vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an health savings account with XXXX XXXX that is being charged a large monthly fee that was never disclosed to me. XXXX claims that I have a service agreement, but I never signed off and agreed to this. In fact when I left my employer, they informed me that there was no fee on my account. 

To continue collecting this fee, XXXX XXXX has made it very difficult for me to get repaid for my medical expenses. They have denied itemized bills and insurance bills. They have also NOT sent me a debit card to make it more difficult to access to my funds. 

I spoke with XXXX XXXX on XX/XX/XXXX about getting repaid for the fees and asked them about the debit card. They refused to pay me back the full amount of the fees, {$150.00}, and didn't offer to send me a debit card, even though the manager, XXXX, agreed that I have not used my account as XXXX XXXX has made it difficult for me to access my funds. I didn't even receive a XXXX tax document because I have not had access to my account. I don't know why I am even being charged a fee as no custodian services are being done that I should have received ( i.e. the debit card and approval of my medical expenses )? I can not move this account either, and feel that I am stuck. 

Is this the new level of American fraud and greed? Why is the US Government pushing health savings accounts, especially with these unscrupulous banks. When I asked XXXX XXXX why they are doing this, the manager, XXXX, replied it is because they are " for profit. '' So, making it difficult for me to access my hard earned money so you can charge me a monthly fee is not fraud? Especially, when you didn't even inform me about his fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
The original charge off balance from XXXX XXXX was for {$10000.00} as of XX/XX/XXXX. The account was placed with HUNTER WARFIELD during XXXX and now has a balance of {$14000.00} as of XX/XX/XXXX. This is due to additional junk fees being added to the collection over a period five years ( XXXX ). 

I have disputed the account several times to only have the adjusted to satisfy the dispute and readjusted and reported back on my credit report after a few months with amounts that differ from the original balance and higher then the previous amounts reported. This is a predatory action by the debt collector which does the greatest amount of damage to my credit report and credit rating on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XXXX XXXX I got emails from my Bank, Ally, stating that I need to call them and that my account has been restricted. I can not access my funds nor can I see the state of my account. 

From XX/XX/XXXX to the time I have made this report I have called them several times. Originally daily until my bank told me to stop calling. Each time I called it resulted in them telling me this could last 30 days and that there was no resolution. In this time, I have no access to my funds. I can not pay my rent, insurance, car, and daily necessities. 

My bank refuses to work with me and has denied me access to my own money. They have left me with no way to eat or pay for my own housing.

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 2023-04-10 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:
I have not had any updates on my Transunion credit report. However, every other bureau delete all of the accounts that did not belong to me. Transunion did not process them and they are taking a long. There is no way there were able to validate any of the debt because I have never lived at any of the addresses on my credit report. I sent in an FTC identity theft report with all of the accounts that I was requesting to be removed and maybe only one account was removed. I have sent in my ID and Social which I am very uncomfortable doing being that I am a victim of identity theft. I don't understand why these accounts are taking too long and they they are not able to update these items.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Experian failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code XXXX. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/2021 I learned that Wells Fargo aided and abetted XXXX XXXX XXXX in defrauding me out of {$25.00} XXXX dollars. Wells Fargo knew or should have known that that company was engaging in financial abuse of a vulnerable person like myself and did nothing to help me but instead turned a blind eye.

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 2023-04-10 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
LOAN DEPOT RAN MY CREDIT ON XX/XX/2021 REF NUMBER IS XXXX TRIED CALLING THIS COMPANY SEVERAL TIMES NO ANSWER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This was apart of a litigation. This should not be reported on my credit report as it is forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been banking with bank of America for 37 years. I was a victim of identity fraud on XX/XX/XXXX I live in XXXX XXXX Ca. I feel bank of America isn't doing their part to protect me as a loyal customer. I've spent over 20 hours on their several 800 numbers and in person 3 times at the bank in XXXX, Ca. I did not authorize the use of my name or personal information or the debt on the account. I've been to the BofA XX/XX/XXXXXXXX XXXXro talk to the bank mgr. XXXX XXXX and 2 times after to talk to other reps. I was concerned that they would let these fraudulent charges go through, as the bank didn't file a report until the day after on the XXXX. I have never transferred money from my credit cards to my checking in 37 years, nor know how to. There were several transactions from my checking, to other accounts, to XXXX XXXX and XXXX. The bank told me they would give me a temporary credit on XX/XX/XXXX. They never did and closed the case and I had to reopen it. I am not getting any support and not getting any updates. I need some help. I'm XXXX and want to retire soon and these people took over XXXX XXXX out of my account. I need some help. I've already reported this to the FBI and to identity fraud and my credit report, which is a XXXX. Bank of America isn't valuing me as a customer and giving me the run around.

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 2023-04-10 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: AL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10 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: AL

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 US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED 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, 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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I rented a car from XXXX car rental on XXXXXXXX  at the XXXX XXXX airport location. XXXX XXXX  set this reservation up for me directly. I was notified of the details. My rental contract said in print that I would be charged a fee if I did not call customer service prior to extending my rental. I called customer service to do just that. That call record was logged by XXXX and my mobile carrier. Still, on the evening of my return, I was charged a " late return fee '' of {$36.00}. The evening of my return, it was pouring down rain. It was late, cold, and wet-so I chose to have my receipt emailed to me instead of walking into the branch. To my surprise, despite my calling customer service, per the rule, I was billed a late fee anyway. I contacted customer service by phone and was told there was nothing that could be done and that no bill adjustment would be made. I then contacted my credit card issuer and disputed {$36.00} of the {$210.00} total. It was determined by XXXX XXXX XXXX XXXX that the entire amount should be refunded to me after their investigation. I visited the lax XXXX in XX/XX/XXXX  to offer to pay the {$210.00}, less {$36.00}, that I no longer owe. I was told by an agent at the counter that no payment could be taken. Additionally, the only XXXX rep that could take a payment would be the " do not rent '' center, and they do not make bill adjustments. Now, I'm getting payment demand letters from their credit collection partner XXXX XXXX XXXX, by email, phone, and first-class mail, attempting to collect a bill that my responsibility has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, while checking out my cart for an online purchase ( XXXX  ) of approximately {$250.00}, I applied for another XXXX XXXX XXXX XXXX credit card. ( I previously had their card about 6 or 7 years ago, but when I paid it off, I closed the account. ) The application was denied with a message that said " XXXX XXXX XXXX XXXX is unable to provide credit at this time ''. No reason for this denial was given, which concerns me because I have a XXXX  score of XXXX as reported by XXXX. It's my understanding that lenders are supposed to advise the reason for denial, even during " instant '' credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is paid.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is inaccurate information reporting on my XXXX and Transunion credit report. They are reporting an account in which I do not recognize. Transunion is reporting the account as XXXX XXXX while XXXX is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent 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 explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
XX/XX/2022 Trascation 1 amount {$66.00} money transfer from my Chime account to another person 's Chime account during XXXX XXXX. 

Transaction 2 amount {$10.00} money sent from my Chime account to cash app to one of people who was participating in the XXXX XXXX. 

Transaction 3 amount {$100.00} money sent from my Chime account to same person who received {$10.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social

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 2023-04-10 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: AL

Complaint narrative:
My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of.

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