vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I purchased a new vehicle in XXXX of this year. My auto loan is through Wells Fargo. When I tried to sign up for online access to my auto loan, I kept getting an error message and it said to contact Wells Fargo. When I contacted Wells Fargo the agent told me that there was already a checking account with my maiden name open and my XXXX was off by a day, but there was no money in the account. I explained to the agent that I haven't had a checking account until XXXX of this year. He in turn opened an identity theft case and an online fraud case at Wells Fargo. I contacted the local police department, and they told me to get more information from Wells Fargo in order for them to investigate. I called back every XXXX days for a while and was told that I had to go to XXXX, WI, which is about a half hour from where I live to provide them with a copy of my ssn card, driver 's license, and it had to be in person in order to be able to create an online account. They also told me that the checking account was closed and that their identity theft team noted that it was a fraudulent account. Long story short, I have tried since XXXX to get information for our local police department, but every time I call, I get shuffled from one department to another. I have a half dozen or more case numbers from Wells Fargo because each time I called they issued me a different case number.

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 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I was not contacted about this dept or given a appropriate amount of time to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank checking account in XX/XX/2023 with a promotional code XXXX. I found this code and link directly on the US Bank public website and then I proceeded to click on the link which took me to the account opening instructions and also pre-populated the promotional code for me. I carefully read the requirements needed in order to qualify for the {$400.00} account opening bonus ( direct deposits totaling XXXX or more within 90 days of account opening ). I met these requirements in XX/XX/2023. The bonus was never paid. 

I followed up with US Bank several times and was told by several different representatives that I had met the requirements. Ultimately my query was forwarded to the US Bank promotions department who explained that the code which I had found using a public link was a targeted code that was sent out via mailer and only recipients of this mailer qualified for this new account opening bonus. I re-iterated that I had found the code on US Bank 's public website and that nowhere during the application process was there any obvious warning or disclaimer that customers were targeted and therefore could be denied the bonus.

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 2023-08-04 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Around XX/XX/XXXX, I received one letter in the mail from Alliant Credit Union stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that Alliant Credit Union reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called Alliant Credit Union immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like Alliant Credit Union 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
LVNV Funding is reporting on my credit report that they own a debt from XXXX Bank XXXX in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place LVNV Funding in further violations. I reserve all my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After pulling all 3 of my credit reports, I've notice a collection debt from TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS XXXX. # XXXX AND # # # # # # XXXX YOU CAN SEE DIFFRENT COMPANY NAME ON EACH CREDIT REPORTING BUREAUS AND ACCOUNT NUMBERS, ( THE XXXX ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract/application with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED PERMANTELY FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XX/XX/2017 no judgments are to be reported on neither 3 credit bureaus. This is illegal again I do not owe this debt that the TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ has reported, and it is not mine. I request that TRANSWORLD SYSTEMS INC AND TRANSWORLD SYSTEMS INC/ REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX XXXX XXXX AND XXXX XXXX I DON'T EVER WANT TO SEE THIS ILLEGAL ACTION ON MY REPORT EVERY AGAIN. I'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON MY REPORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have two capital one cards that the interst are way to high for national average on loans an the late fee is based on any particular merit just floats as the head XXXX stated to me so the late fee can be more than the minimum payment amount an the fee don't respond to the number if days you late they chage it the first day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
There are several unauthorized transactions. I have had to file 3 disputes with chime financial services. The 1st dispute is 28 transactions and a total of {$1300.00} dollars. The 2nd dispute has 11 transactions and a total {$300.00}. Finally the 3rd dispute is for {$100.00} dollars and 2 transactions. Chime financial services just continues to deny my disputes even after getting the police reports, the identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023, I purchased 2 concert tickets in the amount of {$1200.00} ( XXXX XXXXXXXX each ) and were asked to transfer to money through Venmo XXXX After the transaction happened, I learned that the Venmo account that I had sent money to was not the initial seller. Turned out the seller used her friend 's account to receive the money and had that person send the money to her. I waited for hours yet I did not receive the tickets and the seller stopped responding to my messages. Early morning on XX/XX/2023, I called Venmo to report the transaction and was told they would take care of it and would help me to get my money back. I also asked the Venmo receiver to send my money back as it was a scam but he told me he had already send the money to the seller ( his friend ). At that time, the transaction was still pending on my bank account so I called the bank to stopped the transaction before it finalized. The bank was able to stopped the transaction with the charge of {$35.00}. 

On XX/XX/2023, I received an email notifying me that my Venmo account was frozen because of negative balance. Turned out Venmo sent the money to the receiver while the transaction was still pending on my bank account and now Venmo wanted me to pay them back the funds they had sent to the scammers. 

I contacted Venmo with the hope they could at least take proper actions against scammers and requested the money back from them. Yet it did not happened. They never asked for any proof or information regarding the scam nor willing to resolve the issue. As a customer and a victim of a scam, I was lucky to get my money back in timely manner, yet Venmo is now after me for the funds and sending me notices that they would give my information to a debt collector agency. As Venmo is with Paypal, on XX/XX/2023, Paypal sent me another notice to request me to pay back the fund. 

Venmo has been used as a mean to scam people and they are not taking proper actions to protect their customers who are victims of scams. Instead, they're after us victim and pretty much not doing anything to the scammers. 

I know there are a lot of people out there who are unfortunate for not being able to get their money back. I was able to through my bank, and now Venmo 's collecting debt from a victim which is absolutely obstructive. 

I hope by raising my voice and submitting my case, CFPB will help us victims to at least correct Venmo 's procedures in handling cases like these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court

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 2023-08-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have recently checked my credit report and seen inquiries I did not authorize XXXX XXXX ( trans union ) XXXX of XXXX XXXX trans union XXXX XXXX XXXX XXXX trans union XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( trans union ) XXXX XXXX XXXX trans union XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( transunion )

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian on XXXX XXXX and I was concerned about a mortgage and auto loan showing up as closed or wasnt paid. These thing werent mine but listed as red arrows showing that they were not paid as agreed. That means somebody had access to my info opened these accounts and did whatever they wanted and now left on my credit report. Experian claims they cant see these things because they are not showing up on their end. I have called 4 times in total and did XXXX emails with proof. I had no help and was transferred between departments at least 7 times. My score has dropped XXXX points and I cant even get any help or reasoning on why. Because they dont have information that shows this mortgage or auto loan. This isnt fair so now I sit here with a XXXX score and no help because they claim theres nothing they can do. Horrible company and they dont care about their customers. It shows then they talk to you like youre crazy but you clearly have proof

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 2023-08-04 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: MA

Complaint narrative:
applied for American Express XXXX XXXX and after spending the promotional offer I didn't receive the bonus points and they still charged me the annual fee for no benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank Of America been with them for 30 years and Ive constantly was charged for things. I didnt do transactions that they let come in late just so that they can charge me late fees now my mother has passed away and I have total guardianship why I was taken care of her and I did close her Bank of America accounts, and then they took three weeks to release her fines even with the court documents in XXXX certificates which caused financial devastation with my family in proceeding to bury her. I do believe that she is entitled to the settlement against Bank of America. Have plenty of proof. They robbed her for decades Thank You XXXX XXXX XXXX XXXX XXXX ( Legal Estate Beneficiary )

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 2023-08-04 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: NY

Complaint narrative:
XX/XX/2023 {$1600.00} XXXX XXXX XXXX Account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tap account number : XXXX dispute attempt ( mail-in )

Company response to consumer: Closed with non-monetary relief