vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wF provided fraudulent data to creditors to justify illegal activity. Its showing I opted out in 2019 of my credit card reporting NEVER past due for my WF credit card account. I never even knew opt out was an option until this year. Wells Fargo has been illegally covering their fraudulent ways to justify closing two of my cards with them. I saw this on XXXX credit reporting and never knew this happened. Why wouldnt I want to show positive credit report history on my accounts? It doesnt make sense to opt out of a card that is in a great standing. Please once again CFPB please look into this. Like I mentioned before I have done business with this company since it was called Wachovia and they should be ashamed. And my phone number they have listed is inaccurate and like I stated I had them since they was called Wachovia this was a blsntdbt behind the scenes racketeering attempt to sabatoge my credit on purpose to give purpose behind them closing my 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 2024-02-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Please remove hard inquiries 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Please remove hard inquiries 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: LA

Complaint narrative:
I was supposed to receive funds via direct deposit and for whatever reason I was sent this card. I did not use it regularly. I used the card in my building with my home address and they erroneously placed a fraud alert on my card as they have been known to do regularly, to the extent that litigation has been filed against them and they were fined. They required a physical copy of my ID which I currently do not have as I recently lost it and will not accept my Louisiana WalleXXXX ID which is legally accepted identification. In addition to that, I do not wish for this shady operation to have any more of my information than is absolutely necessary, and this is not necessary. I have requested that they mail my funds to my home, and they have refused to do so. I will not have my money held hostage due to the beaurocratic whims of a nonsense bank. There is no legal requirement binding me to send my ID to them, simply because they lazily employ and arbitrary system. My funds should be mailed to my home, which they have on record as it is where they mailed my card, immediately. I am not jumping through their multiple hoops knowing that despite repeated tries, they will " lose '' my verification, and whatever other inept nonsense they attempt to do, simply because they believe that poor people should just accept whatever treatment they offer. I attempted to resolve this with supervisors, and was ultimately disconnected. 

Thank you for your attention to this matter.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
XXXX record shows inaccurate information. On XX/XX/2024 I plead guilty to a Falsification charge ( XXXX XXXX degree ) and my report is showing the wrong information as pleading guilty to a XXXX charge of falsification in theft offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I have made multiple attempts to have a single late fee reversed as a one time courtesy. I have escalated this twice with a supervisor and the request has been denied. This company is definitely a predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have 2 savings accounts with hundreds of thousands dollars for several years with American Express National Bank which were frozen for unexplained security concern 3 days ago. An email was sent to me with a phone number to call with no other information. Each time I called I have to go through a tedious security check followed by a long period of waiting, then either the back office were too busy to answer the phone or the phone was cut off after waiting. I have also left instructions for them to call back. I made 6 phone calls over 3 days without success getting in touch with the back office which is in charge of unfreezing the account. They have not called back either, even though I was told by 3 different operators that the message will be given to back office to call back urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX, XXXX Account # XXXX Original Balance : {$10000.00} Current Principal : {$10000.00} Interest Due : {$0.00} Total Due : {$10000.00} I get this message from ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX Said I been in Florida and I rent unit and I dont pay,, on XX/XX/2021, then ask me to pay now,, I never been in Florida and how come someone uses my identity and rent,? And how they let him rent without paying This fraudulent confused,,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I tried to close my account at US Bank because I was switching to another bank. They said I could not close my account because of a overdraft protection fee. That was a fee that had over a XXXX percent interest rate that I wasnt told about and didnt sign up for. In the spam of a few years, with that over XXXX percent interest rate, that overdraft fee ballooned to over XXXX XXXX dollars and I didnt know about it. I am upset at US Bank for signing me up for a predatory loan practice like that when I didnt know any better. I dont want to pay it.

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Three transactions were made on my account and I opened a dispute with XXXX. I then had to dispute with Navy Federal Credit Union. They claimed they were conducting an investigation. That did not happen and they denied it. XXXX also denied assisting. I provided screenshots and proof and they did not listen. I also tried to call and report the Navy Federal employees who I initially spoke with in XXXX who did not listen to a word I said on the call and opened up this major situation after I SPECIFICALLY told them I needed to call back. Then when I tried to call and report that situation I was given the run-around and could not get anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I paid for an XXXX XXXX ticket through cash app XX/XX/2024. On the date of the flight XXXX  didnt give a reason why to flight was cancelled. I tried their flight refund option and they declined it. I went to Cash App to dispute the charge and they declined it nearly automatically. I just tried another dispute on it and have yet to hear from them. This isnt the first time Ive had purchases on my account that Ive disputed and they have declined every single one within less than an hour. Im tired of them being able to just decline any transaction and we just have to deal with it. I provided all info to Cash App but have always been a denied Disoute. Not once have they approved a dispute in the case of this or other transactions. They just automatically decline it virtually.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Someone opened a card using my information with TD Bank/Target in XX/XX/2024 and has been using it. I never opened that account/card nor do I ever intend to. I believe its fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked and prepaid for a rental car via Chase XXXX from XX/XX/XXXX through XX/XX/XXXX. When I went to pick up the car, it was not available and I was not given a car and I was not issued a refund. 

When I returned to the US I called Chase to request a refund. They told me they would submit a claim with their contractor and get back to me on XX/XX/XXXX. No one followed up. 

I called again on XX/XX/XXXX. This time they told me I had to submit a claim through the contractor ( XXXX ). After several hours on the phone with XXXX, I was directed back to Chase. 

On XX/XX/XXXX, Chase submitted a claim with XXXX and told me I would receive an update on the claim status within 20 business days. I never heard back. 

On XX/XX/XXXX, after 22 business days I called Chase again. They told me the claim was put on hold on XX/XX/XXXX, but they called the contractor and told me they would receive an update and then update me in 72 hours. I asked them to issue the refund for the service not rendered and they repeatedly refused. I was put on hold, hung up on and never called back. I called back again on XX/XX/XXXX and they again could not resolve my issue. I was lied to and told the representative was talking to her manager but then she admitted she was simply talking to another person in her same level ( supervisor ) in another department. 

All we want is a refund of {$860.00} for the rental car we never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: NV

Complaint narrative:
Fraudulent activity on my credit report. Please remove. thank you.

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 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
XX/XX/2024 Alleged debt collector violations. 

Attached is case law, there are violations, {$1000.00} each.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
My XXXX rewards is trying to steal my firearms thru Marcus. 
Last XXXX of card XXXX XXXX XXXX XXXX XX/XX/year> They are controlled items and must be delivered to my home address. Said item has been put on hold for 2 months due to attempted identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian Finnishing the day as it started with another ridiculous lie about STILL WORKING ON THE ISSUE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. XXXX XXXX  has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This vehicle on account was a total loss in XX/XX/scrub>XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. Credit acceptance has been reporting negative on my credit report since XX/XX/scrub>XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. XXXX  XXXX  has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.

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 2024-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a credit card with Lowes through Synchrony Bank. Recently, they have imposed a {$1.00} paper statement fee. How can a credit card company charge a fee for a document they are required to provide in writing to consumers- this is the definition of a junk fee. Passing a fee for a document credit cards are legally required to provide to consumers in writing under Regulation Z. If I do not have access to a computer, I will be penalized and charged a fee for something that credit card companies are required to provide to consumers. Please help me understand how legally you are able to charge this junk fee to consumers. Thank you very much.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.

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