vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, at approximately XXXXXXXX XXXX  I deposited {$5100.00} at XXXX XXXX XXXX, XXXX, FL XXXX at the Wells Fargo atm. The atm had to take the sum in increments, the first increment went by smoothly, but then the machine started spitting back money at me, which I continued to re-insert into the machine, it then said it couldn't deposit into my savings account so I clicked checking account. The machine kept taking photographs of my money as if it were a check. By the time the machine had taken all of my money, I should have received 4 receipts via email. I received only 2 receipts and my online banking reflected only {$2900.00} in my savings and {$600.00} in my checking. I promptly called my bank. The lady told me she could see a total of {$1200.00} in my checking and {$2900.00} in my savings. She assured me that I would get my {$1000.00} back after an investigation, and she gave me case number XXXX. They then gave me a provisionary credit to my savings account and have now reversed that credit with a letter stating that the investigation concluded that my deposit of {$2900.00} is accurate, this is impossible. I put {$5100.00} into that machine, it recorded {$600.00} two times in my checking for a total of {$1200.00}, and {$2900.00} in my savings account there is {$1000.00} not recorded. I don't know what else to do at this point, but I am sure that no investigation has taken place because the atm would have been {$1000.00} over. The only proof I potentially have is the atm cameras. I am now I'm out XXXX XXXX dollars with no remedy. The letter states I need to keep all receipts until the correct amount is deposited into my account, but I did not receive XXXX of the XXXX transactions via email. Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl 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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I believe I have reported before to XXXX and Chase this matter. I have a monthly charge from XXXX XXXX on XXXX of every month. We, my son and I, do not remember at all what it is. If it is my son 's game, I must have cancelled ; even though I believe he has used only free games. When I filed before, I checked XXXX XXXX. store and subscription, and I found I did not any subscription. Since I wondered again that there was another charge of this company, I tried to check XXXX again ; somehow, I could not get the authorization verification since I did not remember the password. Still, I could not open XXXX subscription site. Therefore, I have decided to check Chase itself and started the dispute. I realize every month the names of merchant type and category were different along with company name ; it called itself XXXX XXXX or just XXXX. It describes itself 'computer programming and design services, ' 'digital gemes, ' 'Cable and paid television services, ' and 'computer software store ' for its merchant type. And it calls itself 'professional services, ' 'entertainment, ' 'bill & utilities, ' and 'shopping ' for category. Since I do not remember what is this charge and company, I can not guess at all what is this company, whether it relates with XXXX XXXX ' and why I have charged this company about {$11.00} for years. I can not say at all how long I was charged, since the record of Chase starts from XXXX of XXXX. I tried to dispute all monthly charges, but I could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, Wells Fargo reported that I have opened a new account with them. The report was made to XXXX and others credit bureaus. I DID NEVER requested for services from Wells Fargo neither personally, online, by phone or by any other means, nor shared any information such as my SSN, birthdate, email, etc. As of today, it appears as I have a debt balance of {$140.00}. I reached an agent by phone on XX/XX/XXXX, and I was told that I do not have an application or account listed on my name, but I am attaching a picture of the existing account reported in the credit bureaus. I do not find an explanation on why the phone rep could not provide accurate information.

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 2023-11-12 00:00:00
Product: Prepaid card — Gift 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:
My parents bought me an American Express gift card of XXXX dollars. I have tried to use this card for both online and physical vendors but it is declined everywhere. The vendors include XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The gift card is useless for me and I should be refunded the money. They also deducted an XXXX charge that never went through. 

American Express gift card doesnt refund any money. 
I tried asking them to provide a list of vendors that take the card, but they didnt. Also its deceptive practice to sell a gift card that can not be used by a majority of reputable vendors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
How am I supposed to pay with a XXXX balance. Change my wording. So I can my appartment waiting all these yea

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I did a double deferment on XX/XX/XXXX since I had went to XXXX XXXX and I am a temp employee I do not get paid. They had an option for me to pay XXXX to do the double deferment. I was then told I would be caught up and would not have to make another payment til XX/XX/XXXX. We'll they never did the double deferment like I was told and slapped another late fee on and more interest. I called again last week and was told oh it's because they didn't take off the late fee. She said she fixed it. It still isn't fixed. This is the XXXX time since I have had this loan this happened. They need to fix this or I will seek legal action. They have hurt me with so much interest already. I need help I am super sick and this stress isn't helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. 


XXXX XXXX : Balance {$15000.00} Last report date : XX/XX/2023 XXXX   XXXX XXXX : Balance {$7000.00} Last report date : XX/XX/20XXXX XXXX   XXXX XXXX : Balance {$10000.00} Last report date : XX/XX/20XXXX XXXX XXXXXXXX XXXX : Balance {$11000.00} Last report date : XX/XX/203 XXXX XXXX XXXX XXXX Balance {$5600.00} Last report date : XX/XX/2023 XXXX  : Balance {$19000.00} Last report date : XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 


15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately. 

Please see my reasons for dispute below : XXXX XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Under 15 US Code 1681e ( b ) & 15 US Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. I DEMAND THIS ACCOUNT BE DELETED. 

XXXX  XXXX XXXX XX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

XXXXXXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting. These are in violation of 15 USC 1681b PLEASE DELETE. 

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purpose of consumer report under the following circumstances and no other, ( 2 ) to accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT AS a consumer I am demanding the deletion of the accounts IMMEDIATELY! 

I demand my social security number and date of birth be removed from being displayed on my credit file for privacy reasons. 


Thank 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 2023-11-12 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I disputed this account in XX/XX/2022 stating that this account was sold, and that CB Indigo/GF continues to report onto my XXXX credit report. The attachments show that the account was sold twice and each time I review my credit report, I continue see CB Indigo/GF continues to report onto my credit report which is a detriment to my credit report. I do not owe this company money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX 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 has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Clasp Group, Inc.
State: VA

Complaint narrative:
My complaint against Stride Launch Servicing for their unjustified loan charge against me. In XXXX I signed an Income Share Agreement ( ISA ) with XXXX  for my XXXX XXXX XXXX XXXX  in XXXX. As per the terms of the contract I was supposed to pay 15 % of my monthly salary as an instalment after my employment for a period of 36 months ( which may be extended up to 48 months ) until I reach the highest cap amount of {$34000.00} if my income is more than {$44000.00} yearly. But if my income is less than the threshold income, I would pay {$0.00} dollar until my income reaches the threshold. The payment would automatically stop when I fulfil either of the conditions such as paying the highest cap or reaching the 48 months, whichever comes first. First two years I didnt have to pay instalments since my income continuously was below the threshold income and my payment was deferred to the next year. Incidentally, my account was transferred to Stride Launching Services ( LS ) in XXXX. Stride LS sent me an email, asking me to open an account and start paying my instalment. Accordingly, I opened an account in their Stride portal and sent them a message, informing them that, since my income is below the income threshold, I am not liable to pay my ISA payment. I sent my tax return documents as proof. In return, they informed me that they may need more evidence or proof of my income such as w2/1099 ( message copy enclosed ). They asked me to submit proof of my wife 's income too as evidence. Accordingly, I started to make regular correspondence with Stride over the phone sending messages to know about my status and asking them about my next course of action ( message copy enclosed ). But surprisingly without giving me any reason, they started charging me a monthly instalment of {$980.00} showing a fictitious yearly income which doesnt reflect in my actual yearly income as per my documents. Denying their claim, I gave a number of reminders to them and requested them to re-evaluate my yearly income ( message copy enclosed ). At one point I was told to submit my all W2/1099 as proof of income for the year XXXX by one of the support team members of Stride LS when I contacted them over the phone. But they kept on pressing me to pay my past due amount of {$3900.00} or my account would be delinquent and will be sent for collection. Time and again I asked them to correct my yearly income statement, but they are neither denying my claim nor they are taking any action to correct the income statement for unknown reasons. It has become a great concern for me and I am feeling helpless. 
enclosed : Attached are the documents of the exchanged messages with Stride

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
On or about XX/XX/2023, I called XXXXoundpoint Mortgage servicing to request a copy of Land Survey done on this property when I obtained this loan. I was charged for this as indicated on my closing disclosure, therefore, I am entailed to this document. Roundpoint Mortgage advised it would be a 7-10 day turn around. Its now been almost 3 weeks with no response.

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 2023-11-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have no knowledge of this inquiry from Bank of America I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Self Financial Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a letter to Self, Inc, advising them that ( 1 ) there were fraudulent charges on my account, ( 2 ) that those fraudulent charges resulted in derogatory information being reported to the Credit Reporting Agencies ( CRAs ) and that I wanted ( 3 ) reversal of those charges, ( 4 ) notification to the CRAs that all payments towards legitimate charges were up to date AND ( 5 ) that I wanted my account permanently closed to avoid future fraudulent activity. ( See Exhibit A of uploaded letter ). On XX/XX/XXXX, Self , Inc. reversed all of the fraudulent charges, and notified the CRAs my balance was always current. I assumed - reasonably in my humble view - that Self, Inc had also acted to permanently close my account to prevent future ask as I requested in writing. ( See Exhibit A in uploaded letter, p.2 ). I did notice what appeared to be some residual balances on what I figured was the old fraudulent charges being reconciled, so I made payments in an abundance of caution. Then, in early XX/XX/XXXX, I was the victim of an unrelated identity theft and ran my credit report. To my absolute horror, I learned that this case was never closed in XX/XX/XXXX. Instead, a new card was issued and used by presumably the same credit thieves whole stole my identity and prompted to run my identity history back in XXXX. They rang up {$1300.00} and didnt pay it - ruining my credit. ( See Exhibit B of uploaded document ) But the horrifying and grossly unfair result of this identity theft is XXXX purportedly delinquent accounts. ( See Exhibit C of uploaded document ) I made NONE of those charges. Please help me get these fraudulent charges and derogatory items I had nothing to do with off of my report. ( Please see Exhibit D of uploaded document - ID theft Affidavit ). I again wrote them summarizing all of this. They completely ignored me. Never even responded.

Company response to consumer: Closed with explanation