vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: NY

Complaint narrative:
In 2020 Wells Fargo had to change our account number for fraudulent XXXX charges. It started all over again and for months I have called and sent 2 certified letters to have them stop these changes. I also sent a certified letter to XXXX no one will help 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 monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been unable to get my weekly free credit report as afforded to me by law. I've asked XXXX to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank 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 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collection Partners, Inc.
State: TX

Complaint narrative:
Received notification from collection company PayCourt in regards to a debit that was owed back from XXXX of 1994. This is a XXXX year debt in which this is the 1st attempt the company or original creditor has ever contacted me. 

What's confusing to me, is this is far past the statue of limitations and if this is a debt of mines, why wasn't I ever contacted before. I'm not sure if this is a scam, in attempt to collect {$470.00} for fees. I'm requesting this company stop all attempts of collections and possible negative impact to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2022 there were a series of charges from XXXX made to my Venmo account. I disputed them to both Venmo and XXXX XXXX. 

XXXX XXXX has been responsive. 
Venmo has not been responsive. 

Venmo has frozen my account and told me they would get back to me... ..they have not. 

I want to close my Venmo account, be reimbursed for the unauthorized charges and gety a check for the {$80.00} I have on deposit with Venmo. 

I have called many times to no avail. Sent texts and filled out forms nothing work with Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I started receiving a bunch of inquiries on my account and some of them were literally back to back. There was even an inquiry about a mortage loan and im not interested in buying a house at this moment. Everyday i get alerts talking about my credit score. I do not have any knowledge of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I deposited a U.STreasury Check that was provided to me by the XXXX XXXX after I paid for Burial Expenses for my Father who Passed away due to XXXX XXXX. BofA put a Hold on the check due to reason that the check stated that the check could be returned because it had been written on the check. I have a copy of the check from XXXX and it does not indicate that in the front or back of the check. They put a 7 day hold without informing me at the counter. The teller told me it was a hold for XXXX. I called BofA and they said they would honor the check and give me access due to my Father XXXX XXXX. They they put it back on hold and I spoke to another mgr whos said their Employee made a mistake. I believe they should honor the check and not give me a cheap excuse. My Father and I are Veterans of the XXXX XXXX we have served our country faithfully and would do it again. Unfortunately for my Father he XXXX XXXX due to the XXXX XXXX and the effects of XXXX XXXX. I just want them to honor their original reason why they lifted the restriction and they understood the circumstances that I paid for my fathers burial costs. I have Been hung up on and called again and was neglected by the manager XXXX. Now he put me on Eternal hold probably hoping I will hang up because by him doing this to me. Can Veterans get some Sympathy and consideration for Helping to keep our country Safe? and help these citizens live with the Freedom we all Enjoy? Pleas help me on any way you can. It would be greatly appreciated by me and my Father.

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 2022-08-30 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: CITIBANK, N.A.
State: WI

Complaint narrative:
My XXXX statement from Best Buy had a charge on it that I did not make. I called the company and explained to them about the charge. They said they would investigate. On XX/XX/XXXX I received their findings by mail. Even though I do NOT know the lady that made the purchase, her mailing address or her email address, Best Buy said I was still responsible for the the purchase, which was for two watches bought from XXXX XXXX on XX/XX/2022 in the amount of {$1100.00}. None of the lady 's info is linked to my credit card and I never gave her permission to make the purchase. I don't think I should have to pay for something I didn't buy or authorize someone else to buy. Any help or info would be appreciated. 
Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX. MO 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 2022-08-30 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: TN

Complaint narrative:
On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.

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 2022-08-30 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:
On XX/XX/XXXX I was denied credit because of TransUnion for using my information without giving them written permission XXXX XXXX Dear TransUnion I'm the consumer and natural person, I was denied credit by XXXX when applied for a loan Adverse action against a consumer is AGAINST THE LAW according to the Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that was discriminated against by Upstart due to the response received.

TransUnion is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TransUnion

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 2022-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XXXX I sent an application for credit to US Bank Registered mail # XXXX. US Bank had 20 days to accept or reject the application ; 10 days fir shipping, 10 days to decided, and additional time was available upon written request. 

There were clear and conspicuous instructions that they were to return my instruments to me within 20 days if they refuse the contract. 

The application was received by US Bank on XXXX. US Bank sent a correspondence on XXXX that was received by me on XXXX. US Bank declined my request for credit but failed to return to me anything of value in place of the instruments that were provided to them. 

US Bank is in Dishonor and has failed to perform on our agreement by refusing to provide me consideration for the value that they received. US Bank is currently holding stolen goods.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$720.00} never had a account with this lender XXXX XXXX  XX/XX/XXXX victim of fraud never open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Someone hacked it my NFCU account and transferred money to a unknown person and I have been without a account for 2 months.. I called today and they said they had no information.. But they have all the info.. wait times to talk to rep is very o g an 3 out of 5 customer rep. Is very rude.. Im behind waiting fir them to clear up my account also they took XXXX $ XXXX  during the wait

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XXXX  it show 2 XXXX XXXX loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on XXXX  and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. XXXX has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.

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 2022-08-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. Equifax, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with FEB-Retail which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including FEB-Retail. This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've already spoken to TransUnion as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. 

My FTC case numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Here 's the list of the unauthorized inquiries : 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  My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.

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 2022-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I used the ATM machine at Navy Federal in XXXX, Ca at XXXX XXXX XXXX to withdraw {$200.00} to deposit it into another account on XX/XX/XXXX between approximately XXXX before I could complete the deposit the ATM machine canceled the transaction and only gave me back {$60.00} and kept the remaining {$140.00} dollars. I went directly into the bank to speak with someone and did a ATM claim. However I was told as a non member there is nothing they could do. I was told there is no way to return my money even though it showed up on the bank audit. I also try reaching out to my back but the transaction is not showing up on their end. I have talked to many people with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I put a deposit down on a new engine. After a little research, I realized that this was a fraudulent company. I called and canceled within an hour or two. I contacted my bank and let them know I did not want to buy anything from them, XXXX XXXX. My bank hung up on me. They paid XXXX XXXX  the {$1600.00} against my wishes on XX/XX/XXXX. I sent a letter to my bank, per the request. They, a few months later, gave me a refund. In XX/XX/XXXX, they took the money again. I had to send them another letter and they are saying they're findings are not in my favor. I never received my money back or any product they charged me {$1600.00} for. My bank is stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CA

Complaint narrative:
This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 a account without my written instructions. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : 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 2022-08-30 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: TN

Complaint narrative:
On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX  XXXX was reporting where are the documents. 
This is hurting my credit/FICO score.

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 2022-08-30 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: TN

Complaint narrative:
On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX XXXXXXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with XXXX  which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including XXXX This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as XXXX charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.

Company response to consumer: Closed with explanation