vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I opened a XXXX XXXX XXXX card with American Express. I had understood there to be no annual fee. This was fine for 1-2 years, but then ( according to Am Express ) my " grace period '' expired. 

On/about XX/XX/2022 I was assessed a {$95.00} fee. I don't regularly use credit cards, and believe I did not receive a statement in the mail saying I had been assessed a fee. 

On XX/XX/2022 I learned of the fee when checking the junk mail of my email. I tried disputing it online and was unable to get the " person '' on the chat to talk about the fee. I called them at the number on the website ( XXXX ). 

I spoke with customer service for about XXXX XXXX. I explained my understanding to have been that this card did not have an annual fee. I asked for them to waive the fee and change me to a free card. They refused to do this. They explained that Am Express " wasn't allowed '' to do it because it was >30 days old. I asked for the name of the company regulator, and they refused to tell me what regulator I could use to determine if I was required to pay it. I'm hoping CFPB is the right one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
In XXXX of 2022 I had scheduled payments from my checking account to be paid with capital one credit cards. I had two cards with them. They payments were returned because I wasnt aware capital one takes several days even a week to process the payment. However I scheduled a third payment because the first two times the funds werent there because I was under the impression capital one would process within 1-2 business days. Didnt think it was a big deal. At the time I had XXXX in my savings so wasnt worried. The bad luck came when my wallet was stolen. The person used over {$750.00} from my checking account alone with swiping my credit cards for anything he could get. Because he used the {$750.00} in my checkings the third payment with capital one was returned. He also used my capital one credit card and I never received a fraud alert. To my dismay because of the third returned payment capital one without notifying me shut and closed two of my credit cards. My score dropped 30-40 points because my credit limit dropped and they closed one of my oldest credit history accounts. They also forwarded me the balance of {$1500.00} of the card I had to pay or it went to collections. I have proof the third repayment is fraud and they refuse to reopen my accounts or take the closed accounts off my report. They also never investigated the fraud or notified me someone else was using my card. I was punished for having my car stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was staying in XXXX with my XXXX, I was being XXXX  by him. I have a history of XXXX, XXXX and XXXX XXXX. I received permanent XXXX for these problems. I was supposed to fly back to the states on XX/XX/XXXX. My XXXX  XXXX who is on my bank account purchased the ticket. I would have purchased it but prior to this date Wells Fargo accidentally turned off my debit card, so I was being abused and had no access to my money in a foreign country. So my daughter made the reservation for my flight home on XX/XX/XXXX. Attached you will find a doctors not from XXXX stating I couldn't fly unless I was XXXX XXXX ok on the XX/XX/XXXX. I was not I had another XXXX do to being XXXX by my XXXX. I was struggling to get back by my health was deterating.attached are pics of the abuse and a police report. The American embassy in XXXX finally rescued me but I lost all my documents and have been struggling to get them back from my x XXXX. I filled a claim the week of XX/XX/XXXX. I submitted as much documentation as I could to Wells Fargo. I heard nothing from them but on XX/XX/XXXX I received a provisional credit of {$740.00}. I have heard nothing from Wells Fargo since then. Well on XX/XX/XXXX I received a letter stating they are reversing the provisional credit on XX/XX/XXXX. This is not rite. I have lots of documentation to prove my claim. If they reverse these charges my account will overdraft and I live in social security XXXX and a part time job. Please help me with this claim any other documents you need I will try to get 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 explanation
Consumer complaint received 2022-08-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a credit card with a balance transfer feature in XXXX XXXX. I received the card a couple of weeks later. I did not activate the card, because i was not going to use it for a while. On XX/XX/XXXX I reported fraudulent activity to the bank. There was a balance transfer for {$5400.00} to a company that I have never heard of or done any business with them and very obviously not done by me. Contacted the bank on XX/XX/XXXX and explained that it was a completely fraudulent transaction again and they promised a resolution by XX/XX/XXXX and told me this would be covered under their fraud protection program. On XX/XX/XXXX I received a letter claiming that there was no fraud. That claim is incorrect and impossible. I have never done business with the company that actually received the money, nor do I have any knowledge of the existence of that company. And more importantly the company that they say I owed money to is not listed on my credit report. 
The only way I found out about this problem was when I checked my credit and saw that there was a balance on a card I had never used.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
old account past the stature of limitations is been put on my account and continue to be updated by XXXX and XXXX with current date. Accounts that do not belong to me due to 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 non-monetary relief
Consumer complaint received 2022-08-22 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-22 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX Dept of Soc XXXX Svc. Child Sup has violated my rights. 

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 an account without my written instructions.

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 2022-08-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX Bank Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Dept of Soc . Svc. Child Sup has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Supreme LLC
State: TX

Complaint narrative:
I paid a {$99.00} startup fee in XXXX of 2022 under the impression that this company would help me repair my credit. I then paid them $ XXXX  monthly following that initial ( illegal ) {$99.00} startup fee with NO results. I asked XXXX, who was the woman in charge of my file, to schedule a call with me so we could go over what actions shed taken and what shes been doing behind the scenes so I can get a better understanding of how this company works. She was elusive, unresponsive, dismissive and passive aggressive when I asked for more information. When I tried to cancel the agreement in XXXX of 2022, XXXX ( the manager ) said it would be in my best interest to work with them another month and that I would be doing myself a great disservice if I cancelled then. XXXX promised me that if I work with them for one more month and there were still no results, I would qualify for the money back guarantee. Fast forward to XXXX of 2022, still no results, no improvements, and no evidence of them working to improve my credit on my behalf. I asked for services to be cancelled immediately and for my money to be returned and XXXX responded, Im sorry it doesnt work that way. I am demanding a full refund of the money I have paid to this fraudulent company including the illegal startup fee.

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
These accounts were recently or previously reported on my credit report and are not my accounts. 
Bank of AmericaXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
Trying to obtain original MPNs for my student loans as well as subsequent transfer MPNs. I have contacted the university, StudentAid.gov and FedLoan, the only document I finally received was an MPN for consolidation in XXXX. The original loans were for XXXX, consolidated first between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian is reporting late payments on my credit report. 

I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, 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 explanation