vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I fell victim to an investment scam by a company named XXXX XXXX between the period of XX/XX/XXXX to XXXX XXXX company seemed very legit.There was customer support to answer any question or concerns and also an email address where confirmation of my money being sent via XXXX was confirmed .Upon agreeing to this investment, I was also given contacts to sign for verification purposes.The transfer amounts of {$54000.00} were made via my Wells Fargo Account.I have sent two emails to Wells Fargo regarding this devastating issue and they have been of no help.They said that once the money leave my account, it can not be reversed.They have also said that the money is untraceable and is not willing to help me in anyway whatsoever. 
Please, also refer to the attached letter for more details.

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 2024-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I was never contacted by AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They put a collections notice on all of my credit accounts. XXXX and XXXX removed it immediately as it is not my debt. XXXX did not remove it even though the debt address is a location I have never lived or am associated with. 

The " confirmation '' of the debt came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with TransUnion & XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with XXXX XXXX XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account CAINE & WEINER XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$110.00}. I have made payments. I am not disputing that some payments have been late. I'm disputing that I've been charged {$350.00} in fees since that purchase. With the payments I've made, I've actually paid {$390.00} since the date of this purchase in fees. This is exorbitant and unfair business practices. If I had that kind of money, I wouldn't need the card in the first place. I was able to get XXXX fees waived on XX/XX/XXXX totaling {$82.00}.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
According to the Internal Revenue Service an unpaid chargeoff is income and according to the FCRA income should not be reported on my credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the charge off account listed below ACCOUNT NAME : OPP/LOANS ACCOUNT NUMBER : XXXX After checking my most current report the updated information stated that the account was purchased by a third party lender. This account can not be reported as a charge-off on my credit report if it vwas sold to another lender. Please send me the 1099-C form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
XXXX, the debit they claim I owe is from XXXX years ago. I return the box. 
bring life back to the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I bought couple of Amex XXXX XXXX from online marketplaces which has CVV and expiry date and balance dollar values. I clicked the amex link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this many websites which accepts Amex cards And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards since it has loaded actual cash value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On going issue with Wells- Fargo , creditor has reported a missed payment to my Credit File for XXXXXXXX XXXX XXXX 

This originates from me allegedly inputing incorrect bank account information into their system that resulted in a reported missed payment. 

This is not true, I received confirmation from a Wells-Fargo Act associate that multiple customers were having similar issues regarding this matter following Wells-Fargo either updating or changing their systems.

Customer service associate promised removal of this reported late payment, Wells-Fargo has repeatedly failed to respond to Letter, E-Mails and complaints regarding this matter.

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 2024-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account for XXXX XXXX is closed without any reason on XXXXXXXX XXXX XXXXXX/XX/year> without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: NY

Complaint narrative:
On XX/XX/XXXX I got charged three overdraft fees for transactions that were done on XX/XX/XXXX. This Bank gives you XXXX hours but notifies you at XXXX XXXX  and gives you to XXXX XXXX  that same day. They claim that this is XXXX hours. I do have overdraft protection. Reason I have overdrive protection is for when I really need to use it. I have not gotten no overdraft fees in a while now. All of a sudden Wells Fargo wants to start with the overdraft. I feel like the bank is very unfair cuz the ATMs do not work. I went to the bank to go deposit on XX/XX/XXXX before XXXX XXXX and the ATM did not accept cash deposits. This is the ongoing thing with this XXXX. I have reported it to Wells Fargo that have done nothing to fix the problem. I feel like if they give me to XXXX XXXX  they should have the ATMs working correctly like that people could be able to make the deposits. If I went ahead went to the next branch it wouldn't have been like XXXX and I still will get charged the overdraft fees like I did. I have spoken to Wells Fargo 's numerous of times about these overdraft and the abuse that they have that they should cut down the fees and stuff like that they don't care. I feel like Wells Fargo 's just wants to keep charging and charging and charging. Why can't that be like other financial institutions that worth with you?

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 2024-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Synchrony Bank because I was trying to access my account online as I do every month to keep track. We opened a credit line for {$5500.00} to buy a piece of equipment for the house. The account was opened XX/XX/XXXX. 

I was not able to access all the information online and it said I had to call the company I called and asked the representative who assisted me why I couldn't check my account online. 

She stated the account had been closed. I asked what happened because we have been making automatic payments on time every month and there is no reason for the account to be closed. 

The representative stated that based on information they received from XXXX, they decided to close the account. This makes no sense to me because 1- i am not applying for new credit with them 2- I am not late on my payments in this account XXXX They are not authorized to check my credit if I am not applying for new credit with them As of today, This account is showing in the credit bureau as closed with a balance.

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 2024-04-21 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: TN

Complaint narrative:
I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX  XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-21 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: TN

Complaint narrative:
I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX, XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Exsperian credit reporting company name is XXXX corporate fetti webbank iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years agoXXXX The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies

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 2024-04-21 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: TN

Complaint narrative:
I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX, XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-21 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: GA

Complaint narrative:
I contacted Experian multiple times and spoken with the supervisor about my issue and all they said that it were verified. So I sent them a certified letter requesting immediately validation of proof with signed documents. And a letter requesting proof of validation within 15 day 's are else removed the bankruptcy account from their file. The law states that everything that gets reported have to a 100 % accurate. My question is how XXXX, XXXX, XXXX, did a investigation and removed the inaccurate bankruptcy information from their credit file, But Experian continue to report the inaccurate information without sending are showing proof of validation. it's time for actions now. Legal action need to take place.

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 2024-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got a bunch of miscellaneous fees for XXXX synchrony bank secured credit card and got overcharged multiple times random unexplained interests and fees within the month of XXXX and was charged twice for a payment i made and my card balance is negative even though that is unaccurate as I had paid off my full balance as of XX/XX/year>, and I have statements to prove 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 monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
i got a message on XX/XX/24 from my job XXXX that a court order directed them to take 25 % of my income. i was never contacted by anyone previously. last year in XXXX i contacted the company to set up a payment plan but they refused demanding full payment. Now they say XXXX dollars however the original amount was only XXXX dollars. there is no documentation about this charges. I contacted my work and they said they could not give me copy of court order only the garnishee could. i contacted the garnisher 3 times on XX/XX/24 and they refused to give me any information about the court or court order. they refused to set up a payment plan. they did not do anything but put me on hold.

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 2024-04-21 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2024 pay pal credit took XXXX from my bank account i had automatic payment set up for XXXX dollars i called and complained they on XX/XX/2024 I received and email saying it was there error and they will reverse the payment on XX/XX/2024 they charged my account XXXX but have not returned my XXXX dollars I called pay pal credit they said they will put in for a check to be mailed to me still have not received the check

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 2024-04-21 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : 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 2024-04-21 00:00:00
Product: Credit 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: MD

Complaint narrative:
Evidently, Chase sold my " bad debt '' to a law firm who is now bugging me to pay two charges which I disputed in XXXX because the merchant never intended and did not provide me the goods and services they agreed to. Someone on XXXX commented that Chase pays a huge amount of fines for breaking the law. I decided to research that and found endless articles about fines the CFPB and the SEC issued to Chase for illegal activities. Two I found are at : XXXX XXXX XXXXXXXX ; CFPB Orders Chase and JPMorgan Chase to Pay {$300.00} XXXX Refund for Illegal Credit Card Practices, XX/XX/XXXX and XXXX XXXX XXXXXXXX ; CFPB, XXXX States and XXXX Take Action Against JPMorgan Chase for Selling Bad Credit Card Debt and XXXXSigning Court Documents, XX/XX/XXXX. I wanted to inform the CFPB that Chase is still at it. Evidently, Chase doesn't mind paying the fines with all the money it makes off its customers illegally. So far, I have had two rounds with the collecting law firm and they are no better at providing me proof that I owe the two charges in question than Chase. I am prepared to go to court which I figure is the next step. I have documentation supporting my case that is over a foot high. I also have Chase 's reputation and proof of law-breaking practices to use in my favor. I have attached a report I prepared on Chase illegal credit card practices that I have experienced these past two years that fall into the two categories above. I have sent Chase documentation supporting my case MANY times ; they just ignored it. But I can provide it to the CFPB if needed. Judging from what I experienced, the bad reports about Chase in the BBB records, the blog " Chase XXXX, '' comments on a Chase add on XXXX, it looks like it is time to have Chase clean house again and pay its customers all the money they cheated from them. JP Morgan continues to be a bunch of mafia crooks who cheat their customers. At first I felt persecuted and victimized by Chase because I was treated like a criminal. Now I understand who really is the criminal here. I hope to god that consumers out there find out that Chase is a bunch of capitalistic frauds before they have to endure what I have the past 2 years. No need to send this to Chase. The Executive Office will only make up a bunch of stuff to get out of dealing with the real issue -- they they lie and cheat their customers, including me.

Company response to consumer: Closed with explanation