vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1.I was scammed from XX/XX/XXXX ( XXXX ) to XX/XX/XXXX ( XXXX ). 
On XX/XX/XXXX, at XXXX, I wanted to sell my washer and dryer, so i posted a list on XXXX XXXX to sell them for {$500.00} ( Both ). And then, around XXXX, a women contact me on XXXX XXXXXXXX, and said that she wants them and her stepson would pick it up tomorrow, so she want pay me before he comes and she don't have cash. so, i agree to use zell. After that, scam began. Firstly, she said she needs my email address to verify my account. so i tell her. Then, she said she has sent XXXX to my zelle account and showed screenshot to me. and then, i got a email from " zell support ( fake ) '' says " {$500.00} is above my limit '', so she and i need transfer another {$200.00} at the same time to release the funds. in this period, she pretended she has got a same email and tricked me to send {$200.00}. after I sent it to the account that email provide, another email sent to me and she said she got the same email, which said due to technical issue she and i have to send another {$200.00} to get whole refund ( XXXX XXXX XXXX XXXXXXXX ). and then same trick happened again. 
At last, i was induced to transfer {$1700.00} ( XXXX ) to 4 different account ( fake agent account ) until i recognize this scam. 
2.after that, around XXXX on XX/XX/XXXX, i connected customer service of my bank-Wellsfargo because i use zell function inside wellsfargo App. And then, one agnet heard what happened to me and submit my claim to bank 's system. 
3.after that, they began investigation, they didn't ask me any files or record during their investigation in the following 10 days. 
4.XXXX  XXXX, i got mail from wellsfargo, it says my investigation has been completed and closed. My money can only be return if other bank ( scammer 's account bank ) return the money to wellsfargo, otherwise my money gone and no way to got it back because it's authorized by me means it's on me. But, i think i was tricked or induced. 
5.then, i found a video on XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, it says there is law called " regulation E '' - if someone induced me to transfer the money even if i agreed to it, my bank should reimburse me. so, i contact to bank 's customer service, and they said regulation E only valid when bank didn't finish investigation. but for my case, it has been completed. 
So, i am confused about if Regulation E can be used in my case. i need a clearly explaination why Regulation E can be used in cases in video but not in my case.

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 2023-05-27 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: NJ

Complaint narrative:
I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of XXXX and XXXX late payment. My income is also way more than the debt on record. Kindly help. 


XXXX XXXX : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : XXXX Shown on credit report : XXXX Total debt shown by Experian : {$7700.00} this includes prepaid XXXX personal loan of {$1000.00} Actual credit card balances : {$4600.00}

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 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: MO

Complaint narrative:
This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX ( XXXX ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: DISCOVER BANK
State: IN

Complaint narrative:
I was overcharged for an order made on XXXX XXXX was unable to find resolution with XXXX as they wanted to give me coupons rather than a reimbursement. I filed a chargeback with XXXX XXXX XXXX  refused to follow through with it. They have continued to ask for more receipts than what I have. I followed https : //consumer.ftc.gov/XXXX and submitted a letter to them to dispute the charge more officially, and they are still refusing to help. They acknowledged refusing to help over the phone, but the agent refused to send it to me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2023-05-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

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 2023-05-27 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: IA

Complaint narrative:
On XX/XX/XXXX I submitted a formal dispute through the CFPB case # XXXX that not only was TransUnion the ONLY, yes the ONLY credit bureau reporting false information about my XXXX student account to my report I also submitted XXXX XXXX XXXX as proof and noted all of the rights of mine that they were violating by keeping this misinformation on my report! 
Not only did they not properly read and look at my proof they didnt even bother doing an investigation AT ALL!! In fact it looks like they tried to update them to be even MORE DELINQUENT WHAT A JOKE!!! 
AS YOU CAN SEE AND READ FOR YOURSELF XXXX sent me a letter themselves on XX/XX/XXXX stating the FACTS, that this is to be REMOVED of any and ALL NEGATIVE DERAGATORY REMARKS!! But also TRANSUNION has this account on there TWICE and there is ABSOLUTELY NO WAY WHATSOEVER they did any kind of due diligence if they had XXXX would have told them exactly what I stated in the first complaint! 
Anyway I DEMAND that BOTH OF THESE XXXX accounts HAVE TO BE COMPLETELY REMOVED as they arent on ANY OTHER CREDIT RRPORT PERIOD, AT ALL, WHATSOEVER. They were SOLD AND TRANSFERRED in XXXX ( it even says that on the report ) and they were removed all together from my credit report TRANSUNION has been violating my rights for YEARS!!! YEARS!!!

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 2023-05-27 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: CA

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit 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 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc.
State: MS

Complaint narrative:
I tried asking for my promissory note with my signature. I need the original contract that i sign that has the arbitration agreement attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortioXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00}.

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 2023-05-27 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: AZ

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX  XXXX  XXXX Balance : {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: MN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I sent a check to pay off my car to Chase Finance and well it did not arrive on or around the time stated by the payoff date given over the phone. 

So I called and was able to pay off the car over the phone for XXXX on the XX/XX/2023. I asked about the check I sent and the customer support told me since the account would be closed by the time they receive my check they would just send that check back in the amount of XXXX this did not happen they cashed the check on XX/XX/2023 after the account was closed. 

I have called multiple times about this issue and they said the sent a check to me. I have sent them my bank stament showing I did not receive a check from them. every time I call they just say the same thing we will look into it. 

Chase XXXX Thank you for contacting us. We understand this can be frustrating and apologize for any inconvenience we caused. XXXX, we are reviewing your request that you sent to us and we have submitted it to the appropriate department for further review. I advised to check for the status of the initial check and have it resent if no further update is found. We appreciate you being a Chase customer. Thank you, XXXX Customer Service XXXX XXXX XXXX XXXX Original Message Follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Pnc has been nothing but my worst nightmare. This by far is the worst servicer I have had since I took out my mortgage. Inhave been talking to XXXX but she has done nothing to my acct. She confirmed XXXX were never received by pnc however she was able yo confirm cenlar was holding on to the funds. This lady confirmed on XX/XX/XXXX XXXX  has been holding on to the funds for months yet she has the audacity to tell they can not give me credit because payment was short well both pnc and cenlar put me in a situation where neither servicer was professional enough to assist me with missing funds. Pnc decided to do something as soon as I filed a cfpb. Is now XX/XX/XXXX and XXXX XXXX keeps holding on to the funds she has nor record anything to my acct. This could have been avoid if pnc was a good service and cared about the consumer they don't care they are going to mess up my history just because they did not do the work. I have been trying to get this resolved since XXXX yet is now XXXX and still dealing with their incompetence. I wish they would see what they put me through by not taking ownership since XXXX kept refusing to speak with me. They kept sending me back to pnc and pnc sending me back yo cemlat both servicers failed me. 
I hope XXXX XXXX does something and records funds that she already received. She confirmed all 3 payments were received and they were short I have offered to pay difference and she avoids me. I'm starting to believe she is setting me up for failure. 

Fix my account, do the right thing and record what was received. Stop committing fraud on my acct. I have had enough of pnc.

Company response to consumer: Closed with explanation