vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXXnd I got a fake call from a Wells Fargo in Georgia saying that a XXXX XXXX is trying to do a wire transfer from my bank account. I said I didnt authorize this. They made me believe that this was Wells Fargo. The fraud alert they sent me was from a text now phone number. I was thinking that the wire transfer wasnt going to go through but it did. They got me for {$6300.00} and my bank is refusing to give me my money back. They asked for my password because they said my account was compromised but I swore that it was Wells Fargo. I filed a police report in XXXX XXXX and Georgia.

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 2021-11-05 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: NY

Complaint narrative:
I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: NY

Complaint narrative:
I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was booking airline ticket via XXXX XXXX website on XX/XX/XXXX following offer showed up. Please refer to attached document ( screen print taken from XXXX XXXX website ). I applied for credit card as per offer then after meeting requirement when I didnt see the credit of {$250.00} and XXXX bonus miles reached to Citi credit card through which XXXX XXXX issued the credit card. 
Citi informed me since I got offer in past 48 months this offer is not available to me, however that information is not shown anywhere in the XXXX XXXX website. When I complain this issue to Citi for investigate and honor the promotion they offered me as curtsey one time they can give XXXX bonus miles. I registered complain number with citi that is # XXXX. I have not heard back from Citi until XX/XX/XXXX so reached them they Citi said we cant offer promotion since it was given in last 48 months. When I told representative, I know that is what earlier representative told me when I open my complain # XXXX my complin is to investigate issue with XXXX XXXX advertisement misleading the customer because of which I ended up opening the credit card account now Citi bank is not honoring the offer because they have different policy. After several minutes of discussion representative told me since it is from XXXX XXXX promoting go and complaint to XXXX XXXX we cant honor the offer. I need help this issue to be fixed and provide promotional offer to 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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had a loan for a purchase with Affirm and paid the loan in full. The loan was actually for an amount much higher than the purchase amount and Affirm refused to address the error. After the loan was paid, I received notice from a debt collector attempting to collect the debt. After sending them proof of completed payment, they stopped all collection attempts, however, shortly thereafter, Affirm, without any notice to me, reported the debt to my credit report and have since not been responsive. There is no public phone number to get in touch with anyone there and attempts to contact them through email only results in a generic pre-written response. I have attempted to dispute the debt with the credit reporting bureau and they refused to remove it. I have proof of the incorrect loan amount and completed payments, yet the company and reporting agencies refuse to do anything and instead, my credit has been greatly impacted negatively by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: MN

Complaint narrative:
ISSUE WITH EXPERIAN REPORT # XXXX THERE IS A HOME ON MY REPORT THAT I HAVE NO KNOWLEDGE OF : XXXX XXXX XXXX XXXX, XXXX MN XXXX THIS COMPANY BELOW HAS SOMETHING TO DO WITH THIS PROPERTY!! XXXX Phone XXXX Mail XXXX, XXXX XXXX XXXX XXXX XXXX, WA, XXXX MY NAME IS XXXX XXXX ( XXXX ) I DIVORCED : XXXX XXXX IN XXXX - HE ALSO GOES BY : XXXX, MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX MN XXXX MY SOCIAL SECURITY # XXXX DATE OF BIRTH XX/XX/XXXX my email is my only contact : XXXX MINNESOTA STATE ID # XXXX MINNESOTA DRIVER LICENSE # XXXX and XXXX this home is on my credit report, can u tell me who sold this property and who bought it. 

no knowledge of these inquiries XXXX XXXX via XXXX XXXX IN XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IA XXXX Phone ( XXXX ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( 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 2021-11-05 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: MA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ). 

That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days! 

In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have two inquiries from Citi -bank for the same day. I applied for the account, it was opened that day but I have two inquiries from the date even though I only applied once. I called and asked to have this fixed and they told me it would be handled. I then received a letter stating there is nothing that can be done. The date of my application was XX/XX/XXXX and I have 2 inquiries from that date from Citi- bank.

Thank you!

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 2021-11-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I got a letter from EQUIFAX dated, XX/XX/2021, stating At this time, is not blocking information you named in your request. So, I sent EQUIFAX a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 4th time, an affidavit of truth, two forms of ID, and a bank statement. EQUIFAX received all of this on XX/XX/2021, at XXXX XXXX Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I received an email from EQUIFAX regarding results from a dispute ( XXXX ). The dispute stated the item would remain because it has been verified which is inaccurate because all of the accounts Ive listed are part of identity theft. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, Certegy says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.

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 2021-11-05 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: WA

Complaint narrative:
I am enforcing my rights required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Bureau representatives are extremely difficult to reach. My credit score decreased approximately 150 points a year ago when my daughter defaulted on her XXXX card and they wrote the debt off. I have been increasing my score steadily since then. I have never, ever paid any account late since the beginning of my credit history. Last month, my Experian report stated that my credit limit decreased. They didn't explain who reported that information and, as I said earlier, reaching them is nearly impossible. I would like to know why my other credit bureau scores are much higher while Experian remains much lower.

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 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is Ally auto

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 2021-11-05 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: V and H Portfolio
State: TN

Complaint narrative:
Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. After reviewing the information, Im aware that the agreement ( s ) provided as supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached an identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) as my supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: IL

Complaint narrative:
I was in process of initiating two payments to XXXX XXXX. When I started typing XXXX 's name the Venmo app algorithm automatically suggested a wrong recipient : XXXX XXXX. Not paying attention, I clicked on the name that the Venmo App was recommending. I would not have clicked on the wrong name if the Venmo App had not recommended that I click on the wrong name : XXXX XXXX instead of the person I intended to send the payment to XXXX XXXX. 

XXXX XXXX is a former XXXX  I had exchanged XXXX-related emails with 5 years ago when I was attending the XXXX XXXX XXXXXXXX XXXX I never had any financial transactions with XXXX XXXX. I barely know him. I never had any transaction with XXXX XXXX using Venmo. There was no reason for Venmo to auto-populate his name in the recipient field. I think that doing so was deceptive and took unfair advantage of the fact that was not paying attention and assume that the Venmo XXXX would not mislead me. 

After realizing and immediately notifying Venmo of the error, I asked Venmo to reverse the transactions. Venmo first made me believe that they will reverse the transactions. Two days later, Venmo claimed that after mining some data about me, without my consent and without even telling me which data they mined, they noted that I have exchanged some emails with this former classmate 5 years ago and that was ground for them to deny the reversal of the erroneous transactions. 

This decision from Venmo is unfair, deceptive, and abusive. It was unfair and deceptive to use their algorithm to prepopulate the recipient name field with the wrong individual using stale 5-year-old data mined without my permission. It is abusive to harm me by refusing to reverse two transactions due to an error that Venmo Algorithm initiated by auto-populating the recipient filed with the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
I believe my personal email was hacked on or about XX/XX/2021. I usually recieve about XXXX emails a day, then I received about XXXX. One of the emails was from Bright Lending/XXXX about an effort to collect a debt. I have no outstanding credit issues that would be in collection. I called Bright Lending and told them I have received an email from them in error and I had no debt in collection. They requested my social security number, address and other information that I refused to provide. I asked how to dispute the error and I was directed to their webiste. I disputed the claim. 
On XX/XX/2021, I received an email and attachments from them indicating I owed them {$2700.00}. The attached documents include an what looks like a loan form for {$800.00} at 666 % interest, now due. There is a loan document with my name, address, and cell phone number and with no signature. I responded to the email and indicated I would continue to dispute. I did not enter into any agreement with Bright Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed this information shared with credit reporting agencies from XXXX XXXX AND XXXX XXXX  several times for an alleged debt. I have notified them repeatedly providing evidence that this account was listed twice on my report along with non consistent information and yet still and all they send me correspondence stating it is verified. One alleged debt is being reported as two alleged debts and is also inaccurate & never verified by me the consumer. It is very harmful to my reputation causing me financial harm by reporting this information that is alleged, incorrect and I have never validated this alleged debt. They state that its has been investigated but failed to provide me with the names, addresses and information used to investigate and verify this alleged debt. I am struggling with this and this is negatively affecting my life and causing me harm. Transunion, XXXX, XXXX XXXX XXXX and XXXX they all ignore, and disregard my consumer rights that they have violated and continue to violate when they keep publishing this incorrect information about 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