vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I opened a checking and savings account at Wells Fargo Bank, using my XXXX Passport, transferring the funds I had in another American financial institution. This year, in XXXX, I received a letter from the bank requiring me to close my bank accounts since I did not have an American address to provide. Well, I have been following all the orientations from the bank, including filling up The Account Closure Request Form, with my signature duly notarized and apostilled, as requested, and with all necessary orientation for the bank to make the domestic wire transfer to my new account I had to open in another American bank. This form was received by Wells Fargo Bank on XX/XX/2022, around XXXX, according to the courier tracking document. Well, I have tried all possible ways on my hands to ask the bank to conclude this domestic wire transfer, such as uncountable phone calls, emails, but for an unknown reason the bank does not proceed with this simple transfer, blocking the money that belongs to me. Despite all this situation described above, I still have been receiving letters from the bank, telling me that I have to close my accounts. I really do not know what else I can do to finish this simple case. Apparently, the bank refuses to make this DOMESTIC wire transfer. Please HELP. I need to use my money, but the bank is keeping it, and, worse, it does not give me any deadline to solve this simple and everyday issue. It seems to be almost an illegal proceeding, since I am the owner of the funds, not Wells Fargo. 
I thank you in advance for your attention and support. 
Regards,

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 2022-07-06 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: GA

Complaint narrative:
Unauthorized inquiries by XXXX XXXXXXXX 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 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KAY JEWELERS XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Sectio

n 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ally Financial, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.

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 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have been advised I need to close my account as I am a non US resident I have spent a lot of time and money calling Wells Fargo several times to close my account. I have now taken most of my money out at an ATM and did not have time to go into the bank and spend more time closing the account. The customer service team are no help what so ever XXXX weeks later I am still waiting on my account being closed and I will not be paying a monthly fee for their negligence and incompetence I can not find an email address to send a complaint and I am not spending more wasted time and money calling them again to be ignored I am disgusted at such unacceptable customer service

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 2022-07-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not familiar with this account RESURGENT/LVNV FUNDING XXXX never received any proof that this account belongs to me. 

Please provide documentation that the following account RESURGENT/LVNV FUNDING XXXX belongs on my credit report and my rights have not been abrogated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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 an 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 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hello Kia Motors Finance is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks

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 2022-07-06 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: IL

Complaint narrative:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to a third party. 

These are clear violations of my federally protected consumer rights.

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 2022-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a XXXX XXXX XXXX  credit card with Bank of America on XX/XX/2022, and bank of america made a decision to close this account on XX/XX/2022. I only used this card for XXXX weeks, and I was charged for the annual fee {$550.00} on XX/XX/2022. 

Spoke with multiple " managers '' at BOA, and none of those people are willing to solve the issue and provide the refund. Please note it is BOA that closes my account and is responsible for doing pro-rata cancellation. 

How is it possible that a bank approves my application, charges me {$550.00}, suddenly closes my account, and doesn't provide any refund? 

That is called Robbery. Otherwise all banks can just learn from Bank of America, get credit card applications approved, charge the full annual fees and then close the accounts. This is the easier way to make money, isn't 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 2022-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello XXXX XXXX XXXX is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks

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 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX & XXXX purchased a debt from Synchrony Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.

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 2022-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I bought a piano back in XX/XX/XXXX for a total amount of {$2800.00} ( including taxes ), financed through Synchrony Bank for a total amount of {$2800.00} at an interest rate of 22.99 %, but will interest can be waived if paid in full within a year. I officially setup my account on XX/XX/XXXX when I received the mail about my mail account, and I used the automatic payment calculator to calculate my payoff amount if I want it to be paid in full within 12 months starting 1st payment on XX/XX/XXXX. It came out to be {$270.00}. Recently, I've noticed that the bank is still charging me money after 1 year so I called the bank. Their representative claimed that I didn't pay off my account within a year that there was a {$20.00} late fee posted on my account on XX/XX/XXXX which I had no idea about. I setup my account on XXXX using their calculator thinking it would take care of everything for me. But instead now I'm out of pocket for {$530.00} for a late charge which I was never made aware of. I never got any email ever since I've setup my account on the XXXX. The representative claimed that they sent me several mail, which I never received. I live in an apartment complex and mails often get lost. So their only means of communicating with me was through mail. I never received a text, a phone nor a email regarding to this late charge. I feel like they conned me out of {$500.00} for a late fee that I was never aware of. They claimed that I should've read my contract and contact them about setting up the account while I was under the assumption that the setup email was on the way to me the whole time, which was the reason why I've missed the first payment, but their automatic payment calculator never took that into consideration when I setup my account on XXXX. And they are penalizing me for their system problem.

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 2022-07-06 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 with the Fair Credit Reporting act XXXX account number 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 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-07-06 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I keep on sending request that this account has in fact late in making my payment last XX/XX/2020, because I never remember I paid late. I tried to contact the bureaus and the company so many times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of nine days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

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