vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter from Bank Of America " we've made the decision to close your credit card '' because of a returned payment and utilization of my credit is high. Conditional XXXX of your claim. This is an attempt to validate a debt against Bank of America. This response is not a refusal to pay, this response is my conditional acceptance to Bank of America on the conditions being met as required by XXXX. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of XXXX or reopen ALL my credit card accounts within 24 hours. Reopen my credit card account and increase my credit limit for each credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I posted a job listing on XXXX offering my services as a XXXX XXXX. Shortly after, I received a message from someone claiming to represent XXXX XXXX named " XXXX XXXX. '' Because there was this message on the XXXX XXXX, the message made me think it was a legit partner from them : XXXX ( XXXX XXXX ) is a XXXX Business client Business clients are great for offering ongoing work and big projects. Give fast, quality service to win their next project. 

XXXX offered me a remote position with a promising payment rate, and I eagerly agreed to a XXXX interview. During the interview, everything seemed professional and legitimate, and I provided my identification documents without hesitation. On the designated workday, XXXX informed me that the company was in the process of obtaining the necessary equipment, but they sent me a check and asked me to send money to a vendor for the equipment. 

This process was repeated multiple times with different checks, and I deposited the checks and sent the requested funds as instructed. However, I later discovered that it was a scam when my bank notified me of a returned check and I realized the real XXXX XXXX had warned against such scams on her XXXX profile. 

My primary grievance revolves around the lack of urgency and willingness to resolve the issue promptly by the two financial institutions involved. Firstly, I am deeply concerned about Wells Fargo 's decision to honor three counterfeit checks on separate occasions, totaling {$14000.00}. 

When I contacted Wells Fargo to report the fraudulent activity, I was met with a disengaged fraud department agent who remained unresponsive throughout my explanation of the situation. Despite the fact that a larger check of {$5800.00} had yet to be cashed and could have been prevented and returned, the agent simply stated that there was nothing he could do. 

Similarly, my experience with XXXX XXXX was disheartening. I reached out to the specific XXXX agency used by the scammer and spoke directly to a representative at their branch. However, she provided no assistance and claimed that the manager was too busy to speak with me. 

She took my information to have the manager call me back, but I never received a call. Additionally, the representative provided me with a 1-888 number to complain, but it was exclusively for XXXX account holders, and as a non-account holder, I was unable to utilize it. 

Both financial institutions allowed these fraudulent activities to occur without intervening or displaying any willingness to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
Apple Card from Goldman Sachs is restricted and has XXXX balance and have been this way for over 60 days. No communication from them at all about resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every month there has been money taken out of my account by well fargo for fees that are unexplainable when asked about

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 2023-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
Inquiries not removed from credit report that was done fraudulently. I previously sent in a police report and updated my information back in XX/XX/2023. Made contact with Transunion on XX/XX/ and told by representative that my information was never updated. Representative went ahead and updated my email address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I reviewed my consumer report and found in accurate reporting regarding account Ally Financial ( ALLYFINCL ) beginning with account # XXXX. According to 15 U.S. Code 1681e whenever a consumer reporting agency it shall follow reasonable procedure 's to assure accuracy of the information concerning the individual about whom the report relates. There are discrepancies across all three reporting agencies as shown on the attached screen shot, so therefore I would like this account removed from my reports. These inaccuracies are affecting my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: VA

Complaint narrative:
They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
In XX/XX/2023 I attempted to transfer money from my credit union to Etrade. I was distracted so accidentally did not verify I had enough money in the credit union account to make the transfer. 

When the credit union saw my mistake they charged me a fee and that's it. 

When Etrade saw my mistake they charged me a fee and put a hold on my account. I have been trying ever since to lift that restriction. I have tried 4 times, the last time being XX/XX/2023. They will not lift the restriction until I send them a photo of my drivers license ( done ), a letter explaining that I want to withdraw my funds and close my account ( done ), and a copy of my bank statement from my credit union. I seems illegal to me to have to provide private personal account information from another financial institution in order to close my account! This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Mailed in FTC report 4 times each of the last 4 months with tracking number and still haven't received none of my documents. 

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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank refuses to take responsibility for cashing check payment almost three month after paying outstanding balance in full. 
Check # XXXX for XXXX was send on XX/XX/XXXX, but didn't cash it till XX/XX/XXXX. 
Comenity Bank unjustly vollected late fees & interest and ruined my low XXXX credit rating I demand a copy XXXXfront & back ) of check # XXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I was a victim of identity theft with XXXX XXXX in XX/XX/XXXX. I contacted the XXXX XXXX fraud department immediately and notified them. In XX/XX/XXXX, I contacted XXXX.The charges were taken off my credit report. 
In XX/XX/XXXX, I received notices from Jefferson Capital Systems LLC, stating they overseeing the XXXX account and now there is a charge of {$4300.00} on my credit report. 
On XX/XX/XXXX, I wrote XXXX to dispute the claim. On XX/XX/XXXX, XXXX said that their investigation concluded that the charges were accurate. I take exception to that ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA Called everyday for 2 weeks hanging up and not speaking. I called them back to stop the calls. They said it will not stop until a debt ( I don't own ) is paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was hired for a company and I received two checks for work. I put my checks in the bank and was told it was for computer supplies and tools. I have never worked online before and this was my first expericence. I received a call from the actual company and was told there was many wire fraud and money laundry. I went back to the man who recurited me and my money was out of my account. I went to my bank and told them what happend with all the check information and names. The actual company filled me in and told me there was a investigation in progress with the person who has been doing it. I talked to everyone I needed to and sent in multiple copies of evidence. My bank said they will look into it to get my money back because they took all the money out of my account and left with nothing. I was sent back that my request was not approved because I authroized the pay outs and I did not, they stole money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed the accounts below on my Credit report and I did not Authorize any of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: NJ

Complaint narrative:
I noticed the accounts below on my Credit report and I did not Authorize any of them 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
Consumer complaint received 2023-07-18 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: GA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on 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 2023-07-18 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Kay Jewelers Credit CardXXXX XXXX ( Fraudulent Fees and Charges ) I made payments to Kay Jewelers via my banks online banking system. Several payments went through fine no issues. 
XXXXPayment made via online bill pay to Kay. As of XX/XX/XXXX, they do NOT show payment received, charge late fee of {$30.00} Bank verifies that it was sent on XX/XX/XXXX and that the issue was on Kay 's end. I call Kay and get the complete runaround. After calling my bank again, the decision is made to cancel that payment, so that I can make a DIRECT payment via Kay 's website. So the currently lost payment sent on XX/XX/XXXX and a payment that was sent XXXX/XXXX were both cancelled. This same day I paid off this card completely in FULL on the website and closed my account. 

XXXX, I see that Kay has charged me {$71.00} to return the cancelled payments? The payments were never processed as they were cancelled by my bank. My account is paid in full and closed? These exorbitant fees are a fraudulent scam on users of this account. I have contacted XXXX and yet again given the runaround about these ridiculous fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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 noticed the accounts below on my Credit report and I did not Authorize any of them 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A person named XXXX contact me by XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX she like my photo and ask me for use it to do an art project for a client with the cost of XXXX, I will cut XXXX of it for me, she ask my name my bank and my email, also she told me the check need to be nominal me because I should process he for use my image without permission, she send me XXXX check of XXXX dollars and one more of XXXX it was in my email I did the deposit, my bank completed the deposit and I send her part with the total of XXXX, at first was pending and she ask me to call my bank and ask to complete the payment, then my account was closed by the bank and I realize that I was an victim of scammer. My bank send me the bill and denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent Debt Collection and XXXX XXXX credit card-is reporting the same debt that was filed in bankruptcy and it was discharged. They are reporting that the debt is owed. They are reporting the same amount as well as the original creditor on my credit report. I am getting hit with a double negative because both are reporting the same debt. 

When I disputed the debts on my credit reports, all have updated the information as correct when it is incorrect and not valid.

Company response to consumer: Closed with explanation