vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood has restricted my account, preventing me from opening new positions or adding/withdrawing funds. They initially said they would provide an update, but have not in almost XXXX days. Ive reached out to customer service, but theyve offered no clear information. Ive read concerning reports from other users whove had their accounts closed, with funds withheld, and Im worried that this could happen to me as well. I need transparency and access to my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo - Claim # XXXX XXXX XXXX XXXX XXXX XXXX transactions appeared on my checking account in the total amount of {$160.00}. Wells Fargo XXXX XXXX texted and asked if these were fraudulent. We reported to them that those were not our transactions and they were indeed fraud. I was on the phone with the bank and they asked if my wife 's card was stolen or lost and I said that I did not think so. After talking to her, she discovered that her card was lost. She called WF and reported to them the correct information, and WF cancelled the card and sent her a new one. 

On or about XX/XX/XXXX - Wells Fargo sent a letter stating that they were denying my claim because the card was in our possession. I called and talked with them, stating that they must not have gotten my wife 's phone call on file where she told them that the card was indeed lost. They took my information, apologized and re-opened the claim. 

On XX/XX/XXXX - Wells Fargo again denied my claim stating there was no evidence of fraud. I spent quite a while on the phone with XXXX different reps, and also a customer service rep. The conclusion of all of the calls was that I either needed to go talk to the merchants myself to ask for a refund, or provide Wells with additional evidence that this was fraud. I explained to them that I don't know how to go gather that evidence and this was absolutely 100 % fraud. They said it wasn't. I asked them why Wells Fargo texted me reporting fraudulent activity on my card then? They told me there was nothing else they would do. I have been with Wells for XXXX years, and in that time I can think of maybe XXXX disputes I've had.

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 monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect. Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. Thank you for your prompt attention to this matter. 
Please review : XXXX XXXX XXXX  XXXX XXXX Balance {$680.00} StatusAccount charged off. {$680.00} written off. {$470.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX Date XXXX Balance {$480.00} StatusAccount charged off. {$480.00} written off. {$480.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX Date XXXX Balance {$97.00} StatusOpen. {$67.00} past due as of XX/XX/year>. 


XXXX XXXX XXXX XXXX XXXX {$15000.00} StatusAccount charged off. {$38000.00} written off. {$15000.00} past due as of XX/XX/year> XXXX XXXX XXXX XXXXXXXX Date XXXX Balance- StatusPaid, Closed. 


XXXX XXXX XXXX Date XXXX StatusPaid, Closed. 


Thank you- 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 2024-12-23 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-23 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: GA

Complaint narrative:
I have a checking account with Wells Fargo bank. On XX/XX/year>, a credit card payment of XXXX dollars on was posted on my checking account. On XXXX, I had insufficient funds to cover that payment. Wells Fargo allows an additional day to cover insufficient postings on my checking account. In essence, it gives two days to cover payments. The next day, XXXX, I transferred XXXX dollars and my weekly payroll was posted on my account. My ending daily balance on XXXX was {$580.00}. On XX/XX/year>, I went to my local Wells Fargo branch and explain to them out the situation. The representative first acknowledged the banks mistake. I requested a XXXX dollar credit to offset the XXXX dollar overdraft fee I was assessed. Then, she said she could not give a XXXX dollar credit because Ive already received two XXXX dollar credit. Earlier this year, the same situation occurred and the Wells Fargo gave me those credits to offset fees that were assessed. In short, the representative that I spoke with stated theres nothing she could to reversal the fees assessed. This same situation has occurred in the past.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXX  AND XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with XXXX XXXX XXXXXXXX, AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Subject : Complaint Regarding Unreasonable Check Hold by Chase Bank To Whom It May Concern, I am filing this complaint to address an unreasonable hold placed by Chase Bank on a {$2000.00} check I deposited into my account on XX/XX/XXXX. This check, issued by my employer, is consistent with my regular deposits and should not have triggered such an extended hold. Chase has informed me that the funds will not be available until XX/XX/XXXX. 

When I contacted Chase, they stated that the hold was due to automatic fraud prevention. While I understand the need for fraud prevention measures, I believe this situation was handled improperly for the following reasons : Key Issues : 1. Legitimate Source : The check is from my employer, a reliable and recurring source of income. Chase has the ability to verify this easily.

2. Account History : I have no history of bounced checks or fraudulent activity in my account.

3. Excessive Hold Duration : A 13-day hold on employer-issued funds is unwarranted and imposes an undue burden, as I rely on timely access to my paycheck.

4. Lack of Resolution : When I contacted Chase to explain the situation, the representative refused to assist further or consider escalating my request for a manual review.

This delay has caused significant inconvenience and demonstrates a lack of flexibility and customer focus on Chases part. Additionally, their reliance on automated systems without considering account history or the checks source violates the trust I placed in them as a customer.

Requested Resolution : I respectfully request the CFPB to : 1. Ensure that Chase expedites the release of the held funds after verifying the checks legitimacy.

2. Encourage Chase to implement a process for manual review in cases like mine, where deposits align with the customers history and come from legitimate sources.

3. Recommend that Chase improves communication and flexibility in addressing customer concerns to prevent future occurrences.

As a national bank, Chase has a responsibility to ensure fairness and transparency in its processes. This extended hold appears excessive and inconsistent with those principles. I trust that the CFPB can help resolve this matter.

Thank you for your attention to this issue. I am happy to provide any additional information or documentation as needed.

Happy Holidays, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 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: WA

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

The fraudulent information includes the following : Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2024-12-23 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: WA

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

The fraudulent information includes the following : Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be removed/updated.

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 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i received my paycheck through venmo and i went to transfer it to my bank, as i normally do, but was declined transfer and subsequently my account was suspended for " suspicious reasons ''. ive reached out several times. they sent an email demanding i change my password and submit id, which i did. now they inform me that my case is with the " internal support team '' and they dont have a phone contact number you can only reach them by email and it should be XXXX to 5 days before i hear anything. my issue is this should never have happened in the first place and they are holding my entire paycheck all my funds and here we are 2 days from XXXX and i have an XXXX XXXX XXXX XXXX to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
So I'm a client at Citibank and XX/XX/XXXX I received a check from IRS so I deposited on my account and then the next day they put my account on hold so I can't use it I tried to call them they told me it's under review the thing is the check is cleared in my account and the bank told me that they will close my account and it will send me a check with the money on it it will take 30 to 60 days at least and and they didn't provide me with any reason for the closure of my account and I'm in need of this money which I have on my account

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Capital One Attn : Correspondence Department [ Address from Report : XXXX XXXX XXXX, UT XXXX ] Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing to request specific information regarding my closed account with your institution. Please note that I am not disputing the account ; I am simply seeking clarification on the following details : The date of first delinquency on the account.

The date the account was officially charged off.

The date of the last payment made toward the account.

This information is requested to ensure my records are accurate and up to date. Please provide this information in writing at your earliest convenience. If additional information or verification is needed from my end, please let me know.

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: OK

Complaint narrative:
This morning, I was shocked to see inaccurate accounts listed on my credit report, and I dont understand why this is happening. I check my report regularly, and this time, I found unexpected discrepancies. I thought it might just be a browser glitch, so I refreshed it, but the errors remained. These inaccurate accounts stayed there no matter what I tried. Because of this, XXXX pleading for the documents Ive sent to be carefully reviewed so I can have peace of mind again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Self Financial Inc.
State: TX

Complaint narrative:
My account with Self was closed XXXX years ago. They used my prepaid deposit, closed it, and I assumed my account went collections, which is what they typically do. NOT SO. I recently learned they have closed my account but continued to charge me " LATE '' fees. They will not close my account, which means I am subjected to these late fees until I die. That's if they leave my family alone. This is an unacceptable practice. Their should be limitations on their ability to levy fees, should there not? 

This is a very aggressive and unfair practice and needs rectified. Please assist.

Company response to consumer: Closed with explanation