vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid 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: TransferWise Ltd
State: IL

Complaint narrative:
Membership Number : XXXX Transaction no. # XXXX XX/XX/XXXX, XXXX issued a refund for order number XXXX in the amount of {$160.00} to XXXX XXXX XXXX 

Well the refund failed, so they issued another one which also failed. 

I disputed it Wise, and wise said XXXX rejected the chargeback request. 

Every time I reach out to XXXX they say they'll talk to their Billing department. Every time I reach out to wise they literally send me the exact same email over and over again. Almost as if they're copying and pasting " The merchant rejected our charge back request.

We're now 3 months in and we've gotten no where with a refund. 13 email conversations I've had 2ith
wise and they just spam the same email over and over and over again. I've already sent them additional contact from the merchant for arbitration ... a month and a half ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I would like to file a complaint about Pentagon Federal Credit Union. I have a credit card with multiple promotional balances on it. Two of these balances are due by XX/XX/XXXX. The third is not due until XX/XX/XXXX. When I make a payment, they apply the payment in parts to all promotional balances, rather than the promotional balance that will expire first. I could find no information anywhere, either on their site or in the documents that came with the card, that explain how these payments are applied. When we called the bank on XX/XX/XXXX to inquire about making sure payments were applied to the correct promotional balance first, they told us that there is no way to apply our payments to the specific balance we want. We must wait for the promotion to expire, and then pay it ALL off the day after in one lump sum. This is an extremely unfair and predatory business practice. I should have the option to pay these balances off by the due date. It feels as though they are attempting to trick their patrons into having to pay interest no matter what and they do not make possible to pay off specific interest before the promotional rate expires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
My Wellsfargo account was closed when the final {$1400.00} stimulus check for XXXX was sent out XXXX of 2021. I NEVER RECEIVED THE CHECK, I WAS HOMELESS, MY ACCOUNT WAS CLOSED, IT IS ALL DOCUMENTED. Wellsfargo refuses to send the check back to the IRS and alert them that my was account was closed, the IRS is now trying to charge me XXXX XXXX XXXX for the stimulus check that Wellsfargo is holding illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX will not answer any questions or provide any debt validation. I have called their collection agency : Loyd McDaniel, in XXXX, KY, to attempt to get information on the debt, and they say the " file is locked, '' and they can not provide any information. The numbers to XXXX XXXX XXXX XXXX either don't work or go to voicemail without a return call. 

This debt was supposed to be settled during the divorce proceedings, and we paid the $ XXXX in a settlement with them. Yet they still claim the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXXXXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe 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 2022-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe 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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are addresses that Im not associated on my credit report and I would like them to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank credit card fraudulent card applied for in my name on XX/XX/2022 by former 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 2022-12-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax website won't allow submission of documents. only after a complaint was submitted has this happened due to their failure to respond to a dispute of XXXX XXXX XXXX that has exceeded well over 90 days which is a violation of FCRA, and company has failed to provide verifiable evidence or provide evidence that this company has not violated FCRA and HIPAA laws. I am submitting documents through XXXX. equifax 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. EQUIFAX is still reporting this collection on my credit report, which is considered to be a collection activity. EQUIFAX is in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/ I want to a Bank of America ATM to deposit cash. The ATM gets broken and didn't return my money, instead it gave me a receipt saying that it cant process the transaction or return the money, that I need to call and a claim. It took {$1000.00} dollars. I used the atm on the side of the one that broke and deposit {$350.00} which went through. A few minutes after I realized that they closed both of my bank accounts. I called customer service and it was closed. I called on XXXX XXXX  and the rep told me to call back later that she cant give me any information about MY ACC. I called again and other rep just told me she would do a claim. I called on XX/XX/XXXX and other rep told me they closed my account and that there wasnt a claim for the atm problem, so the person who I spoke with on the XXXX lied to me. I spent almost 3 hours on the phone and they just transfer me to different department and no one had an answer for my money or a reason on why the accounts are being closed. I called again last week and I asked about my money, the representative told me they have given me a credit for the {$1000.00} dollars and transfer me to risk dept. I asked them if I can go to a branch and withdraw the funds and they told I have to wait after XXXX XXXX  to receive the {$1000.00} plus the money that was on the account. I deposited cash and I do not understand why I have to wait almost 2 months to receive my money. They must have already checked the atm. The atm also showed me that it had counted {$1000.00} but he couldn't return it. Since XX/XX/XXXX the risk department has been very disrespectful with me, when I asked them something they kept quit and didnt answer me, they hung up the phone on me. On XX/XX/XXXX I spoke with XXXX XXXX the manager in Texas for Risk Department and he treated me very bad. I made a claim 2 weeks ago and I received an email on the XXXX from regulatory complaints from Bank Of America saying to call them to verify Im the one making the complaint. I called on the XXXX, they didnt answer and I left a message. They said they would call me within 48hrs and it has been more than 48 hours. I sent them an email on the XXXX and one today XX/XX/XXXX and Im still waiting for an answer. I need my {$1400.00} as soon as possible.

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 2022-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I didnt Consent to these Hard Inquiries on my Report under Title 15 1681a and Title 15 1681 1 ( c ). I wasnt notified nor did I give written consent to these Hard Inquiries. Also, they Do not Match Up with My XXXX or XXXX which is In accurate information. 

Below You Will See the Hard Inquiries From Equifax XXXX. 

Then You will see my XXXX  and XXXX Please Remove the Inaccurate Inquiries and Information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc
State: MN

Complaint narrative:
I been receiving phone calls before XXXX XXXX and after XXXX XXXX of harassment, profane, abusive and vituperative language, threats of jail, prison, violence, and death from Financial Assistance , IncXXXX, Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX for {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I went to the Wells Fargo branch in XXXX on XXXX XXXX XXXX yesterday XX/XX/XXXX. I needed to get a US Treasury Form signed by a banking official per US Treasury instructions. The Form was a Bank Change Request Form FS XXXX that requires bank officials sign and specifically says a notary is not sufficient. Someone at WF signed the original form years ago when I opened the US Treasury acct. The WF employee told me after she researched with her support team that WF does not sign these forms. How can a federally charted bank get away with not signing a federal form to process a bank change with Treasury? I then spent three hours being transferred around WF when I called their customer support, and nobody could even acknowledge that they knew what a FS XXXX was?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following this XXXX lawsuit I have several accounts and items that are inaccurate and misleading that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This is a complaint regarding Bank of America. A new checking account was opened in my name without my permission. I am unsure if this is fraud from another individual using my identity or a bank employee that opened an account without telling me. I contacted Bank of America at their XXXX number, spoke to an employee about the situation. He explained he could not help me, but transferred me to someone who could help. I waited on hold for over XXXX minutes but no one took the call. There is no option to dispute this account online, nor the fees that I am being charged for the account. I would like your assistance in closing the account, refunding the fees I was charged ( due to a XXXX balance in the account ) and investigating if Bank of America had a role in this fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Company response to consumer: Closed with explanation