vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Tried contacting XXXX XXXX several times no call back on my behalf as she states. Also this complaint is closed.XXXX. not resolved. I had to make the XXXX payment along with penalties about a month ago for the taxes they did not pay. Was told to fax the receipt to wells fargo they will reimburse me, they have not. A XXXX payment to me for what I went through, does no justice. 4 letters of this being resolved month after month, prolonging.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I made a XXXX payment on my apple card who is managed through Goldman Sachs. They put a hold on the payment for 1/3 of a month ( 10 days ). When I noticed autopays declining I called and their Tier1 could not release the hold. The supervisor XXXX who called me from Customer advocacy said she could not either and refused further assistance claiming no one would help me. I asked for her manager/ next level leadership and she declined any identifying info for accountability or to pass me to her boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Effective XX/XX/2022, AMEX modified there card agreement that in lieu of automatically getting a {$300.00} statement credit, a {$25.00} credit on a qualifying restaurant purchase is applied monthly. Between XX/XX/2022 to the present, I had no issues with the exception of XX/XX/2022. I purchased dinner at a local restaurant called XXXX 's on XX/XX/2022 ( posted XX/XX/2022 ) at the amount of {$62.00}. The credit never arrived. After calling three times, I was told that they do see the establishment categorizes as a restaurant but for some reason no one I speak with can not issue the {$25.00} credit. 

I called a forth time and they said that they would issue the credit and it would take 24-48 hours to post. It has been longer than two days and I have yet to see the credit posted to my account.

After four failed attempts, I am escalating this issue to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi- I have a Wells Fargo XXXX XXXX rewards card and under the card 's rewards program, every time you earn XXXX  points ( i.e., spend {$500.00} with the card ), you get a " stamp. '' After accumulating 10 stamps, you get a {$110.00} credit for a room night at a hotel on XXXX that accepts these stamps. The problem is this, while the credit card statement Wells Fargo issues includes the number of stamps you've earned in the current cycle, it does not include any points information. For example, if you spend {$200.00} in a cycle and have earned XXXX  points, that information does not appear on the statement. You have to track it yourself, which makes it easy for Wells Fargo to mistakenly ( or purposely ) fail to issue the correct number of points and stamps. I spoke with a Wells Fargo representative and they told me there was nothing they can do about this. Is this something the CFPB can resolve with Wells Fargo? Please advise, 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 explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a purchase at Lowes at XXXX XXXX XXXX XXXX on or around XX/XX/XXXX of XXXX for a new washer and dryer plus hook ups and Insurance. on delivery day it was not delivered. sometime after I was being told that there was a double order so the lady I spoke to at the warehouse made the decision to cancel the entire order and do another one.but this double would go away. I contacted the store several time as well as Lowes and the warehouse.i cancel the order but it never went through. the issue wasn't being handled just like it hasn't til this day.they continue to charge me. they have unfairly closed my card with no fault of my own. because of what they say is non payment for something that was canceled several XXXX. they claim they return the money to the store and all types of weird things and they wanted me to pick this money up that didn't belong to me.i went to Lowes to see what was going on after a guy with a possible fictitious name ( XXXX XXXX XXXX never did his job and this has cost me my card.that money is still sitting in a store at a different location and they think they are gon na run me around on wild goose chases and im not comfortable with how they made me feel at my Lowes near my home. I must add that this particular store has target me since XXXX canceling orders and doing plenty of weird things all the way back to an HR worker coming into my home to show me how to use my appliances, that was very weird because afterward this woman stalked and harassed me and nothing was ever done about her but she was defiantly the one behind canceled orders of mine. and a lot of other things happening to me. XXXX a manager at the store has also been an issue. I would like to know if you could look into this. please and 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 monetary relief
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX XXXX XXXXI had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions.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 explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07 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: MO

Complaint narrative:
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX XXXX XXXXI had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened/Date of last activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions.Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
TD AUTO FINANCE LLC is currently attempting tax fraud by continuing to attempt to collect a debt that was charged off in XX/XX/2023 and company filed a XXXX c on this debt. 

This company also violated my FCRA rights again according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I have emails as well as several disputes on credit files letting them know the information was inaccurate and they still continue to report inaccurate information which is illegal by law. 

Below you will find proof of the inaccuracies such as Missing data which theyre in violation of the FCRA and also updating the same inaccuracies after being notified by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX/ I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

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 explanation