vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Name Is XXXX XXXX, I am the owner Of XXXX XXXX XXXX. I have a business Bank Account At Wells Fargo Bank. The due diligence case number is XXXX. Wells Fargo has put my bank account under due diligence review requesting Certain Documentation before a Due date in XXXX XXXX. I Sent All the documents to my due diligence Reviewer XXXX XXXX, Days before the due date, I ask if she has everything needed to complete the review. She says that If there is anything needed, she will give me a call before the due date. 

I receive no call. 

I attempt to call her but she does not answer her phone. A month and a half later, without any warning, I can not pay for some office supplies that I need and my employees checks are not being accepted. I go to the bank and they say my account is on hold, and that I need to contact XXXX. I call XXXX multiple times along with a XXXX certified XXXX XXXX. I can not even take my funds out of the bank. They are totally frozen without warning. Despite me having made a formal request to accesss my own money She does not respond. It takes her days to respond by call and she says that There are deficiencies in the documents that I sent. I reviewed the documents with a XXXX  professional and I double check them personally, We both see no deficiencies. I reply asking what are the specific deficiencies, and I receive an automated email stating she is going to be absent for a full week until the XXXX. 

This incident caused by Wells Fargo has already caused me and my business significant material harm and I need to access my funds, thus I am seeking help. It has been 2 weeks since It has been frozen, the total amount frozen is XXXX XXXX total. There is no state or legal mandate to freeze this money, Wells Fargo is fully responsible for this.

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 2023-08-15 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: WI

Complaint narrative:
I received an alert from Experian on XX/XX/XXXX, notifying me of a hard inquiry from XXXX XXXX, which resulted in a credit score drop of nine points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I contacted XXXX XXXX from the number listed for them on my Experian credit report ( XXXX ), and spoke with three different people for a total of XXXX minutes ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with Experian to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX  ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like XXXX XXXX to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted Experian to file a dispute and spoke with two different people for a total of XXXX minutes ( the majority of those minutes also spent on hold ), but was told because XXXX XXXX did this in error, there was nothing they could do, and I had to contact XXXX XXXX to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.

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 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XXXX from this company has contacted us numerous times and is on the edge of harassment. She stated we owed for move out fees from XXXX, but I provided all evidence that we already paid. I provided 2 invoices, one for a deep clean and one for paint and patching of the walls, which is what was on the invoice from the apartment building. 

In XXXX of XXXX, we disputed this debt after she said on the phone, I bet youll call me back after you check your credit report and hung up on me when I was trying to gather more info. I checked my credit report and there was a negative mark. I followed up with her with all supporting documentation that I had the apartment deep cleaned and painted. She called me back today and was very threatening, saying if I dont pay right now today, she will ruin my credit and report me as failure to pay. I will not pay for something I do not owe. That is not right. 

Additionally, the apartment complex we moved out of sent us a check for our security deposit, stating that all debts were resolved when we moved out. If we owed more money, they wouldnt have given back our security deposit. 

I want this disputed again and XXXX said that was not an option. She also said she will continue to report and suggested double reporting for the same debt. This is in violation of rules established by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Financial Freedom Group, LLC
State: UT

Complaint narrative:
Four months ago I signed up with Debt Blue to assist me in resolving my debt crisis A debt settlement with XXXX XXXX was 50 % off what was owed. 
Suddenly excessive fees occurred. {$690.00} and another {$250.00} was withdrawn from my account with XXXX XXXX. No explanation prior to withdrawal. This is a predictor practice. Immediately I would have my account closed with Debt Blue and a full refund that was withdrawn from my bank account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
My current mobile device was completely damaged so I could not my access my cash app account after XXXX on XX/XX/XXXX there was a XXXX XXXX XXXX  on my card I transferred from my bank acct until I received my new debit card when I had access after the phone was damaged I could get in the app my phone could not use text so I used my email the code never came I tried this process all weekend Monday XX/XX/XXXX I contacted cash app support they tried gaining access still no code never came so rep told me to create a new account with a different number and they can transfer the balance I did an when I called back they kept trying to access the account and there were still no codes coming to my email then they sent me a text saying that cant access it an there keeping my funds see terms an conditions with no further information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, my name is and this is for a claim back around XX/XX/XXXX. I purchased several pieces of furniture at a store about an hour away from my house in XXXX, Mississippi, at a place called the XXXX XXXX XXXX  This place is run by criminal employees and criminal managers who are XXXX  and apparently this case is being treated just the same. They employ people who are XXXX  at the state even the managers. I have been trying for XXXX months now to get funds back on a purchase that I made, which was never given to me. I've been promised several times by Chase that they would handle it as it is UNreceived merchandise THAT HAS BEEN RESOLD. I have asked several times and even had an excutive who was less than thorough giving only about XXXX minutes of her attention a week and after several times explaining how the store kept being closed that the movers i paid on the days they told me they would be open, still had to be paid even thiugh the store was closed several weeks I pleaded for someone to return my call several times to no avail. NOBODY called me back. 
Between this and the several banking issues I had the month prior I feel though as this is a personal attack especially after the denial on my purchase to the same places i use on a regular basis, the rejected transactions from bank deposits that should have occurred, The strange UNKNOWN changes in my address on file that after I Had this fixed then caused another problem. And dont even get me started on the card cutoffs all of the sudden month and last few month before. 
I feel this should all have been handled better and that I shouldnt have been lied to when they said they would handle this properly, as I am out of {$400.00} and change thanks to a Great deal of negligence and strange back room talk and messages that were put on file for others like Dont help this customer with anything or talk to the customer or help them have them only talk with XXXX at chase corporate the excutive officer not the front desk lady. 

Its just an assumption but I got the feeling she did not want people knowing and was dragging this simple debit claim out intentionally, which is UNRECIEVED MERCHANDISE. Here is to still having hope some one will hear my cry after 4 months as {$400.00} is alot and money is very tight since covid. 
Please feel free to reach out to me at my business number. I will try to be readily available to reciever your call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX. XXXX THAT'S MY CLAIM WITH THE NEW YORK XXXX  XXXX XXXX XXXX XXXX 

A person who came here to my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX looking for a job, while he was on trial to get hire ' He got in my office and stoled a few of my business books checks from JP Morgan Chase Bank, & wrote the total of XXXX checks falsifying my signature in all of them using a different dealerships names and other companies names. 
Then he endorsed all of them with his name and deposited them in his bank account with XXXX XXXX  using mobile deposits in all of them. 
The checks were made from XX/XX/2022 till XX/XX/2022. According to the XXXX XXXX Detectives information that is handling the case, The suspect got arrested on XXXX XXXX, and He's dealing with the XXXX XXXX XXXX XXXX XXXX 
And till this day I haven't received any money from the bank or the guy who did it. 
In the meanwhile the bank said the case was closed because there wasn't enough effort from me to get money back. 
but I did all I had to do and sent every document they asked me to. they completely denied giving me my money back that was taken from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-15 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation