vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Today I called Wells Fargo Customer Service, The call was to request a service fee credit of {$10.00}. They approved this and credited my account for {$10.00}. What this complaint is about is that during the initial call they denied my request and asked me twice and somewhat forced me to answer the question that they asked as part of the terms and conditions the customer service representative was reading " we declined your request and I need to know if you accept or decline the XXXX {$0.00} offer. '' This is the most absurd legal question especially for someone who has had {$0.00} cents in my account for 6 weeks and simply called to ask for some leniency on the service fee of {$10.00}. Futhermore, When Wells Fargo or others hacked my accounts multiple times from XXXX, XXXX XXXX, XXXX or internally at WellsFargo. Unsure as my multiple complaints to WellsFargo were unresolved, closed and some monies unreturned and it took several months to resolve the Identify theft. When I was forced to change my username and password I then was forced or asked to accept literally 130 pages of terms and conditions that had links inside to multiple other terms and conditions simply to change my log in and password from identify theft. This I believe is a result of XXXX XXXX and or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX or internal folks at WellsFargo. My previous complaints were discussed in detail with Ms. XXXX XXXX, Executive Customer Service ( XXXX ) XXXX about these issues and fraud multiple times. THIS NEEDS TO BE REPOTED TO WELLS FARGO GENERAL COUNSEL. IT IS ACTUALLY LEGALLY FRIGHTENING FOR ME TO BE FORCED TO ANSWER A QUESTION " DO I ACCEPT OR DECLINE A {$0.00} OFFER ''. MY ANSWER WAS I NEITHER ACCEPT OR DECLINE Regards, 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 2022-03-08 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX : call XXXX to make payment/ the automatic service gives you an amount and past due date. We consumers PAY what we hear. Then next month a bill with past due fees! On XX/XX/XXXX I called to pay bill. Again give me an amount with past due date so 1/ manager XXXX is telling me that she is not able to give REAL amount due with interest at this time and the amount due is the one given by automated service.therefore I will be billed a late fee plus interest.not able to give me real amount to end those late fee and interest. 
2/ the XXXX store will not accept an amount more then what we hear over the automated service.therefore the cycle repeats and late fees and interest next bill I am making a complaint about undisclosed real amount due and taking advantage of consumers with these above procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PR

Complaint narrative:
I enclose a copy of the letter sent and evidence that Discover received it, a copy of the police report, a copy of the FTC identity theft report, the account balance is {$9100.00}, it does not belong to me, I asked the credit bureaus to investigate the information and correct it, but their answers are that they notify the information that Discover submits to them, Discover alleges that their investigation concludes that it belongs to me but they refuse to send me a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
someone opened a credit card on XX/XX/2019 under my name i try to dispute it several times with capital one and the 3 reporting agency and i always get the results as verified and belong to me its stopping me from getting credit and refinancing my home and get car loan its affecting the daily life I need to resolve this immediately please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon, On XX/XX/2021, I wired {$9900.00} from my Chase bank account to XXXX XXXX in XXXX XXXX XXXX. While doing the transaction I had an option of sending the money in XXXX dollars or XXXX XXXX. I chose to send in Jamaican dollars because it was XXXX {XXXX compare to XXXX {XXXX. Date of available funds to recipient was XX/XX/2021. On XX/XX/2021 when XXXX XXXX attempted to collect the funds was told by recipient bank XXXX that there was no funds. I reached out to chase who later told me that I had to do a recall on the transaction and was later told that Benificiary account was a XXXX account and could not collect the funds because it was sent in Jamaican dollars. There was a wire reversal of {$XXXX} twice on XX/XX/2021 to my account. A {$XXXX} transaction fee was charge from the {$XXXX} thus reflecting the {$XXXX}. I called Chase to let them know that I was credited twice and that I was charged a {$XXXX} fee. I was told that they will debit the second reversal from my account. I sent a second wire transfer on XX/XX/2021 in the amount of {$9900.00} and a fee of {$XXXX} to XXXX XXXX to his XXXX account. Funds was expected to be available on XX/XX/2021. On XX/XX/2021 when XXXX attempted to collect the funds he was told there is no funds. Again I reached out to Chase who advised me that transaction was completed and should do a recall so they can investigate. I did the recall as instructed. On XX/XX/2021 XXXX XXXX was told by XXXX that the funds were there but there is hold on the funds because of the recall and I needed to cancel the recall so it could be available to him. I send multiple messages through secure message from my account to cancel the recall and Chase has received and acknowledged the messages but refused to respond or release the money. I went into a chase branch and has the manager submit complaints on my behalf and still not able to resolve this issue. Chase have told the bank manager at the chase branch that I already received credit which is not the case. They fail to see and understand that it was 2 separate transaction, even though the bank records are there to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I believe this bank should be investigated for possible violation of the EFA Expedited Funds Availability Act ( EFA ). Specifically, Subpart B, VI, regarding availability of funds deposited. On XX/XX/2022, a personal check drawn on XXXXXXXX XXXX for {$15000.00} was deposited into XXXX Bank of America ( BofA ) personal checking account at the BofA location at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Upon inquiry, the teller indicated that funds would be available the next day. If BofA is delaying the funds based on " Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ), '' then notice should have been given at the time of the in-person deposit. If BofA is invoking " Reasonable Cause to Doubt Collectibility ( 229.13 ( e ) ), '' then " it must notify the customer, in writing, at the time of deposit. '' Later, we received notice that a deposit hold was placed on this transaction and the funds would not be available until XX/XX/XXXX, a total of 8 business days after the deposit was made ( deposit was made prior to XXXXXXXX XXXX. ). If BofA is found to have rightly invoked an exception, then " Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) '' specifies that, " For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than one business day for on-us checks and five business days for local checks. If a depositary bank extends its availability beyond these timeframes, it must be able to prove that the extended delay is reasonable. '' I do not believe there is any reasonable claim for delay beyond the required five business days. Many thanks for investigating this case in order to protect consumers from unreasonable delays in our electronic banking age, the goal of the EFA.

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 2022-03-08 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: TX

Complaint narrative:
I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX CT XXXX XXXX NY XXXX I also found incorrect spelling of my name 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 2022-03-08 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: DE

Complaint narrative:
XXXX I previously contacted Experian, XXXX and XXXX in regards to account listed on my personal credit report that is listed as a Charge off/ Collection. The account is listed as XXXX XXXX with an account number attached as such : XXXX. This vehicle was completely paid off with no balance owed by XXXX in 2018. This company is continuously reporting false and incorrect information on my credit report which is not a reflection of my character. After contacting these credit bureaus XXXX founded that this account was placed on my report with incorrect information and no balance was owed at any time and DELETED the account. XXXX and Experian are not completing their due diligence which is greatly affecting my life. I have asked several times for documentation which legally validates the account which they continuously fail to provide to my person. These companies are including fraudulent information on my credit report from companies who pay their salaries and not acting in the best interest of the consumers. These practices are malicious and indecent. How can one company come back and state their information should have not been placed on my credit file and deleted it but these companies are sending letters to my address stated VALIDATED with no validation information or documents. I want this account reinvestigated immediately providing these bureaus with 15 days because I previously gave them more than enough time and information in the past. I would like all findings and conclusion correspondence via CFPB and then an updated copy of my credit report to be mailed to my address. I do not want this complaint closed until the investigation has been completed and I am providing with all documentation in the event they say the account is Validated. I am seeking payoff documentation and all payments XXXX XXXX received from XXXX, all notices I was forwarded in regards to a balance, the original contract associated with this account, my signature bared on the original contract and all documentation produced to your party.

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 2022-03-08 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Payment for credit card was sent but account was reported as delinquent to credit bureaus.

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 2022-03-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-03-08 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: MA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

CHARGE OFF XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America closed my credit card account on XX/XX/XXXX. The account was paid off shortly after that. it has now been passed 7 years and this account still shows on my credit report. The date this account should have come off is XX/XX/XXXX I disputed this account on XX/XX/XXXX. Bank of America stated the information is correct on XX/XX/XXXX. I called Bank of America on XX/XX/XXXX. They said they can not do anything as the account is to old. Can someone help me remove this account from my credit?

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 2022-03-08 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX in my Experian and XXXX report has violated my rights. XXXX  account # XXXX on my XXXX report has also violated those 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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My checking account with Citibank was placed on fraud alert on XXXX XXXX. Checks were forged and I received a copy of the fourth forged check and the bank is again trying to charge me XXXX from my now closed account and where they are also holding my VA federal funds hostage. This bank knows I didn't forge any check and why are they charging me.

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 2022-03-08 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:
I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX I also found incorrect spelling of my name 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 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo deactivated my account without telling why it was deactivated. Im not a scammer or anything along those lines. They sent me an email saying it will be permanently deactivated because I broke a rule. That was in XXXX on 2021. They stated that my funds will be held in my account for 140 days. They sent me an email 2 days ago saying I can transfer the money out of my account but since then I changed banks so I took off the bank that was on Venmo but it wont allow me to add the other one. I emailed them again and I keep getting the run around. Wait 5 days and someone will email you. You cant call and speak to someone because they always say wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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:
As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: PA

Complaint narrative:
I noticed unauthorized inquiries on my account. Ive never did any of these inquired someone else be using my 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 explanation