vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
I had a former roommate steal my Direct Express card, call the # on the back and change my pin #, and charge XXXX XXXX XXXX of purchases then take out XXXX at the atm. Direct Express verified this themselves as they showed it was her cell # that called to change the pin and not mine. In fact it was their fraud dept that contacted me about it then sent me a statement to issue the dispute. I also filed charged with yhe police. I filled out all paperwork plus provided Direct Express with the police report but I got back the same standard letter everyone else has gotten saying my claim is denied because I authorized the charges - even though it was them that caught it in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Hi, this is XXXX XXXX XXXX 

This is what happened someone applied for a credit card account in my name online. 
XXXX allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through PayPal. 

The lender that PayPal Credit uses is Synchrony Bank I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've sent Equifax and XXXX letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've sent XXXX and Experian letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I used the Home Depot Credit card to make a purchase for my business in XXXX of 2023. In XXXX of 2023 my business tried to make a payment to this debt, and the check was sent back. My business Partner and I decided that I would make the payment from my own checking account and be reimbursed by the business. I made this payment in late XXXX after I was informed that the original payment was rejected. For some reason, This payment was applied to the wrong account. I called to fix this on XX/XX/XXXX and was assured that the {$200.00} payment that I made was applied to the write account. On XX/XX/XXXX I got another delinquent notice. I called on XX/XX/XXXX and was told that the money was transferred but not applied to the amount due. While on the phone I was assured that the payment would be applied to the amount due and my next due date would be XX/XX/XXXX. On XX/XX/XXXX I got notified that a delinquent notice was put on my credit report. I called again and Home Depot said that it would take five days to get the payment applied to the amount due. I asked that the delinquent notice be removed from my credit report. After many calls, someone finally said that they had put in a request to have the delinquent notice removed from my credit report but that it would take 14 days. Right now my credit rating is XXXX points lower and I have to wait 14 days for it to change. This is frustration and I want people to know about this practice at Home Depot Credit Services

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 2023-10-22 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
To whom it may concern, This letter is to express my dissatisfaction with Wells Fargo 's credit card dispute practices and customer service. I don't check my Wells Fargo credit card account regularly. One day, I realized there was a charge totaling {$1600.00} from XXXX I called XXXX to report the charge which I didn't authorize for. They said they can not refund it even though it was a fraud charge. Then, I contacted to Wells Fargo on XX/XX/2023, to dispute the fraudulent charge. They credited the full amount 2-3 days after my call. Then, I saw bank adjustments charges of {$190.00} and {$360.00} on the XXXX of XXXX. I called the bank to ask about those charges. They said that XXXX  refunded the money, because of that, there are adjustments. In XXXX, when I log into my account to schedule payment for my credit card. I noticed that the total balance is quite high. I checked the activity and saw that there was a charge " bank adjustment '' totaling {$1000.00}. XXXX. I called three times to ask about for this charge. I was told that this was the rest of the XXXX XXXX charge they credited, so Wells Fargo is charging for the fraudulent activity in my account. I don't have any evidence or any supporting documentation for their decision. They didn't help me with the fraudulent charge, on top of of that they didn't even bothered to follow up with me. I was proactively following up with them, although no one could even answer my questions. XXXX of their customer respresentatives hang up on me. The other customer representative misinformed me, basically lied to me saying that XXXX is paying me back, and it is a pending transaction, that is the reason why I don't see it in the activity center. It has been a week since my last contact and I haven't seen an incoming fund so far. Wells Fargo unprofessionally mishandled my situation and failed to resolve the fraudulent charge. 
Sincerely

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 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I pulled up my credit report on XX/XX/XXXX in I noticed an account from Midland credit management- XXXX. I have never entered into a consumer credit transaction with this company. I asked for proof that I owe this company this alleged debt, I never received anything from them. I also noticed that the start date for this account is XX/XX/XXXX which makes no sense because I never got a chance to dispute this alleged debt before it being furnished on my consumer report. If the company can not provide sufficient evidence and the method of verification for the account then it should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
After reviewing my credit file on XX/XX/, I identified a discrepancy with account listed under Lanier Collection Agency and Services , Inc. I requested validation on XXXX  as this was not an account that I recognized. On XXXX they responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XXXX  and this account continues to reflect on my credit report. On XX/XX/, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I had 141 unauthorized transactions on my cash app account. All of these transactions said they initiated from XXXX and were between $ XXXX {$4.00} for a total of almost {$250.00}. I contacted cash app support to advise the charges were unauthorized. I was told that I would need to dispute the charges and sent a link. 

I submitted the dispute advising there were 140 identical charges. After a few days I contacted support again and was told that the dispute could take up to 45 days but usually takes about 10. During this conversation with XXXX I was told that there were too many transactions for him to handle by phone and I could not reach someone in their disputes department directly nor did my issue meet their requirements to speak to a manager & the only thing I could do was wait. I reached back out to support via the chat in the app and reached the same individual who told me the same thing. 

Today I received an email that the dispute was resolved in my favor and 1 of the 141 charges was returned. When I reached out to customer support to find out why, I again reached the same XXXX agent who advised that I would have to dispute each transaction, they take between 10-45 days to investigate and that I cant dispute another transaction until the first is resolved. So essentially it would take XXXX days to get my money back for charges that can easily been seen by their time stamps that they were done by an automated system or bot. 

Ive contacted XXXX and they confirmed they dont even have this card number on file nor were these charges initiated by them. 

To go in and look at SO MANY of the exact same charges and only refund one as unauthorized is deplorable business practices and not a company I would want to do business with. Cash App is well known for being hacked and the system for scammers across the world. At this point I want to close the account and have nothing else to do with them but I cant even do that because when they finally resolve this matter, the funds will be deposited back into the same account and I will be on a mad dash to transfer them before they are scammed again. 

Theres no way this company should still be in business! Though they have clearly paid for their 5 star rating on the XXXX  website, the XXXX complaints and XXXX star reviews make it clear that this is definitely patterned behavior for this business and they should be investigated for financial theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called XXXX XXXX durning Covid and the company stated I wasnt to worry that I would be covered until the worst day came and I had a wreck. I called them and they did not help me. It left me with a total lose and now I owe the loan company and the person whos car I hit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/ I contacted Bank of America to let them know that I was having an issue with a continuous pop up about a gift card that I redeemed for {$3.00}. I never redeemed it as a gift card but rather as a statement credit and even though they applied it as such it is still popping up as a gift card and no matter how many times I try to hide the pop up I am unable to do so. I did speak to a representative earlier, although it took me quite some time to reach someone, she said she was sending me an email to let me know how to edit my notifications but I have been unable to do so. This is unacceptable and I want to get rid of this pop-up card which is quite annoying.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had a mortgage with XXXX atXX/XX/XXXXXXXX, Ohio XXXX and filed aXX/XX/XXXXbankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called XXXX and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have mailed letters to The Department Of Education Default Resolutions Center as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XX/XX/XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted 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 2023-10-22 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: T.S. Holdings
State: IL

Complaint narrative:
It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 

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 : States a consumer reporting agency can not furnish a account 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 2023-10-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XX/XX/XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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:
According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 12 U.S. Code 582 - Receipt of United States or bank notes as collateral. No national banking association shall hereafter offer or receive United States notes or national-bank notes as security or as collateral security for any loan of money, or for a consideration agree to withhold the same from use, or offer or receive the custody or promise of custody of such notes as security, or as collateral security, or consideration for any loan of money. Any association offending against the provisions of this section shall be deemed guilty of a misdemeanor and shall be fined not more than {$1000.00} and a further sum equal to one-third of the money so loaned. The officer or officers of any association who shall make any such loan shall be liable for a further sum equal to one-quarter of the money loaned ; and any fine or penalty incurred by a violation of this section shall be recoverable for the benefit of the party bringing such suit.

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 2023-10-22 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: MO

Complaint narrative:
According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 12 U.S. Code 582 - Receipt of United States or bank notes as collateral. No national banking association shall hereafter offer or receive United States notes or national-bank notes as security or as collateral security for any loan of money, or for a consideration agree to withhold the same from use, or offer or receive the custody or promise of custody of such notes as security, or as collateral security, or consideration for any loan of money. Any association offending against the provisions of this section shall be deemed guilty of a misdemeanor and shall be fined not more than {$1000.00} and a further sum equal to one-third of the money so loaned. The officer or officers of any association who shall make any such loan shall be liable for a further sum equal to one-quarter of the money loaned ; and any fine or penalty incurred by a violation of this section shall be recoverable for the benefit of the party bringing such suit.

Company response to consumer: Closed with explanation