vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with Transunion, XXXX and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, XXXX and Equifax and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions Equifax violated my rights by furnishung XXXX  card {$8500.00} without my written intructions. This is considered as fraud. I am not disputing this account with XXXX. This complaint today is against Equifax for violating my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Numerous times in the last 5 years the bank has put a hold on my account claiming the checks that were deposited were not paid. It wasn't until the pandemic that I had the time to follow the money. As it turns out that since I have had the ability to follow the money, the bank receives the check is paid for it and at a later date places a hold it, after the bank receives the funds for it. The hold is extensive, usually ten days while they overdraw the account and claim to my creditors that the account has insufficient funds, but never notify anyone that they had placed a hold on the account even after they had collected the funds. 
This seems to happen at least once a month with the latest hold happening XXXX even after the deposit was paid on XX/XX/XXXX. This has caused me thousands in bank fees, late charges and has adversely affected my credit rating making it almost impossible to get any type of credit at a completive rate. 
I am in the process of having my accountant tally what the cost has been to me over the the time I had filed the last complaint XX/XX/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 2022-07-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: VA

Complaint narrative:
I have POA for my aunt, XXXX XXXX. She received mail from AAG mortgage regarding a reverse mortgage so I called them earlier this year to let them know I do have Power of Attorney and to request they stop sending mailings. The person I spoke with said the POA was noted and the request for reverse mortgage was old. I was also told no future mailings would be sent to her address. This has not happened and XXXX is receiving mailings almost daily at XXXX XXXX XXXX XXXX XXXX, VA XXXX. We are not interested in any service AAG provides and want no future contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022 at about XXXX pm I got a call from Wells Fargo XXXX department asking me if I did an advance from my Wells Fargo Credit card to Checking and if I opened a XXXX account and sent money. I told them I never have done that in my life. I have been with Wells Fargo for at least XXXX years. {$2500.00} was advanced to my checking and XXXX withdrawals of {$200.00}, {$250.00}, {$240.00}, and {$240.00} totaling {$940.00} were sent through XXXX to XXXX XXXX which I have no idea who that is. They stopped anymore withdrawals. ( There is still {$1500.00} in my checking account left from the transfer which I don't know what to do with.. I'm waiting for the bank to tell me what I should do with this left over money. 
A few hours later XXXX more transfers came visible of {$2500.00} each which Wells Fargo XXXX They closed my accounts and issued new accounts with new passwords etc. They told me every thing was okay after that. I called the XXXX XXXX. a couple of times to check on things because my account still showed {$2500.00} on my XXXX XXXX as an XXXX. They told me everything was ok and not to worry as I was leaving on the XXXX on XXXX for a XXXX week vacation.. When I got home on XX/XX/XXXX I got a letter from the XXXX XXXX. saying there was no evidence of XXXX since the unauthorized transactions took place on line. They said I did it or someone I know did the transactions. I live alone and no one has ever had my cards or passwords EVER. On XX/XX/XXXX I spent more than XXXX hours on the phone with the XXXX XXXX. telling my story and looking for answers. They transferred me to Claims, Credit Card XXXX, Everyday Banking, back to the online Fraud Dept, to a Resolution XXXX ( Stephaney in Florida ) who said someone from the XXXX XXXX will be calling me in 10 days. They also told me they would not show me proof that I did this transfer. 

In the mean time, on XX/XX/XXXX I went to my branch office of Wells Fargo in XXXX XXXX, MN and the banker XXXX XXXX XXXX made a complaint to the XXXX Department on this situation. Since then I have heard nothing from the XXXX Department. I checked with XXXX about the complaint and she hasn't heard anything. It is now XX/XX/XXXX. 

I don't know what else I can do. I want to fight this as I don't have that kind of money to give back to the bank. I live on XXXX XXXX Please advise me of what action I can take.

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 2022-07-05 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Attempted to withdraw funds from ATM. Machine did not dispense funds. Money was still debited from my account and has not been returned. Company has not done a timely investigation or made attempts to return the money to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-05 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: CA

Complaint narrative:
I had 2 transactions in XX/XX/XXXX. For both for same merchant for {$3000.00} and {$2000.00} for a life time services of trading classes. The company got sued in XXXX and they were waiving some fee. I wrote them email inquiring about how its going to work and they said your framing debt has been closed and you do not have the services anymore. I had already paid XXXX in total and was only XXXX remaining. I try to reach them back to figure out if they are going to refund all the other charges and gotten no response. I told my credit company for a dispute since now its a fraudulent charge. The credit company did not get a respond from a merchant and did not help me. It was synchrony bank issued credit card called XXXX XXXX Managers name was XXXX he refused to give me his last name and was extremely unprofessional.

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 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-07-05 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
l have a new last name, new phone number and new address, credit reports are still showing old information

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
l have a new last name, new phone number and new address, credit reports are still showing old information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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

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 2022-07-05 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
XXXX the general manager got extremely rude and aggressive towards me over the phone and in person. Over the phone it was due to me asking why I can not log in to my account and pay online, to which he refused to say the website wasn't working and told yelled at me to just pay in person or over the phone. As I had to pay I chose to pay in person and in person when I asked for an emailed receipt, something they said they could do over the phone, He scoffed at me and refused to give me one and remained aggressive until I left.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo proceeded with a temporary deposit RETURN- removal on my account in regards to a scam. 
This is what happened, I had agreed with the seller on two orders of XXXX gloves. Totaling XXXX gloves. However, instead, seller sent a total of XXXX gloves. Seller sent XXXX gloves for each order, totaling XXXX gloves.Seller did not sent the XXXX that were agreed on both orders. 

I submitted proof that the seller sent wrong quantity. I proceeded with a return. The items were packaged and shipped as instructed and APPROVED by the seller and shipped. I have attached proof of conversation with seller in regard to return instruction agreement. 

Now, wellsfargo a bank I been with for almost 8 years have sided with a scammer and charged me two disputed transactions of {$900.00} each Totalling {$1800.00} charged on my account from a temporary deposit RETURN

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 2022-07-05 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: PA

Complaint narrative:
Cash app charged me fees I was unaware of as well as it was explained via chat that I am XXXX and what the funds were used for and the fees are completely excessive in cost, I tried to get the fees reimbursed as a one-time courtesy and they refused which is in my opinion unethical unprofessional and quote frankly under the circumstances of the chat unprofessional. There have been no fees reimbursed through the remainder of the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-07-05 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation