vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I had a bank account opened and I see where Wells Fargo owes money to customers and Im wondering if Im apart of the customers because they closed my account for whatever fees. My name is XXXX XXXX XXXX number is 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Earm LLC
State: TX

Complaint narrative:
Me and my husband have received several call from XXXX ( XXXX ) XXXX to try and collect at debt that I believe is false. When asking about the debt the info given was inaccurate. And when asked for their address and license number they refused to provided it. Stating that I didnt need that information. And was told that they would report it and mess up my credit and then when I repeated needing that info before we could move forward the guy on the phone kept trying to antagonize me by stating that Im just never going to pay this debt and that I can just keep avoiding it. Its fine they were extremely unprofessional and unwilling to help even with multiple phone calls back trying to get the info I requested. They could not tell me who the original debt was from. But said it was a loan, when I stated I have never taken a loan out in that amount they stated it wasnt a loan it was a transaction with my bank info. And when I brought up the statue of limitation on collections he said that this debt dose not fall under that category that it was like writing a bad check.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Applied for shell credit card was told it was shipped on XX/XX/XXXX have never received the card a XXXX later. Called XXXX times customer service is rude and hangs up on you said they couldnt help me due to changing my number after I applied for the card said I have to wait for letter with reference number got the letter XXXX XXXXXX/XX/XXXX called gave reference number asked to have a new card shipped XXXX employee number XXXX at XXXXXXXX XXXX XXXX said it was all taken care of and hung up on me not sure if he updated my phone number and if he sent me a replacement card this is ridiculous customer service and illegal to run my credit and never send me my credit card my account ends in XXXX. 

Thanks 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 monetary relief
Consumer complaint received 2023-01-19 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: WI

Complaint narrative:
I wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX. They have not replied to me or removed items from my credit 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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an inquiry from XXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/2022 that is not mine on my credit report. My credit report also shows an account opened through XXXX XXXX XXXX XXXX XX/XX/2022. The balance is {$0.00}. I have not been able to get in touch with anyone XXXX XXXX XXXX XXXX XXXX open account. In addition to these findings on my credit report, on XX/XX/2022, there was an account fraudulently opened through XXXX credit card. I was able to get in contact with XXXX credit and they have closed the account. I need all these accounts removed from my credit 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Tesla, Inc.
State: AZ

Complaint narrative:
There were times my card wasnt read correctly, deposits didnt go through at regular times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
The interest rate fluctuated which every time XXXX playing more then I expected and I really didnt have the knowledge but I felt something was wrong so I left that bank bc the was taking my my money by their interest rates

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have called through put the years regarding to overdraft fees being accessed on my accounts hight XXXX on my Wells Fargo credit cards no reductions and I Hvae been a member well over 13 years with them.

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I applied for a Obama refinance around XXXX and was not aware it was a second mortgage until I sold my home in XXXX. Then I was told about the second mortgage for $ XXXX. Knock me off my feet. The first I had every heard of 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I think I was over charged by Wells Fargo when loan was paid off

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 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had tried to get a loan adjustment. They said they could help but come to find out the company that they hired to help them apparently took the money and disappeared. So the whole time I was making payments, Wells Fargo was not receiving them. It ended in foreclosure. We had to move out and Wells Fargo was at the court house bidding on buying it back. Without giving me a chance to fix the wrong they did to me. It was foreclosed on in 2014 we owned the house before this

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
To whom it may concern, We used Paypal as a payment processor on our website and suddenly after six months of using their service, they sent us an email on XX/XX/2022 stating that we can no longer do business with PayPal because we're in violation of PayPal 's Acceptable Use Policy. Also, they held our balance of over {$51000.00} for six months which caused our business many financial hardships. The money has been on hold for over 3 months and we can not wait any longer because we may lose our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I changed to a different company by refinancing. I was having issues with my mortgage due to being a XXXX veteran and being on a budget. I could not get assistance from Wells Fargo and the fees were too high. So I left and found a company that would work with 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 2023-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX  ) 1726 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BILL.COM, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX. Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XX/XX/22, Bill.com sent a business payment scheduled by their Client, XXXX, XXXX, XXXX XXXX XXXX to XXXX and XXXX XXXX, XXXX to an incorrect personal account number. 

Upon multiple request, Bill.com still have not resolved this issue. I have been legally counseled on this matter and was advised that Bill.com has to dispute there transaction with he receiving Bank ( XXXX XXXX XXXX ). 

This has been a HORRIFIC CUSTOMER EXPERIENCE with Bill.com and XXXX XXXX XXXX. Each financial institution has been pointing figures at each other for over 6 months with no resolution to have funds deposited into the account for XXXX XXXX XXXX. I have been humiliated by both financial institutions customer service representatives and managers when attempting to get assistance on multiple occasions. 

This matter has caused me Emotional Stress, Financial Issues & Damage to Business Practices. 

With over 6 months pleading with both financial institutions for this matter to be corrected, Personally, I have been bullied verbally and belittled mentally. 

We are victims! 

I never felt so small and powerless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Had a mortgage with Wells Fargo, was offered several forbearance agreement but they kept changing the amounts and terms until we were foreclosed and lost the home.

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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had checking and a mortgage with Wells Fargo and I believe I should be included in the lawsuit. I believe they used my accounts illegally

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX privacy laws state confidential information such as transactions, history utilization and statements are excluded from XXXX XXXX XXXX Please delete cease and desist XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-01-19 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00} from XX/XX/XXXX, which is on record. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me it was due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachments ) dated XX/XX/XXXX. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim. 
Spoke with a supervisor named XXXX. She said the dispute has not been closed. She had no information about the attached letter I received about it being closed. She if indeed the dispute was closed it be re-opened yet again. She also stated to me that she would be calling me back on Wednesday XX/XX/XXXX before XXXX or Thursday XX/XX/XXXX by XXXX EST with a resolution. I didnt hear back from her by said date and time. I called TD Card Services on Thursday XX/XX/XXXX at XXXX and was put on hold for XXXX minutes. Spoke with a customer service supervisor named XXXX. He could not the previous supervisors notes. He could tell if my case was re-opened as XXXX stated to me. He did however open a new case ( case # XXXX within TD Card Services. XXXX said he or XXXX would be reaching out to me on Monday XX/XX/XXXX or Tuesday XX/XX/XXXX at least with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
We received multiple calls from the same number to myself, my fianc and my mother stating they are a para legal office with a collection from Kay Jewelers. They had my my full account number, social security number and address. Once confronted about not owing this debt the caller got upset and demanded we make payment, or I will be sued with garnishments and a lien put on my fianc 's vehicle. We are in good standing with kay jewelers and have called and verified there is no action being taken against us. This is very alarming they level of information scammers are able to collect from online sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have sent documents and XXXX XXXX XXXX is not responding to me. This is a debt is alleged and I need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
Being repeatedly charged overdraft fees for payments I actively told Wells Fargo to stop payments for, for over a year, to the ball park of {$1600.00} in overdraft fees alone.

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 2023-01-19 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:
This account belong to XXXX XXXX we have similar. My name is XXXX XXXX and this individual refuse to ask the credit bureau to insert these accounts on her credit file so my lawyer told me to file a complaint before I file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: WI

Complaint narrative:
I wrote letters to Equifax over 2 months ago ( XX/XX/XXXX2022 ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of 2020 : {$290.00} / XXXX XXXX XXXX Professional Placement. They have not replied to me or removed items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
An account was opened for XXXX without my knowledge, and later used to make a purchase ( again, without my knowledge ).

Company response to consumer: Closed with non-monetary relief