vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XXXX XXXX, issued a refund of {$150.00}, {$75.00}, {$20.00} and {$20.00} on XX/XX/XXXX. Reviewing my transactions on XX/XX/XXXX, I found two additional {$20.00} charges and emailed Barclay. Barclay then made corrections; posting two {$20.00} credits to the card on the XX/XX/XXXX. Notes were put in the system regarding the {$150.00} and {$75.00} dollar credit however as of today those credits have not appeared on the account. My concern is, I have exorbitant interest rates on all my credit cards so interest is costly. I emailed Barclay and requested for timely processing of all the XX/XX/XXXX credits however seven business days later - no resolve. In addition, the two charges of {$150.00} on XX/XX/XXXX and XX/XX/XXXX still have not been credited to the account from 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 2022-03-13 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: PA

Complaint narrative:
I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.

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 2022-03-13 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: PA

Complaint narrative:
I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TN

Complaint narrative:
Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.

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 2022-03-13 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: TN

Complaint narrative:
Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.

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 2022-03-13 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: TN

Complaint narrative:
Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: OH

Complaint narrative:
In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXXXXXX, XXXX, 2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 an 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 explanation
Consumer complaint received 2022-03-13 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-13 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent out a letter to Trans union, XXXX and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.

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 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This debt was paid in full and needs to be removed and deleted due to inaccuatacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was emailed through the school system of Oregon XXXX that a remote job opportunity was available paying {$350.00} a week, as an assistant to a professor. I responded showing my interest. On XX/XX/XXXX They said the next step to acquiring the job was to make a list of supplies that I would need as an assistant. A laptop, a printer, a stack of papers, and a self-inking date stamp. They sent me a Bank XXXX XXXX check for the total amount of the supplies plus first weeks pay. {$1000.00}. I thought I had a job. The check was being processed, but I had {$400.00} immediately available. I was asked by the professor to send {$680.00} through XXXX to a sales representative for them to purchase the printer and self-inking stamp. I thought that if anything were to happen and the job didn't work out I would only lose around {$280.00}. I tried to send the transfer. Wells Fargo properly flagged it down. I received a call from customer support for Wells Fargo at XXXX PM on XX/XX/XXXX. The person on the other line asked if I knew the person I was sending the money to. I replied no. The person on the other end got impatient, " Well did you authorize the transaction? '' This is where I think they made a big mistake. The operator just wanted me to say enough to cover Wells Fargo in the case of fraud. It was not their intended purpose of keeping people 's money secure by asking more questions and making sure this was not a scam or fraud attempt. After the funds were sent I was more hesitant to send more money. The check was said to clear on the XXXX the XXXX funds didn't send until the XXXX. On the XXXX, I realized I was scammed and took screenshots of all the conversations. On the XXXX, the day after the funds were sent, I called Wells Fargo to file a fraud/scam claim. They took down this information and said they filed a claim. It is XX/XX/XXXX and I have received no communication from them. I have since changed my passwords, username, and turned off digital wallets, but there should have been more done by Wells Fargo. Especially considering how close the date of the claim was to the sending of the money. 

Attached is screenshots I took on XX/XX/XXXX of all the messages both over email and text. There are also two screenshots of the calls between myself and Wells Fargo.

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 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: NY

Complaint narrative:
I XXXX XXXX XXXX was denied an extension of credit by U.S. Bank on XXXX XXXX for a consumer credit transaction thru XXXX XXXX XXXX XXXX XXXX. It is indeed against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). U.S. Bank assumes civil liability pursuant to 15 U.S. Code 1691 ( k ). U.S. Bank has violated my federally protected consumer rights. 15 U.S. Code 1681m, 15 U.S. Code 1642, 12 CFR 1002, I have proof and evidence of U.S Banks discrimination in the letter dated XXXX XXXX making U.S. Bank criminally liable. THIS WILL BE CONSIDERED AN UNAUTHORIZED USE SINCE I HAVE RECEIVED NO BENEFIT!

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 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Was contacted about a medical bill from 2015 wanting payments. I didn't know I owed this. Have not received and bills or communication from the medical bill in the 7 years never have had this happen so don't know how to proceed. I can't have my credit demolished because of something I didn't know I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
I was employeed by a company and had insurance that covered everything from XXXX. I can most certainly pay {$31.00} but I don't owe it. I was covered by my insurance in XX/XX/2021. 
If you can show me that it was truly not paid I will pay this in full immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I sent Arcadia an Accord and Satisfaction letter in XXXX and also in XXXX along with a {$150.00} money order to settle the debt being showing on my credit report. Along with the check was an agreement that if they cashed the check they agreed to remove the account from my credit report and report that I owe them nothing. I also wrote on the back of the check under the endorsement line the agreement. The check was cashed XX/XX/XXXX and I am still seeing this account reported on my credit report and stating I owe them {$390.00}. They have violated my rights and have violated our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have already put in an inquiry with complaint number XXXX. I was suppose to receive a check for {$53.00} and did not receive it yet. The gift was for my granddaughter and she is still asking for it still. I have waited patiently for pay pal to send it but still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX, XXXX and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( Navient ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted Navient, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Business Checking Account with Bank Of America and the balance in my account was low however I made a couple transactions and the account never went in the negative but I still got hit with a {$35.00} Overdraft fee. I do not agree with this at all. This is legalized theft and I want my {$35.00} to be refunded to me immediately. Customer Service and at the branch level are telling me they can not reverse the fee because I already had a reversal in the past. Well each situation is different isnt 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 monetary relief
Consumer complaint received 2022-03-13 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
The following informations apply : Purchases made total {$2300.00} Fees charged {$270.00} Interest charged {$220.00} Credit given {$110.00} Payments made {$710.00} ( breakdown {$170.00} and {$360.00} taken from XXXX, XXXX XXXX XXXX XXXX account {$120.00} and {$62.00} taken from Hawaii XXXX XXXX Payment made to Barclays were unauthorized because I did not authorize the payments. Inquiry from XXXX, someone from Barclays could have solicited the account and routing number for payment. The reason for not paying was no statement received. Barclays claimed I signed for paperless and statement sent via email but not a single email was received. Barclays sent me 4 sets of statements in 4 envelopes of different dates on XX/XX/2022 after making complain. There were 3 accounts involved ending in XXXX and XXXX which I am not fully aware of and Barclays claimed due to cards lost and fraudulent transactions. I have talked to several Barclays personnel to name like on XXXX XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( security dept ) XXXX and XXXX XXXX. On XXXX XXXX I talked to XXXX XXXX with ID no. XXXX and a manager by the name of XXXX in XXXX XXXX, I believed XXXX XXXX, Nevada for this problem to be solved. Please be informed that all of the times were all military time cause it is easier to tell if am or pm and I am a retired military. I proposed to the manager I am willing to pay in full everything I owe to resolve but I was disappointed. The phone no. I called was 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 monetary relief