vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX XX/XX/XXXX, a person by the name of " XXXX XXXX '' called me from XXXX about case # XXXX. 

This case is about two issues as I clearly explained to XXXX : 1 ) Wells Fargo Freezing my checking account ending in XXXX in XX/XX/XXXX and then closing the same account in XX/XX/XXXX without any reason given. This falls under the Consent Decree CFPB has with Well Fargo dated XXXX XX/XX/XXXX. 

2 ) Wells Fargo making incorrect late payment reports to credit agencies about my Auto LoanXXXX as well as late fees charged. 

XXXX XXXX called again today, XXXX XX/XX/XXXX at XXXX asking about " fraudulent checking accounts in my name ''. I have to ask what does this have to do with the issues at hand??? 

I explained to XXXX XXXX clearly on XXXX XX/XX/XXXX at XXXX that I am requesting mediation for 1 ) my checking account ending in XXXX that was frozen by Wells Fargo ( XXXX XXXX XX/XX/XXXX ) without explanation. 

2 ) Incorrect late payments reported to the credit reporting agencies on my auto loan as well as late fees for WF auto loan account XXXX. 

XXXX hung up on me. 

It is clear Wells Fargo refuses to address the claims I have under the CFPB consent decree with Wells Fargo dated XXXX XX/XX/XXXX for freezing/closing my checking account ending in XXXX and the incorrect late payments on my credit report and late fees charged. 

I am making this last attempt to request mediation. Should Wells Fargo NOT move forward with mediation, I will file a lawsuit. 

I have done my absolute best over the last three weeks to resolve these issues as outlined in the Wells Fargo Consent Decree with CFPB dated XXXX XX/XX/XXXX. 

I have all the documents and witnesses to support my claims.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Debt that I disputed last year and had removed successfully from my bureaus shows back up with a different company trying to collect same debt that I proved previously I didn't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company was involved in a data breach. My information was confirmed as affected in their system. However i provided them with information indicated that my information was involved in a scam in XXXX yet they neglected to acknowledge my documentation. Aside from that the breach itself violates privacy and securities laws and are against the data protection act. I do not feel secure with the lack of security they have with my information. my personal information was breach and potentially leave the possibility of identity theft In the future. I do not feel safe and id like to acknowledge my concerns with the company. And at the least would like to be accommodated with ensuring the security of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.

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 2023-05-03 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 the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.

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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have been receiving 10-15 spam and verified phone calls per week on my landline from Comenity Bank claiming I owe money, either to XXXX XXXX or other debtors. I have blocked over 20 phone numbers from my landline provider ( XXXX ), reported these harassing calls on the National Do Not Call Registry, repeatedly told these scammers to stop calling, and reported these calls to my state 's AG office. The only debt I have is a mortgage and 2 credit cards that are paid in full monthly. These calls started 3 months ago -- XXXX of 2023 to present ; today I've received 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: RI

Complaint narrative:
This is against Cash App. on XX/XX/2023 I borrowed {$500.00} USD from Cash App and the agreement was for me to repay it on XX/XX/2023. On XX/XX/XXXX I made a mistake and paid it early which caused my regular checking account to overdraft. I contacted Cash app to asked them to refund it because it was done by mistake and they have been telling that the case was escalated however i have yet to get an update. I have reached out about 6 times calling as well as emailing with no response or update. I explained that it was an accident and that before I get hit with overdraft fees I would like them to refund it so I can deposit it back into my account and they keep giving me the run around and not answering my questions which makes me feel like they being deceitful or doing something fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I just checked my credit report and I dont recognize a loan thats on my credit. I am 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 explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A also states a consumer reporting agency can not furnish a account without my written instructions 15 U. S.C 1666b A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing this complaint against CAPITAL ONE AUTO FIN for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a gift card to be able to get gas, food, etc., so I could make it home. I went to the website directed on the back of the card and it gave an error. I called the number of the back of the card and was told that I went to the wrong website and I couldnt use the card. I wanted to know why and they stated that it was the wrong website, I stated the website is on the back of the card. I stated that I was stranded and that I was going to file a complaint, he now all of sudden he states he can hear me, he stated 2 more times quickly and then hung the phone up. I have no way of getting home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: WI

Complaint narrative:
Hello, I applied for a credit line increase on my XXXX XXXX XXXX credit card on XX/XX/2023. On XX/XX/2023 I was notified that XXXX pulled my credit report and did a hard inquiry with TransUnion for the increase. The fact that XXXX would do a hard inquiry if I summited my increase request was not adequately disclosed. There was no written disclosure on the increase request page and not check boxes for me to provide consent to the hard inquiry. Since it was not adequately disclosed, I did not give consent for XXXX to perform a hard inquiry of my credit report which is a violation of the FCRA. Had it been disclosed, I would not have requested the increase since I did not want an additional hard inquiry on my report. There is consumer harm with this unauthorized inquiry since my credit report is now negatively impacted for two years.

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 2023-05-03 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, ACCT XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00} , ACCT XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} 'Inquiry : XXXX XXXX XX/XX/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 2023-05-04 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 2023-05-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/XXXX I made a purchase using XXXX which would charge my Chase credit card {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so Chase gave me a credit for the {$750.00} in early XX/XX/XXXX and I filed a dispute against the vendor. In XXXX, XXXX the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. Chase did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from XXXX and they would return the money to them. Chase then rebilled me the {$750.00} on or about XX/XX/XXXX as I had received 2 refunds for the same item. 

I assumed at this time everything was over. Until About XX/XX/XXXX XXXX also rebilled {$750.00} to my credit card. I also noticed they had blocked me from using their services. I called XXXX to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( XXXX ) never received their money that Chase had credited to me in XXXX. 

I have called Chase every week since then several times per week asking them what is the process for returning this money to XXXX. They have told me they returned it to the bank on XX/XX/XXXX and XXXX had to check the bank or merchant services. I called XXXX to give them the information and they have stated they see no refunds on their account. XXXX is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why XXXX and Chase cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received a cash. This was all transactions through a credit card. So I dont understand why XXXX believes I am responsible for any delays. 
I have called Chase numerous times per week asking for help. Asking them specifically where the money went, to what bank, are there any routing numbers etc. Chase has told me weekly they will look into it and call me back with updates. Chase has never called me. I dont want this to go on for months. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I booked a hotel at a low price at a discount on the XXXX website and paid for it in full. Upon arrival at the hotel at the reception, I was asked to provide a credit card to receive a security deposit. After leaving the hotel, I found out that XXXX XXXX  did not return to my card. 
In XX/XX/XXXX I opened claim in the Bank of America so that the money was returned to me. XX/XX/XXXX. Account ending in : XXXX. Claim number : XXXX. After research, Bank of America credited XXXXXXXX XXXX to my account. 
In XX/XX/XXXX I received notification, that XXXX XXXX was again charged from my card. The bank informs that this decision is not subject to appeal. 
The bank claims that I took advantage of certain services of the hotel and is obliged to pay for them. As evidence, the bank attaches an unconscious document with a list of services rendered to me. In addition to the fact that this document was not signed. In the upper right corner, he has a date XX/XX/XXXX, there is no information about booking, as well as other important information. 
I did not use any additional services of the hotel both during the visit and XX/XX/XXXX. 

Please : 1. hold the bank liable for unlawful charge of my funds. The bank had no reason to charge funds for the use of services since the hotel did not provide any appropriate evidence about that. 
2. facilitate to the refund.

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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: TX

Complaint narrative:
My car was stolen and is projected to be a total loss. 
My payoff amount is much less than the current vehicle payout, approximately XXXX us dollars. 
The bank is keeping all funds over what I owe them. 
The contract does not stipulate that they keep positive equity. 
They are denying a payoff request. 
The bank is profiting from me being victimized through a crime. 
Absolutely no support was given. I spent 4 hours on the phone being transferred from person to person. In the end, they said it's our car and our money. You were just renting it.

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 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
This is a followup to my first two complaints XXXX and XXXX submitted XX/XX/XXXX and XX/XX/XXXX. M & T failed to complete or the mortgage assumption rider for our VA loan assumption so the transaction was never recorded by the county clerk. We are being prevented from obtaining a HELOC loan because of this, with interest rates rising this is having a real affect on my finances. In addition to the chaotic disorganized process in obtaining this loan, I have had M & T pay the old owners homeowners insurance with mine and bill me for it, sent my personal information to the old homeowner, given me access to the old homeowners bank account to do an auto withdrawal from. I've lost count of the time spent correcting M & T errors, it would be easier to count in workweeks at this point.

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