vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
According to a rep with XXXX XXXX, XXXX, remaining funds in XXXX account ending in XXXX sent to Wells Fargo in the amount of {$140.00} as part of a fraud claim. XXXX stated, as per instructions from Wells Fargo, any remaining funds to be sent to Wells Fargo as part of fraud claim..I reached out to a XXXX XXXX, manager with Wells Fargo executive office in re , he stated check from XXXX in that amount was rejected back, never cashed, Wells Fargo does not accept partial payments.. The fraud claim amount is {$690.00}, {$140.00} does not cover claim, rejected back to XXXX. I attempted to resolve issue with XXXX, advised him I had spoken with XXXX and was advised of the above, he claims Wells Fargo needs to change their instructions regarding fraud claim to allow funds sent to myself. .A prior CFPB complaint was filed in re against Wells Fargo XXXX rep replying on their behalf refused to take action. Most recently, I attempted to reach back out to XXXX XXXX, messages left, none returned. However, XXXX can be reached at XXXX, should Wells Fargo have questions. Complaints marked as duplicate which are not will be resubmitted here and other agencies

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo claims I owe {$190.00} from account number XXXX, a closed checking account. This amount includes two funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, a debit card dispute from merchant by name of XXXX. The item ordered from XXXX, a mens t-shirt, was not received. It was sent via XXXX with a forged signature, XXXX driver has a habit of forging signatures, leaving packages where they can be lost/stolen. Previously, driver signed a package as " XXXX XXXX '', no one by initial M lives at my address, in fact, I live alone.. Due to complaint filed in re, driver chose to sign package as " XXXX XXXX '' this time. This was explained in prior CFPB complaints in re, Wells Fargo chose to ignore this information, refer me to account recovery dept for payment on account in which case, I do not pay for items no received nor will I ever..

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Is in vio

lation of my Cease and Desist. I do not have any agreements with Capital One that allow the collection of any debt from me. They have been on reporting negative information on my consumer file. that is still communication any medium. i asked Capital one to correct the billing info and to comply with the Cease and desist. What do i owe? how much is
the alleged debt? who is the alleged debt owed to? who is the alleged debt to be payed to? so that i can Pay any alleged debt that i owe. Please send me documentary evidence. i will pay any alleged debt that is lawfully owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX # XXXX, has violated my rights, XXXX XXXX XXXXXXXX # XXXX, has violated my rights, DEPT OF EDUCATION/XXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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

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 2022-05-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number # # # # # # XXXX, XXXX XXXX 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

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American First Finance, Inc.
State: FL

Complaint narrative:
In response to many complaints that I have submitted against American First Finance. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I've sent American First Finance a cease and desist via the CFPB and certified mail.

It is ordered to American First Finance to cease communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

So why is American First Finance still communicating with me by furnishing an account to my consumer report?

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books.

I'm aware that collection activity is American First Finance furnishing this alleged debt to my credit report to coerce me into paying this debt. 

I have not received a 1099 for this and im aware that American First Finance is furnishing their adjusted gross income on my credit report because they wrote this debt off.

Im also aware that American First Finance is furnishing false and misleading information on my credit report because of their actions.

So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.

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 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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

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 2022-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX XXXX XXXX, has violated my rights, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I am contacting you about money that I lost from a Vanilla eRewards Visa giftcard. In XXXX I was issued 2 gift cards by my apartment complex through Vanilla eRewards as a signing bonus for my lease. Each gift card was {$1000.00}. 

I used these gift cards to pay for a travel package through a company called XXXX. Due COVID19 the trip was canceled and the money was refunded to the gift cards past the gift cards expiration date. 

Because the links that were given to me to access the gift cards were no longer valid ( past expiration ), for the last year I havent been able to access the credit card numbers and security codes to try to track down the money through your phone service. I finally found a screen shot of one of the gift cards and I tried the 16-digit card number on the credit card company 's phone service and it says the card doesnt exist because it is expired. 

I have also tried to work with XXXX to locate the money, and I havent been able to do so. I have attached email exchanges with XXXX XXXX who shared documents with me showing that they did refund the money to those cards. And below you will find all of the card information that I was able to locate for BOTH cards. 

CARD 1 INFORMATION : Card Number : XXXX Expiration Date : XX/XX/XXXX Security Code : XXXX CARD 2 INFORMATION : First 6 Digits : XXXX Last 4 DigitsXXXX Expiration Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. TRANSUNION AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " transunion interactive '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''

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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined XXXX for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND EQUIFAX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was told if I bought {$110.00} of bitcoins thru Cashapp I would get $ XXXX I realize now it was a scam. I believe the scammers work for Cashapp. I received fake emails from the scammers pretending to be from Cashapp. 
This is one of the emails sent below Transfer On Hold Transfer Current Percentage Done : 60 % Transfer On Hold. 
Dear customer, Your cashapp daily limit can't receive this money please Kindly upgrade your account with {$110.00} into ( $ XXXX ) as the vouchers to upgrade your cashapp limit and get your paymentWARNING! This payment can't be cancel or rejected just make sure you follow all the procedures and you can text back on this email if you want to contact us. 
THANK YOU Upgrade fee. {$110.00} $ XXXX Sent from email XXXX The receiver of funds and person sending emails is listed below Amount Identifier TO From {$5000.00} # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXX XXXX  ( ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ( ACCOUNT # 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 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I open an account with bank America and closed the account the same year but on there they had reported it as fraud act which never happen. Yes I owed funds but never any fraudulent act in which is being reported on my credit file and isnt allowing me to get a bank account or business account for my company. Ive paid off the amount old as I have a receipt from the bank when I went to pay the balance. But Im still getting reports that there is a fraud being showing to other bank, I would like to please remove that as Im getting frustrated and would be taking legal actions if this dont get taken care of by end of month.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: RI

Complaint narrative:
I contacted XXXX at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to Zwicker and associates in XXXX, MA to handle. I received an email from XXXX that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXXXXXX XXXX ( ACCOUNT # 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