vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit card was cancelled and closed. On XX/XX/year>, subsequent to the cancellation, XXXX XXXX issued a pending refund to my Wells Fargo debit card ending in XXXX. Upon reaching out to XXXX XXXX regarding the refund, they confirmed that the refund has been processed and is with the card issuer. 

Despite my numerous attempts over the past 4 months to communicate with Wells Fargo about the outstanding balance, I have been unsuccessful in engaging the accounting department to process the refund. Despite contacting Wells Fargo via both phone and email, their response remains consistent : that I should contact XXXX because a refund can not be issued on a cancelled account. However, this assertion is incorrect, and Wells Fargo is unwilling to investigate the matter further to facilitate the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of XXXX I opened Credit Card with Truist bank and received card ending with XXXX. 
Someone stole my credit card information and made purchases on XX/XX/XXXX. There were multiple transactions charged to my credit account ending XXXX. After i saw notification about first transaction that I didnt make or authorize i called Truist bank notifying of fraudulent activity. I was told that the transaction was submitted to investigation and card blocked, however couple minutes later I received another notification that one more transaction that I didnt authorize were posted to my credit card account ending XXXX. After that I called again Truist bank and they closed credit card for investigation and turned off my visibility to credit card account in Banking app therefore I could not see any activity, statements or make any payments associated with that account. 
XXXX XXXX I received letter from Truist that they dont think that those transactions are fraudulent and I am responsible for it along with any fees. Below are transactions in question. 
XXXX XXXX Account number ending in XXXX Total : {$930.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY {$900.00} I followed up with Truist on why that decision was made and was told that I used Credit card. 
Later I was told that Truist accidentally produced two credit cards for my account. However, I never received second credit card ending XXXX. Truist displayed on statement that Credit card ending XXXX was used to make purchases that I didnt authorize and have no relationship with. However I was receiving notifications that it was credit card ending with XXXX, but on XXXX stetment its displayed under account ending XXXX. Truist also changed my credit card account number from XXXX to XXXX that is associated with fraudulent activity for reason that unknown to me. 
Truist doesnt want to recognize the fact that they : 1. Made two cards for my account and mailed to me only one 2. I notified them of fraudulent activity and asked to block credit card, but they did not so second fraudulent transaction went through 3. They changed me with late fees where I could not access my account and see my balances until XX/XX/XXXX, where I am not liable for fees associated with late payment, as I could not make payment. 
4. Truist failed to recognize that i was in XXXX NC when transactions were made in New York

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
there are inquires on my credit report that I did not authorize 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 XXXX XXXX XXXX XXXX. i did not authorize any of these inquires 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 2024-04-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
there are inquires on my credit report that I did not authorize 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 XXXX XXXX XXXX XXXX. i did not authorize any of these inquires and i would like them to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
there are inquires on my credit report that I did not authorize 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 XXXX XXXX XXXX XXXX. i did not authorize any of these inquires 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 explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
, I am writing to inform you of a concerning issue regarding my consumer profile and identity within your system. It has come to my attention that my personal information has been compromised, leading to unauthorized access and modifications to my account.Upon reviewing my consumer profile, I have noticed several discrepancies and inaccuracies that I believe are a result of this identity breach. It is imperative that immediate action is taken to rectify this situation and remove any disputed items from my report.I hereby request that all disputed items, which I can clearly identify as being a consequence of this identity hack, be promptly removed from my consumer profile. Additionally, I request that you provide me with a detailed account of the actions taken to enhance the security measures surrounding my account to prevent any future breaches.Furthermore, I urge you to conduct a thorough investigation into this matter to identify the source of the breach and take appropriate measures to prevent similar incidents from occurring in the future. The security of my personal information is of utmost importance to me, and I trust that you will prioritize this issue accordingly.Please confirm receipt of this letter and provide me with a timeline for when I can expect the resolution of this matter. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution.Thank you for your cooperation.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MOHELA
State: MO

Complaint narrative:
I have several federal student loans through MOHELA that they continue to have an error with that will not allow me to make payments. I have spoken with MOHELA a minimum of four times about this issue. What occurs is I go in and make a payment through their website. The payment is pending for several days and disappears. I have tried re-entering my banking information. The only way to make a payment with them is over the phone. Every time I speak with them, they think they have resolved the issue, only for the next month to come around and I have to go through the same process again. The other issue with the whole process is their insanely long hold times on the phone. I am just trying to pay my students loans, and at this point I have spent no less than 7 hours on the phone with them for just three payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I accumulated a late fee from XX/XX/2023. I paid the late fee in XXXX of XXXX. The company continues too add charges from the late fee and saying it was not paid. Ive faxed supporting documentation and they have not cleared but continue to add. The reps do not take notes of previous calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I received a phone call from an Affirm account specialist regarding fraud on my account. They needed my verification code and a copy of my drivers license to verify my identity. As soon as the phone call was finished, I noticed 2 huge virtual card loans with XXXX XXXX  in an amount totaling nearly {$5000.00} with a 32 % APR taken out on my Affirm account, so the phone call was a scam. I immediately called the real Affirm and reported this and all they have said is that they will investigate it I woke up to find that they have allowed over {$1000.00} of the virtual card to be spent by the scammer so far despite them KNOWING this is fraud and despite the loan not having been processed or authorized yet! I called them again and spoke with a supervisor and they stated that until their investigation is complete that is all they can do. I reported this right away and they are STILL allowing the scammer to spend money on a virtual card on a loan under my name and refusing to do anything about it! I am absolutely horrified that they have not put a stop to this and are allowing this to go on. This company is not protecting me against this fraud and what they are doing is absolutely CRIMINAL. I need something to be done about this right away as they are not helping me at all and are completely unsympathetic and dont care about fraudulent activity happening to their users

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : LVNV FUNDING LLC Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account name : NAVY FCU Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Fraud business loans which were sent by XXXX XXXX to XXXX XXXX XX/XX/XXXX {$570.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1500.00} All of the XXXX XXXX transfers came from my XXXX  checking account XX/XX/XXXX {$5000.00} XXXX XXXX to XXXX Wire Transfers app XXXX XXXX from my XXXX  checking account XX/XX/XXXX {$5000.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$9200.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$9800.00} to XXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX {$5000.00} to XXXX XXXX XXXX XXXX account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: LEXISNEXIS
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CBXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
, I am writing to inform you of a concerning issue regarding my consumer profile and identity within your system. It has come to my attention that my personal information has been compromised, leading to unauthorized access and modifications to my account.Upon reviewing my consumer profile, I have noticed several discrepancies and inaccuracies that I believe are a result of this identity breach. It is imperative that immediate action is taken to rectify this situation and remove any disputed items from my report.I hereby request that all disputed items, which I can clearly identify as being a consequence of this identity hack, be promptly removed from my consumer profile. Additionally, I request that you provide me with a detailed account of the actions taken to enhance the security measures surrounding my account to prevent any future breaches.Furthermore, I urge you to conduct a thorough investigation into this matter to identify the source of the breach and take appropriate measures to prevent similar incidents from occurring in the future. The security of my personal information is of utmost importance to me, and I trust that you will prioritize this issue accordingly.Please confirm receipt of this letter and provide me with a timeline for when I can expect the resolution of this matter. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution.Thank you for your cooperation.Sincerely, 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