vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The 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 2023-02-06 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hi, I have a XXXX XXXX XXXX. My landlord ( XXXX XXXX ) offered a partnership with XXXX XXXX XXXX XXXX to pay for my rent. This worked fine for about XXXX year. The rent is automatically deducted from my checking account ( XXXX XXXX ). On XXXX the payment went through as usual. However, on XXXX I was surprised to see that I got charged for my XXXX and XXXX rent ( attached are the statements of my checking account and the XXXX XXXX XXXX ). The issue is that XXXX XXXX XXXX  charged my checking account on XXXX for my XXXX rent and also charged my credit card for the same amount. In other words, they charged me twice for my rent. I have tried to find a resolution for this issue, they said that they are going to investigate and that it will take 30 days or more to issue a refund. They refuse to send me a confirmation email so at this point I don't even know if they are going to give me my money back XXXX Charge to my Checking Account : XXXX ( XXXX ) XXXX charge to my Checking Account : XXXX and XXXX Thanks

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 2023-02-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX ALSO KNOWN AS EASY AXXXX XXXX XXXX  IS BEING ALLOWED BY EXPERIAN CREDIT REPORTING SERVICE TO REPORT ON AN ACCOUNT THAT HAS BEEN CHARGED OFF KNOWING THAT UNDER FCRA 623 THAT THIS CONDUCT IS ILLEGAL.

HERE IS THE LAW FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures I HAVE TOLD EXPERIAN NUMEROUS TIMES THAT THIS ACCOUNT HAS BEEN CHARGED-OFF SINCE XX/XX/2021 AND THA TTHE INFORMATION BEING REPORTED IS INACURATE. THE FACT THE EXPERIAN HAS NOT REMOVED IT FROM MY CREDIT REPORT IS ILLEGAL. 

THE FACT THAT EXPERIAN HAS NOT REMOVED IT IS PUNISHISHABLE BY LAW AND IF NOT REMOVE I SUFFER FROM SUSTAINED DAMAGES.

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 2023-02-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2023, I contacted EQUIFAX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX I was sought out by Wells Fargo in promising to help me refinance my property and it turned out to be a disaster. Wells Fargo promised that if I had refinanced my vehicle at the time in which was a XXXX XXXX XXXX that they could get my property refinanced as well. I refinanced my vehicle and when it was time to refinance my property, I was told that they could not help me with the services. I got stuck with an extra XXXX  years on my car loan and I lost my property. 
I did pay off the remainder of my loan on my vehicle.

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 2023-02-06 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: NC

Complaint narrative:
On XX/XX/2023 I sent documentation fro XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them

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 2023-02-06 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: TX

Complaint narrative:
On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX Texas XXXX collection account reported on my credit profile. I have asked the bureaus, XXXX and Experian, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that Experian and XXXX remove the account from my credit report 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 non-monetary relief
Consumer complaint received 2023-02-06 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I was charged XXXX transactions on my Wells Fargo XXXX credit card. 

My card initially had a expiration date on XX/XX/2022 where the company sent me the new card but I did not receive it. I did receive a text message for the fraud charges where I immediately called Wells Fargo to send me a new card. 

The XXXX transactions occurred in XX/XX/2022 but the new card states the transactions happened on XX/XX/2022 : XX/XX/2022 - XXXX {$100.00} XX/XX/2022 - XXXX XXXX {$91.00} XX/XX/2022 - XXXX XXXX {$38.00} XX/XX/2022 - XXXX  's {$21.00} I have called the fraud/claims department at Wells Fargo but they stated that the purchases were valid. 

Please help.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies : Account Name CREDIT COLLECTION SERVIC Balance {$100.00} Account Number ******** the address for the company is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Phone number : ( XXXX ) XXXX Date opened : XX/XX/2022 I've tried to call multiple times but no-one answer me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account in XXXX with an account opening bonus of {$200.00}. The terms of this bonus would be to deposit and hold {$10000.00} for a specified amount of time. The bonus should have been paid out by XX/XX/XXXX, but it has not been received. The account bonus code is XXXX. I have followed up numerous times with Citibank in regards to this but have not gotten a response 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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I have a Hard collection of {$560.00} on my Credit Report for XXXX posted by Sunrise Collections in New York. I have never ordered or had any dealings with XXXX and secondly if this is a legitimate collection then why have I never received any notice from Sunrise Collections in the mail, by phone or any other means of communications to collect a debt. I have sent letters to Sunrise Collections to remove this from my credit report and they have not done so. I have sent the same information above to the Credit Bureaus and they say the collection is accurate ( not sure what that means since I have yet to be sent anything accurate ). I have contacted XXXX corporate and they can not find any records of me every having an account with them ever or anything ever going to collections and XXXX was supposed to be sending a letter to Sunrise Collections but I have no proof that it was ever sent. I have exhausted every means I know of to have this false collection placed upon my Credit Reports and wish it to be removed. On the credit report there is no account number or anything to even reference this accusation. Please do what you can to correct Sunrise Collections as soon as possible.

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 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions is attempting to collect a medical debt of {$35.00} from my minor son for blood tests that he received at XXXX XXXX. I have XXXX XXXX XXXX XXXX XXXX and he is covered by that insurance. Further, all co-pays were collected by their XXXX  XXXX XXXX XXXX at the time of the appointment. Thus, there was no possibility for any additional charges. 

XXXX has previously been warned of the fraudulent nature of this bill yet they continue to harass my minor child.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, I reopened a Wells Fargo account within one week they closed stated a business decision and will not give me a reason they stated they closed my previous account back in XXXX for the same reason and I disputed because their was no reason to close my account. I have done no wrong and feel either this was done in error or for discrimination because I have done no fraud or had any high risk on my account. Please reconsider and give records of why this decision was made. At first I did not remember the account closure but after speaking to Wells Fargo I did remember disputing this when I went to open a account last week I had no issues so after speaking with them today XX/XX/XXXX I thought the issue was resolved because I was able to open an 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 2023-02-06 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: SC

Complaint narrative:
So I sent a letter ( s ) off on XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

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 2023-02-06 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On or about XXXX XXXX, on a flight from XXXX to XXXX, I used the Chase Southwest Rapid Rewards Priority Card to obtain an upgraded boarding position as I am entitled to four per calendar year. Due to the Chase " system '' two of the four were improperly used by the Chase system violating the term of agreement wherein I am entitled to receive 4 upgrades. Due to an error in the Southwest system, the wrong leg of my flight was upgraded and I immediately notified Southwest. They apologized and said that it was an error but that they could not do anything about it. I notified Chase that the charge was invalid as Southwest admitted that it was their mistake. Chase put the amount in dispute. I noticed, within a few days, Chase posted a credit to my account and I believed that was for the dispute. In reality, that was the system using up one of my four credits per year. After Southwest read my e-mail, they agreed that it was completely their fault and they issued a credit refunding me for my purchase. Chase, seeing that the amount I had disputed was credited to my account, went ahead and rebilled the original charge and the system then credited me for the rebilling of the original charge, using the second of my four free upgrades all because the Chase system messed up - twice. On my XX/XX/2022 billing statement, I ended up paying for the rebilled credit despite the fact that the net sum should have been zero dollars- and NONE of my upgrades being used. I asked Chase why I was charged for an amount that the biller refunded and Chase said it was because Chase and Southwest both paid me and that I they were charging me for the extra amount they credited me due to the dispute. I disagreed, but the card was on autopay and Chase refused to put the overcharge from them in dispute despite my not owing them since they rebilled me. However, they also used two of my four upgrade credits as well which means I basically paid three times for an upgrade I did not use. I only found out about this when I saw that after ACTUALLY using two of my four upgrades, Chase stated I only had one left and the second one was actually my fifth. Over the last month, I have been going back and forth with Chase asking them to audit their system and see that they actually have improperly taken {$120.00} from me - wrongfully using 2 upgrade credits and also charging me for an upgrade I did not use and that Southwest had refunded me. Rather than helping me and honoring the terms of their agreement, the least message I received said they would no long reply on this issue despite the violation of their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover has an outage in which payments are denied and the phone lines are down, but they havent admitted they have an outage. Its being going on for several hours. XXXX and the XXXX XXXX  are the only two info sources since the discover card folks responding on XXXX are pretending they dont know there is an outage. Their phone lines have a busy signal. This is affecting at least 5k customers based on people who have bothered to make a report at XXXX. But discover has made no official announcement or let folks know that their card isnt going to work if they try to use it. I was really hoping for groceries today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May concern, My name is XXXX XXXX. I'm a XXXX who recently relocated to XXXX for work in XX/XX/XXXX. I had a similar issue occur with a personal account with XXXX XXXX XXXX  back on XX/XX/XXXX about a month after opening the account. Once I received my XXXX  debit card, I then shortly after received a letter in the mail saying XXXX  was closing my accounts. 

Now on XX/XX/XXXX about 4 months from signing up with Chase bank. I received a letter in the mail from Chase, stating my name is connected to a " Publicly Reported XXXX XXXX ''. 

Now it seems that Chase has done the same thing as XXXX XXXX XXXX. after I opened my personal account back in XX/XX/XXXX & funded it through my XXXX business account. I've recently registered my XXXX XXXX in XX/XX/XXXX but I'm skeptical about opening a business account or another personal account in case this issue persists. 

Long story short XXXX XXXX keep closing my accounts for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: UT

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX. Account XXXX XXXXXXXX. Account name : XXXX XXXX XXXX. Account XXXX  XXXX. Account name : XXXX XXXX. Account XXXX XXXX, Account name : XXXX XXXX. Account XXXX  XXXX. XXXX XXXX XXXX XXXX. Account XXXX XXXX. Has violated my rights. 

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.

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 beleive that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TX

Complaint narrative:
On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX XXXX XXXXXXXX XXXX account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that XXXX and Transunion remove the account from my credit report 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 non-monetary relief