vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I've been trying for over a month to get the balance on my rewards card and Wells Fargo refuses to give this information. They also refuse to communicate via writing like I have requested. My email is listed in this complaint. 

Here are ALL the details on the card so you can properly find the infromatin. 

On the front of the card it has REWARD CARD on the left side. 
The number on the front of the card is XXXX XXXX XXXX XXXX It says it is a DEBIT There is a note that states FUNDS DO NOT EXPIRE It states GOOD THRU XX/XX/XXXX The name on the card is listed as REWARD CARD It states it is a VISA On the back of the card it has the following. 
Top left corner it has the number XXXX Top middle it says XXXX Top right it has XXXXXXXX XXXX  XX/XX/XXXX The middle of the card says NON-RELOADABLE The XXXX digit number on the card is XXXX Below the signature box it says Authorized signature | Not valid unless signed. 
It has the WELL FARGO logo on the bottom left of the cad. 
Also below the signature box it says For assistance in the U.S., please call XXXX and For assistance outside of the U.S., please call XXXX In the bottom left corner of the card below the Wells Fargo logo it says This card is issued by Wells Fargo Bank , N.A . pursuant to a license from XXXX XXXX XXXX FDIC coverage provided under terms governing your card. 

I have now provided all details about this card and will await your response. I will allow XXXX hours for you to respond. If no response is given in that time, I will assume that you are ignoring my message. I will then look to file new complaints with ALL the new information with the agencies so you can respond via those means. 

This should be all the information needed for the company to properly respond to this complain with the balance on this card where the funds do not expire. It's all the information that I have about the card.

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 2023-01-06 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Capital One Account XXXX, XXXX XXXX Account # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are some unauthorized inquiries on my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
My previous loan company that had been assigned to me was naviant. They told me that if I made 3 consecutive payments of I beleive {$300.00} on a specific date for three months in a row that I would qualify for an assistance program that would then secure me me making around a {$30.00} to {$40.00} payment each month for the next 64 months. I made two of these payments, and submitted my information ( which I was told they never received ), I then submitted it again, from which I heard nothing back from them. Shortly after making the second payment of {$300.00}, Navient was no longer the company I dealt with and I was assigned to a new company. I have patiently waited to see if that {$600.00} payment would ever show up on my credit report, and assumed the delay in its appearance was due to the pandemic. I recently saw an article that stated navient had been acknowledged for some deceptive tactics regarding student loan debt. I graduated college with a XXXX XXXX, and a XXXX XXXX XXXX. I would have liked to continue my education and obtain higher credentials so that I would hopefully obtain more opportunities for higher salary paying jobs, however, the interest is astronomically high on student loans and being that I am a XXXX XXXX XXXX XXXX  along with inflation, furthering my education does not seem like a very smart option at this time. I am worried that the upcoming absence of the deferred payments will require me to have to commit to the monthly payment I had tried to avoid prior to agreeing to.the terms of navients arrangement. These payments come to between {$250.00} and $ XXXX from what I've seen on my paperwork. Money is tighter then ever and I am literally living paycheck to paycheck. I am wondering if Navient fraudulently set me up on a plan that was set up to not be possible, and took my {$600.00} for whatever reason except to go towards any of my loans. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I wired all my money on XX/XX/23 to another bank in order to close my account and wire is still pending more than 48 hours later. I called citibank multiple times trying to resolve the issue and didn't get anywhere with them, they keep saying I have to wait, is this legal to hold my money this long?

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
We have a home mortgage with NY Community Bank ( " NYCB '' ). On XX/XX/2022 NYCB acquired Flagstar Bank in a merger, and is now operating under the name Flagstar Bank and is now one of the top 25 regional banks by assets. Our mortgage was transferred by NYCB to Flagstar on XX/XX/2022 and we were charged a " Account Payoff - Release Fee ( Payoff ) Charge '' of {$36.00}. This was not a refinance, and we had no part in this transfer. 

I know its only {$36.00}, but charging a payoff fee for transferring our NYCB mortgage to NYCB 's wholly-owned subsidiary is self-dealing and seems fraudulent. I am concerned that the charge is being missed by all of the customers since there has been so much paperwork sent out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I paid off all payments never ever late and I have all paperwork for proof I tried to contact them and call them no one helps just makes more and more harder for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CT

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, I would like to file a complaint in hopes of rectifying a situation I have with Synchrony Bank. I have made several attempts to clear this matter up with the bank before contacting your agency. 

On XX/XX/2022, XXXX XXXX  I opened a XXXX account to purchase an automotive fuel injection kit. 
I also have XXXX XXXX  account with Synchrony Bank. These XXXX accounts are being confused. 

The issue arose when someone at the bank charged my purchase from XXXX XXXX to my XXXX XXXX account. I asked for a correction of this situation as soon as I discovered the situation. I was told it would be corrected several times but that has not happened. 

Someone made a mistake in posting this transaction to the wrong account and I am having to go through this process to correct the matter. 

The item I purchased should be charged to account XXXX XXXX XXXX. This would make this situation correct. I clearly opened the account for this purchase. 

I am also being interest at the wrong rate because the balance that has occurred because of this error. 

The invoice I included clearly states the item was purchased to the XXXX XXXX XXXX XXXX. Its toward the bottom of the invoice on the left side. 

I truly hope you can help me with this matter. I have enclosed a copy of the invoice. If you towards the bottom it clearly states the charge was made to XXXX. That did not happen and I need your help. 

Respectfully

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 2023-01-06 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 BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL DOCS AND MONEY. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS
AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE THIS FRAUD INFORMATION FROM MY CREDIT REPORT IN 4 DAYS. 

 FRAUDULENT ACCOUNTS: Account name XXXX XXXX XXXX  Account number XXXX 

FRAUDULENT ADDRESSES: 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

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 2023-01-06 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: CT

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: CT

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: MN

Complaint narrative:
Equifax please remove XXXX  XXXX from the credit report. The included in bankruptcy should have been included 30 to 60 days after discharge of the bankruptcy. Based on your report you showing yourself the discharge was XX/XX/XXXX We are now in XXXX and its just now getting added to the report you know this is not right! And is in violation of the FCRA I have showed you factual based dispute that its wasnt on the report until XXXX please remove from the report immediately and send me a updated credit report showing the deletion in its entirety. Lets move forward this is whats wrong with the world today and its not getting anybody people are always trying to bring others down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CA

Complaint narrative:
Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, The bureaus have not deleted these fraudulent items that are being reported let alone investigated anything. Also there is a bankruptcy that was filed XXXX  years ago that is still being reported that is past the statute of limitations. 

Please review the FTC report and information I have sent out thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TX

Complaint narrative:
In accordance with with the Fair Credit Credit Reporting Act, 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 have 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, also states, a consumer reporting agency can not furnish an account without my written instruction.

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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
XXXX Radius Global Solutions, I told them that I didn't owe the debt. I have been constantly harassed and disrespected.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I have a USAA Credit card that was opened XX/XX/XXXX which I have never used. I have forgotten about the card and am surprised it was never closed due to inactivity. Regardless, I received a reissued plastic on XX/XX/XXXX and decided to call to close the account. On XX/XX/XXXX, I called into the USAA call center to close my account. I verified all my information and asked the rep to close the account. She obliged, but got to a screen in her system that required her to update my " occupational information ''. I didn't think this was necessary and asked to simply close the account. She put me on a long hold and came back to say that she couldn't move past the " occupational information screen '' to close my account. I asked to speak to a manager and she said she could not transfer me because the computer was locked on the occupational information screen and couldn't get to the transfer screen. 
I have never experienced such difficulty closing a credit card account and would simply like to close this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation