vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: ERC
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: WA

Complaint narrative:
Experian has not sent full file application of things verified accurate and it against the law what their doing they have police report and choosing not to block info .how is it the irs approved and irs form shows credit concept was a borrower and I was lender so how is they get to violate my right and laws so I'm filing a complaint right now and have an on going suit against credit concepts so I will summons experian for the XXXX negative company they refusing to comply with laws .repeating told me rhey are the law have no right to challenge there verification.so I need every rep who handle this investigation to show and tesstify.and for damages I'm pressing charges.this in not right law states accurate you guys gave them a year I'm done with everybody .no help no protection no nothing.i did my part. I am secured creditor so I'm going straight to federal court and let them explain why they violated vthe law and choose to ignore it.just letting you know these credit agency thinks you guys are not a matter.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was fraudulently charged a purchase of XXXX cell phones made by some random individual who lives in Indiana over a year ago. Wells Fargo has admitted and agreed that this was not my purchase but yet keeps charging me interest as well will not take the charge off my account. I have over XXXX calls into Wells Fargo yet they keep bringing me around the same circle and the case never moves forward and it is not dropped even though they know these were not my charges. This has also done damage to credit score. If someone from the public can read stay as far away from Wells Fargo as possible.

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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding me through a predetermined cycle of client losses in the equivalent of XXXX USD which were transferred from my Coinbase wallet utilizing Coinbases services. 

I tried repeatedly to recover my monies from Coinbase to no avail. I have two separate filed requests to COinbase for assistance and recovery with a refusal to assist me in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: LEXISNEXIS
State: TX

Complaint narrative:
Propagating false information of my name and address is against the law, any bill depth that's obtaining those entities needs to be removed. Any information obtaining so as inquiries hard or soft that's obtaining the same information needs to be removed. Any address prior to my currently address is incorrect and need to be removed. Anything that's in ties with those incorrect addresses needs to be removed. They are Propagating and dismantling false information upon me and the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On the date of Tuesday XX/XX/2022, I made a purchase on my Capital One credit card and booked a Hotel stay at the XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, CA.The initial booking was scheduled for checkin on XXXX XXXX XXXX check out, however I left the same day I checked in. For instance, once my wife and I arrived and checked into hotel suite I noticed a numerous amount of health hazards in the room such as an odious stench from fungus growing out of AC vents, stains on the carpet and bedding sheets, hair and feces in sink and shower form previous guest. Once I noticed all of these things I made a complaint to the front desk associate and requested to be switched to another room. Once we moved to the next room we noticed the same conditions if. not worse in the very next room that we were placed in. Furthermore, these types of hazardous conditions caused my wife to have an allergic reaction to the air the she was breathing due to her XXXX XXXXXXXX. Next, we left the room to get some air and went to the pool area and noticed that the hot tub area had XXXX floating. Then we packed up our things and checked out that same day. Before leaving we requested a receipt from the front the manager on duty, but were rejected since the booking was done through XXXX. Then he said he would notify XXXX XXXX of a refund that was due and I would notify my credit card company of the cancellation of the transaction. Since then I have been disputing this charge because I was charged for staying at a hotel that I checked out of the same day I checked in. I submitted pictures of all of the unhealthy and hazardous living conditions of each room I was placed in which justified my same day departure from this establishment. Since then I have not been refunded my booking for the check in at the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: NC

Complaint narrative:
In XXXX or XXXX credit karma had an advertisement for members to apply for certain credit cards, with an incentive of {$50.00} if the application is denied. I was denied. I was sent the letter of denial from XXXX XXXX XXXX which I applied for through their website. I never received my incentive, so I began questioning credit karma. They sent me emails asking for the last four digits of my SSN. They said they couldn't find anything in my account to support the incentive release. I found my denial letter, took pictures of it, and sent it to them. They said, " We need to send this inquiry to our 'Special department XXXX '' after which I was denied all of the 3-4 times I asked for the incentive issue to be reviewed. I have all the emails. I still have pictures of the denial letter. I have the emails,, and pictures of the denial letter from XXXX XXXX I was not able to add them to this complaint without having to start complaint over.. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Propagating false information that connects with my name. Improper usage and Improper authorization of my name that is tied to the accounts that needs removal of any false information tied to my name. And any incorrect address that's not my current address needs to be removed or any depth or accounts that tied to that incorrect address needs removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2023 Equifax is reporting inaccurate late payments on my credit report. 
This is a billing error and these accounts are in violation. I've always paid as agreed on time. I demand the following accounts be verified or removed immediately. I have also attached payment history for both accounts. 

XXXX. XXXX XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX  I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TX

Complaint narrative:
I do not have an auto loan with XXXX from 2019 to present. This is showing on my credit report and hurting my credit score. It needs to be removed. And find out who did this.

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 2023-01-23 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 XXXX  account with 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ExperianXXXX did not warn me of security risk which happened on XX/XX/2023. Someone changed my password and username. I was not notified about this change. I tried to call and log in. The account has been changed and my information is at risk. The person or whomever changed the email address.

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 2023-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly as payments that had previously been qualifying have been removed. When I contacted the agent they told me that it was because one of the signatures was not a " wet '' signature, however, this is inaccurate as both signatures were acceptable signature formats according to the Department of Education 's website. I believe I should have 68 qualifying payments but I am only receiving 11 qualifying payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NY

Complaint narrative:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 2023-01-23 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: CA

Complaint narrative:
I am requesting the {$92.00} on my Amazon Account. You closed my account, because of the bank 's mistake and there were returned checks. I was not aware that the bill pay feature was still being applied to my Amazon Account.

Why should I have to research my bank records to prove the {$92.00} credit on my account? You know that there is a credit on a closed account. Your representative stated that it would be refunded in 30 days. It has been over 90 days. 

I am requesting my credit immediately plus interested, and {$25.00} per month penalties.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo has been charging me fees that was their fault My identity was also stolen I would like to file a complaint against them and join the class action suit

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX # XXXX account is listed erroneously.

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 2023-01-24 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: NJ

Complaint narrative:
I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX  # XXXX account is listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Upon taking out a loan on my home, I was not informed that my fixed rate would change to a variable rate. It was done without me being informed or my consent. This happened around XXXX to XXXX. It has made it a great hardship for me as it made it difficult and even harder for me to come up with the payments. This hardship has also caused me to file for bankruptcy in XXXX. This has brought me great grief!

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNCHRONY BANK/PayPal Credit does not properly investigate disputes and erroneously process chargebacks fraudulently to my account without authorization or true investigation of the original dispute. There are several dubious sellers who uses PayPal inappropriately, receives the merchandise back but refuses to perform the refund. 
Those companies are : XXXX, original purchase on XX/XX/2022, returned to the merchant upon receipt ; Synchrony Bank received notification of the XXXX tracking number that the merchandise had been sent back but that the merchant refuses to perform the refund and refuses to speak with me the customer about the refund. My experience is that XXXX is a company that lacks integrity. Synchrony Bank still refuses to secure the refund even though the company has received the product back and has refused to refund the {$39.00}. 

Another dubious company that Synchrony Bank supports is XXXX. The merchandise was sent back, received but XXXX refuses to perform the refund. Even though I have reported this several time to Synchrony Bank, this bank still did a charge back on my account for {$41.00}. XXXX has the merchandise back and refuses to issue the refund and Synchrony Bank for the {$41.00}. XXXX received the merchandise back on XXXX, 2022. 

Thus Synchrony Bank has refused to issue me the credit for both the {$41.00} and the {$39.00} when both companies have received the merchandise back. Synchrony Bank is fraudulently charging back these amounts on my account. The customer service person seems to tell lies by stating it is being investigated when it is actually being charges back on my account. 

This is time consuming and very stressful. I am finding that Synchrony Bank has done this several times and refuses to acknowledge the mistakes that they are making. This bank is making erroneous/false charge backs when the sellers actually have received the merchandise back. The process is horrible and is expensive for the consumer as well as for Synchrony Bank itself which appears to be very, very, very unorganized and causes harm to the customer. 

Both XXXX and XXXX wellness either will not answer the phones or will put me on hold and never come back to the phone. 

The total refund from both purchases is {$81.00} plus the inconveniences.

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