vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I received an email regarding unusual activity on my card in the amount of {$1000.00} ( XXXX in XXXX, Connecticut ). I received another email XX/XX/2023 that my credit card was turned off. I then reviewed my account and saw 8 pending transactions to XXXX XXXX ( XXXX, Washington ) for the amount of {$16000.00}. I then immediately contacted Wells Fargo to report these as fraudulent charges and to cancel the transactions and not to remove the funds from my account. Wells Fargo did investigate these fraudulent charges and issued me a temporary credit but on XX/XX/2023 the charges were placed back on my account. I contacted Wells Fargo and was informed that these were a direct point of sale and that I would be held responsible for these charges. The credit card that was used was a new card that was mailed but I never physically received this card. I reside in XXXX Florida and had just XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, I was on XXXX XXXX and unable to travel to these locations. I was at a XXXX. XXXX on XX/XX/2023 in Florida at the time of the first fraudulent charge. I have filed a police report and contacted XXXX, Washington police department that said this is an ongoing issue with XXXX XXXX. I want these charged removed because I didnt authorize them and reported them while pending still and said to not let the transactions go through. My card was over charged thousands of dollars and should have been red flagged with all these charges being done with such high amounts over and over again. Wells Fargo should not have allowed my account to be overdrawn especially that much money and also allowed them to do over 8 transactions at one location and not notice the scam taking place. I have tons of messages showing someone has cyber attacked me and stolen my information as well as sold it at the time of fraud. My credit score has been effected and Ive been a loyal customer to Wells Fargo since it was XXXX over 15 years. This is extremely upsetting that Ive had to battle them over charges I know I didnt make and reported while still pending.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-31 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, the list of accounts below is violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( 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.

15USC 1681 ( 2 ) ( A ) ( I ) Titiled Rules of Constructon ( 2 ) exclusions and subparagraph.A ( I ) Transaction are not apart of consumer reports Also they are'nt even in compliance with meto 2 credit reporting. 
Accounts listed below : XXXX XXXX Account # XXXX XXXX XXXX Auto Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
do not know this account never opened up this account never signed any papers for this account and have no idea where this account came from except for the fact that my score keeps going down and I seen this on my account NOT MY ACCOUNT AT ALL!!! 

On XX/XX/29 I called and talk to XXXX from the bank and could not find my name at all and he even suggested to file a complaint because this is not my account never opened it don't know what it is and I would like to see my signature because I don't sign nothing I only have two bank accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX nothing else no debt like this. 
I am currently dealing with my XXXX XXXX credit card information being taken and charged a lot of stuff on my credit card that was not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I have a debt with Transworld Systems on my credit report. I reported it 3 times via XXXX, and it was not removed, despite never receiving a debt validation letter. I did mail one to XXXX XXXX XXXX XXXX Delaware on XX/XX/23 I reached out via email with a settlement offer to Transworld 's contact us on their website. ( XXXX XXXX XXXX  ) I specifically will only write via email to make sure everyone is held accountable for what they say. Within a minute or two of me sending off the email, I received a call from XXXX XXXX ( XXXX XXXX XXXX  ) at XXXX. I have requested a debt validation letter, also mailed on XX/XX/23 to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA. 
I thought that the timing of the phone call was suspicious, so I did some digging and XXXX XXXX is a DBA ( Doing Business As ) for Transworld! So, I have twice requested a debt validation letter for the same debt and not been provided one. It has been well over the 30 days. This should be removed from my report and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I inquired about a potential loan from One Main. I filled out the application online but didn't finish it. A lady named XXXX  called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at One Main has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I had multiple unauthorized transactions for gift cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC MY ACCOUNT WAS HACKED SO THEY TOLD ME TO CLOSE MY ACCOUNT WHICH I DID IN THE MEAN WHILE I HAD A MORTGAGE GOING THRU THE VICE PRESIDENT OF THE BANK IN XXXX NY TOLD ME NOT TO WORRY ABOUT IT WELL THE CHECK BOUNCED BECAUSE MY ACCOUNT WAS FROZEN SO I PAID IT THRU MY XXXX  ACCOUNT BUT WHEN THEY REJECTED MY PAYMENT THEY NEVER PUT BACK THE MONEY IN MY ACCOUNT I HAVE CALLED EVER SINGLE DEPARTMENT IN THAT BANK AND NOONE WOULD HELP ME CAN YOU PLEASE HELP ME GET BACK MY MISSING MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604 a section 2. It also stated a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: MD

Complaint narrative:
On XX/XX/year> I received my Tax Advance Loan from Credit Karma money for {$3000.00}. After taking XXXX hours to access funds because the process to update a phone number requires a birth certificate and photo id. I was truly excited to spend some time with my kids and pay some debt off. I attempted to add {$1000.00} to my XXXX XXXX account because I lost my Credit Karma card and this is how i used the funds last year. 

Unfortunately when I added {$500.00} it triggered a fraud alert ( not sure why if the limit for my account is {$25000.00} per week to add funds - SCREENSHOT ATTACHED ). So I decided to send it to my daughter XXXX XXXX XXXX to send it back to me. I sent XXXX XXXX {$500.00} transactions. I told her to keep {$200.00} and I added {$200.00}. I made sure the card was locked and put my phone on the charger. While I was getting dressed my daughter received at least XXXX alerts that I was disputing transactions on her XXXX XXXX totaling {$520.00} and the {$200.00} she kept in her XXXX XXXX  was gone ( her card was locked as well ) ; and the remaining funds was taking out of her personal checking account through XXXX XXXX XXXX XXXX XXXX. 


I received a call from XXXX XXXX stating she received an alert I was disputing {$50.00} and another gentleman I bought perfume from outside reached out to me for a {$45.00} dispute. Everyone was extremely upset with me, not only did I not dispute any transactions the funds were deducted from there accounts immediately causing extra fees. XXXX XXXX states her XXXX XXXX account was deemed fraud now she wont talk to me anymore. THIS IS A NIGHTMARE. When I looked my phone the {$1200.00} in my account was GONE!! I am a single mother with XXXX kids facing an eviction. This could not come at a worse time. My daughters XXXX XXXX card was locked as well. Not sure what the LOCKED FUNCTION IS FOR IF THEY CAN JUST STEAL YOUR MONEY. 

I contacted XXXX XXXX  immediately via chat ( SCREENSHOT ATTACHED ) after all these transactions. The representative stated they could not see what I was talking about. Funds were never added back to my Credit Karma account. I found a number for XXXX XXXX. The first representative said they could not see anything and if the funds were declined the money would be sent back to the merchant. Called Credit Karma Money they did not have any record of what was going on either. Called XXXX XXXX  back, a gentleman advised me of a dispute on a XXXX card XXXX. That is my grandmother 's account through XXXX XXXX XXXXXXXX. They stated they took my money to resolve a dispute through XXXX XXXXXXXX XXXX. 

This unacceptable. My issue did not meet the criteria for a provisional credit. I contacted XXXXredit Karma. The representative advised to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another lie because EXPERIAN FIXED NOTHING DOES NOTHING BUT LIE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX  for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Syste {$780.00} asked for verification company never sent. 
XXXX XXXX XXXX {$1300.00} called company for verification never received. 
XXXX XXXX XXXX {$18000.00} called company for verification & sent mail no proof received XXXX XXXX XXXX for {$860.00} This company refuses send in proper verification unaware of account XXXX XXXX XXXX for {$2000.00} Account is still reporting false information XXXX XXXX  XXXX for {$1400.00} asked for verification company never sent. 
XXXX XXXX for $ XXXXcalled company for verification never received. 
XXXX  XXXX For {$490.00} called company for verification never received. 
XXXX XXXX XXXX  for {$1200.00} unable to present proof of debt seeking to have account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted a dispute letter requesting an expedited response, accompanied by meticulously documented evidence for each claim that has been reported inaccurately in my consumer report. This misinformation has caused significant distress in our lives, including hindering our ability to secure housing for our family. Regrettably, I have been left with no alternative but to pursuelegalaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is showing a late payment in my account, that i never did, XXXX  XXXX must to remove these late payment if they cant provide it as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is showing a late payment in my account, that i never did, XXXX  XXXX must to remove these late payment if they cant provide it as late.

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 2024-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XX/XX/2024 I called to make my payment. The following week on XX/XX/XXXX I called back to ask why the payment has not been taken out of my account. I was informed that the previous representative put my payment in as a savings account. I informed the representative that I indicated checking account and that this is an issue because the account numbers are the same. I called again on XX/XX/XXXX to verify that Village Capital had the correct account information and that they were taking the payment from my checking account not savings because the numbers are the same. I was informed that my payment was attempted out of my savings account again by my bank. I confirmed that the checking account number was correct. The following week I spoke to representatives on XX/XX/XXXX and XXXX. On XX/XX/XXXX they told me the payment is still being processed. I was informed on XX/XX/XXXX that the bank account information was not corrected until XX/XX/XXXX which resulted in my payment not being processed. It is now XX/XX/XXXX, the payment still has not been taken from my account. I called to speak to a supervisor on XX/XX/XXXX, the representative XXXX XXXX XXXX told me to wait on hold for 10 minutes for a supervisor. The representative came back on the line a few minutes later and told me that she needs to hang up and request a call back. Previously I had an issue and it took one week for a supervisor to call me back. I explained this to XXXX and she told me that there is nothing she can do. I have attempted 6 times to make my payment. Village capital charged me late fees and gave a negative statement on my credit report. This issue is the result of negligence from their representatives. It is their duty as a service provider to process my payment in a timely and efficient manner. This has caused me emotional stress because I am trying to make my payment on time with no issues.

Company response to consumer: Closed with explanation