vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been charged {$140.00} in overdraft fees because of fraud on my account. My bank has taken way too long to clear this up and CONTINUES to allow this merchant to take money out my account. In XXXX I was charged {$100.00} in overdraft fees. This company has taken over a XXXX dollars from me in negligent overdraft fees and sucks all the money out of my account constantly. Every time I call they act like they cant reverse the fees immediately but they can. Im tired of being fraudulently charged by Wells Fargo

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 2023-03-24 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: WELLS FARGO & COMPANY
State: DC

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

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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through Paypal-Synchrony ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXXXXXX XXXX so it can be related to identity theft.

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 2023-03-24 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: Block, Inc.
State: TN

Complaint narrative:
Cash app has no issue with the purchasing bitcoin at all but when it comes to sending or receiving bitcoin and Im unable to do so due to not being able to verify identity. I have sent all necessary documents as well as proof of identity and it has been over seven days they have allowed me to send money as well as buy bitcoin but cant do anything else. This is a violation of my right to supply information. I did what I was told by agent and Im still unable to use my bitcoin account as to digital currency will be only way of funds soon I need a quicker resolution than we keep emailing and sending messaging to support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I made a final payment 2021 to XXXX. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.

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 2023-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I made a final payment 2021 to XXXX. They are still reporting to the credit bureau that the account is delinquent/derogatory. I have sent letters but nothing has changed nor a response.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On or about XXXX of 2021. I had canceled my credit monitoring and alerts services with Experian. They even sent me an email claiming that stated " you cancelled your Experian membership ''. However, shortly thereafter Experian started charging my XXXX XXXX credit card account without my permission. Even though I had canceled my membership with them, they continued to charge my XXXX XXXX credit card without my permission. I have tried to contact Experian many times via their 800 number as well as online and they never respond. When you call their 800 number they ask you to verify random information that they claim isn't my authentication information only to be hung up on after being put on hold. Sometimes they just hang up. Since XX/XX/2021 they have continued to charge my credit card even after my credit card declines their charges, somehow they continue to get approval through 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 monetary relief
Consumer complaint received 2023-03-24 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:
Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, XXXX, and Equifax. I will attach the letter I wrote to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: 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 XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: 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 XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, I am XXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my wife. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account since I don't want to have a relationship with them. But Capitol one told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want further relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023 around XXXX I opened a checking & savings account with capital one. I transferred {$100.00} into savings + {$20.00} into checking. When transferring the money, they stated that my money would be available in 1 to 2 days max. I called capital one today ( XX/XX/2023 ) at about XXXXXXXX XXXX to close my account. When I said I wanted to close the account, I was informed that my funds were frozen because they had to verify that the funds are actually there. Come again? 

They only froze my money after I said I wanted to close my account. I was then told that I have to wait a WEEK and contact them next Thursday to close the account and get a check with my funds. Unethical and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CA

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24 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: FL

Complaint narrative:
I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I received a phone call from Emergent Servicing regarding a debt that I did not recognize. I spoke with XXXX, upon attempting to tell her I did not know this debt she began to tell me that they emailed me and started rattling off several dates and an email that I do not use. I asked her how old this debt was? she replied that it was from XXXX somewhere in that time frame. She then violated the FDCPA by telling me she was giving me a chance to " voluntarily pay it '' which of course unless you intent to take legal action or have the ability to do so, this is a violation of the FDCPA. When I told her I was not paying something I did not have knowledge of she began to use abusive language towards me such as " you're just mad because you got yourself in debt and don't want to pay your bill '', she also told me she gave me a chance to talk ( which she didn't ) and she was talking now. She was yelling over me, insulting me and my intelligence and using rude and abusive tactics all because I did not agree to pay a bill I know nothing about. I advised her to Cease and Desist at this point because she was continuing to yell over me in which she completely ignored! I asked to speak with a supervisor or manager she refused and continued to yell. I had to end the call due to this. I did call back and speak with a nice gentleman named XXXX, he apologized for the behavior and agreed to remove my phone number and review the collection call. I would like for this company to be looked into for their abusive tactics, if they are doing this to me they are doing this to others that may not be so educated in debt collection laws.

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 2023-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: InstaMortgage Inc.
State: NC

Complaint narrative:
One week before closing on the house, the underwriter tried to sabotage the deal. I was still on XXXX XXXX, but in the process of retiring. The underwriter wanted my VA XXXX rating, which is never awarded prior to separation from the military. I was required to pay down points for this VA loan. They wanted me to come out of pocket {$50000.00}, but fortunately we were able to come down from this and I was able to do the deal only coming out of pocket {$33000.00} to close. {$14000.00} was paid to pay down points. This is predatory behavior, and I would not recommend this company to anyone. I am a retired, XXXX veteran and I almost became homeless because of this underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2023-03-24 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:
I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
At my direction, XXXX XXXX electronically sent Synchrony Bank/Amazon {$12000.00} to pay my charge card bill which was for only {$1200.00}. Thus, the payment included an overpayment in the amount of {$11000.00}. This payment which was due on XX/XX/XXXX was received by Synchrony on XX/XX/XXXX On XX/XX/XXXX, when I first became aware of this overpayment a representative from XXXX XXXX and I contacted Synchrony ( XXXX XXXX ) and asked that they electronically deposit the overpayment back to XXXX XXXX XXXX checking account, where the funds had originated. Synchrony informed us that could not do that but that would within the next 30 days send me a check for {$11000.00}. 

On XX/XX/2023, not having received the check, I contacted Synchrony. I was informed that they did not send me a check because they needed written authorization from XXXX XXXX to do so. However, after speaking to a Synchrony supervisor I was told that she would request their accounting department to send me the overpayment on an expedited basis, and that I should receive the check by XX/XX/XXXX. 

On XX/XX/XXXX, not having received the check I contacted Synchrony and was informed that the check had not been mailed but that it would be sent and that I would get it within the next XXXX to XXXX days. I was informed that the check had not been sent because receipt and clearance of my payment needed to be verified. A supervisor whom I was transferred to then told me that the check had in fact been sent on XX/XX/XXXX, and that I should receive it by no later XX/XX/XXXX. 

On XX/XX/XXXX, not having received my reimbursement I again contacted Synchrony. I was informed that a check in the amount, {$10000.00} had been sent on XX/XX/XXXX, and that it would take seven to days for me to receive it. I was informed that the check had not been sent sooner because I had not requested a refund until XX/XX/XXXX. 

On XX/XX/XXXX, I also sent Synchrony a written request for a refund asking that they send me a refund within seven days of receipt of the written request

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