vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 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: NJ

Complaint narrative:
I am experiencing a dispute with a merchant XXXX XXXX. Earlier in the year, I settled a debt with this merchant through another non Wells Fargo account. Once the debt was settled, I contacted Wells Fargo to request that it stop any future attempts by the same merchant to debit from my business account ending XXXX. I received verbal and written confirmation from Wells Fargo on XX/XX/2023 that the stop payment had been applied to my business account ending XXXX. In an email notice, Wells Fargo indicated it would block any future debit attempts by the merchant. According to a written stop payment notice I received, Wells Fargo promised that future debits will be automatically returned as stop payment, regardless of the dollar amount or payee information I had XXXX  XXXX on XX/XX/2023 and was unable to complete my normal daily check of the current balance in my business account ending XXXX. When I checked my business account ending XXXX on XXXX XXXX, 2023 I discovered that XXXX XXXX had debited {$20000.00} from my account. I reported the debit to Wells Fargo claims the same morning I discovered the funds were missing. 

I was notified by Wells Fargo on XX/XX/2023 that my claim to have the ach debit reversed had been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 1483 reporting standards and this account removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-08 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: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2023 a charge to XXXX for tires of XXXX Tires were never received XXXX verified and issued a refund of XXXX on XX/XX/XXXX then a second refund of XXXX a total of XXXX for a total refund. One tire was on back order XXXX could not refund for a tire not issued which is why there were 2 refunds. after a request on XX/XX/XXXX, Capital One issued a refund of XXXX in addition. This refund was an error. I should have never received the refund from Capital One on XX/XX/XXXX. On XX/XX/XXXX XXXX issued another charge for back ordered tire which I never did receive as well. There is an outstanding charge of XXXX on the current statement, which I have requested an investigation from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my 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 non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im  the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the customer service associate told me that I would no longer receive mailings, but they still occur. I submitted a CFPB complaint ( XXXX ) on XXXX, and the company responded on XXXX saying they would do an opt-out for my address and addressee. So on top of them NOT doing that ( I received yet another piece of mail today, XXXX ), they also failed to fix the issue - XXXX XXXX DOES NOT LIVE AT MY ADDRESS SO STOP SENDING MAIL TO IT. That is not an opt out, it is a permanent remove from your system or fix. I've run out of options other than filing yet another complaint because they failed to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have three Fruad accounts on my credit report. I have attached a FTC report and my current lease. XXXX. XXXX XXXX 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 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My student loans were transitioned to Mohela about 6 weeks ago as part of PSLF planning. Prior to this transition, I had a XXXX dollar repayment in place on my IDR plan prior to COVID forbearance. Previously, my date for recertification of income was XX/XX/XXXX, which given the last adjustments to forbearance end date and Studentaid.gov policy, should have been extended to XX/XX/XXXX. 

When Mohela took over my loans, they removed these remaining months on my IDR repayment and have listed me for a monthly payment of over XXXX dollars. I called to have this reviewed and adjusted on XX/XX/XXXX. After being repeatedly told, incorrectly, I would need to refile an IDR application, I spoke to a manager and was told they understood the issue and had seen this mistake made with other borrowers. They said it should not be a problem to fix. However, after 3 weeks I still did not hear anything and my account was not adjusted. 
I called again on XX/XX/XXXX and was told the request was still open and they attempted to expedite this. I was given a reference number by Mohela for this issue of XXXX. I was told it should be resolved by the end of last week. However, this did not happen. 

I called again yesterday XX/XX/XXXX and was told the request was still open with no updates. I was able to speak to an escalation agent who told me they can not confirm anything will be fixed and would look into the issue. They said they emailed management as part of the reason for the issue is my loans are currently under 2 separate plans ( REPAYE/SAVE and Graduated Repayment ), despite studentaid.gov guidelines saying borrowers should not have different plans for different loans. The escalation agent, XXXX, said she could expect more information for me in another 7-14 business days. 

This would take me to XX/XX/XXXX at which point forbearance will be ending and I am very scared I will be billed incorrectly for over XXXX dollars next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Chime Financial Inc
State: CA

Complaint narrative:
I was charged XXXX dollars from my checking acount for a transaction i didnt authorize because the vendor cancel the service. So i was not supposed to be charge anuthing at all. I try to fix this issue with my bank and i send them a recive that prove the transaction was cancel and also i send them a prove that the vendor send me a medage apologizing for the cabcelation of the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
The is incorrect and things did not happen that ways and car was delivered to then with payments and the car was sold at aution and the is not supposed to exits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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:
A fraudulent derogatory entry was submitted to XXXX on XX/XX/. In response XXXX dropped my credit score from XXXX to XXXX. On XX/XX/XXXX the creditor submitted a removal request to XXXX. While XXXX did remove the derogatory entry they have not adjusted my score back to where it was. They refuse to provide me with any information as to why. This is preventing me from getting preferred interest rates on multiple transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought a Vanilla gift card XX/XX/XXXX at around XXXX XXXX  from circle k. I tried to activate it and i couldnt. I contacted the company and waited on hold for 20 minutes, they activated it right away. the following day i attempted to use the card. I couldnt. I then tried to use it at a different merchant and then in person. The card was declined. I did this several times to make sure it was the merchant and then yesterday XX/XX/XXXX I called the company. I waited on hold for an hour and was told it was locked for suspicious activity. The man ask me to verify my attempted transaction. i did. he then said they needed to open an investigation. it would take 10 bussiness days and i needed to send the reciept, a form of proof of residency and a copy of my id. I told him no, I am not doing that, let me speak to a supervisor. He then out me hold where no one ever came. at about 2 hours on hold I hung up. I then called again this morning XX/XX/XXXX and spoke to a rep, went through the same thing and finally got a supervisor. i listed every single merchant I attempted to use but one i couldnt remember. she then told me the same thing. This is not the first time and i have spent over 4 hours dealing with this, being embarressed and upset. I only put XXXX dallors on this card and regerstered it online. This is rediculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: MA

Complaint narrative:
I have bought a flight ticket to my sister in low on XX/XX/XXXX via XXXX XXXXXXXX from XXXX to XXXX. round trip from XX/XX/XXXX to XX/XX/XXXX the ticket with XXXX XXXX. Since I booked the ticket until 2  weeks before the trip there wasn't any notification that my sister in law needs a transit visa from the XXXX XXXX in XXXX. Evidence 2 is the ticket that we printed on XX/XX/XXXX it doesn't have any notification about the transit visa. Evidence 1 it is the ticket on XX/XX/XXXX and there is a notification that a transit visa is required, then I called XXXX XXXX they told me I need to call XXXX XXXX. I called XXXX XXXX and they told me they are not sur and I need to contact the XXXX XXXX in XXXX. I have emailed the XXXX XXXX in XXXX and they confirmed that my sister in law needs a visa and it takes at least a month to schedule it. We don't have enough time to schedule an appointment to get the transit visa and I asked for a refund XXXX XXXX  refused. they can give me only a credit that I have to use before XX/XX/XXXX and only for XXXX. My sister in law XXXX can come only during the summer since she has XXXX kids on XXXX in XXXX, and this visit just during the school vacation. I called XXXX XXXX and they told me I need to call XXXX XXXX to get the refund. I called XXXXXXXX XXXX and they told me I need to deal with XXXX XXXX since they have the money. I report dispute with my Credit Card bank and I am not sure if they can help me or no since the transaction from XX/XX/XXXX. I am asking for a full refund since XXXX XXXX  did not provide the entire information abut the trip and the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Original Creditor- XXXX XXXX Amount of Dispute- XXXX XXXXXXXX Medical- Hospital bill after my XXXX XXXX XXXX- XXXX I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks

Company response to consumer: Closed with explanation