vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/2024 I received a letter from Wells Fargo dated XX/XX/2024 indicating that I was illegally enrolled in their Sign/Drive bonus without my consent. Within this letter it contained a number to call to rectify the matter. 

On XX/XX/2024, I called the number provided and requested for information regarding my account along with verification that all unauthorized accounts were closed. I was offered {$50.00} to close the matter, which then increased to {$100.00}, but declined both offers and requested for the information instead. I was then transferred to another department called the Escalation Department. Upon speaking with the Escalation Department representative, I was informed that I would receive a call with 24 hours regarding the information that I had requested. I am still awaiting that phone call. 

On XX/XX/2024 I then wrote to the address provided by Wells Fargo regarding my concerns, along with the information I requested. I also followed up with an email to their company with the same letter. I reiterated my request for information to rectify this situation. However, on XX/XX/2024, I received an email from WfSettlement stating that I contacted the wrong address and department. I am still awaiting for a call from the Escalation Department, the provided mediator, or any other contact from Wells Fargo about my request for information regarding the unauthorized opening of accounts in my name. 

On XX/XX/2024, I received a check for {$120.00} from Wells Fargo along with the Mediation Request form. 

On XX/XX/2024, I then submitted the form provided by Wells Fargo to request for a mediation. On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 confirming that they received my Mediation Request. I was informed that I would be contacted within 30 days by a mediator. I am still awaiting a call, letter, or email from such mediator. 

On XX/XX/2024, I received a letter from Wells Fargo dated XX/XX/2024 reminding me to deposit or cash their check of {$120.00} that was sent on XX/XX/2024. 

I am asking for support to rectify this matter, and for Wells Fargo to provide me with the information that I am requesting.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2024, I certified mailed my dispute to Transunion requesting that they reinvestigate the XXXX inaccurate accounts reporting on my credit file. On XX/XX/2024, Transunion responded that the accounts were verified as accurate. 

In accordance with section 15 USC 1681i, specifically subsections ( a ) ( 1 ) ( A ) and ( 5 ) ( A ) ( i ) ( ii ), it is mandated that the credit reporting company undertake a thorough reinvestigation to ensure the completeness and accuracy of disputed information within a 30-day timeframe. Should the investigation reveal that the disputed information is indeed inaccurate or incomplete, the credit reporting company is required to promptly delete the corresponding accounts. 

ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # : 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 2024-05-25 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax, XXXX, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: TX

Complaint narrative:
I have an account with Juno, which is a banking app. XXXX  uses Evolve Bank and Trust. Evolve Bank and Trust has frozen all of its accounts because of an issue with Synapse, a brokerage that is going bankrupt. For XXXX weeks my account has been frozen. I need to get this money off of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX, I contacted Ally Bank regarding two unauthorized transactions : one for {$280.00} from a merchant named XXXX  and another for {$35.00}. After speaking with an agent, I was credited back both amounts. However, on XX/XX/XXXX, I noticed a withdrawal from my account for the exact same amount of {$280.00}. 

Upon contacting the bank again to address this issue, I was informed that they processed the withdrawal. The reasons provided were as follows : - Their investigation found no invalid PIN attempts before, during, or after the disputed transaction ( s ). 
- Their investigation determined that the disputed transaction ( s ) was consistent with either the general location, merchant, or other transaction activity that was not disputed during this time frame. 

I have requested that Ally Bank revisit this issue, as I did not make this transaction. Despite this, they have refused to investigate further and have withheld my money.

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 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
On XXXX, my check was declined at XXXXXXXX XXXX  by Telecheck. I spoke to a supervisor at TeleCheck and was told that the reason was for the decline was that I usually dont write checks for over XXXX dollars. The supervisor XXXX, refused to help me and told me I should wait for 24 hours. I gave a lot of personal information to TeleCheck, and they still would not honor the check. I really need my medicine and am very concerned that TeleCheck has the power to hold your money hostage. Someone should investigate Telecheck for this unfair and biased business practice.

This has happened too often and for too long to me. There should be some intervention whereas consumers checks can be honored without being embarrassed and discriminated against. Telecheck should not continue to be allowed to have consumers checks declined for no good reason due to the check amount patterns.

My medicine costs hundreds of dollars and I was denied access to it due to TeleCheck and not due to insufficient funds. Telecheck already has too much personal information, and it is the consumer like me who is suffering.

Please investigate TeleCheck for this practice. I want to be treated like any other consumer that is allowed to buy products with the means they have.

Thank you for helping me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I called them they domt know why or how it could happen because they seen my account I'm current, good standing. No late or missed payments. So they are also confused why all XXXX of their accounts were closed. I have other cards and they didn't close my account. Only synchrony bank. I paid always all of my cards and would like them reversed since I have done NOTHING WRONG. THIS IS ILLIGAL WITHOUT PROPPER NOTICE. They have all the information om my CURRENT accounts. They disputed it so they said we will see what happens. I have called them and they still saying the same thing. Sometimes it happens?! Whattt. This should be illegal for the hardworking XXXX. I can not pay those cards if they are closed and I will not since they didn't do any good paying on time and never late anyways.

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 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Complaint against PayPal Case ID : XXXX I am filing this complaint against PayPal regarding the mishandling and lack of resolution of my dispute case. It is evident that PayPal does not properly review or engage with the escalations sent to their team, as this case would have been resolved long ago if they did. 

This issue originated as a counterfeit fraud case. I purchased a watch via XXXX using PayPal as the payment method. Instead of sending me the watch I ordered, the seller sent two counterfeit XXXX  watches, claiming they were better than what I ordered. Not only are these watches counterfeit, but they also fell apart upon first opening. I filed a dispute with XXXX, and the seller subsequently deleted the sales post that showed the original product. 

I have provided PayPal with all the necessary information to swiftly close this case and take action against the seller, yet this has not happened. PayPal has now informed me that I need to return the fake merchandise to receive a refund. However, there is nowhere to return the fake merchandise as the seller has deleted all information necessary to identify them. PayPal would be aware of this if their escalation team properly reviewed the case details as claimed. I have provided a screenshot of the deleted page and stated clearly in the complaint that the seller deleted the information. 

I also mentioned that a return is unnecessary because there is nowhere to send it, and it would only be a tactic used to avoid issuing a refund. It is apparent that these counterfeit sellers are exploiting the unengaged workers at PayPal. 

I am requesting : A full refund of {$1000.00} USD. 
Immediate resolution of the case in my favor without any request for a return. 
I have been dealing with this case via PayPal for over a month now, and a simple review of the case facts by an actual person would have resolved this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SoLo Funds Inc.
State: IN

Complaint narrative:
I have been using the SoLo Funds app to lend money, but I am currently unable to withdraw any funds from my SoLo wallet. This issue began over a month ago, and it has affected the entire user base. SoLo Funds has informed us that the problem is due to an issue with a recent update they rolled out. However, they have not provided any timeline for when the issue will be resolved, leaving us uncertain about the status of our funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I observed that there were excessive amounts of interest being applied to the account and charged to the amount of XXXX percent after a recent security breach at XXXX charged almost XXXX to another card. In the past 18 months alone, capital one has charged over {$2500.00} cents of interest and 2 late fee penalties. It was requested for the bank to return the interest and they informed that they would only provide XXXX dollars of interest. It was demanded that they provide the proof of authorization for the increase in fees and dates. The bank indicated that there was a merger and this account began increasing with market adjustable rates several years prior. 

The consumer informed that this excessive increase was not explicitly authorized or approved. The consumer asked for the accounting statements, the interest accounting ( compounding, monthly, daily etc. ), the agreed upon terms and conditions, and the signed contract between both parties. They refused and became rude and argumentative and then the consumer demanded the account to be closed. Capital one refused to close the account unless the consumer verbally agree to their terms and conditions that were never agreed upon in the first place. The account continues to bill interest at XXXX percent and the bank has refused to provide mailing correspondence for their legal department so that a written notice could be sent. Capital one admitted that they had been increasing the rates since a merger over 2 years prior and that the consumer never agreed to increase in interest rates. The consumer has since paid the balance plus the illustrious interest in to the amount of XXXX dollars. There is a XXXX dollars of interest this year alone that continues to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XXXX, I attended a XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX was a vendor, and offered " us '' an incentive to sign up for alarm services. I did, and Fortiva ( Alanticus ) financed the equipment costs, and subsequently issued me a " Fortiva '' card. 

When I attempted to pay my XXXX monthly bill, I could not because the {$640.00} balance was paid on XX/XX/XXXX. Since I did " not '' pay the bill, I spoke to a representative who informed me that Fortiva ( a ) transferred the balance to a XXXX Credit Card because of my great credit and ( b ) had earlier sent me an email offer with 45 days to decline. I never received an email from Fortiva. My method of communication with the company has always been by phone or my mailed statement. Furthermore, how can Fortiva issue me a card " without my approval '' given that all three of my credit files ( XXXX, XXXX, and XXXX ) accounts are " locked '' and " frozen. '' I am XXXX XXXX XXXX, and Fortiva 's action is predatory. I have choices, and if I wanted a Visa card or any credit card, I am capable of applying. Fortiva 's actions impact my credit score, and I have already received an alert that a new credit card has been added to my account. And for the record, I have " not '' received the XXXX credit card they allegedly sent. Although I filed a complaint with the Georgia 's Attorney General 's Office and with Georgia 's Department of Banking and Finance, their systems did not generate a confirmation email receipt of my complaint. Consequently, I am submitting this to you with hopes that you can help me. This is so frustrating!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I want to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submit the application online for new check in acct, I got a message saying I need to call the XXXX number, I called spoke to XXXX XXXX, I am asked to send my identification, I send it. Then I am told I need to go to the branch. 
Is this bank serious? What type of service is this? Is this how XXXX treats its customers? Or prospectives? 
Its unacceptable. 
Ive open with several banks in diff years, never had this issue. 
I want the bank to correct it and let me open it virtually. There is no reason why it should be other way. There why you have a process to send documentation.

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 2024-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute the validity of a debt that your agency has placed on my credit report. The debt in question, referenced as XXXX XXXX  for {$720.00}, was previously disputed with the Consumer Financial Protection Bureau ( CFPB ). Despite this previous dispute, the inaccurate information provided by your agency persists on my credit report. 

During the previous CFPB dispute, it was highlighted that your agency 's information provided to verify the debt was inaccurate. Specifically, the final ledger provided by your agency does not match the name and lease information outlined in the original lease agreement, which I provided as evidence. 

This significant discrepancy calls into question the accuracy and legitimacy of the debt that your agency is attempting to collect. As such, I demand that the erroneous entry be removed from my credit reports immediately, per the Fair Credit Reporting Act ( FCRA ) provisions.

Furthermore, I assert my rights under consumer protection laws and demand compensation for the damages incurred due to this debt 's inaccurate reporting. These damages include but are not limited to, harm to my credit score, denial of credit opportunities, and emotional distress. 

I expect a prompt response to this dispute and request that all collection activities related to this debt cease and that this debt be removed from my credit report immediately. Failure to comply with these demands will result in further legal action to protect my rights under applicable consumer laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from 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 2024-05-25 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
DELETE HARD INQUIRIES ; These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.Also this as well.thansk accounts below have violated my rights 15 U.S.C 1681 section 602a 15U.S.C XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint because I do not agree to the investigation of Experian. I have never used these names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Per my consumer right 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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