vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: VA

Complaint narrative:
I received an email on XX/XX/XXXX that advised my account was in a negative balance on XXXX  It advised that I had Extra Day Grace Period. With Extra Day Grace Period, you can avoid overdraft fees if your available balance is positive as of XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. After your grace period ends, if your available balance isn't positive, a {$35.00} fee may be charged for each overdraft up to a maximum of three fees. I made a transfer of {$60.00} to cover the negative balance as of XXXX that day. Some time after XXXX, the time Wells Fargo provided me, another transaction appeared as pending on the XXXX. This was after the time frame provided. I ensured my balance was positive on the XXXX. My ending balance on the XXXX was positive, including the fee they assessed. I find this to be deceptive and I reported it to Wells Fargo. I have been met with non helpful employees who have refused to escalate my complaint. They have refused to provide their first and last names, as well as, managers name. I have repeatedly asked to speak with manager and refused. I called XX/XX/XXXX and was hung up on, received no call back. They are asking for a case number and Wells Fargo never sent me a case number via their secured messaging through online banking. On XX/XX/XXXX, I made a transfer to cover the negative balance, my account was positive until sometime after XXXX on the XXXX. I woke up the morning of the XXXX and saw that another recurring transaction was pending. It was not pending or deducted from my available balance on the XXXX and did not come out and show pending until the XXXX. I was charged an overdraft fee of {$35.00}. But, according to Wells Fargo, as long as my balance was positive before XXXX on XXXX I would not receive a fee. Since Wells Fargo has ability to view my online sessions, they can provide proof that I looked at my account on the XXXX before and after XXXX  and it was positive. I have asked to speak to their legal, regulatory and ethical department and was refused. The only name I have is XXXX. When I saw another recurring charge was pending on the morning of theXXXX, I immediately made a transfer to cover any negative balance because the night before I made a transfer to cover the negative balance before XXXX to ensure my account was positive by 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 2024-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Tesla, Inc.
State: IL

Complaint narrative:
I bought a XXXX XXXX XXXX on XX/XX/XXXX last year and signed a loan agreement. However, I had a rear-end collision on XX/XX/XXXX this year and I was not responsible. In XXXX, the repairman told me that I needed to scrap the car. Yesterday, the insurance officer told me that my compensation had already paid for my car loan. I leased the car so I can not get my compensation. I find it hard to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-05-23 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: MA

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

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 2024-05-23 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:
Please remove the account XXXX XXXX XXXX XXXX from my credit report per the agreement with the creditor. This account was paid in full on XX/XX/year> and should have been deleted when account was paid satisfactorily. I have attached the PROMISSORY NOTE AND SECURITY AGREEMENT ( WITH ARBITRATION CLAUSE ) for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-23 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: KY

Complaint narrative:
I send the money to a friend of mine in XXXX. I saw the receipt and confirmation saying that the receiver has received Mooney, but after few days the receiver told me he hasnt got the money in the mobile account. Lantern on I found out that the name I made a little mistake spelling reviewers XXXX  name. When I called Remitly to let them know of what happened that said that the Money has been received and withdrawn from the account. I sent them receivers mobile bank statement confirming that he hasnt reviewed the money and they told me to have the receiver speaking with XXXX to investigate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX I logged into my XXXX account and noticed my points had gone down XXXX points. As I investigated the matter It showed me a collections accounts was opened on XX/XX/scrub>XXXX XXXX XXXX The original creditor is XXXX XXXX XXXX. The balance is {$300.00} on a 24 monthly payment plan to AMSHER COLLECTION SERVICES. The contact info on the account is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I DO NOT RECOGNIZE ANY OF THE INFORMATION LISTED. From noticing this I immediately got on the phone with XXXX, and was advised by a Fraud Specialist ( XXXX ) to file a report with ftc.gov. Upon filing upload the report to XXXX website and wait for the dispute to be settled. Whomever reads this have a blessed day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: AL

Complaint narrative:
To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. According to the FCRA, unverified accounts must be promptly removed. 

If you are unable to furnish verifiable proof, the accounts listed below must be removed. 

I request immediate verification that the below accounts were NEVER PAID LATE. On These accounts should be reported as PAID AS AGREED, with NO LATE PAYS. or removal of the following accounts : Creditor : Account # : Late Date : XXXX 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 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Notice of dispute under the authority of the FCRA. XXXX XXXX  and XXXX XXXX XXXX  are reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the Creditor is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA and affirmed in ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit report attached is evidentiary documentation of violations reported.

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 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-05-23 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: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MoneyLion Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have attempted to close this account with XXXX multiple times and am still being charged fees on this credit card. I have now been sent to collections because of these fees.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I applied for credit at three different companies over a 1 month time period. All three creditors, ( XXXX, XXXX XXXX, and XXXX ) have told me that Trans Union prevented them from pulling my credit score. I complained to Trans Union and shared the responses from XXXX, XXXX XXXX, and XXXX. Trans Union says that can not help me because I need details on the blocked attempt from XXXX, XXXX XXXX, and XXXX. I went back to XXXX XXXX XXXX, and XXXX and explained that Trans Union says my credit in NOT blocked and I need details on why the pull did not happen. XXXX XXXX XXXXXXXX, and XXXX responded saying that Trans Union will NOT allow them to pull my credit score. I asked Trans union again and they gave me the same answer that I need to ask the creditors. At this point I can not apply for credit anywhere that uses Trans Union because they tell me that they can not get my credit score from Trans Union. I am stuck please help thanks

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 2024-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An Unauthorized ACH transfer of {$40000.00} was taken from my business account at Bank of America on Wednesday XX/XX/year>. The details of the fraudulent transfer will be attached in documents below. There was a fraudulent payment taken for an investment firm that neither I ( nor my business ) have an account with. 

Bank of America has showed little effort to investigate, communicate, or inform me about by rights and the restitution process. Over a week has passed and all I have is a case number, and I had to fight just to obtain that. They have failed to email me as promised, have not returned phone calls, given me conflicting information and no apologies.

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 2024-05-23 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: NM

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

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