vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to purchase a vehicle from XXXXXXXX XXXX XXXX XXXXXXXX. 
my first initial contract with them. I was finance through a company. And I left a deposit of XXXX that I took from my account. At Wells Fargo. 
Upon discussing this issue with a sales rep, he advised me that I could go and get a loan from my bank. I did inturn contact a bank. Which is XXXX XXXX. 
They gave me an auto loan for the total amounthe vehicle. 
So in turn I request for my original down payment of {$1500.00} be returned to me now that I had a check for the total amount for the vehicle this was at XXXXXXXX XXXX XXXX  XXXX. 
So since I could not get my {$1500.00} back I had notified my bank which was Wells Fargo to stop payment and let them know that I was having a discrepancy and explain to them the situation and turned they had informed me that they was going to stop it and look into the matter so in turn Wells Fargo ask me to send all related documents which was a copy of the check which was a copy of the sale which is a copy of the receipt of the amount {$1500.00} was taken from the account to give to the dealership as a down payment and also {$67.00} now my account is overdrawn by {$700.00} and some change and that is due to Wells Fargo taking the {$1500.00} back out of the account I feel Well Fargo has not done their job and rectifying the situation this was not alone from Wells Fargo this is was my personal funds that was in this account I feel Wells Fargo is being negligence I feel discriminatory against me rather I feel that Wells Fargo did and turn help me just to in turn to say that they was not originally going to allow me to keep my money which is wrong I am requesting that Wells Fargo do another investigation I feel I would like Wells Fargo to return the {$1500.00} I did in turn went and faxed all the paperwork that they had asked me for I did in turn have to go back into the bank and have the bank to fax the paperwork off just to get a denial result out of this situation if you need more information please contact 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have paid membership with all XXXX of the major credit reporting agencies. And I filed a dispute with Equifax on an account by the name of XXXX XXXX XXXX. After the allotted investigation time of 30 days, the results was confirmed and I received notification that XXXX XXXX XXXX was removed from my account with Equifax on XX/XX/year>. I've logged into my account with Equifax serval times and verified XXXX XXXX XXXX was not being reporting on my Equifax account up to XX/XX/year>. Then on XX/XX/year>, Equifax reported XXXX XXXX XXXX back on my account with them as a new account. And it reduced my credit score XXXX to XXXX ( XXXX points ). 
I called Equifax and spoke with agent XXXX XXXX XXXX XXXX and asked for immediate correction. XXXX advised that she was a fraudulent representative for Equifax and filed another standard dispute on my behalf with a 30 day processing time. Which I strongly disagree with and believe that this should be corrected immediately. I'm attaching my before and after account summary with Equifax showing that XXXX XXXX XXXX was not on my Equifax account and then added in error by Equifax. Please have them too correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. I appreciate the prompt action taken to remove 11 of the inquiries that I identified as unauthorized. However, I am deeply concerned that two inquiries remain on my report despite being included in my initial 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account has been suspended since XX/XX/2024. 

When I tried to move the money to my other bank account ( under my same name ), they put my account on an unfair restriction and have not been able to access my money up to this date ( XX/XX/2024 ). 

They have put my money on hold for months now. 

I want to close the account at this point, but they won't let me. 

No answer, no information. I have called multiple times and they are not able to give me an answer either, they keep saying they can not tell me anything and that I will hear from them soon. 

My fear is this is retaliation for me moving money out of their company.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These transactions were not made by me. I did not give XXXX, Trans Union or XXXX written consent to furnish this info on my consumer report.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These transactions were not made by me. I did not give XXXX, XXXX XXXX or Experian written consent to furnish this info on my consumer report.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX and XXXX XXXX ( TD Bank ) are different companies that do not talk to each other. XXXX has agreed that my order was only to be treated as ONE ORDER. They have case # XXXX confirming this as it was clearly to be an exchange and needs to be fixed. One broken part was sent back and another was send to replace it. This shouldn't have been treated as two orders with separate plan terms. TD Bank refuses to contact XXXX or make the corrections. 

They have begun sending damaging credit actions over even though I have contacted them many times about this. See call log for details of all the activities, I have kept careful notes after starting to encounter TD 's poor practices towards consumers. 

TD Bank also started charging me a late fee even though they said they completed a payment ( Inquiry # XXXX ) for way over the minimum balance using their online system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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, XXXX XXXX never gave XXXX, XXXX, or Transunion any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the Equifax data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
My mortgage was transferred on XX/XX/XXXX to a new processor. My payment instructions paid the mortgage in full ( {$1500.00} ) and had a separate additional principal curtailment payment ( {$1500.00} ). 

Both payments were applied to my loan as regular payments, meaning the principal payment was not applied to the outstanding principal in whole, but instead interest and escrow were taken from it. 

I contacted Crosscountry on XX/XX/XXXX and their front line support did not understand the problem. 
I then filed an official notice of error on XX/XX/XXXX and they responded on XX/XX/XXXX that the payment would be fixed and reapplied as a curtailment. 

On XX/XX/XXXX the additional principal payment was fixed correctly. 

On XX/XX/XXXX, they reversed the payment and moved it to an unapplied forbearance account. 

On XX/XX/XXXX they used the forbearance account to pre-pay the next month instead of as a principal curtailment. Essentially reversing the remedy from their notice of error response. 

On XX/XX/XXXX I've filled a second notice of error with them. 

I have paid the monthly regular payments in full each month on time. They are misapplying principal curtailment payments as regular monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This card was purchased from my XXXX XXXX on XX/XX/XXXX around XXXX in XXXX XXXX FL XXXX I received the gift card on XXXX and have been trying to use it since XXXX. Ive tried multiple stores in person and online which all say they take AMEX cards including gift cards. I had given up and called the help number ( XX/XX/year> @ XXXX ) XXXX ( XXXX ) XXXX. I had managed to speak with a representative who told me 3 times to try different ways to use the card and all of those ways i have previously looked up and have done already for months. After she understood this she put me on hold and then put me back in in which another representative man was telling her what to say. She told me they can not send a replacement ( in which i had asked for after she was no help ) and she said there is a hold on my account in which they can not send me a replacement. When i asked what this hold was on a gift card she could not explain. Instead, when I asked what the hold was 3 times she proceeded to say is there anything I can help you with after each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) been reporting inaccurate information on my credit report for a long time and TransUnion failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be investigated for accuracy and corrected as 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 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Target Redcard.. They are Pressuring their Consumers to Purchase by saying they have not seen Activity for over a Year, so they will Close account per their Policy I received this Marched XX/XX/2024 and I am appalled as to how they literally are giving Customers an Ultimatum. Basically, either you Purchase or your account will be closed. 
I called this Hotline XXXX. I requested to Speak with a Supervisor in Financial Dept and Spoke to a Regular Customer by the name of XXXX ID # XXXX. When asked why am I not Purchasing I stated because there is nothing in Target I need and what I do need to Repurchase is either not available OR Expensive.. Once I mentioned to her I was going to Report this, this is illegal. She claims its within Targets Policy as they can not Pull my Credit etc etc. Buy not to worry, They will forward Feedback as will give me some time to Think as another Letter will Follow. Really? Again. I could not Emphasize as Reiterate what I stated as to them forcing Consumers to Purchase or will close Card as hurting Consumers Credit by Closing without their Consent. Above all this is not a XXXX XXXX or XXXX. Oh we have Partnered with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This email is being sent to multiple people including the department of education, Experian and XXXX for full visibility in the hopes that I can obtain a refund for my degree or lack thereof. 

Back in XXXX I attended XXXXXXXX XXXX to obtain my degree in finance. I graduated with an XXXX XXXX from this particular institution, however after graduating and looking to further my education, I found out quickly that my credits were unable to be transferred to any other school including community college due to the fact that the school was not properly accredited, although XXXX told me that they were accredited at that time. After debating whether I should pursue additional education with XXXX to obtain my XXXX XXXX, since clearly my credits werent able to be utilized anywhere else and I was only XXXX credits away from my XXXX XXXX if I went through XXXX, I found out that XXXX was under investigation for fraud. I alerted XXXX ( XXXX XXXX ) at the time of the allegations and told them that I shouldnt have to pay my loans for a school currently under investigation for fraudulent practices, however that request fell on deaf ears. So I decided to stop paying only to have XXXX hit my credit with multiple 30 day late notices thus forcing me to pay these ineffectual loans. In XXXX of XXXX, XXXX finally decided that because the school was officially charged with fraudulent activity they would relinquish my debt in the amount of {$5200.00}. Great news right? Wrong. 

Between XXXX and XXXX, I paid a total of {$25000.00} including interest ( one as high as XXXX XXXX ) to XXXX for an XXXX XXXX that I am unable to utilize to help further my education or career. I am requesting a complete refund of the {$25000.00} that I paid so that I can pursue additional education or utilize the money to start a business. 

Additionally, I would like the negative remarks removed from my credit report immediately due to the fact that these loans arent even viable considering that the school was found guilty of fraudulent practices. 

Thank you all for your assistance in this matter.

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 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I recieved a loan through titlemax and I paid atleast XXXX on a XXXX and none of it went to loan. They repossessed my car and made me pay XXXX. No relief no help and I was out of work and had family pass away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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