vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This collection agency is violating my rights. This account is a complete violation of the no surprise act 2022. Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Capital Funding, Inc.
State: FL

Complaint narrative:
When my home owners insurance went up so did the mortgage. I live on a fixed income, which is SSI money check for {$910.00}. I live alone even though the house is also in my ex wife 's name also. Even though I had to borrow money to pay {$3400.00} that I did not have to pay ahead of time and payed them that money so that they can stop harassing me all the the time, they still did harass me. I thought that with this money I would get them off my back and that I would it would help for me to fix the house. They are not budging and still making me pay more of the mortgage and it's default me because of this. I can not pay them aby more than I have to plus pay my lender of the {$3400.00} back at the same time. I was bot obligated to pay that much ahead of time only did so so that I can pay less by just paying the principal and made a big mistake by giving these people the money ahead of time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It XXXX Concern, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo regarding their handling of my request to reimburse overdraft fees on my account. 

In late winter XXXX, I contacted Wells Fargo via phone to request a refund of the numerous overdraft fees charged to my account. During the call, I was informed that I could only be reimbursed a small amount under {$80.00} ( I can not recall the exact amount, but it was under {$80.00} ). This amount did not adequately address the issue, especially considering the circumstances surrounding the overdraft fees. 

Subsequently, on XX/XX/XXXX, I took further action by sending a fee appeal letter to Wells Fargo, reiterating my request for a refund and a waiver of the overdraft fees. In my letter, I highlighted the hidden clauses justifying these fees, which were concealed in extremely fine print. I expressed my surprise at such hidden fees, as I had never been aware of them. I found this practice dubious and unsettling as a loyal customer. 

I provided background information, highlighting my long-standing patronage of Wells Fargo and my consistent efforts to maintain a positive balance and responsible payment behavior. However, due to recent personal hardships and unexpected familial obligations, these fees have become an immense financial burden, making it increasingly difficult to maintain my loyalty as a customer.

Despite my sincere and compelling appeal, Wells Fargo replied, stating that they could not grant my request for a refund and waiver of the overdraft fees. This response was disheartening and left me feeling unheard and unsupported by the bank.

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 2023-07-25 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: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I purchased a course from a company called XXXX for {$8600.00} on XX/XX/2023. Shortly after I found out it was a fraudulent course, I cancelled it, and I called my credit card company Gemini immediately to dispute the charge. I received a letter from Gemini on XX/XX/2023 confirming the dispute and they would investigate the charge. The course was cancelled by WBtrading and I was not able to access the platform. On XX/XX/XXXX, I was notified from my credit card, Gemini, that they completed their investigation, and they determined that the dispute was unsuccessful. I emailed XXXX and they confirmed via email that they refunded the money to the credit card, Gemini, almost immediately. They advised me to pay again if I wanted to use the course. I am attaching the letters from the credit card company Gemini and emails from XXXX confirming the refund of the money to the credit card company. I am requesting the full refund of {$8600.00} plus any interest that the credit card Gemini charged during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KS

Complaint narrative:
I filed a dispute for an unauthorized charge by XXXX account I do not hold, but my card info WAS saved on walmart.com on my actual walart account and someone like hundreds of other complains I seen, hacked their website and stole my card info and made a {$260.00} charge on my account, chime refused to stop that charge from being completed even though I called an hour after I received the alert, the problem could of stopped right there.they refused to stop that payment and said I had to wait for the money to be taken from my account then dispute it.i did that, I stayed in contact with XXXX also who sent me an email saying they flagged the account using my card as fraud.i sent that email to chime, chime claims they investigate with XXXX yet XXXX has no info on them communicating and dosent understand why my claim was denied as XXXX can see I didn't make that order XX/XX/XXXX for {$260.00} on my XXXX account and there's no reason to denied my claim.chime made no effort to check with XXXX to see if I had an order on my XXXX account at all for the {$260.00} amount charged on my card, they did find the charge on my card but see it wasn't made by my account. I even tried to call XXXX to stop the order someone else made immediately and they also refused to help because I had no order number because IM NOT THE XXXX ACCOUNT HOLDER. Chime refuses to refund me saying there was no error made. It was fraud not an error. They have no clue what is going on as they do not listen. I want my money back they never properly invested in contacting XXXX to ask if my XXXX account shows an order at all for that amount.nor did they bother reading the XXXX email I forwarded them saying they flagged the other account for fraud.how do you deny a claim whiteout properly investigating with the company that received the money from a stolen card number? XXXX said there is no reason and it's concerning that chime has done with and will be in contact with chine to question why I was denied my money back.in my XXXX with chime I have never had a problem but the first time I do have a problem I begged them to stop payment on as soon as it happened they act like I'm a liar. If I was lying I would not have called right away apon my text alert of the charge to stop this from going on. I sent them the email yet was told they determined there's no error and I won't get my money back, yet they didn't investigate with XXXX to even see that I was not the one who made the order or who it's shipped to. This is a horrid policy and damages their customers funds that are kept with chime. My money XXXX be refunded according to XXXX. Chime has done a XXXX loyal customer wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2023-07-26 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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I made a purchase for bitcoin and the withdraw has not reflected on my account. I called many times spoke to many people with no resolution. I am bothered that they are not answering me by online support nor by telephone. Cash app keeps blocking every transactions I make and it's becoming an issue. Now they are completly ignoring my concern by not answering me. Please help me resolve this issue. There was a transaction for the amount of XXXX $ and another for XXXX XXXX Cash app is not professional with handling concerns. This transaction was made on Sunday XX/XX/2023 today is Tuesday XX/XX/XXXX and still no resolution.. It should had not taken this long especially when it says the transaction has been successful, but its not reflecting on my Bitcoin. Please help me get my money that cash app is holding or blocking my transaction. I honestly feel unconfortable this is a form of harrasment and abuse of power. I don't appreciate this kind of business with cashapp. This is complain is for both sender and recipient for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-07-26 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I cancelled my XXXX XXXX and then the American Express Credit Card got automatically cancelled, which is fine, but now I'm getting bills from American Express even though my account was closed with a XXXX balance last I had checked and there were no pending transactions to be resolved and I always had autopay set up on the account ( and still do ) ( I always maintained autopay and a {$0.00} balance and these bills started well after any pending transactions would have reasonably been resolved ) and so there is no way that I could still owe American Express any money, but I'm receiving bills for {$780.00} and now XXXX on some account that seems to be the credit card that they had closed and it all makes no sense. This is very disconcerting and I'm not sure if it's fraud or something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information that have been falsely submitted and continue to publicize with my name with any credit bureau ( s ) needs to be removed immediately. Failure to do so will result damage to my Life, Liberty and the pursuit of Happiness, an I will bill additional charges per civil rights violation. In accordance with the Fair Credit Reporting Act. Violating my rights 15 U.S.C. 1681 section 602A. 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 or solicitation of any account information 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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have a bank account with chime and I received a refund from the merchant XXXX  and never received it back in my account I disputed the amount more then a month ago a chime still have not credited my account I I received an email from XXXX as well as I reached out to them and was told over the phone that I received a email. They also sent me a direct message saying that a refund was definitely processed and the money is no longer with XXXX it was sent to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed by a XXXX hacker impersonating to be my friend and asking me for help. It asked me to use this email address to send the money, XXXX. Then gave me XXXX email to use for XXXX. I sent {$800.00} via Wellsfargo, XXXX email account on XX/XX/XXXX. XXXX days later I realized that I was scammed through posts on XXXX, called Wellsfargo and made the claim on XX/XX/XXXX. 
Then I received XXXX different letters dated for XX/XX/XXXX from Wellsfargo. One informing me about the claim being the payment was processed as requested and then the second letter stating denied based on the information available to us. 
I called Wellsfargo to clarify the status and that I was willing to send them any evidences of XXXX XXXX XXXX account being hacked and reported. WELLSFARGOs response was that the case was closed and that they wont be needing any additional information regarding the case. 
When asked if there is anything I can do, WELLSFARGOs response was that they are willing to support me by receiving the refund if the scammer chooses to send it back through WELLSFARGO.

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 2023-07-26 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2023-07-26 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: LA

Complaint narrative:
I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

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 2023-07-26 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: LA

Complaint narrative:
I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FC HoldCo LLC
State: VA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account # XXXX I did not give Flagship Credit Acceptance LLC my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages. 

I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately. 

A written response is attached below.

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