vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a FRAUDULENT claim with Bank Of America in XXXX  Over a year ago. I was scammed out of $ XXXX. Because I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining on this same dispute ( claim # : XXXX ) for over XXXX YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACHOTHER an I still havent been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve or credit me what is owed.

ALSO : I WAS WOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MUTIPLE OCASSIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) transactions XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.

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 2023-08-05 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: AL

Complaint narrative:
I received a report from TransUnion in the mail showing where they have updated my name. Transunion is reporting 2 names, there should only be one name reporting. I have sent the proper documents verifying who I am. My name needs to be corrected, per the documentation that I have uploaded on my previous complaint.

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 2023-08-05 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: ID

Complaint narrative:
The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I had a prior issue that was resolved around a month ago. I tried closing my checking account because of unwarranted fees. After resolution, the representative I spoke to agreed to close the account after my fee situation was rectified and I was able to XXXX  out the account balance. It has been over a month and the account has not been closed yet. I called customer support to see why this was the case and they are now unwilling to close my account demanding I go to one of their branches to do it despite them already having agreed to close my account. I am tired of dealing with this terrible bank. Please ensure closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Had a problem with a Company called XXXX XXXX with regard to getting a watch repaired. I cancelled the credit card charge for services rendered for XX/XX/XXXX. The problem was resolved and I received my watch back first week of XXXX, XXXX. Before getting my watch back the merchant asked if I would send a check for the amount of {$1800.00}. I agreed.Received a letter with a form to fill out from Chase bank wanting to know if the problem had been resolved and I said yes. In the correspondence I stated the bill had now been paid with a check, and I submitted a photo copy of the cashed check with the merchants bank. I asked chase to remove the charges.. Since that time I have sent out two other letters the last one being by certified mail. Each time I sent out proof the transaction was paid. I received a letter from Chase bank customer service dept. dated XX/XX/XXXX stating the transaction was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: AL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: AL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I don't know anything about XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: ID

Complaint narrative:
The credit reporting agencies keep adding that my account with XXXX is in XXXX  XXXX bankruptcy and it is not. I have not filed XXXX  XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.

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 2023-08-05 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
The credit reporting agencies keep adding that my account with XXXX is in XXXX XXXX bankruptcy and it is not. I have not filed XXXX XXXX bankruptcy and would not have included any student loans. 

The student loan account was paid in full PRIOR to any bankruptcy filed and noted on my credit report for other creditors listed in my case.

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 2023-08-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Over {$650.00} was taken from my social security payment by wells fargo to pay XXXX XXXX a loan i have a clear access checking account which if funds are not in the account it cant be overdrawn or charged wells fargo has done this numerous times overdrawing my account charging me fees allowing different merchants to charge my account even when a stop payment is placed on the merchants i dont recognize wells fargo then locks me out the system online to file disputes customer service always refuses to give me a manager or other numbers to be assisted Wells fargo freezes my account for suspicious activity cuts my card off pays whom ever they want to when they want to wells fargo fails to update my bank account charges transactions and current balances Wells fargo takes days to clear posted transactions Wells fargo takes a very long time to dispute transactions at their fault after ive made request and not authourized services My account stays in a negative balance im charged for something every month all month long I am XXXX the fees are outrageous the bank is negligent they refuse to help you when you wont give them passwords debit card numbers or pin numbers they dont file claims properly they violate my rights such as social security benefits are exempt from garnishments collection agencies and so on yet wells fargo allows these thefts to occur Its been a week and money has not been credited back to my bank accounts the credits that are refunded end up being taken by another charge and not updated properly or filed under the correct information and title im charged late fees because of wells fargo not posting payments until they feel like it it has affected my credit score XXXX XXXX charged me for a loan i didnt request plus a late fee placed a default on my name and credit accused me of paying a loan off with a different card number not on file then released another loan at the same time one was unpaid in the same week days apart resulting in more late fees as well as wells fargo allowing them to use my account to cover the loans without my knowledge ive sent corporate emails with no help in fixing the situation its numerous charges from for subscriptions i didnt request over draft fees atm fees recurring charges i never set up paying my bills two times changing dates when payments are processed that differ from the mobile app tranactions are missing on statements I need all my XXXX money returned to me inconvience fees as an accomodation my information properly updated fixed with the credit bureaus fair opportunities for credit cards applications i submitted to wells fargo but was denied because of their errors

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 2023-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested Kohls discharge or offset the balance on my kohls.com to the US Treasury in accordance with Public Policy HJR 192 of 1933 et al. However, Kohls has ignored my written requests, they have kept the documents provided to them needed to perform the discharge ( i.e. two 1099a forms, two remittance coupons, affidavits and notices of acceptance for value ) and they continually call me without my permission. When I reach out to them via online messaging they refuse to provide me an opportunity to follow up with them via email in order to preserve my rights. I am submitting in PDF a copy of the documents ( Notices of Acceptance for Value, Affidavits, 1099a, remittance coupon, exhibit ) sent to them via certified mail in XXXX, XXXX and XX/XX/XXXX and proof of delivery via the USPS website. 
As proof that the balance is supposed to be discharged and returned to the US Treasury please see the following laws : All debts are the obligation of the US Treasury as shown in 18 USC 8 Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness,, coupons, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The term coupons refers to the same coupon all credit card companies such as Kohls issue every month to consumers which is the detachable stub at the bottom of each months billing statement. 
As further confirmation that debts are the obligation of the US Treasury see 31 USC 23 or 31 USC 3123 Payment of obligations and interest on the public debt : ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt XXXX XXXX XXXX According to XXXX XXXX of XXXX the gold standard was suspended and the requirement of a particular type of payment is inconsistent with the declared policy of congress. Every obligation shall be discharged. 
Whereas the holding of or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction : Whereas the existing emergency has disclosed that provisions or obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United Statesobstruct the power of the Congress to regulate the value of the money of the United States, and are therefore inconsistent with the declared policy of the CongressEvery obligationshall be dischargedThe term obligation means an obligation ( including every obligation of and to the United States ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: MI

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. Transunion came back stating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX  are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no debt, no therefore any such debt, in fact exists.

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 2023-08-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: AL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation