vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give XXXX my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e XXXX, XXXX, Experian ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name XXXX XXXX and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am an XXXX man and a victim of a scam. I found out when Wells Fargo accepted a deposit in my checking account for an unusually high amount. Even though it was a large amount in the deposit, Wells Fargo did not put any hold on the deposit. So, I then sent XXXX wire transfers for the same amount that was deposited and that WF did not hold. Perhaps Wells Fargo should have exercised due diligence before accepting the large deposit. 

So, on XX/XX/XXXX, I received an email from Wells Fargo indicating they were closing my account. I called the Wells Fargo Fraud division and didn't get any cooperation about the Direct Deposits for XXXX of my SSI, XXXX XXXX and XXXX XXXX XXXX and Wells Fargo apparently is taking my XXXX retirement funds and applying them to the negative balance on my checking account. 

After being with Wells Fargo for more than 30 years, they have no problem taking my financial means of living for XXXX. 

I would like Wells Fargo to at least return my direct deposits for XX/XX/2022 so I can live.

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 2022-09-30 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: HI

Complaint narrative:
I sent a letter to XXXX dated XX/XX/2022 regarding XXXX XXXX XXXX  ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2022-09-30 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have not consented nor do I recognize this inquiry and there is no contract with this company

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: PA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give TransUnion my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e TransUnion, XXXX, XXXX ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name TransUnion XXXX and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name TransUnion, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I deposited a check on XX/XX/XXXX I was told by someone at the bank that my money would be available at midnight on the XXXX of XXXX but it was not the I was told it would be available A couple days later then I was told it would be on the XXXX business day then on the XXXX business day I was told that they considered it the ninth business day then on the XXXX business day I was told I had to wait till the very end of the XXXX business day then on the XXXX business day they let me have access to my account for about three minutes and then they closed it again at which point no one would talk to me about it just send me to a voicemail every time I called I have tried to speak to a supervisor every time I have called in over a dozen times no one will let me they tell me thats not their policy Im not allowed to speak to a supervisor all I can do is leave a voicemail no one has tried to call me back through this whole situation I dont know what to do this money is part of a parent plus loan that I got from XXXX to help pay for my daughters collage and college living expenses

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I took out a secured card at Navy Federal Credit Union ending in XXXX depositing {$200.00} to use against. The card was completely paid off and account closed on XX/XX/2022. They refuse to give me the original {$200.00} I deposited to create the card and just give poorly explained excuse after excuse as to why they can't return my rightful money -- or even use my paid off card which is still displayed as active in my banking dashboard despite being closed. They agree the card was completely paid off including all interest and still refuse to release my money or even close the account/remove it from my banking dashboard -- which should have been taken care of the day the entire amount was paid and account closed. I am surprised and disgusted by this banks actions ; literally taking $ XXXX off my back with no discernible reason as to why they can't return my money. This is malicious in nature and the only people I can get on the phone to solve this are malcontents that insist no solution exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC ( GS & Co. ), which are subsidiaries of The Goldman Sachs Group , Inc.

The rewards points on my GM Rewards card administered by above company are not accessible. The website does not work : it will not send the verification code needed to access the rewards points. I tried to resolve this with an online chat and a phone call today ( XX/XX/22 ) without success. Both representatives promised that they would " escalate '' the issue and that I would be contacted by someone. I haven't been contacted by anyone. I just tried to access the rewards points on the website again, but it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted Chase for both three of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by Chase not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 Chase discriminated against me for having a XXXX and XXXX  being unable to make on-time payments because my job was delayed in paying me and Chase charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Chase discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NJ

Complaint narrative:
I have submitted a complaint against this erroneous information 4 times already and every time Transunion has fail to provide the proper files to verify the accounts being disputed. I demand the First initial contract with my signature on them that you Transition have on file before reporting them on my consumer file. 

XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX XXXX XX/XX/2022 to TransUnion Consumer Solutions XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions My credit report File Number XXXX XXXX XXXX so you don't reply as if you can't locate it.

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 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and COVID being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

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 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX  being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.

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