vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've called XXXX spoke to a customer rep XXXX on XX/XX/XXXX regarding a refund of {$1200.00} sent from XXXX credit card XXXX with trace # XXXX on XX/XX/XXXX to BMO Harris Bank XXXX no one called me back after XXXX hours, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the reps XXXX XXXX XXXX and another lady ( forgot to ask her name ) told me that they did not know what to do and hanged phone call on me. 
I called again on XX/XX/XXXX with a conference call with XXXX credit card XXXX XXXX, was able to reach out to XXXX at XXXX ; however, XXXX said that she's unable to allocate the refund of {$1200.00} and that she would have to spend anotehr XXXX hours to reach. 
I would like to reqeust BMO Harris Bank to locate the refunds of {$1200.00} via their master car bill processor and adjust the 4 % bank transfer fees of $ original amount of {$2400.00} to XXXX, which is {$49.00} fee adjustment back to my credit card ASAP.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
for the last 2 months, I have disputed a {$3500.00} balance via Equifax XXXX XXXX XXXX. XXXX bank, The XXXX account should report a {$0.00} balance. XXXX, " We have reported a {$0.00} balance to Equifax, on XX/XX/2023. '' Equifax continues to report {$3.00}, XXXX as an outstanding balance. Which is reducing and destroying my credit score. I have called and filed a dispute for the last 2 months and no change. 

I am asking that CFPB to hold Equifax accountable and make Equifax remove all outstanding balances that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have voluntarily surrendered this vehicle to Mercedes Benz Finance back in 2017, Account was closed after that and remaining balance was written off Nevertheless, erroneously Mercedes Benz Finance shows that vehicle was repossessed, that information is WRONG and needs to be rectified. 'Car was dropped off voluntarily by me at Mercedes Benz of XXXX XXXX XXXX in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
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. 
XXXX  Account # 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 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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i am apart of the wells fargo banking complains, they closed my account before a had a chance to pay the fees they were charging me and didn't know till now that it was wrong on their part. the fees came for not having a money in the account although i had money in 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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have received on my credit report, Sequium Asset Solutions, has charged me {$950.00} for an XXXX XXXX XXXX bill. I have contacted XXXX XXXX XXXX  and they can not pull anything up when I have given them my information. I have looked online and the company is a scam and they have done this various times. I am disputing the charge from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This incident happened within the last few months of XXXX. Ive received somewhat a big direct deposit from getting payed from work and the about was probably around {$900.00} or so. Throughout my time making purchases my bank history was taking out money as I was being charged for these things I was charging but said pending which was totally normal. I didnt put much mind to it since it always does that and throughout that time of not putting much thought to it I was able to take out money from the Wells Fargo ATM and it still showed on the receipt that I had money left. For some reason I checked my account and all of my transactions were approved on one same day and left my account on negative. Now the issue is why let me take out money from the ATM and send a receipt that shows I still have money left but then leave my account in negative. It really doesnt make sense as to why all my pending transactions were approved within the day I made a purchase leaving my whole account on negative. Thankfully I wasnt charged over fees since at that time they were still doing the get pay early through direct deposit. If this wasnt a thing, they probably wouldve over drafted me a couple hundreds more. Due to this incident I no longer trust having my money in this bank and will probably switch banks. This is absurd and is definitely an inconvenience.

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 2023-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to you as a customer of both XXXX and Capital One, to ask for your assistance in resolving a problem. My wife and I naively transferred {$50000.00} from a Capital One account in my name to a XXXX account in her name. It was flagged as fraud ( third party transfer ), and our nightmare began. The funds are being held by XXXX, and both banks seem to agree that there is no fraud. The way we set up our new XXXX account ( in one name only ) was clearly our error. In retrospect, we should have opened it as a joint account. 

After two months of back-and-forth between the banks, we are still unable to get access to our {$50000.00}. I am seeking your assistance in helping us navigate this process so our family can get access to our funds. Attached please find the background of the calls and actions we have taken to date to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I was hospitalized on Monday XX/XX/2023 at XXXX until around XXXX on Monday XX/XX/2023. When I arrived home after being released from the hospital I realized my cell phone and wallet, which had my Chime debit card inside had been stolen while I was in the hospital. I immediately called Chime Customer Service to report my Chime debit card stolen and the representative deactivated the card and assisted me with filing a dispute for all of the unauthorized transactions that were made using my Chime debit card while I was hospitalized. I received an email from Chime XX/XX/2023 stating that a decision on my dispute claim had been made and that it was declined and I would not be refunded the money that was taken from me by the unauthorized transactions made on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to dispute an inaccurate account with TransUnion several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! 

P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report.

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 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
The company was informed several times to remove this number from their system because it's an automated call that just fills up the voicemail. I requested them to remove the number they refused cursed at me and hung up. Refused to let me speak to management. I don't want further automated calls from this company. I asked on XX/XX/XXXX to be Removed from their call system to stop calling. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent your company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the 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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo, {$80.00}, On XX/XX/XXXX the autopay on my XXXX Credit Card was turned off. I have had this card for eight years and have always had autopay on. I only found out that it was turned off upon seeing two financial charges on my credit card statement for a total of {$80.00}. Upon reaching out to Wells Fargo they Told me that I was the one that turned it off and said that they could not help me. When I asked them for information on the device that was used and the location they told me they could not give me this information. Because of this missed payment my credit score could be effected.

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 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Bought my home at XXXX XXXXXXXX XXXX  XXXX XXXX NV XXXX in XXXX Financed by XXXX XXXX XXXX of New York. 
In XXXX I had a rep from Wachovia   come over to offer a refinance, I did not except the offer the tried to give me an adjustable loan. I said only a fixed loan with my insurance would do. He said he would be back with the changes, I never saw the Wachovia rep again. 
About 30 days later I received a check for {$50000.00} dollars, I contacted a real estate attorney and said I didn't accept the offer he said to contact Wells Fargo, They had no information, about 30 days later I received my title to my home, a 1st and 2nd title from XXXX XXXX XXXX they said they had no information on who the title was to be sent to so they sent it to me thanking me for paying off the loan and having a on time payment history and to put the titles in a safe place. I also filed a warranty deed. 
Wells Fargo called and said they want my home but have know documents or information on my home. 
My attorney said my home was mine that the banks where having a feeding frenzy and gave me a gift. 
At this time Wells Fargo, Wachovia and an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that's when Wells Fargo took over Wachovia mortgage as well as Wachovia had lost most titles, In XXXX a lady cam to my door and said she bought my home in a auction. 
I told the lady I have all my titles to my home. I went to the recorder 's office to pull the paper work and the documents Wells Fargo filed to steal my home were blank documents stamped by a notary by the name XXXX you. Wells Fargo also produced a manuscript explaining to their reps on how to steal homes. I have all my documents and every paper on my home. I want {$750000.00} dollars for the crime they committed all the money I paid all the marble work in all 3 bathrooms and all the pain and suffering they caused my family, and at {$750000.00} dollars they still made XXXX  on my home. Thank you for your concern

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Account name : # XXXX XXXX XXXX XXXX  {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX XXXX XX/XX/XXXX Account name : # XXXXXXXX XXXX XXXXXX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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 an 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 or 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 2023-02-02 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: ERC
State: CA

Complaint narrative:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX CAPITAL ONE Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX  CAPITAL ONE XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Notice To Cease and Desist This is a notification in writing to inform TransUnion to cease and desist all defaming I am XXXX XXXX XXXX XXXX XXXX XXXX veteran, I recently completed my XXXX XXXX. I am not only a veteran I am a 100 % Permanent & Totally XXXX Veteran and I have spent my life building a positive reputation in my travel across the world representing our country. Nevertheless, whether knowingly or unknowingly you have been spreading information that is damaging to my personal and professional character. 

Under the law, it is unlawful for a person to make statements that intend to harm a persons reputation without factual evidence or based on hearsay. 

The Defamatory information being published include, but is not limited to, derogatory information in the following accounts found Accounts with Adverse Information : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I am a XXXX vet and I have a hard time maneuvering in this world physically and mentally due to my injuries. Your reports are carrying my injury luck over to my reputation. I am unable to obtain adequate housing or transportation. The reports have led to higher interest rates and payments. This strained my family and led to my divorce because of the financial burden. Now my children must grow up in a broken home. 

If you do not cease reporting all adverse information related to these accounts a deformation of character lawsuit will be commenced against you. 

In addition, this shall serve as a pre-suit letter demanding that you provide us written assurance within 30 days that you will cease and desist from reporting further adverse information. 

If you do not comply with this cease-and-desist letter within the aforementioned period then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies for your defamation.

Send all correspondences through the CFPB Consumer Financial Protection Bureau.

This Crease and Desist notification shall be complete upon receipt.

I am a child of the Most High, called XXXX XXXX, I do not have legal representation. 

Sincerely, 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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have an account reporting to my Transunion Account that I do not recognize nor did I give permission for this account to be reported to my consumer report. This is the second notice that I have given to Transunion about the unauthorized reporting of XXXX XXXX XXXX to my consumer report. Under the law 15 USC Code 1681B Transunion is not allowed to report anything to my consumer report with my consent. I have not to date given Transunion or XXXX XXXX XXXX any verbal consent or written consent to report this account to my consumer report. As a violation I am filing my second report about this to the CFPB as well as to the XXXX with legal action to follow for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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