vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had multiple instances with Wells Fargo to where I have gotten paid and the money is deposited into my account and at the same time I had bills pull and they would charge insufficient funds fee 's and would advise me that the bill payment pulled prior to when my check was direct deposited in my account, but on my account it shows when the money was deposited and when the bill was initiated to be deducted, and shows on multiple occasions that my bills pulled hours after my deposit went through. I called them multiple times and they stated that what I see on my account is not actually correct, the times are not correct at all, I even called the companies that charged me for my bills and confirmed the times were after the deposit was made and still received a insufficient funds fee.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OH

Complaint narrative:
i purchased the basic home doorbell video security system from XXXX  security XX/XX/XXXX i used my usbank reliacard which had my unemployment benefits. i received a call from XXXX saying i could save on a upgrade.i asked if there is sound and video. and not snips of pictures put together and she said yes. a free,XXXX security kit with professional monitoring x 1 with XXXX complete. {$110.00} cost i saved {$47.00} i paid {$76.00} order # XXXX it was no video or sound, i canceled with a email thinking it was cancelled and a year later XXXX charged me {$100.00XXXX XXXX said they would refund me {$100.00} but never did. i called prepiad dispute resolution XXXX XXXX XXXX XXXXXXXX fl XXXX the dispute department. claim # XXXX card id # XXXX.i told them what happened and they found no error. they mailed me two letters dated XX/XX/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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Approximately 2 years ago I had changed my cellular phone service to XXXX XXXX and I had to purchase a new phone to utilize their service. I purchased a XXXX XXXX XXXX phone for {$750.00}, the most I have ever paid for a phone. Within a few weeks the phone had a problem with charging, there was an alert given when I would plug in the charging cord. It would say that there was moisture in the charging port. The phone had never ever been in the presence of any water. I had contacted XXXX XXXX and they sent me a new phone of the same type and they had me send the defective phone back to them. Within a short time I was contacted by XXXX XXXX saying that I had caused corrosion in the phone and that the problem was my fault. After much communication with them and many other agencies including XXXX who admitted that this was a flaw in their phone but they were working on it and I would have to deal with my provider, they would not do anything either. Meanwhile the phone was under warrantee and XXXX had told me that the phone could be submerged in water for an hour, taken out and let dry, and it would be fine, but I had never had the phone in any direct contact with any water. Subsequently XXXX XXXX shut off my service, locked out the phone and my phone number, and I went back to XXXX, got another brand new phone and number, and recently I had gotten an alert on my XXXX XXXX that there was a collection action on my credit report. I had no contact regarding this and no opportunity to defend myself. Early on in this matter I had tried to find some help through some consumer agency but there was nothing and no way to deal with this issue. I am a semi-disabled senior living on my social security and small pension, and this was fraud on the part of XXXX XXXX. I don't know if there is anything that can be done at this point but it is criminal that a company can act in this way and consciously take advantage of people like myself..

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 2022-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : 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 explanation
Consumer complaint received 2022-12-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I went to Sam club recently to inquire a Business Credit Card. I purchased a XXXX XXXX for {$110.00} to start the process. I then filled all the paperwork out regarding my business information. ( Address, XXXX, & so on. ) The store representative then states the application is trying to convert its self to a XXXX XXXX, which is NOT what I asked for. I made it clear XXXX times I have enough Personal Cards, I just need a Business Credit Card through them to help supply my business as needed. She then called corporate and was put on hold I waited for XXXX XXXX to talk to someone. She picks up other calls incoming on another phone & then places the corporate call on speaker. When they answer she places the other conversation on hold, takes corporate of speaker and tells them for some reason the application type switched over and she cant change it. She gives me the phone I explain that isnt what I asked for they ask for her again for some information off her cpu. She gets put on hold again. She soon responds to someone telling them what happened then say here he is and hands me the phone. I say hello, a man responds Im tryna see about a credit card I applied for a XXXX XXXX Clearly thats wasnt corporate, I tell her she says Im sorry idk what happened I can give you their number. I got the number and had no choice but to leave at that point. Call them myself the tell me they can take it back which may be true but I asked so now what am I to do they basically said I need to contact credit bureau because its out of their power at this point. So ultimately I was also denied meaning I dont have the card but even if I was accepted it still wasnt what I inquired for. So shortly after my credit was hit for the hard inquiry of course. Im trying to get it removed and corrected. Please and 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 non-monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred money to my landlord ( XXXX XXXX ) {$800.00} from my XXXX Bank of America to her Bank of America account. 
They wrongly accused her of fraud and closed her account. I did not know that I was not supposed to transfer money to accounts not under my name because I had a XXXX account, It does not say that anywhere, because of this they closed her account and bofa told her that she can never open up a bank account again. 
It has been 2 months of calling both sides of bofa to recover the money and filing claims with no success at all. Bofa is denying my claims because the transfer went through and it was not fraud. The normal bofa will not talk to me because my account is not with them. XXXX showed me proof that bofa is holding the money and that it is in in their hands called hold safe This is my last resort of attempting to recover my {$800.00} and am already speaking to attorneys on this. 
Bofa is notorious for accusing their customers of fraud without accurate research. 
They just want to hold our money in their books and possibly steal it. 


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 explanation
Consumer complaint received 2022-12-23 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I financed a car through Wells Fargo Auto back in XX/XX/2017. I have paid {$37000.00} per/contract. This loan was written for 72 months. Wells Fargo turned into the XXXX 82 months. I called and spoke to the main office about this and they would not admit it. I called again and spoke to someone else and they said that is how many months I owe on this car. I explained the contract was in the amount of {$37000.00}. The lady said I need to send her documents. I asked her if they did not have a copy of the contract. She stated " not all of it '' I sent copies through " text '' I get a letter in the mail stating that 82 months was correct. I turned this into my " State General Attorney office '' I tried to work with them. The title to my car belongs to me. I paid this contract in full. I feel they are " thieves '' I paid my payments per/contract. They stated I owed another year for late payments. My payments were made every month as agreed. I asked if I could change my due date because of my SS check being due the XXXX Wednesday of every month. The person I spoke to said " that will be no problem '' I can change your due date. When I addressed this with the main office " the gentleman '' said " that was denied. I asked him why I had not been notified. He said " just a miscommunication '' I guess. I told him that was a " mistake only in your favor '' he asked me what else he could do for me. That is how the answer was addressed by the main office.

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 2022-12-23 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: TX

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-23 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-23 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: FL

Complaint narrative:
Noticed a few accounts on my report I do not recognize

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 2022-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-23 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: FL

Complaint narrative:
Noticed a few accounts on my report I do not recognize

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 2022-12-23 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: FL

Complaint narrative:
Noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX is available on XXXX website. I tried to opt-in through the form. The submission returned and error saying I am not eligible. The terms shown below the form indicate I am eligible because I have an open account, its not delinquent and my card is XXXX of the XXXX eligible cards. Chase responds a few days later saying I am not eligible. The website is freely accessible by searching on XXXX for XXXX chase promo. The webpage is accessible to the public at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-23 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: TX

Complaint narrative:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : I 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 explanation
Consumer complaint received 2022-12-23 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: PA

Complaint narrative:
To whom this XXXX concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : 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