vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
We apply for and received assistance from Louisiana Homeowner Assistance Fund. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account Number XXXX Wells Fargo is acting as if this program does not exist and when I talk to them on the phone Im transfered to different departments and the disconnected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway XXXX XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
This company has reported an account to my credit report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I paid off my credit card with AVANT on XXXX the payment was credited to my balance but has not be refective in my available credit. 

The representative stated a payment can take up to 10 days to credit my account, but there are no disclosures indicating that a payment can take up to 10 days to show available to use This is unacceptable that funds were drafted from my account the next day and now my funds are tied up because of what??. 

I don't understand how you can credit my balance but not make my funds available. 

I have ask the company to send me where the policy is disclose to the consumer and they have not been able to provide This is unethical and a misrepresentation of payments. If the fund are credited and posted to the balance & funds are drafted from the account why are fund being kept and held for up to 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I made a payment to my gardener of {$370.00} via XXXX from my Chase Bank account app. The money was never received. My local bank branch manager and the recipient have verified to my satisfaction that he never received the money in his XXXX XXXX XXXX account. He is also missing another payment from Chase made by a neighbor of mine, ( now deceased. ) Chase has refused to credit the money stating that everything is normal from their end. XXXX XXXX XXXX refuses to help because their institution never received the money. I can not talk with XXXX because they will nor respond to queries or complaints unless you used the XXXX app. My bank manager has verified with a XXXX  XXXX XXXX bank manager that the money was not received. Chase refuses to help me further, stating that their data shows the money was received, and that they can not contact XXXX to work on the problem. XXXX appears to be particularly opaque in their handling of other people 's money, not answerable to anybody if a mistake occurs. I am concerned that money is being siphoned off fraudulently in these transactions in small amounts, but Chase is unconcerned and XXXX is unreachable. 
The transaction number for the missing money is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened this account through an invitation on my citi credit card account screen. 
I have a similar relationship with another bank, and had no reason to suspect any problems with citi. 
On XX/XX/XXXX. I started funding it conservatively, and I received an ATM card. My linked XXXX  checking Account was the source of most of the funds. I was also able to cash and deposit my citi credit card rewards. ( see attached ) Things seemed fine, so I continued deposits totaling {$40000.00}. ( no withdrawals ) My last deposit of {$10000.00} was made on Friday XX/XX/XXXX in the morning. That afternoon, my account disappeared from my Citi home screen, where just hours earlier, it had accepted a {$10000.00} deposit. I did not have any withdrawals and the ATM card was never activated. After pressing them, I received the attached email. When I called the number provided to ask questions, I spent hours on hold, and the only reply " Your account is under review, it will be closed in 30-60 days and a check will be mailed to you. I was refused an answer when I asked why it was under review. When I continued to ask questions, I was hung up on. Twice, on separate calls, I requested to speak to a supervisor, ( who was not available ) and told I would receive a call in 24-36 hours, and I should keep the line open. Neither call was returned. 
On XX/XX/XXXX, Citi Customer Service was able to confirm my correct balance in the amount of {$40000.00}. 
Today, XX/XX/XXXX, the first time i called, I was unable to obtain my balance information and again was refused answers to questions. The second time I called, my correct balance of {$40000.00} was confirmed. .I asked for my account number which was not provided. 
I never received the full account number, the ATM number and or my SS # were used to identify my account before refusing to give any information. Last 4 digits are XXXX. 
I believe citi enacted a new policy in their client manual on XX/XX/XXXX to address the mistake they made, Meanwhile, my {$40000.00} is being held hostage, with no explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and Equifax is reporting closed and XXXX is reporting open. 
4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
MY husband and I attempted to send money to a pastor in XXXX for a water project at the amount of {$4100.00}. Due to the fact that we have not actually met this pastor in person Western union said that they would not deliver the money even though they did do a similar delivery in XXXX of last year. 

So we asked for a refund and this has be processed so they say and promised and each time we have talked with them and asked for a supervisor the say that all that can be said it that it is in process. We are now talking almost 3 months We have made 6 phone calls and have given up as we get the same story. Promise without any delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marauder Corporation
State: SC

Complaint narrative:
1. XXXX XXXX XXXX, XXXX, {$1500.00} 2. XXXX XXXX XXXX, XXXX, {$1200.00}. 
3. XXXX XXXX XXXX, XXXX, {$340.00} 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX, {$9000.00} 6. XXXX XXXX XXXX XXXX, {$740.00} 7. XXXX XXXX XXXX, XXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Untimely response
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: WY

Complaint narrative:
Some one in Texas Fraudulantly opened a FEB DESTINY credit card in my name and it is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I noticed back in XX/XX/2022 there was a fraudulent item Affirm loan and services on my credit report. I contacted Affirm Ioan and services with no results. I disputed this item 3 times with proof and documentation with XXXX. Unfortunately this item has not been removed. I want this item removed from my credit report. My credit is important to me. I have rights under the FRCA act that has not been followed. I will contact an Attorney if cfpb can not help. Also this item only reports on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.00} OPENENED 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 


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
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: MO

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 


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
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( XXXX ) Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have had a XXXX through Barclays for approximately 15 years. My wife got a second card on the account for her use. On or about XX/XX/XXXX, she was notified her card was being used to purchase a computer. She notified XXXX through whom the computer was being purchased and XXXX indicating it was not her making the purchase. They said they canceled the purchase. Unfortunately, it was sent out the following day. Some imposter received the computer in XXXX SC. We fought with them about the fact it was fraudulent. XXXX had sold a computer at my wife 's expense. XXXX was receiving monies for providing the money to pay for the computer. Eventually, XXXX deduced it was in fact fraud. They took the computer off her bill and notified her they had taken it off of her bill. 

In the interim, XXXX had transferred the fraudulent computer purchase to my card in XXXX. I refused to pay it because it was not only a fraudulent purchase, it was not made with my card. XXXX would not take the computer off of my card. I refused to pay it. I attempted to contact them. They disregarded me. They hung up on me. They transferred me directly to collections so they could continue attempting to extort me with the purchase THEY had put on my card. 

I was attempting to purchase a building to be my office due to the sale of the place I rent. I attempted to borrow {$64000.00} on a {$100000.00} house. The XXXX XXXX of the bank called me to tell me I had been refused financing because my XXXX XXXX was XXXX. It had been XXXX. Thus, I was unable to get my building due to the defamation of the credit card company. 

They finally took the fraudulent purchase off my card in XXXX. They did not take the interest off. They did not take the fees associated with not paying for the fraudulently purchased computer. Now, they have canceled my card ( I only learned that due to my call to the credit card company again today. ). They have refused to make the situation right and I have been crippled by a fraudulent purchase they have put on my card! They knew it was fraud yet put it on my card. Essentially, XXXX made a fraudulent purchase of a computer on my credit card. That is a breach of their fiduciary duty to me. That is a fraudulent purchase. That is defamation. That is blackmail/extortion ( putting fees on my card and forcing me to pay them or get crushed by my credit report. PLEASE HELP ME!

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 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have a fraudulent transaction for the amount of {$300.00} that was posted on XX/XX/2022. Upon noticing this charge, I reported it to PayPal on XX/XX/2022. It has been a month now and I have not received a resolution from PayPal, nor have they credited my account while they conduct their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased a vehicle at a local dealership and financed the loan through Gateway One Finance and Lending. I paid off my loan a couple moths early in fact. GOLF subsequently went out of business, but never released the lien on my car. I can not obtain a duplicate title. I tried reaching out multiple times to Santander, the purchaser of GOLF 's loans, but they can not be bothered to include the necessary information so that the lien on my car would be released nor can they do this in a timely fashion. There are dozens of complaints on the XXXX XXXX XXXX website for the same situation. This situation needs to be rectified for me and for the dozens of others who have been impacted by the slovenly business practices of these XXXX entities, only XXXX of which is defunct. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

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