vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Unauthorized transactions had been made through my XXXX or XXXX XXXX account which is linked to my bank Wells Fargo Debit Card. XXXX XXXX XXXX Store XXXX for {$34.00}, XXXX XXXX XXXX  XXXX XXXX for {$20.00}, and XXXX XXXX store XXXX for {$30.00}. I filled a complaint to XXXX XXXX but was told they were unable to confirm fraud. I called my bank Wells Fargo to make a claim but was also denied. Was told by a specialist that the transaction was done through my digital wallet / contactless payment with my XXXX digit code. Wells Fargo workers can only go by information they have. They imply that I made those transactions but this is total fraud because I did not make those transactions. How could I when The XXXX store was closed. Also If I can use XXXX Location History I can prove that I was not at the XXXX store at those times the transactions was made. This is Total fraud and needs to be investigated more deeply. If scammers are getting away with my money they can also be scamming others. Thats just not right.

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 2024-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express advertises that the prepaid card can be used anywhere online if amex is accepted. However, all places I have tried ( XXXX, XXXX, etc ) shows that Amex declined the payment request, although the {$0.00} checks go through, as you can see in the attachment. This is a false advertisement from amex that the prepaid card is accepted anywhere online where amex is acceptetd. Amex call center is unable to resolve the issue. 

Gift card order at : amexgiftcard.com Gift card order number : XXXX Order amount : {$320.00} ( order summary attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXXXXXX - Account XXXX This is not mine. 
XXXX - XXXXXXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX Please remove it from my public record

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 2024-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX  XXXX - Account XXXX This is not mine. 
XXXX - XXXX XXXX  - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX - Account XXXX Please remove it from my public record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
On XX/XX/XXXX, I called Barclays to cance a AAdvantage Aviator Mastercard I had never used. I was told my card was being cancelled with a {$0.00} balance. 
On XX/XX/XXXX, I called Barclays because I had continued to receive collection emails. I spoke with XXXX who confirmed the account was closed with a {$0.00} balance. She told me it takes 1-2 billing cycles for a closed account to clear out. 
On XX/XX/XXXX, I called Barclays because i had received more than 10 new collection emails. I spoke with XXXX ( ID # XXXX ). XXXX confirmed that my account showed as closed on XX/XX/XXXX, and it should me cleared out on the XX/XX/XXXX statement. I asked XXXX not note that I would reach out to FTC if the collection emails continued. 
Since that call, I have received 30+ new collection emails. Barclays knows from my profile that I am a XXXX  citizen. I believe Barclays has targeted me for harassment, with the expectation that I, or someone acting on my behalf, will pay the money I do not owe simlpy to make them go away.

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 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: TN

Complaint narrative:
My father passed away in XXXX, XXXX. I am trustee and executor of his affairs. I have not received any 1099 interest accounting for XXXX  to do his final tax return. I have called, emailed and my sister visited a branch of US Bank and there has been zero response.

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 2024-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried to use my American Express gift card online and the card is being declined. I called America. Express and checked the balance and verified that the card is active but it is still getting declined when I try to use it. I called American Express customer support several times and their only advice to me was to try to use it with a different merchant. They blamed the merchant for declining the card and said they could not help me. I called the merchant and they assured me that they accept American Express gift cards and that they were not declining the card. I tried this with several different merchants and have had the same outcome. I am unable to use this {$1000.00} American Express gift card online as well as XXXX additional cards XXXX for {$200.00} annd XXXX for {$50.00} and American Express customer service is not trying to resolve this issue at all. I should be able to use these cards at any merchant that accepts American Express and not have to keep trying different merchants until XXXX finally works. This is a problem on American Express ' end and they should be willing and able to resolve it immediately for their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited {$25000.00} with Truist on XX/XX/year>. 
They suspected fraud. It took 2 months and a cfsb complain to get some information. They told me that I needed to tell the person that wrote me the check to have their bank get it back. That person talked with their bank, XXXX XXXX, who did a fraud investigation and said they found no evidence of fraud. 

I have tried to contact Truist for a week with no response. I have sent emails and left voice mail. 

They will not release the money to me and are doing nothing to get the money back to the person who wrote me the check. 

Truist has had my {$25000.00} for 100 days. 

At this point, I am considering filing a criminal complaint. Truist stole my money because they are not lifting a finger to get the money back to any rightful owner.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i did not authorize these inquiries i did not authorize these companies to run my credit this is fraudulent the companies are : capital one XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, a fraudulent Chase credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called Chase, and all of the credit bureaus. I filed a dispute. It was found to be fraud. Chase said they sent all of the information to the credit bureaus. Experience then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from Chase. I called Chase and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from Chase and therefore cant take anything off of my credit report.

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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
My Direct Deposits were deposited into my Cashapp account in XX/XX/2023 and to Date I have not had Access to my Money that was Deposited into my Account Direct Deposit from Social Security Administration. I have been giving the Run around and also told that I would have access to the funds after 10 days of investigation. Which never happened. The statements I have only shows the deposits from XX/XX/2023 and not the entire month of XXXX where the Deposits were added recieved by Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
Roundpoint took over my mortgage servicing from XXXX. Somehow during this transfer they never figured out that I have homeowners insurance so they sent me a threatening letter saying that if I didn't get insurance then they would but an expensive policy and charge me. But I had insurance the whole time. Roundpoint did not pay the premium for my XXXX  renewal like they were supposed to and now my insurance company is threatening to cutoff coverage. Roundpoint is the servicer, they are supposed to pay the premium. So now I'm wasting my time dealing with this - everything roundpoint touches gets screwed up. These are incompetent fools who shouldn't be allowed near anyones mortgage

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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

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

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

Company 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 2024-02-15 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: EQUIFAX, INC.
State: CA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: NC

Complaint narrative:
This bill is fraudulent and I dont owe it. I was billed for a carpet that was flooded multiple times caused by a leak in a condo unit above. The enclosed pictures clearly show the leak coming down from above ruining my personal possessions. 
I have all the pictures and emails reporting it to the condo office and their responses saying they are trying to find it and fix it. The condo rules say that the condo above is responsible. 
They owe me money for my damaged personal property. 
I keep having to have this removed as they keep selling it to another collection agencies and put it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX  has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both XXXX and Net credit. I submitted my police report and ID. I called XXXX weeks later and Net credit is telling me it should be removed they let XXXX know but XXXX says they never got a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AR

Complaint narrative:
Upstart keep taking additional payments from my account without authorization. I am getting fees raked up from my bank and from Upstart. Upstart is actually charging me when I return an unauthorized payment. My bank charges me XXXX $ for each one then Upstart charges me. I have had other bills return because of Upstart. I get on and make my regular payment and I will look at future payment to make sure there is no pending payments with Upstart so I make my payment, but the next day Upstart send their unauthorized payment through with the one I make. They are so sneaky. You never know when a random payment will come out. I have had to put stop pays on, which cost me XXXX XXXX Upstart will send that same payment through and but for a different amount, with their XXXX $ fee added on, which they shouldnt even be charging me since it unauthorized in the first place. Right now as we speak i just made a XXXX $ payment. Well there is an additional XXXX $ payment coming out from Upstart that not showing in my Upstart account as a payment and not as a credit in my Upstart account, why are they being so sneaky? So if this payment clears and i dont pay an additional XXXX $ for a stop pay, it will put me XXXX payment ahead. This it totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,

Company response to consumer: Closed with explanation