly states that I chose the 60 month equal payment option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 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: MI

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 ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX XXXX  ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS 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 : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
On XX/XX/2019, PACIFIC CREDIT EXCHANG added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT EXCHANG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. Cease all contact and attempts to collect any debt.

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 2022-08-23 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: WELLS FARGO & COMPANY
State: TX

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 2 : 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 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 2022-08-23 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: Essential Lending Inc
State: TX

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 2 : 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I transferred my money out of this Citibank account and asked that they close this account. However, I am getting emails saying I'm accruing fees they monthly. I've called but they put me on hold or say they need my account number to close my account. I destroyed my ATM card and banking information when I closed the account. I'm able to use my social security number for the automated system but when I speak with a Representative, they seemed to not be able to pull up my information.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I want to close my Comenity Capital Bank/IKEA Project card because they billed me over {$30.00} in late fees and minimum interest for a {$3.00} interest charge that I did not know I owed. I logged into my account online on XX/XX/22 and paid the full balance, {$1400.00}, that was showing. I then was charged {$3.00} in interest on my XXXX statement, which I was unaware of. I logged into my account online today and learned for the first time of the {$3.00} interest and that I have been charged late fees and minimum interest fees. I paid the total outstanding balance. I then tried to close my account. Online it says that to close your account you have to call the Customer Care phone # on the back of the card. It does not provide any other options for closing your account. I called Customer Care at XXXX, which is the # on the back of my card, and it does not give an option to close your account, or to speak to a customer care agent, or to say that you're calling for another reason. The only 5 options it gives you do not apply. After cycling through these options 3 times, I was finally transferred to an agent. She told me that she could not help me and that I had to call the Customer Care #. I told her that I had called the Customer Care # and that it gives me no option to close my account, talk to an agent, or indicate that I am not calling about any of the 5 options, and that I was put through to her. She told me that she could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( XXXX XXXX XXXX ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/22 multiple XXXX store credit cards applications were processed in my SSN and my maiden name, which was not done by me, so it was fraudulent activity. All of the stores have been contacted and were supposed to mark the applications are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I do not recognize the debt. And Bank of AmericaXXXX XXXX XXXX has failed to validate the debt. They are still reporting the debt.

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