vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was at a bar and my Wells Fargo debit card stopped working. It order to pay my bill I asked one of the person at the bar if he could pay the tab and I would XXXX the money to him. The amount was {$150.00}. After I sent the money the person kept on insisting that the money has not been transferred and since then received it two more times. 

I sent him {$450.00} instead of {$150.00}. And the {$300.00} ( $ XXXX ) by the person was extra and I was tricked into paying it to him. I tried to find the person by reaching out to the bar but they did not know him too. Form the XXXX I can not find the number but I have the screen shot of the persons name. 

The {$450.00} taken out of my account were because of a result of the same payment happening 3 times. Out of which only {$150.00} was taken by me. The rest I still havent recovered. 

Wells Fargo have rejected my claim for the transaction when I clearly explained to them I have been tricked into making the same payment 3 times.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: IA

Complaint narrative:
Credit karma closed my spending account without notifying me and I still had money in my account. I used it most of the day and then suddenly it said account closed and I couldn't use my debit card. I reached out via chat ( saved the correspondence ) and was told that some users were experiencing account problems but they would be resolved and that if I had money in my account a check would be sent. I asked when and they didn't know. I waited a few days ( hoping the problem would be resolved ) and chatted again and this time was told they can close accounts whenever they want and I should have received an email as to why. I told them I didn't and they said my money would be transferred to the bank on file or a check would be sent. They would not give me any reason why it was suddenly closed or when I would get my money. I've had this account for over a year. My tax refund also goes to this account so now I'll have to wait even longer because they closed my account and hope they send back my refund to the IRS so they can send me a check. I don't understand why no one can tell me why and why it was so suddenly when I used it that day and cant tell me when ill get my money. Seems like bad business practice to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has blocked my account since XX/XX/XXXX for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/XXXX, neither of which I have received. I called the fraud department multiple times to confirm the letter was sent to my address on file and they refused to confirm whether or not this is the address they sent the letters to. My records show that my address was changed on XX/XX/XXXX, the same day I opened the account, but this is only because the banker who opened my account made an error with my address and had to be changed. So Im guessing the letters are being sent to whatever address the banker initially mistakenly put on my account. OR maybe they sent letters to one of my older addresses on my credit report. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : 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 2024-01-27 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: LEXISNEXIS
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received funds to cash app from an individual and I selected the 3 day option to have these funds transferred and the representatives at cash app have advised me that this action was performed against my wishes and that there is nothing further that they are able to do and i have also shown them the screen shots of where their own app tells me funds are not to be deposited today in an account that I did not select.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Could not I fo from loan from prior servicer to prove loan was paid off early and was not a lost assignment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: WA

Complaint narrative:
The company has contacted me several times over the last 2 yrs. About a year and a half ago I told them that they need to remove my dads and stepmoms cell numbers from their information due to the repeated calls and they dont have anything to do with the situation. Today, XXXX/24, they called both of their numbers again and I called them back and got no answer. They need to quit harassing my parents. My dad did answer the call a couple days ago and told them to stop but the company keeps calling them. I am aware of the debt that is owed but they need to stop calling them. When I called today, I left a voicemail stating for them to stop calling them. The company calls almost every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I have not been able to get a credit report from Transunion. As a result my XXXX XXXX loan was denied. It was also allowing companies to access my credit report without my consent

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 2024-01-27 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:
To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX  This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX  when I made my first complaint to the CFPB about this account Complaint ID XXXX XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

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 2024-01-27 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: DISCOVER BANK
State: OH

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states I have a right to privacy .15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: DISCOVER BANK
State: TN

Complaint narrative:
I had contacted XXXX XXXX XXXX ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XXXX/24. Discover is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XXXX/2024 it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Current credit card with Capital One is not able to be paid due to Capital One internally listing my personal bank account as invalid. Because of this issue, it has become an undue burden to pay outstanding balance on the credit card. 
After getting in touch with Capital One, I was instructed to mail a statement from my personal bank detailing my bank account for Capital One to process and lift the hold ( which would be processed in XXXX business days ). After over XXXX weeks of waiting, this issue has yet to be rectified and we are still unable to pay my outstanding balance. I now run the risk of incurring interest fees or negatively impacting my credit score with no help from Capital One on next steps for resolution.

Given that Capital One has yet to resolve the underlying issue, I am looking for help from the CFPB for appropriate resolution on the matter and to ensure additional customers are not unduly impacted like in my own personal scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank handles my Lowes store credit card account. 
They have sent me the following email which in part, states : " Synchrony XXXX We're following up on recent changes to your Lowe 's Advantage Card agreement. Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. '' First and foremost, if something happens to me ( I'm in my XXXXXXXX XXXX ), my wife does not do email and has no idea how ; therefore she would be stuck with an overdue payment charge. Second, I believe the bank should provide a paper statement for no extra charge as part of their credit card service. If not, then the charge should be actual cost and be below {$1.00}.

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 2024-01-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer 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 2024-01-27 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: MO

Complaint narrative:
Monday through Sunday all experian does is lie ONCE AGAIN EXPERIAN LIED, dispute can not be seen, lie lie lie lie lie lie lie lie lie lie lie lie lie

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 2024-01-27 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer 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 2024-01-27 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: Radius Global Solutions LLC
State: TN

Complaint narrative:
I had contacted Radius Global Solutions ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XX/XX/XXXX. XXXX is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XX/XX/XXXX it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle 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 explanation
Consumer complaint received 2024-01-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief