vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Upon opening my Chase Mobile banking app. Just below my banking account balances. There is a section that explicitly states " you are already approved! '' And then lists multiple options to me. 
A finance auto loan for XXXX A Chase Sapphire Preferred card with a XXXX limit. 
I opted to apply for the Chase Sapphire preferred card and only applied due to the heading stating " you are already approved '' once I applied I was denied the card and the financial service placed a hard inquiry on my credit report. 
I would not have applied for this card had it not said " you are already approved '' explicitly above. This is unfair and deceptive and has hurt me as a consumer negatively impacting my credit score. I have provided a screenshot of the application. Once I was denied the credit card they removed it from this section but the option is still there for the auto loan. Stating " you're already approved ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I contacted American Express in XX/XX/XXXX to close my account and deny any future charges. I had already put a freeze online on the account in XX/XX/XXXX. Amex agreed to close the account and deny any future charges. A few weeks later I received a security call stating that there were fraudulent attempts to close the account. I then contacted Amex who told me that they did not properly close the account and agreed to reverse the charges since the account was closed. They also agreed to permanently close the account. 
A month later I received a bill for additional charges. I contacted Amex again and Amex informed me that the agent did not correctly close the account. They confirmed the account was closed. 
In XXXX I received a call that someone was attempting to access my account, which was still open. In addition there as a {$300.00} charge on the account. At this time, Amex claimed that I would be responsible for this charge even though they confirmed that I had attempted to close the account and that they had removed the freeze. 
I am asking you to contact Amex and have Amex remove all charges after I closed the account in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 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: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-06 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: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just received a letter from the Comsumer Financial Protection Bureau. They state that all of my information has not changed. This is because Wells Fargo Auto Finance has refused to cooperate by aski8ng for six months of Bank Statements showing that ; 1 ) I had worked for XXXX XXXX XXXX for 3 years, 2 ) My job title is incorrect for XXXX XXXX XXXX ( and I have the proof of my job title from that company. 
3 ) Wells Fargo Auto Finance failed to ask for 6 months of Bank Statements showing that my deposits, which went Direct Deposit, were accurate, I did not make {$2600.00} a month, and I have no assets of {$1400.00}. 

If they had asked for proof of this, they would never have given out a loan of this size. This could also end up going to court for Elder Abuse via Financial Exploitation. 

I had banked with Wells Fargo since XX/XX/2015, my banking records would have more than shown how much income I earned. I also did not receive the sale paperwork for one month after the sale of this vehicle. A friend went down with me to get the sales paperwork, and we were told it wasn`t ready ( after one full month after the sale ). However, the major mistake was made by Wells Fargo Auto for not asking for visual proof of income. 

Every, and any Loan Company asks for 6 months of bank statements in order to give out a loan of this size. Wells Fargo Auto is fully at fault for not asking for my bank statements for the past 6 months. WElls Fargo Auto is fully at fault.

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 2023-07-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On statement date XX/XX/2023 the interest rate was 22.65 % for the current charges subject to a balance of {$110.00} On statement date XX/XX/2023 the interest rate was raised to 22.90 % on the same charges subject to a balance of {$120.00}. Event though there weren't any additional charges the balance subjected to interest was raised. There was not any additional charges. A noticed was not given informing of the increase of the interest rate. 
Payment had been made and the actual owed balance went down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 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: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-06 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: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX, I have initiated a money transfer online through MoneyGram, the amount was {$4300.00}, the funds were supposed to be deposited into XXXXXXXX XXXX XXXX XXXX  Limited bank account in the XXXX XXXX, on MoneyGram website, it says transfers of that kind takes 0-4 days to to complete. On the XXXX of XX/XX/2023, XXXX XXXX XXXX XXXX contacted me about the funds not being deposited in their accounts, I called MoneyGram to for inquiry, the manager has explained to me, I am having this issue because MoneyGram does no send money to businesses, and only deals with individuals and families, however they will work to make sure, the funds are refunded to my account, he also explained this usually takes 30 to 90 days for resolution, however I will get my money back earlier since I did not know of the consequences of sending money to businesses which they do not do, after three days I still did not receive the refunds, every time I call, they had a different explanation, they say we are still working to get your funds back. You put in the wrong account number and funds may be missing, which Challenge the Moneygram Managers constantly as that was not true, as matter of fact on the first day of my complain, all of that was verified, and the manager agreed all account numbers were correct, on XX/XX/2023 Moneygram sent me email saying they have completed their investigation and I should disregard whatever they told me previously, and they have deposited the funds in XXXX XXXXXXXX XXXX XXXX account. I called XXXXXXXX XXXX XXXX XXXX and asked them if they have received any funds and they said no, and even sent me they bank statement to back it up. I called XXXX and requested the transfer transcript as to verify if the funds were indeed deposited in XXXXXXXX XXXX XXXX XXXX bank account, XXXX tells me they have to investigate all over again, and it will take another 30 to 90 days, at this point I believe XXXX is not being transparent with me an some in their organization has stolen my money. On their report if states I have a right to the investigation report, the transfer history as the accounts money was deposited. I need to know what account they deposited the money into, if they claim they have deposited the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I filed a dispute on or around the last week of XXXX.Sent in all the documents that show when my transactions were made and funds taken from my Account.PNC emailed me requesting me call and I did. I received no answer and no return call or email from anyone.This has been going on for over a week and I havent been able to contact anyone from the bank about any other problems i only received communication when they were taking money from my account unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good morning. I am trying to fix an error on my Capital One account. There are a few late payments occurred from 2018 and a couple months for due to a car accident and I was financially struggling and could not pursue any payments on credit cards. Same time around XXXX. I was laid off for a few months due to the pandemic and I had another late payment or XXXX. Since then I have never missed a credit card payment. Ive been in good standing for a few years now. I reached out to Capital One for assistance and was failed to have anything pursued to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: SC

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XX/XX/23 XXXX Payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment Wells Fargo to XXXX returned XX/XX/23 XXXX payment returned from Wells Fargo to XXXX returned XX/XX/23 another XXXX payment from Wells Fargo to XXXX returned XX/XX/23 XXXX payment from Wells Fargo to XXXX returned all these payments were returned wen they payee had already received funds to pay these bills and they were paid and settled Wells Fargo allowed this customer to do a chargeback/return on all of my payments wen they had already rightfully been paid for months Wells Fargo has allowed there consumer to dispute all of these charges as if they were fraudulent but they werent resulting in all my funds being completely taken after given to there consumer to pay bills which they were paid Wells Fargo allowed them to return all the payments that can see have been paid for months and months this is not legal to allow someone to just dispute any random charge they have already been authorizing for months

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 2023-07-06 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: LA

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

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 2023-07-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this 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 explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Booked XXXX prepaid trips with XXXX XXXX XXXX for XXXX and XXXX, In XX/XX/XXXX they sent out notifications that they were closing and no refunds were available, this affected over XXXX people. Auditors found that XXXX XXXX XXXXXXXX used the funds to purchase XXXX, which was fruadulent. Filed with Bank of America as fraud, denied, refiled. 

Claim # XXXX XX/XX/XXXX Claim # XXXX XX/XX/XXXX XXXX XX/XX/XXXX Claim filed and denied, called to re-open claim 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 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MT

Complaint narrative:
Credit Control LLC contacted me about a debt collection from an account with XXXX XXXX. They were quite rude on the phone. Unfortunately I did give them my social security number to verify their account. They say I had opened and account with XXXX in 2022 and purchased XXXX cellular phones in XXXX. I have lived in XXXX  in the same home address for XXXX  years and have never done business with XXXX. I think they found my name and used that to link to a delinquent account that existed under the same name in XXXX. I think that when I gave them my social they tied it to the debt and put it on my credit report. I feel like they are happy to collect from anyone regardless of whether the debt was theirs or not. That same day I contacted XXXX 's fraud department and they had no account tied to my social or phone number, the gentleman that helped me was very kind. However he couldn't do anything as I didn't even know the supposed account number. Credit Control LLC has done something very shady and treated me like the criminal when I spoke with them. I reported the activity to my Identity Theft Protection service that day and now this debt is on my credit report. I am very angry and wish I had the means to seek legal action against someone who feels that they have the right to bully me and negatively effect my credit regardless of factual information!

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