vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been with the bank for over a year with no issues whatsoever. I had saved up XXXXXXXX XXXX  that I had in my account and I recent conducted a wire transfer so the funds could be transferred to another bank related to real estate as I was letting my sister borrow the funds. The process was done without issue and I paid the necessary fees, days later I find out my account is due to be closed and my remaining funds are not able to be recovered until the account closure process has ended. No one is able to tell me why my account has been placed in this hold to closure status. 

Another banker mentioned it could be related to the recent charge dispute case I filed. The amount of the dispute was XXXXXXXX XXXX and was related to a membership charge from the XXXX XXXX XXXX. When I first filed the case I did so in good faith as the membership charge was not present in my main XXXX  account and I could not locate where it came from, all I knew is that I hadnt authorized the charge, which I reported. Shortly after filing the dispute I found which account I was being charged for the membership from and the case was settled with the XXXXXXXX agent directly. Afterwards I called US bank to have the case cancelled as it had been resolved and the agent reassured me that she would close the case, but she actually didnt as I noticed I was provided with provisional credit days later which was reversed shortly thereafter, as expected. The following day, the XXXX of XXXX a hold was placed to my account. Im not sure if its related to the recent wire transfer or the recent charge dispute, but in any event my account is on a hold to closure status, I can not recover my funds and the US bank agents are not able to tell me exactly when Ill be receiving 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank continues to charge me overdraft fees erroneously and unfairly. On XX/XX/year>, their overdraft fees caused a {$6.00} payment not clear which caused more overdraft fees. I deposited money to cover the original payment and they didnt honor it because they changed the policy to money had to be deposited XXXX eastern standard time while I live in XXXX. In the past, I have deposited the night before as late as XXXX or even XXXX with no problem. I had my issue escalated and they did not reverse the overdraft charges. On XX/XX/year> I had XXXX XXXX transactions that came out of my account : one for {$13.00} and another for {$7.00}. Their policy is they dont charge overdraft if the account is less than {$5.00}. My account was {$4.00} on XX/XX/XXXX XXXX. The next day ( when they know my paycheck would be deposited ) they charged 2 {$35.00} overdraft fees for those XXXX XXXX payments. They claim now that they can only take off 2 per year and I allegedly reached my max. It is beyond sickening how Wells Fargo Bank continues to scam people by allowing charges to pend for days and then charge overdraft fees as if the customer could combat a computer system they are intentionally manipulating.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: IL

Complaint narrative:
I had a Discover card account from XXXX XXXX XXXX  which coincided with my time in XXXX. Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Discover to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after the companies investigation. I would like this item re-investigated and immediately deleted. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send me an updated copy of my credit report after you have completed your investigation.

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 2024-07-21 00:00:00
Product: Credit 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year> I had a power washing job lined up with XXXX XXXX. I was told that I would be charged after the job was complete. The Man came to the house, told me that he didn't have the proper equipment and was not able to do the job. ( He also informed XXXX XXXX  ). He then got in his car and left. While he was driving away my Discover Card notified me of a {$560.00} charge. I immediately called XXXX XXXX and let them know the the job wasn't started or finished. The man noted to XXXX XXXX that he could not do the job because he did not have the proper equipment. On XX/XX/year> at XXXX I spoke to XXXX XXXX customer service to inform XXXX list of the issue-credit card charged no services rendered. On XX/XX/year> I spoke to XXXX at XXXX XXXX and informed him of the issue. He said it was in the notes that the man said he could not do the job. I was informed that I would be refunded in 3-5 days. On XX/XX/year> at XXXX I spoke to XXXX at Discover Card services she put a 48hour hold on any charges from XXXX for the amount of {$29.00}. This is the yearly fee for joining XXXX XXXX. On XX/XX/year> XXXX I spoke to XXXX who assured me the refund had been processed and I should see it on my card statement in a day or 2. On XX/XX/year> I spoke with XXXX from Discover Card. She put a 15 month stop payment on my card from the amount of XXXX XXXX  to {$660.00} for XXXX 's XXXX. Discover Card 's inquiry is attached. Discover then conducted an investigation and charged the disputed amount back to my card claiming I authorized the charges. I am not disputing that I authorized the charges, but this was dependent on the pressure washing job being done. I am now filing a complaint against Discover with the CFPB in the hopes that Discover understands that charging me for a service not rendered is fraud and that I should have the full amount credited back to my Discover Card. XXXX or XXXX 's list is a sham and they customer service is incompetent. I would expect more from a reputatble company like Discover to protect its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION 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 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 and any inquiries that are connected to any of these accounts need to be blocked and deleted by TRANSUNION

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 2024-07-21 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I had a XXXX card account from XXXX XXXX XXXX which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had a XXXX card account from XXXX XXXX XXXX, which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a XXXXXXXX XXXX account from XXXX to XXXX, which coincided with my time in XXXX Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.

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 2024-07-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of date, I have not received a response from your company, and you failed to notate the account XXXX was in a dispute. Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. The current status of loan ID XXXX is summarized below. Loan ID : XXXX Loan amount : {$300.00} Date applied : XXXX. You are reporting a monthly payment on a charged off account which is a violation of the FCRA. You are also reporting the incorrect balance which is another violation. Attached is the True Bill for your violations which payment is to be remitted to the address on the invoice.

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 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I hope this message finds you well. I am writing to address an issue regarding the recent flagging and termination of my PayPal account. I believe this action was taken due to the following three transactions : 1. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX **Gross amount : ** {$29.00} USD 2. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX 3. **Payment received from XXXX XXXX **Date : ** XXXX XXXX **Transaction ID : ** XXXX These transactions were payments from clients for services I provided to them. I assure you that all services were delivered satisfactorily, and I have not received any complaints from these clients or any other clients I have worked with. Since I began using PayPal, I have successfully completed transactions with over 200 clients without any issues. 

I am deeply concerned about the termination of my account, as it is essential for my business operations. I kindly request a review of my account and the transactions in question. I am more than willing to provide any additional information or documentation required to resolve this matter. 

Thank you for your understanding and prompt attention to this issue. I look forward to your response. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have an open account with Nordstrom since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report.

This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Nordstrom to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX was hacked for {$3000.00} on XX/XX/year> I wrote to XXXX XXXX  on XX/XX/year> and filed a claim with my bank ( Wells Fargo ) it has been almost 3 months and Wells Fargo sent me something in the mail saying they didnt get the information that they needed or requested. I dont understand what I was supposed to provide? I am still locked out of my XXXX XXXX I refuse to use them ever again. I dont understand how i could loose {$3000.00} just like that.

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 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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