vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
To whom it may concern I have did a little bit more research and investigation into account XXXX Wells Fargo I had filed many complaints and disputes against your bank regarding credit reporting and I do believe that you are in full violation of the FCRA on multiple violations and I am writing to put your office and organization on full legal notice as well as all three of the major credit reporting agencies that will be attached to this particular and my final dispute to you before taking legal action. I asked you to review on your Company letterhead dated XX/XX/XXXX in which you stated that you would notify each credit reporting agency have an update in which the law requires you to if you review the credit report the required notice of dispute is missing there was no update you fail to notify the credit bureau that the consumer dispute and you have 30 days to do so if you review the credit report XXXX shows no dispute remarks at all 2 ) if you review experience credit report you will see the last dispute was conducted and on XX/XX/XXXX XXXX as well show the last update XX/XX/XXXX based on factual information that Im providing to you today shows that you did not notify the bureaus of any investigation that I dispute it with you the law requires you to notify the bureaus within 30 days of your investigation and as you can see you fail to do so which puts you in violation of the FCRA and I order in demand you to delete this account immediately or face consequences this is not a threat this is a promise remove this immediately have the bureau send me an updated credit report showing the deletion I think you for your full cooperation but Wells Fargo the law is clear and Im a law Biden citizen and I will continue with legal action thats why the credit bureaus has been notified on this same complaint/dispute that you are receiving right now I want it removed now I asked you to review yours full statement in your letter thats uploaded I asked that you review both credit reports dates that you failed to do your job and most importantly you failed to follow the law And please be advised that you have an active dispute that youre working on is also a violation of the FCRA and I will come after you for {$1000.00} on that one as well if the account is not moved enough is enough remove it I think you for your full cooperation and look forward for the deletion! 
The credit report date is at the very bottom of the page and please Acknowledge you see 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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I purchased a {$50.00} Vanilla Mastercard Gift Card issued by XXXX, XXXX. I was able to check the balance online XXXX time and confirm the balance of {$50.00}. The website now returns " error '' messages every time the card information is entered ... .changing browsers, clearing cache/cookies, disabling ad blocker, trying different devices, etc. does not fix anything. 

The card does not work for purchases, and customer service is unreachable via phone or possibly does not exist at all. I attempted multiple times, and each time was on hold indefinitely. 

At this point, there is NO way to use the card or contact anyone to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
My cell phone was hacked and in the time someone had access to my phone I had several charges from my bank account. My bank investigated and stated that it was indeed fraudulent charges and refunded me my money 100 %. 

The hackers attempted to purchase an XXXX and send it to a house in Florida. Again, I was able to stop that. 
They did open several accounts for Affirm Loan Services which payments are due now. 

How I found out was randomly pants showed up at my house. {$300.00} pants. I reached out to Affirm and their fraud department decided I was still responsible for said charges. I provided them with the the documentation from my bank stating the banks fraud department determined that I had had fraudulent charges around the same time as the loans had opened up. They closed out my case and XXXX XXXX a Supervisor on the Affirm Customer Care Team stated the investigation was not reviewable at this time. 

Below are the following information for the 3 accounts opened under my name without my knowledge or permission. 

Creditor : Affirm Load Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Each Payment : {$27.00} Due Biweekly Starting : XXXX Total Payments : {$110.00} Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Payment Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$100.00} Amount of Payment XXXX : {$100.00} Due Monthly Starting : XXXX Total Payments : {$320.00} Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Agreement ID : XXXX Number of Payments : XXXX Amount of Payment XXXX through XXXX : {$86.00} Amount of Payment XXXX : {$86.00} Due Monthly Starting : XXXX Total Payments : {$260.00} Please help me get this fixed. I went to the company and even though I had no knowledge or gave no one permission to use my name they are still stating I am responsible for this. I can't afford over {$600.00} in charges for pants. I'm a XXXX shopper for me and my XXXX kids. 

My XXXX  screenshots will show that at XXXX on XXXX someone had transferred my XXXX card to another Cell phone. On the same day at XXXX my sim card was transferred back. Then after that they flagged my account for all XXXX card transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

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. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A 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 explanation
Consumer complaint received 2022-12-29 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: BOK FINANCIAL CORP
State: OK

Complaint narrative:
'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my XXXX XXXX Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks. 
'Statement that the inquiry remains in my XXXX XXXX for up to ( 3 ) years or until " the Bank of Oklahoma and the Bank of Oklahoma only!!! makes ( Verbal or Written request ) to XXXX for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and XXXX ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the Bank of Oklahoma was as to why " I have a Security Freeze and Fraud Alert in place on my XXXX Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX Bank during the last year because " the Bank of Oklahoma refuses to remove the Inquiry on my XXXX Consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I'm sending this letter to get inaccurate information removed that's reporting to XXXX and Transunion. I've tried to have XXXX XXXX, XXXX and Transunion to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I'm sending this letter to get inaccurate information removed that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX, Equifax and XXXX to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Aspire Credit Card has an issue applying payments. Mailed a payment from my bank on a XXXX and payment wasn't applied until 15-20 days later. When call customer service is rude. Have been assessed late fees and had credit score affected by the delay of applying payments.

Www.aspire.com Card issues by XXXXXXXX XXXXXXXX XXXX XXXX  through XXXX This credit card is a disservice to anyone trying to rebuild their credit. What a disgrace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
My mortgage company has tried to get my credit report but can not. There is no freeze or fraud on the report or anything. I called their agent numerous times and they said my account was being worked on, they do have my birthdate wrong, it should be XX/XX/1946 instead of XX/XX/1946 and the agent said he would correct it. All I want is Equifax to release my information when all the requirments are met. By not releasing my information, they have already ruint my XXXX, because of no bureau report to complete approved loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted to open a checking account with Capital One without success. ( I am an existing credit card holder. ) When the account was denied, I contact customer service by telephone. Ultimately, I was advised that I could not open and account due to a business decision based on negative information associated with an account with ING Direct from 2012. 

I requested specific details of the negative information or a written denial with details. To my recollection, my previous ING account had been closed when Capital One acquired ING Direct due to a balance below the minimum requirement ; however, I have no additional detail. I was advised by the customer service associated that all information from that long ago had been purged from the system Capital One system. 

Given the lack of information and the age of the ING account, I asked to open a checking account in light of my Capital One credit card account in good standing. I was advised that I would not be able to resolve this issue regardless of my Capital One account. I was also advised that no written explanation would be provided. 

Since significant derogatory financial information is generally not considered after 7 years ( bankruptcy, foreclosure, etc ), I considered it discriminatory that I can not open a bank account 10 years after having a bank account with a balance below {$100.00}. 

I would like to request that the Capital One 's policy of applying minor negative bank account information in perpetuity be reconsidered, and examined for its discriminatory application against specific populations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS INFORMATION REMOVED IM TRYING TO BUY A HOME SOON AND THIS DOESN'T LOOK RIGHT BEEN TRYING TO KEEP REMOVING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I cancelled a XXXX  annual membership within the first 30 days of trial membership. Since XX/XX/2022 Ive been disputing the monthly fee. In addition, due to frustration and unresponsive customer service I told them to cancel the credit card. That didnt happen and every month Im forced to follow up with an unanswered dispute.

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 2022-12-29 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: MN

Complaint narrative:
To whom it may concern I have did a little bit more research and investigation into account XXXX XXXX XXXX I had filed many complaints and disputes against your bank regarding credit reporting and I do believe that you are in full violation of the FCRA on multiple violations and I am writing to put your office and organization on full legal notice as well as all three of the major credit reporting agencies that will be attached to this particular and my final dispute to you before taking legal action. I asked you to review on your Company letterhead dated XX/XX/XXXX in which you stated that you would notify each credit reporting agency have an update in which the law requires you to if you review the credit report the required notice of dispute is missing there was no update you fail to notify the credit bureau that the consumer dispute and you have 30 days to do so if you review the credit report Equifax shows no dispute remarks at all 2 ) if you review experience credit report you will see the last dispute was conducted and on XX/XX/XXXX XXXX as well show the last update XX/XX/XXXX based on factual information that Im providing to you today shows that you did not notify the bureaus of any investigation that I dispute it with you the law requires you to notify the bureaus within 30 days of your investigation and as you can see you fail to do so which puts you in violation of the FCRA and I order in demand you to delete this account immediately or face consequences this is not a threat this is a promise remove this immediately have the bureau send me an updated credit report showing the deletion I think you for your full cooperation but XXXX XXXX the law is clear and Im a law Biden citizen and I will continue with legal action thats why the credit bureaus has been notified on this same complaint/dispute that you are receiving right now I want it removed now I asked you to review yours full statement in your letter thats uploaded I asked that you review both credit reports dates that you failed to do your job and most importantly you failed to follow the law And please be advised that you have an active dispute that youre working on is also a violation of the FCRA and I will come after you for {$1000.00} on that one as well if the account is not moved enough is enough remove it I think you for your full cooperation and look forward for the deletion! 
The credit report date is at the very bottom of the page and please Acknowledge you see XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  NA ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-12-29 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: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX this year i called BMO Harris Bank Cash Back credit card to order paper check for the negative amount of {$190.00} ( see attachment ) / Female named XXXX took my request and assured me that i will receive the check within 7-10 business days. Today is XX/XX/XXXX and i still don't have not check neither money on my credit card balance. 
I think that this bank uses on me it's fraud-like practice again. 
Please force them to give me my money.

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