vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Back in XXXX my late wife and myself started the process of trying to sell our house at XXXX XXXX XXXX  XXXX, XXXX WA XXXX ( owned XX/XX/XXXX through XX/XX/XXXX ). After a few months it was clear the only way the house would sell was with a short sale. We were told to " keep making your mortgage and 2nd mortgage payments because it will look better to Wells Fargo '' by a misinformed real estate agent and a Wells Fargo employee. As we were having an agent continuously submit multiple offers on the house to Wells Fargo for the next 9 months, they continued to deny any consideration of offer for a short sale- as we found out by XXXX of XXXX ( almost a year after first starting the process ). I was told by an employee of Wells Fargo when I called to find out why another offer had been declined. They said " As long as you keep making payments we have no inclination to accept any short sale offers ''. It was at this point that I reached out to my Congressman ( XXXX XXXX of Washington XXXX ) and his team found out that Wells Fargo had not been working in our interest to resolve our short sale as required by the conditions the government set out for the bank bail our in the previous years when the economy crashed ). We paid those mortgages for over XXXX  months through that process ( and the whole 8 year time frame of ownership with NEVER missing a payment or late until all this ) - all the while Wells Fargo was not working in our best interest - and only AFTER our congressman started looking into did Wells Fargo finally accept an offer - once they realized they were now having to answer to the government for their actions. This was all post-bank-bail-out. The reason I am submitting this complaint is to see if I am entitled to remediation for what we went through ( myself and my now-deceased wife ) because Wells Fargo did not work in our best interest - taking a toll on both mine and my late wife 's health and dragging the process out until our congressman looked into it. Wells Fargo even admitted to us they had no intention of helping up work out a solution UNTIL the government got involved. Please let me know. I appreciate you time regarding this process. Thank you. Please note all documents have addresses now out of date for myself.

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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED SOUTH COLL NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}

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 2023-07-14 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for an XXXX account ( online fitness service ) with a XXXX email address. That account was canceled in XX/XX/XXXX. 

I subsequently created a new account from my work email, which was canceled on XXXX XX/XX/XXXX. The XXXX refunded me the amount, which is reflected on my capital one card. 

I then received an email that the service that I had signed up for ( on demand access ) was being discontinued on XXXX XXXX, and would no longer be offered effective XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, XXXX charged my credit card for the service that was discontinued ( their on demand access ). I immediately emailed them to request for the charge to be reversed as I no longer had an active account with them, and they were no longer offering the services anyways. 

When they refused, I filed a dispute with CapitalOne, which they promptly rejected. I then resubmitted the information XXXX and spent multiple hours on the phone with them, only to be advised that this actually fell under their fraud department 's scope. I filed a case with their fraud department, which they rejected within hours. 

I've sought the advice of an attorney who recommended that I reach out to you, as this evidence I shared with him unequivocally demonstrated that the charge was fraudulent. 

Attached you will find my cancellation for the original account. My cancellation for the second account, as well as the discontinuation notice for the service. I've also included the fraudulent charge, as well as my request for it to be reversed. I've also included the credit card statement that shows the refund in XXXX. 

Finally, attached are all the dispute responses from CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 2023-07-14 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
The card is under spot me the card has a XXXX limit of credit for overdraft it is offered for XXXX but I found out you got to earn the the money the reason why I am contacting the cfpb for Friday is because the card is under too many transaction for overdraft limit the card is XXXX and the limit was reached but I'm sure that I don't make the authorizations to the app instecart. And what is wrong is it has a bunch of charges made past the spot me limit and wasn't made by me at all. The same day I had other instecart charges. Probably made by hearing my card number hooked to a psych tenny spunge. From a XXXX XXXX I hear old men and feel different stuff set up by the hospital. And my card was deactivated by a representative acting rhetorical to the dispute for having to make the dispute. And shut down the card. For instance the way he acted was hearing suspicious. For controll of the card. To send it back through the mail. A chime visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe my car loan falls under the Wells Fargo settlement. They have continuously denied I even had an account with them. However I have the proof which I have submitted

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 2023-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The HELOC mortgage came mature and we applied for assistance to get help with the balance. We got approved back in XXXX of XXXX and PNC did not respond until XXXX of XXXX. Because of this interest was added and now the money that I was approved for they have but, are not posting it to my account. Due to them not cooperating the balance has exceeded the amount that was given for assistance and does not cover the whole balance due and owing. We simultaneously applied for hardship assistance per their request and was denied to " exceeding the maximum amount of hardship applications ''. They are with holding credits that I have been been making this entire process and not applying that to my balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: MD

Complaint narrative:
Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}

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 2023-07-14 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: MD

Complaint narrative:
Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I saw a car in XXXX of this year in XXXX and wanted to purchase it. The seller appeared to be overseas and wanted to communicate with me by email. I provided a phone number and an email so we can communicate. The car was located in XXXX. He sent pictures and sent several documents, which all looked legit. ( Copy of all the documentation has been given to the bank before ). I asked about the shipping of the vehicle, and the person, XXXX XXXX XXXX, gave me the following address. 
( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and he said he would use the same shipping firm to ship the car from XXXX to the US. 
I agreed, and when I mentioned shipping time and transfer of the funds, he said the shipping would take about a month, and the shipping firm is acting like an escrow firm. They would keep the funds and release them to the seller once I receive the car here in the US. 
The scammers provided instructions for the XXXX transfer, and all the information came from the following website XXXX XXXXXXXX XXXX I handed them the instructions given to me at the CHASE bank location and asked how to proceed. The XXXX at the chase didn't even look at the paperwork. he did the XXXX  transfer without asking any questions. 

Here is the problem, We, as consumers, are not subject matter experts. We feel safe with bank instructions and bank suggestions. The instructions indicate that the bank officers look at this paperwork and ask us the proper questions. The bizarre fact is that this was a XXXX transfer from Chase to Chase here in the US. 

The bank employee doing the wire transfer didn't ask any questions. Have I been asked that this may be a scam? I would not proceed. I firmly believe that the bank is responsible for the mishap. Any bank would have XXXX XXXX XXXX for situations like this. CHASE wouldn't release the account holder on the other end, and I can not know who the scammers are. 
Delicate transactions like this happen daily, and banks are supposed to protect our funds. No one and I mean no one, asked me if this could be an illegal person. The instructions were given, correct but the bank must have instructions to stop situations like this and protect its consumers. In my case, the other XXXX account holder was protected since the bank would not release its information, but I lost XXXX $ for a mistake that easily could have been avoided if the bank had strengthened standard operating procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America continuously debits my account for a reversed dispute on an old account that they are trying to collect on. They continue to take any direct deposited funds from my account and place a hold on them before taking them to apply payment to the negative account without my permission or consent. I receive XXXXXXXX XXXX  and have to account for all monies spent/debited and this is not an approved task per the policy. I have consulted with Bank of America several times about this and expressed that I was a recipient of XXXXXXXX XXXX and their response was that there is nothing they could do. Current date XX/XX/2023 deposit amount {$97.00}. Bank of America debited amount : {$86.00}

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 2023-07-14 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: NC

Complaint narrative:
I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX  XXXX because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last XXXX digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX  ( XXXX XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.

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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.

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 2023-07-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.

Company response to consumer: Closed with explanation