vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received XXXX American Express gift cards totalling in the amount of {$620.00}. XXXX cards each with {$200.00} and XXXX with {$25.00}. On XX/XX/2024 I tried using these cards at multiple retail establishments and over XXXX places online. When they were all declined I called the number on the back of the cards to make sure they still had balances on them, the all were still full. I checked on their website americanexpress.com/mygiftcard and that also confirmed the cards still had full balances. 
I then contacted American Express to find out where I could use the gift cards, they said I could use them at any place that accepted American Express, and even suggested places like XXXX, XXXX, and XXXX. They said I might have trouble using them at the gas pump. 
I then tried using them at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX online stores, when those did not work I attempted to use it at the grocery store XXXX in person, that too was declined. I can not find any place that will accept these cards. It appears to be an attempt to just keep the money. 
Attached are the notices I received after XXXX declined my payment using the gift cards as well as screen shots of the balances still on the cards. I tried using different cards to see if there was a problem with only XXXX of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
A company called Resurgent has been emailing me daily about a debt that is over XXXX XXXX XXXX. Well past the XXXX. I want to know how to stop these people who have clearly bought old debt to stop harassing me. This isnt even my debt! I was just an authorized user on the account. This is unfair and clearly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I sent a letter XXXX requesting validation information about the debt in question. I received a letter dated XXXX stating they received my inquiry. Since then I have received multiple emails regarding the debt in an attempt to have me pay the debt, and threatening legal review and possible lawsuit. I am under the impression that attempts to collect debt must cease until I receive the debt verification information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

has violated my rights. Or a list of inquiries : 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 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 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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unbeknownst to me, on XX/XX/2024, {$1000.00} was withdrawn from my Wells Fargo ( WF ) checking account. I happened to check my account on XX/XX/XXXX, noticed the fraudulent withdrawal, and immediately called WF to report the fraud. With the help of the banker, the account was closed, and an investigation was initiated.

- I learned that the withdrawal happened inside a branch store on the other side of the city. 
On XX/XX/2024, I called WF to inquire about the status of the investigation. I was told that the fraudster had an I.D., and the signature on the withdrawal receipt matched what was on the I.D . so as far as WF was concerned, this investigation was concluded ; my father immediately contacted the XXXX XXXX. non-emergency operator and asked where to file a police report and was told that it needed to be filed here in XXXX ( Texas ) so we went to the police station and did as directed. 

Also, on or about XX/XX/XXXX, I requested of WF that this issue be escalated to the Customer Advocacy Group for resolution. Because this fraud happened inside the bank and with cameras, I asked if I could send my picture and/or I.D . to show that it wasn't me, but I was told that it wasn't an option. I was told to check back in XXXX working days. 
I called the WF Customer Advocacy Group and was told that they closed the investigation because they determined that my mother, who was a joint-owner on the account, made the withdrawal ( initially, they said it was me ) AND did not file a complaint about the funds being fraudulently taken, so they considered the withdrawal valid and closed the case. This is utterly preposterous! My mother and I were here at home on the day of the withdrawal and did not travel to XXXX. 

Why was my mother a joint owner? I've had this account for a very long time, and my mother is the one who helped me open the account because I couldn't open it on my own. I just never had her taken off the account. 

I contacted the XXXX XXXX. on XX/XX/2024 to inquire about the investigation and was told that the case had been transferred to the XXXX XXXX XXXX XXXX Department because the theft happened in XXXX XXXX ( remember, I asked about that before ). From personal experience, this case being sent to XXXX XXXX is an enormous waste of time because it will be added to a pile of reports that will not be earnestly investigated, and will be subsequently discarded. 

Wells Fargo closed the investigation, I suspect because they don't want to be held liable. XXXX XXXX will not investigate this matter diligently, if at all, and I can't afford to lose {$1000.00} out of my 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 2024-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is inaccurate addresses and accounts on my consumer report.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/24 I issued a wire transfer of {$50000.00} ( daily limit ) to one of my own external bank accounts. And on XX/XX/24 I issued another {$50000.00} again to same external bank account. Both transfers are to be used for a property purchase. I received a few emails on XXXX stating the wire transfers were pending but that I did not need to do anything. Then again on XX/XX/24 an email to authorize the transaction where I had to click Yes to authorize the transaction. Then I received another email to call their number to verify the transaction. I then made a 30 minute phone call with Citi Bank ( long-distance from XXXX ) and correctly verified all of their questions. I was told nothing else was needed. I received one of my wire transfers on XX/XX/24. However on XX/XX/24 without any other communication via email or phone call the other {$50000.00} wire transfer was canceled. Citi bank clearly has my email and phone number and has already received numerous verifications from me. There is no reason left for them to withhold my money and refuse my wire transfers. They did not give me any other communication regarding why the wire transfer is still on hold and then canceled. Citi bank is unlawfully withholding my funds. As a customer I can not rely on this bank to give me access to my funds when I need it. I've had to change the closing of a property purchase this week because of Citi bank not performing the wire transfers or giving me any other option to access my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
During the past year, I utilized the company, " Western Union '' ( WU ) to send money to a relative who lived in another state. In XXXX of XXXX, I noticed that my credit card company, XXXX XXXX XXXX XXXX ( XXXX ) 's monthly bill showed two charges from WU. One charge of {$690.00} I recognized as correct. However, the 2nd charge of {$170.00} was not authorized by me. I called WU and spoke to a representative ( rep ). The rep looked into their system and stated that their was no record of a charge of {$170.00}. The rep gave me a case number # XXXX and told me to send in any information to their on-line service with that case number. I went on line, gave the information and sent a copy of the XXXX bill. 
After a two week wait, I contacted WU again. I received another case number # XXXX. I resubmitted the information. This new rep stated that I should contact XXXX. I contacted XXXX and a rep stated that WU had received the {$170.00} and they stated they had the telephone data to prove it. For the next XXXX months, I went back and forth with XXXX and received XXXX more case numbers - # XXXX and # XXXX. My final interaction with WU was with their Fraud Division. The rep informed me that WU would have to hear from XXXX to verify the charge. The WU rep game a new case number # XXXX. I contacted XXXX and a Card Service Supervisor, XXXX XXXX stated that she would contact XXXX and verify the transaction. 
On XX/XX/year>, XXXX XXXX sent me an email message stating that she called WU. She spoke to an employee named XXXX, employee ID # XXXX. He gave her a new case number # XXXX. XXXX stated that WU would not provide me with a credit XXXX {$170.00}. XXXX also stated that WU had deactivated the account with my credit number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Predatory loan from Credit Acceptance Corporation. This is my XXXX loan with the company.My interest is too high.I have a past due balance that continues to roll over month to month

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase account that I use for Accounts Payable clearing ( issuing checks and ACH batches ) was overdrawn this morning for about {$86000.00}. Upon review, it appears the 3 ACH batches I submitted on XXXX  both posted, but are still " pending, '' causing the account to go negative. I called Chase customer service and their ACH team let me know " we've seen this before. '' And that the account should correct itself in the morning.

My concern is that my ACH batch submitted on Monday was rejected due to insufficient funds, which appears to be a Chase error. Also, will any of the outstanding checks bounce now? This situation is very distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a care credit credit card to use for my veterinary bills for my dogs. If I spend over {$200.00}, it is promotional balance that has a 6 month same as cash. I carefully calculate what I need to pay and when for the balances to be paid off in time. They cherry pick what they put to the promotional balances and then put the rest to newer stuff. I did not realize they were doing this and was paying interest on an old balance.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: DE

Complaint narrative:
So I seen some hard pulls on my credit and I didnt authorize. Please someone call me at XXXX. My name is XXXX XXXX and I think someone has tried to get credit under my information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've contacted Experian several times regarding the numerous inaccuracies on my consumer report, as previously discussed with your office. There are multiple discrepancies in names that don't match my driver 's license. Kindly remove this erroneous data promptly. Attached documentation, including my driver 's license, validates my claim. Thank you for your prompt attention.

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 2024-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: GA

Complaint narrative:
Plaza services llc in XXXX ga was apparently hired to collect a person outstanding loan. They called my husband and told him I owed XXXX and I needed to call them. He was not On the account and this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I have used Coinbase to custody my Crypto assets for several years now, but I have noticed that there were several unauthorized transactions on my account. I did not receive a single notification via email nor within the app that these transactions were occurring. Nor did Coinbase attempt to contact me for authorization for these transactions. I attempted to get this issue resolved with Coinbase, but they are stating that I have approved the transactions when I have not. Not only that, but now I have to pay taxes on the " crypto I spent '' when I did not authorize the transactions. This is very alarming due to the fact that other users have millions of dollars custodied.

Company response to consumer: Closed with explanation