vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My WELLS FARGO ACTIVE CASH VISA CARD ... XXXX Has a scheduled automatic payment. 

The amount is described : " $ XXXX $ XXXX '' The disclaimer states : " *An amount within this range will be sent as your automatic payment. Any additional payments applied on or before your due date will reduce the automatic payment amount. '' This payment description is vague, ambiguous, unclear, incorrect, and does not guarantee that the last statement balance will be paid. 

By contrast, my other credit card, shows a DIFFERENT description for the automatic payment. 

WELLS FARGO AUTOGRAPH VISA CARD ... XXXX The amount is described : " Last statement balance* '' The disclaimer states : " *You have selected the Last Statement Balance option. The automatic payment amount will be shown on your next statement. This amount will be reduced by all payments posted before your automatic payment is processed on your due date. If these payments meet or exceed the automatic payment amount, no automatic payment will be sent. '' Wells Fargo claims that both of these accounts are set to automatically pay the " last statement balance. '' Nonetheless, the payment amount displayed to me for card XXXX shows a range of {$0.00} {$35.00} and does not state " last statement balance ''. This range of payment does not provide confidence or guarantee that it will in fact pay the full statement balance. 

Wells Fargo could not fix this problem. Wells Fargo stated their internal systems show the {$0.00} {$35.00} payment range is displayed as " last statement balance '' in their system. 

The Wells Fargo online portal for credit card automat payments is misleading, inconsistent, and deceptive regarding my card ending XXXX. 

My case ID for this interaction is XXXX. 

I was promised a case manager would respond within 10 business days.

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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
These individuals persistently disregard my explicit request to cease contacting me, despite my clear communication that their actions feel like stalking and harassment. Their conduct demonstrates a blatant refusal to adhere to both federal and state laws governing their operations. Moreover, they have repeatedly contacted my previous phone number, even after I explicitly instructed them to stop doing so. In a further intrusive and unsettling move, they obtained my new phone number from a list, seemingly with the intent to continue their harassment. 

To counteract their disruptive behavior, I have taken the precaution of blocking several of the numbers they employ for spoofed calls. For reference, here is a list of recent harassing calls from Portfolio Recovery : XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery contacted me from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery reached out from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery made contact from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery attempted contact from the number XXXX. 
XXXX. Again, on XX/XX/2023, at XXXX XXXX, Portfolio Recovery called from the number XXXX. 

I am deeply concerned about their persistent disregard for my request to stop contacting me and their apparent intent to evade my efforts to block their calls. This situation has created a significant disruption in my daily life and well-being. I seek your assistance in addressing this ongoing harassment and ensuring that my rights are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Received call on XX/XX/2023 from branch manager stating that there was an issue with my type of address. I explained that I have had to travel a lot for my job and live in an RV. I've used XXXX  boxes for my address given that I have to move RV lots often. 
She understood and said she would make some calls to figure out what could be done for my situation. She said I would still be able to use my account for the time being and they would reach out to me after they found out more. 
On XX/XX/2023, my debit card was declined even though I had sufficient funds in my checking account. I called customer service and they told me the hold was due to the address issue and I would have to go into a branch to get it resolved. I made an appointment with a local branch. One of the bankers called me for more information regarding the appointment. I reiterated my situation to him. He said he would make calls to find a solution. He called back and said that I had to provide a physical address and provide proof like a bill that would have the physical address and my name. He also referenced letters the bank mailed but I never received regarding this policy. I do not have anything that would fit those requirements, other than my XXXX box. I was able to print my latest invoice from my RV Park but that was not good enough because it was a business address and not from the last 15 days or on official letterhead. I asked if they could at least lift the hold temporarily to get some cash from my account so that I can get some cash to get gas so I would able to go home today. They said yes that shouldn't be a problem. When we went to do the transaction, the banker said the system wasn't letting him do it and there was nothing they could do. I asked if I were to close my account, would I be able to get a check with my funds on it. The bank informed me that with the hold and without the physical address, I am not able to do anything. I am not even able to close the account. Ultimately, I have no way of accessing my funds without submitting a qualifying physical address and qualifying documentation, which would be reviewed. Once reviewed and the address is verified, then I would be able to close my account.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I filed a dispute on a transaction made in XX/XX/2023 with Citizens bank in the amount of {$620.00}. I paid for XXXX concert tickets and the tickets were invalid/fraudulent. Citizens bank has NOT provided me a provisional credit and it has been over 10 days from the date I filed a dispute!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX in XXXX Texas over 3 years ago. When I vacated the apartment I had documentation that I had paid the apartment complex the full and complete amount that was owed. I was never contacted by the apartment complex after I moved out. However almost 3 years after I moved out I got a notification that there was a collection placed on my account. I spoke with the debt collection company who refused to furnish proof that the debt existed, all they would do is tell me that the delinquent amount was from an unpaid utility bill. They directed me to speak with the apartment complex. I spoke to the apartment complex who was unable to locate any records that this debt existed or was owed by me. I have disputed this inaccurate and false collection with all three credit bureaus and it was successfully removed from both XXXX and XXXX. The debt collector refuses to remove this same collection from my XXXX report even though they did remove it from the other XXXX. I have also filed a complaint with the XXXX in an attempt to get this collection removed from my XXXX report. I have provided written documentation from the original creditor, XXXX XXXX  XXXX XXXX XXXX, which clearly states that they have no record of this debt. 
I have requested numerous times that the debt collector furnish the documents they possess that substantiate this debt. They are legally required to provide these documents upon request and they have failed to do so.. Rent recovery solutions is in violation of the Fair Credit Reporting Act. That action might constitute fraud and disparagement of credit under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I reached out to the company and asked for a pay off balance the add me do another application to try to get an additional loan/ refinance the previous loan to pay off the old loan. Try told me that I will need add an additional collateral as well I only qualified for a little amount which wouldnt even cover the previous loan. I was told that the could lower my monthly payment which I had monthly payments but I paid by weekly so therefore the amount I paid never seemed to go down. I was told that if I paid by weekly I would pay the amount down faster which was a lie. I think I paid this loan for XXXX  year straight and the amount never went down. The interest is out rages I then wasnt able to pay doing it Covid. They called me several times to try to get me to modify the loan which kept me applying my credit score down and I was never approved and when I was approved the amount what wasnt. Enough to pay off anything so it still left me in the negative or should I say behind?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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 rights 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 written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A fraudulent account was opened in my name that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Me and my XXXX siblings were given a check in an amount over {$10000.00} from a family friend. On XX/XX/2023 I walked into PNC Bank to open up a bank account and use that check as my deposit. The process went well but that evening I got a text stating that the check will be put on hold until five business day. I received a letter dated XX/XX/2023 stating that my check would be released the fifth business day.On the six business day, my check was not released which made it XXXX XXXX. When I asked why they are saying that theyre going to hold it for another five business days and that they need to get in contact with the person who issued out the check then they gave me a reference number stating that I call ( XXXX XXXX XXXX XXXX the bank who it initially came from to call PNC XXXX they are also telling me if they never get in contact with the person who issued out the check, they will hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I am being charged interest through my servicer but not through student aid site. Servicer does not have accurate info regarding payment plans accounting for my new consolidation rate reflecting incorrect monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT FIRST XXXX XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX5 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Due to my previous correspondence concerning inaccuracies within my credit file, Transunion has regrettably declined my request for a copy of my credit report. I find myself presently barred from accessing this information online, which has created an urgency in obtaining my credit report, as I am in the process of applying for a mortgage.

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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I received XXXX emails from Venmo on XX/XX/2023 that stated a total of {$79.00} was being disputed by the sender because they did not mean to send the money. However, I was in front of the individual while they sent me the money on Venmo to pay for their food. The Dispute ID from Venmo is : XXXX for {$50.00} transaction date of XX/XX/2023. The second Dispute ID from Venmo is : XXXX transaction date XX/XX/2023. Venmo claimed that they disputed this chargeback with the bank because " This transaction was not marked as eligible for Purchase Protection. I told Venmo that the sender called me personally and told me that he had overdrafted his checking account and told his bank these were fraud charges so he could receive the money back from Venmo. Now on XX/XX/2023 Venmo emailed me and said that the financial institution decided in the sender 's favor and there is nothing Venmo can do. My account balance is now negative {$79.00} on Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XX/XX/2023. Inquire done for credit card, I already have a XXXX XXXX XXXX  account. This application on this date ( XX/XX/2023 ) was not done by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
I recently pulled all three of my credit reports and noticed that XXXX XXXX attached my bankruptcy to my report without permissible purpose and they have caused me and my family undue burden and stress and have violated 18 U.S. Code 1028A - Aggravated identity theft. I contacted the u.s bankruptcy court in XXXX XXXX and they provided me a letter stating they do not furnish the bankruptcy information to the consumer reporting agencies. I am expecting this to be removed from my reports immediately and the agencies to send me an updated report showing the removal of the bankruptcy.

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 2023-09-21 00:00:00
Product: Credit reporting 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: MD

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.

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 a 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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.

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 a 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 response to consumer: Closed with non-monetary relief