vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Hello, on XX/XX/2018 I was involved in what I now know was a scam through the use of XXXX. The indidvidual who scammed me used the name XXXX XXXX, email XXXX and the phone number +XXXX ( XXXX ) XXXX. I was under the impression that XXXX was secure and would protect me since it was directly through my bank Wells Fargo. I sent {$200.00} for concert tickets and never received them. I even talked on the phone with the guy and he sent me pictures of his purchase of the tickets so I could verify authenticity. I called Wells Fargo 30 minutes after transferring the money, explained my situation, asked to cancel the transfer and they said there isn't much they can do but they would try to dispute it, however I have not been told anything. Please help! These people XXXX and XXXX needs to disclose that they are not like a XXXX at all!!!!

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 2018-05-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax asking for validation of debts on my credit report. They received my request XX/XX/XXXX and I gave them enough time to do an investigation, but they never responded back.

I sent a second letter on XX/XX/XXXX asking for details, such as how they are verifying the debt, who is in charge of my account and what documents they may have used to verify any of the debts listed on my credit report. I also asked if they could not validate the debt, then they are required under law to promptly delete the information. They received this request on XX/XX/XXXX, but did not respond within or after the 30 days of the return receipt.

I sent a third letter on XX/XX/XXXX asking for the removal of all the derogatory items on my credit report as they did not follow validation of debt procedure and failed to respond twice. I did not ask for validation, but rather the deletion of all derogatory information that was disputed.They received my letter on XX/XX/XXXX and I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently received a notice from Capital One that my account was closed due to inactivity. I didn't receive any prior warning that this was going to happen. I called to reopen my account since it is my oldest revolving account. I've had the card for at least 10 years. The customer service representatives was nice about it but refused to reopen the account due to company policy. I asked to speak to a manager and received the same response. The only option they could give me was to apply for a new account which would reset the age of my account and impact my credit score. This was my oldest line of credit. I've never had a late payment over the life of the account. In fact, this account is the main thing I used to build my credit. I understand that they have the right to close an account at any time but I find it hard to believe that the company would be this inflexible regarding reopening the account. Due to this inflexibility, they have damaged my credit score and lost a customer. At this point, I just want others to know that they should avoid their services as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : ONEMAIN Inquiry Date XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: GA

Complaint narrative:
XX/XX/2018 I applied for a {$12000.00} loan through Lending Club. On XX/XX/2018 I received a disbursement in the amount of {$11000.00}. Come to find out they have an origination fee of 6 % of the loan amount they deducted from my disbursement. That comes to a fee of {$720.00}. It wasn't until I received the disbursement that I learned of this fee. I am sure they have this spelled out on their website, but there was no notification of this fee when I applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-05-10 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: IL

Complaint narrative:
Contacted XXXX XXXX XXXX Regarding a Charge off on my credit report and ask to pay the balance owed to update my report but they denied me an opportunity to pay because they charged off the account and sent me a 1099.

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 2018-05-10 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: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EQUIFAX to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '', " XXXX XXXX '' " XXXX XXXX   XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know.

Reporting Accounts : 1 ) XXXX  XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 2 ) XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 3 ) XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Thank you for your assistance in resolving this matter. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: Bliksum, LLC
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX  Inquiry Date XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank lowered the credit limit on my Walmart Credit Card by {$2800.00} for no reason and without notice. This makes it appear that I am using a higher percentage of the available credit and lowers my credit score and FICO score. One of the reasons cited is that the accounts listed on the report have balance and the balances are too high. The reason that the balance appears to high is banks lower the credit limit making appear that I am using a higher percentage of the credit limit and Synchrony has not provided any notice or statement on the credit report that they reduced the credit limit. I would like for them to explain what this accomplishes and what the objective is by lower my credit limit. When I called to discuss the robotic representative just read me a letter that they claim was sent but never received by me. When I asked if there was an appeals or review process I never received an answer and the representative just hung up the phone.

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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On/aboout XX/XX/XXXX, I requested a balance increase on one of my credit cards with XXXX XXXX. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/XXXX, I received a reply denying my credit limit increase based on information Equifax provided to XXXX XXXX ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to Equifax 's website and requested a copy of my credit report which does not reflect the information they provided to XXXX XXXX ( see attached ). I then paid for a copy of my credit score with Equifax, which Equifax should! refund me, and my score is XXXX ( see attached ). Thus, Equifax has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had Equifax not provided inaccurate and derogatory information. I am including XXXX XXXX on this complaint so that XXXX XXXX is aware that Equifax is providing inaccurate and incorrect derogatory information about consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: GA

Complaint narrative:
Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at XXXX and Transunion and needs 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 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A couple months ago I signed up for the Amex Premier Rewards Gold card with an offer for XXXX after spending {$2000.00}. I met the spend and the points were awarded in pending status. There was a return on one of the purchases and the bonus was taken away which I understand since I had not met the spend. 

Eventually I met the spend again, received confirmation ( see attached email from Amex ), and the points were awarded. A few days ago I wanted to transfer the XXXX points that I currently have and I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I chatted with customer service and I was told that I needed to wait until the review was over to have access to my points again. I also called the Membership Rewards department and the person confirmed that my account was in good standing but my points were subject to this review and it could take up to 8 weeks for Amex to unfreeze them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint today to have my credit restored and to inform CFPB about this companies misconduct. I had a Wells Fargo Account ref # XXXX. The account has been closed and Wells Fargo is attempting to pursue collection activities by updating the balance every month on a debt that is past the statute of limitations. This misconduct had damaged my credit more than legally permissible which is a violation of FCRA. Attached to this complaint is a copy of small claims suit I filled up and readied to be filed if the issue will not be resolved with CFPB 's intervention.

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I no longer work for a company and they are calling repeatedly. It is a business phone not a private phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EXPERIAN to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX  Opened : XX/XX/2015 Experian Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 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 2018-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-05-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-05-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : .XXXX Inquiry Date XX/XX/XXXX XXXX   Inquiry Date XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CURO MANAGEMENT, LLC Inquiry Date XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I recently pulled my credit report and noticed inquiries that I didn't authorize

Company response to consumer: Closed with explanation