vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: GA

Complaint narrative:
XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MS

Complaint narrative:
I have multiple transactions that the receivers refunded on cash app and I have not received the money on my debit card. I have contacted cash app more than ten times and advised the money would be credited to my payment method within 2-5 business days. Its been 11 business days. 

Transactions expecting refunds XX/XX/XXXX at XXXX XXXX for {$50.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX for {$40.00} XX/XX/XXXX at XXXX to XXXX {$42.00} XX/XX/XXXX at XXXX XXXX  to XXXX - {$30.00} XX/XX/XXXX at XXXXXXXX XXXX another to XXXX - {$30.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX {$35.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX - {$50.00} XX/XX/XXXX to XXXX for {$20.00} XX/XX/XXXX to XXXX - {$22.00} XX/XX/XXXX at XXXX to XXXX - {$22.00} XX/XX/XXXX at XXXXXXXX XXXX to XXXX - {$100.00} XX/XX/XXXX to XXXX - {$100.00} XX/XX/XXXX to XXXX {$78.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This card is fraud and affecting my credit it needs to be removed immediately

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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was XXXX on XX/XX/XXXX a couple weeks later fraud was committed no my account I had over {$10000.00} that was stolen out of my account.. the bank stated that because I did not get out of XXXX  until XX/XX/XXXX that they could not give me my money back.

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/2023, I contacted XXXX XXXX, Synchrony Bank, XXXX, to raise concerns that the online record of my Care Credit account was inaccurate. On that same day when I accessed my account online, I noted 2 duplicate transactions listed as *both* pending and completed in my account records. See attachment. 

She acknowledged that there are lags in removing a pending transaction after it is completed. She added that " nothing can be done '' as records are systematically updated by a computer. I noted that online financial records ( or any record for that matter ) need to be accurate as inaccuracy causes confusion. Further as an account holder, I had never encountered this problem until this year, 2023. So a recent change is causing this problem and it needs to be corrected.

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 2023-03-22 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: LEXISNEXIS
State: GA

Complaint narrative:
The Bankruptcy court does not report any information to credit reporting agencies or third party vendors. Per my dispute that was filed with XXXX and XXXX, the bankruptcy item was not deleted because they received information from a third party which is Lexis Nexis however, the information is not obtained through courts and was obtained through public record which is false and not correct. Both credit reports are reporting different dates and courts of record on my credit report which is inaccurate. I demand that the bankruptcy be removed from my credit reports. I have attached a letter from the courts. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Status of this account is Showing Paid or Paying as agreed but it also show XXXX payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, Transunion file Pursuant to My Fair Credit Reporting Act.

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 2023-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My Experian, XXXX file Pursuant to My Fair Credit Reporting Act.

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 2023-03-22 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: Self Financial Inc.
State: CA

Complaint narrative:
The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX, XXXX file Pursuant to My Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I had a leased vehicle that I invoked my SCRA rights on on XXXX XX/XX/2023 to break the lease since I was leaving for military service. I returned the vehicle at that time to a Toyota dealership. I received paperwork back on XXXX XXXX while I was at training showing the Early Termination Lease Liability amount I still owed. I called at XXXX on XXXX XXXX, spent over an hour, and was transferred to six different representatives including a supervisor ( XXXX ). I called back again in the afternoon at XXXX and spent another hour on the phone speaking with multiple representatives and a supervisor, XXXX XXXX again. The results are below. 
After clarifying the fees, I agreed that I owed the full bill of {$7200.00} and asked to enter payment arrangements for {$100.00} each month. I was told the amount was too low for them to accept, and so I would have to call in to the automated payment system each month to make that payment. When I was transferred to the XXXX XXXX, they said that I could not make a payment using my debit card, but would have to send in a check instead. The reason being that I had made payments in the past through that checking account that had been declined, so they would not accept any ACH or debit for that account. When I questioned how a check from that same account would be accepted, the representative said she did not know and they would just have to figure it out when the check arrived. I was told even if I made a new checking account that they would not accept payment from me for 18 months. I was told the only way I could pay a bill was to use XXXX XXXX and was given a code to use. When I went to XXXX XXXX and input the code, it directed to a different company called XXXX, NOT to SE Toyota. I did not proceed with a payment since I could not verify it would reach the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: EdFinancial Services
State: GA

Complaint narrative:
EDFINANCIAL {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. SECRETARY OF EDUCATION XXXX XXXX XXXX US SECRETARY OF EDUCATION SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, i applied for unemployment benefit since 2020 but i'm yet to receive my card from bank of america please kindly assist me in order to recieve my card at this point in time now i need urgent money for a 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 2023-03-22 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
on XX/XX/XXXX I received my annual credit report and in result of identity theft someone has stolen my identity due to a stolen wallet. the account the is reporting incorrectly is NATIONAL CREDIT SYSTEMS in the amount of {$1900.00} account number XXXX opened XX/XX/XXXX. This however was not made by me and I need this removed ASAP! THERE is also incorrect address linked to my credit report XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I bank with Chase Bank and theyve locked my account with over {$5000.00} dollars in cash in there and they are tell me that I cant bank with them anymore and they wont give back the cash I had in there! I deposited a check that I would usually deposit in my other bank account but I decided to cash it in this XXXX and because the name of it was wrong they decided to lock my account and keep my own cash and they are saying well keep the money for XXXX years then surrender it to the government this is not acceptable they have no right to my hard earned money and I am not required to go through such a time wasting experience, I will no longer deal with this but I still want my money dont ask me questions and dont give me papers to sign please just get this done with XXXX XXXX XXXX XXXX I cant put time into this but this is money thats gon na get me through college so please just help me with this! After all this is MY money, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had issues with XXXX XXXX in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. Experian is reporting that this account was closed by XXXX in XX/XX/XXXX. But XXXX XXXX is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MI

Complaint narrative:
I called to set up a medical deferment on payments, and the guy, who I couldn't understand, hung up on me. They are now calling me 3 to 4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction with the services provided by Wells Fargo, particularly with regard to the handling of my recent international wire transfer. 

On XX/XX/XXXX, I initiated a transfer of {$25000.00} from my Wells Fargo account to my XXXX XXXX account. However, the transaction failed, and I later discovered that my account had been blocked due to suspected fraud. Despite my repeated attempts to have the block removed, including contacting the Fraud Department and speaking with various representatives of the bank, no satisfactory solution has been offered.

I have been informed that I need a branch access code to regain access to online banking, but as I am currently located in XXXX and unable to travel to the U.S. this year, this option is not available to me. Despite my efforts to find an alternative way to verify my identity and unblock my account, the bank has failed to provide a solution.

Moreover, after filing a complaint through a branch manager and receiving a response from the XXXX  Complaints Management Office on XX/XX/XXXX, I was disappointed to find that they simply restated the problem without offering any practical solution. Case number : XXXX As a result of this ongoing issue, I am experiencing financial loss and inconvenience. I have no access to my account at all and I rely on it to pay bills. 

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 2023-03-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm a victim of identity theft, it's been a frustrating situation for me for over 10yrs. I periodically monitored my credit and disputed inaccurate items as they appear, most were corrected but ONE! XXXX  XXXX XXXX insists I opened a account for a credit card XX/XX/XXXX in a state I never resided in. In XXXX I tried multiple times disputing this fraudulent item to no prevail, It's currently reporting negatively on my credit report as charge off for {$1500.00} I sent a copy of the original police report about the identity theft, the info I filed with the social security association and the report I had on file with the IRS and they insist the account was valid.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Foris DAX, Inc.

Complaint narrative:
I was scammed by XXXX company which associated with XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX ACCT XXXX. I spoke with XXXX and she said items were mailed to XXXX XXXX. I have never lived there. The company refuses to remove the charges in excess of {$1200.00} from my report. The charge is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My mortgage payment was constantly changing every year it would increase. Wells Fargo would say I needed additional escrow even when I had changed insurance companies lowering my homeowners insurance rate. I contacted Wells Fargo several times but could never reach resolution so I gave up. I had mortgage from XXXX XXXX XXXX before selling and in that time making over payments each month I barely paid down the principal. I seen that Wells Fargo recently was caught doing illegal practices with auto and mortgage loans and haven't been contacted. I want to know if I'm owed any money from the settlement.

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 2023-03-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
My Name, Address, and employers are inaccurate. My previous claim ( s ) should have corrected this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NV

Complaint narrative:
In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief