vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX, I opened a Wells Fargo XXXX Checking account online. 

Later, I received a promotional offer to earn a {$2500.00} bonus with a deposit of {$250000.00}. The bonus terms stated that the offer was available to customers who upgrade an existing consumer checking account to a XXXX  Checking account. To be receive the bonus, the customer must upgrade the account to a XXXX checking account, and " bring {$250000.00} in new deposits to qualifying linked accounts by day XXXX and maintain at least a {$250000.00} balance through day XXXX after account upgrade or opening. '' On XX/XX/XXXX, I met with a banker in branch to upgrade the account and apply the promotion. There was a computer glitch, and for some reason the banker 's system was not allowing her to input a promo code. She filed an internal ticket and gave me a reference number, and said that the bonus should be applied to the account within XXXX business days. 

On XX/XX/XXXX, I transferred a XXXX IRA from XXXX to Wells Fargo, with securities worth approximately {$230000.00}. On the same date, I redeemed several XXXX Treasury bonds worth just over {$31000.00} into the checking account, bringing my combined new deposits to approximately {$260000.00} -- more than the {$250000.00} requirement to receive the bonus. 

On XX/XX/XXXX, Wells Fargo deposited a promotional bonus of {$300.00} into my account. 

I followed up at the beginning of XXXX with a phone call asking about the incorrect promotional bonus amount. The person I spoke with opened an internal case and told me that I should hear back within XXXX business days. 

XXXX weeks later, having heard nothing, I followed up again by phone. This time the agent said that the bonus requirements had been met, but the promotional deposit would not be made to my account until 30 days after the end of the promotional period. 

At the beginning of XXXX, I called again, and once again they opened an internal ticket and told me I should hear back within XXXX business days. 

My most recent call was on XX/XX/XXXX. The agent again said that the bonus should have been applied and opened another internal ticket. 

On XX/XX/XXXX I received XXXX separate letters from Wells Fargo, each with the exact same text. Each of them stated, " After reviewing your inquiry and the promotion requirements, we requested a payment of {$2500.00} to be applied to your account on or around XX/XX/XXXX. '' While I did receive a promotional bonus deposit of {$300.00} on that date, the remaining {$2200.00} is nowhere to be found. Although they acknowledge that I should have received the bonus, I seem to be getting nowhere with getting the bank to actually deposit the remainder of the funds.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
capital one credit card is garbage, countless flagrant complaints, how or why there in business is also suspect. I have there generic credit card thru walmart, measly {$300.00} credit limit, the 1st malignant problem, they purposely block me from paying off the balance, 2nd, today there idiotic robot purposely blocks you and refuses to recognize you on every number I called today? This is intentional, even there mismanaged headquarters in virginia? WHY is that?! # Another sloppy run bank run by XXXX  and activists, like in XXXXXXXX XXXX XXXX  # Nobody accountable to talk to, hiding from there customers, this opprobrious malignant behavior is normal to them apparently, obviously dont give a XXXX about there customers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with identitytheft.gov and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.

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 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my XXXX XXXX to drop by XXXX points unfairly. I demand that only XXXX credit report per month be submitted for my accounts to prevent such inaccuracies. 

Additionally, I request that my XXXX XXXX be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-04-18 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: NC

Complaint narrative:
Dear Credit Bureau, XXXX XX/XX/XXXX, someone reported my XXXX XXXX credit card balance as {$100.00} to all major credit bureaus. However, my actual balance is {$0.00}. This false information has caused my credit score to drop by XXXX points unfairly. I demand that only XXXX credit report per month be submitted for my accounts to prevent such inaccuracies. 

Additionally, I request that my credit score be immediately restored to its proper level before this erroneous reporting. Please investigate and rectify this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have finished my lease term and am looking to purchase the vehicle. During my lease term, I filed a XXXX  XXXX bankruptcy. This loan was not included in the bankruptcy. A re-affirmation agreement was signed and included in the bankruptcy court. Due to my account being flagged as bankruptcy, which it should NOT be due to the re-affirmation agreement, I have limited access to my online account with ALLY. I am not able to use the chat or email function or access my lease end paperwork. When I call ALLY, because my account is flagged as bankruptcy, they automatically transfer me to the " post bankruptcy '' department after pleading with them not to. I have spoken to post bankruptcy department almost XXXX times. I have been given XXXX different amounts as the amount I need to pay. Ashin in post bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in XXXX hours. This was on XX/XX/year>. I have not received a fax as of XXXX today XX/XX/year>. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/year> and attempted to have the paper work faxed. The representative said XXXX hours. I have not received any paperwork to but the lease and can not get through to a supervisor or another department to assist. I am starting to feel as though this department is trying to scam money out of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information in 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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX, Phone : ( XXXX ) XXXX, Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company.

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating 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
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from XXXX XXXX saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " Aldous Associates '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
This is from a previous complaint against a debt collection agency. I used to be a member of XXXX XXXX XXXXXXXX. I have asked them to cancel my membership and they told me they did. Later I was getting calls from ABC Solutions saying that I owe membership dues, or that I owe them XXXX dollars. That was months after I discontinued my membership with the gym. Then they said to cancel you had to do it in writing, and unless it's done in writing it's not canceled. But I did call and they told me it was canceled. Also I was not in a good health at the time when I called and canceled, but I did speak to someone who said it's all done. 

I have also provided evidence where I emailed them several times about this. 

Now their collection agency " XXXX XXXX '' is what they call themselves, keeps calling without leaving a message. And twice hung up on me when I was trying to find out from them what is going on. Their representative claims that they sent me a notice in the mail about their decision, and I didn't receive anything. They didn't include the apartment number in the address. Then their representative threatened that they will take a legal actions against me, and that I better pay the XXXX dollars to avoid further legal action. 


I will actually take a legal action against this collection agency if they continue their harassment. I have contacted XXXX XXXX  XXXX several times, through email, to resolve the issue. I have a proof of that, which I provided in the last complaint I filed with the consumer protection agency. If this doesn't stop here I will get a legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-18 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting 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:
My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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