vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
CFPB + TransUnion XXXX XXXX  XXXX, Sometime on XX/XX/2023 or XX/XX/2023 TransUnion removed me as an authorized user, on a XXXX Credit card, I was an authorized user on. 

I called into TransUnion several times on XX/XX/2023 - In dispute resolution I spoke with XXXX XXXX XXXXXXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX - In dispute resolution I spoke with XXXXXXXX XXXX XXXX XXXX No one could help me at dispute resolution at all. 

- In special handling I spoke with XXXXXXXX XXXX XXXX XXXX who could not help me. 

- In special handling at XXXXXXXX XXXX I spoke with XXXX- with file # XXXX - who told me to call XXXX credit cards to have them do a " reinsertion '' for me as an authorized user back onto the credit card specifically for the credit reports. 

- The person who's card I am an authorized user on, XXXX XXXX, called XXXX, spoke with XXXXXXXX XXXX XXXX XXXX, and she reinserted me as an authorized user. 

I am asking for this to be handled immediately as TransUnion mistakenly removed me as an authorized user - they claimed I disputed being an authorized user on the account ( posted on CFPB # XXXX ) - which I did NOT dispute being an authorized user on the account - TransUnion simply did not report all payments on the account correctly and I asked them to do so. 

Attached to this complaint are : - My drivers License - My social security card - My mailing address - My credit report section on XX/XX/2023 that showed the XXXX card I was an authorized user on with account number

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX taking payments out that were Not Approved for XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 XXXX $ on XX/XX/22 Overdraft fee 3 times for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 XXXX again for XXXX $ on XX/XX/22 & XXXX $ on XX/XX/22 Overdraft fee for XXXX XXXX XXXX times on XX/XX/22 None of these transactions were approved and now my account is overdrawn so much money and I can Not use my debit card for important things now... I spoke with wells Fargo but they are not doing anything about 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 non-monetary relief
Consumer complaint received 2023-01-24 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: MO

Complaint narrative:
I am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a confused consumer because I filed a dispute with the credit bureaus ( XXXX, XXXX, & Experian ) and these XXXX XXXX XXXX companies XXXX XXXX XXXX XXXX and XXXX XXXX Management because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX, We chose the best center seats with full view of center stage and paid in full {$1500.00} online at XXXX for 4 tickets for XXXX at XXXX XXXX in DC XX/XX/XXXX, We printed the tickets from the sales confirmation email just minutes before the show, they are the worst seats in the XXXX XXXX, only XXXX of the center stage can be seen. They are not the full view of the center stage seats that are written in the email of the sales confirmation from XXXX. 

The total value of the tickets is {$510.00}. Copies of the value & seat number of each ticket are in the attached image files. The image file of the sales confirmation is also attached. 
The total markup is {$1000.00}, staggering 2 times more than the ticket value, its a crime to steal money this way. It looks like a online tickets scam. 

XX/XX/XXXX, I reported the dispute to Chase at XXXX, Chase refused to refund. 

Solution request : {$1000.00} to be refunded as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the Apple employee and I spent considerable time confirming my email address. When I receive the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the convoluted process of setting up the XXXX XXXX and then provided me with detailed instructions for making payments by check through the mail. None of the information I received at the Apple Store turned out to be correct. ( 1 ) In order to function properly your XXXXXXXX XXXX must match your current email address. This fact was not conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically despite their claims to the contrary. ( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind. In order to get a statement cardholders have to call customer support and request one each and every month. While this may technically be in compliance with current Federal law, it does not satisfy the spirit of the law. ( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing banking information with an App on my phone. ( 4 ) Heaven help the poor soul who, after charging multiple purchases to their Apple/GS card, discovers that they have lost their XXXX and with it their only means of making payments or even contacting customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING A INCORRECT DATE OF LAST PAYMENT AND A INCORRECT BALANCED OWED. 

XXXX XXXXXXXX

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a co-signer on a 2021 XXXX XXXX, my mom was the signer. I was struggling with financial hardships and didnt have phone service in the month of XXXX when I got a text from my mom stating wells fargo wanted to repossess the car. I asked her to call and ask what we can do to stop that and they told us to make a payment of {$800.00} and that they would pause the repossession. I got up the money and I made the payment by XXXX. XX/XX/XXXX came around and around XXXX they came and took my vehicle. When calling WF they stated that they were so sorry that happened, and that theyd put it under review. We called again, they asked us to make another payment to get the car back but it was still under review. Called a couple days later & come to find out, they didnt put it under review they went off and sold it and it was too late they were just trying to get more money from me. They put in an incredibly horrible bind and I am now without a car and unable to go get another one due to this. What a horrible corporation.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Some opened an online account with Bank of America twice in XX/XX/2022. Both times I was told the accounts were closed. I received a credit card in the mail yesterday for being a " valued member ''. I did not authorize this and I do not have an account. Bank of America has given me nothing but the runaround since this fraudulent activity has taken place. They have yet to resolve anything.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/2020 I applied for XXXX, received my card along with my XXXX  payment of {$200.00}. Spent it on bills and certified for my weeks available. My weeks that I certified ending up being stuck on pending for some months ( which I didnt find out until recent ) I ended up loosing my entire wallet around that time and having to cancel all my credit cards. Never thought to call about the prepaid XXXX card because I assumed it was empty. 
I ended up surviving on XXXX off jobs throughout the entire pandemic. 

Fast forward to recently I lose my job again due to our companys relocation, I Re Apply for XXXX. When I log in to re apply I noticed that my pending weeks had paid out, called XXXX about and they told me to call Bank Of America Prepaid Services Because my funds should still be in the account I reached out to Bank Of America Regarding My Account and they let me know that someone had fraudulently drained my entire card, they informed me of their claim process and how Regulation XXXX Requires them to provide me a temporary credit after XXXX business days. The claim came out to just under XXXX dollars ( mind blowing ) They mailed me a new card and told me check my balance everyday to make sure I receive my credit. 

When I activated the new card I checked all the previous transactions on the account and sure enough it was drained down to XXXX cents, but I also noticed that alot of the transactions were ATM Transactions, a lot of them being Bank Of America ATMs at that. 

Why hasnt Bank of America accessed the ATM Footage? Because they know it will prove that I was robbed. 

I filed my claim with Bank of America on XX/XX/XXXX. Today is XX/XX/XXXX and Bank of America employees are telling me that they dont understand why I havent been provisionally credited and that on their computer my claim status has been pending provisional credit since the XXXX. 

They claim that their Back Office handles the credits and that they have sent numerous letters to them requesting that I be credited. 

When I called this morning I was told since the back office is overflowed with papers I wouldnt expect to see a credit for at least another XXXX  days. 

This a clear violation of Regulation XXXX and XXXX  XXXX XXXX employees have admitted that on multiple occasions. They are attempting to use the entire XXXX  days allowed for their investigation without providing the temporary credit. 

I am currently being evicted, I also have nothing to eat. 

Please reach out to Bank of America and rectify this situation immediately. 

ATTN : Bank Of America Prepaid Claims Claim Number : 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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On or about XX/XX/2022 XXXX was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a {$1100.00} bal ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough. I'm not asking for freebies, just a realistic amount of time ( up to social security etc... not to be punished. I guess I'm supposed to rob a bank or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to appease them. For the record, this one is funny. They are from XXXX but show up local but say to call a different number. All are always robo calls. Is this so they can say they are not calling daily?

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 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: WA

Complaint narrative:
Applied for mortgage relief under the CARES Act but after being interrogated by HomeLoanserv in XXXXXXXX XXXX ( XXXX ), I was denied. On XX/XX/2022, I forwarded a letter to XXXX XXXX XXXX XXXX, President informing them that It is my understanding of the law that as long as your request is XXXX  related mortgage companies are obligated to provide assistance under CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX, I acquired a XXXX XXXXXXXX XXXX for personal use in the amount of {$18000.00}. A promissory note was signed and exchanged with Ally Financial for the vehicle. I was unknowingly ushered into an investment with Ally Finacial, then coerced into pledging my labor and vehicle as collateral under the threat of repossession if I did not comply. Ally Financial misrepresented themselves as " lenders '' in this transaction. I have never received a loan from Ally Financial. As a result, I have been defrauded {$15000.00}. On XXXX, Ally Finacial sent a text message threatening to repossess my vehicle. These abusive tactics have caused harm and anguish, as it appears I have been subjected to peonage by Ally Financial. It is my understanding that under a wagering monetary contract, after 3 years the bonds must be broken by the Comptroller of Currency. Ally Financial has deprived me of my labor for 6-years and now threatening to deprive me of my property without due process.

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 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
FOR XXXX MONTHS WELLS FARGO TOOK OUR PAYMENTS AND NEVER APPLIED THEM TO OUR ACCOUNT. I CAME HOME FROM WORK ONE DAY TO SEE WE WERE SERVED BY A MARSHALL WITH FORECLOSURE PAPERWORK. MY HUSBAND AND I WENT THROUGH MONTHS OR FRUSTRATION, ANGER, SICK TO OUR STOMACHS BEING TREATED SO POORLY BY WELLS FARGO. THEY DENIED EVERYTHING EVEN AFTER WE SHOWED THEM OUR BANK STATEMENTS THAT THEY TOOK OUR MONEY EVERY MONTH. WE MISSED WORK. WE GOT AN ATTORNEY. I SAW THE ARTICLE ON XXXX ABOUT " WELLS GARGO MIGHT OWE YOU MONEY '' THEY SURE DO AND I HAVE PAPERWORK FROM COURT AND EMAILS TO PROVE IT. WELLS FARGO RUINED OUR 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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from first national bank of Omaha. I contacted first national bank of Omaha and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed XXXX  XXXX  to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to XXXX  XXXX. I am trying to have this resolved appropriately and removed from my name.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was hit with massive amounts of overdraft fees from XXXX until XXXX. Any time I called about it, I was given a run around which only confused me. I have since closed my wellsfargo accounts.

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