vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I went to make an ATM withdrawal, and the money was not dispense from the ATM and I, received a receipt stating my withdrawal could not be completed at this time .that all the information I needed to make, My claim was included on the receipt. I also sent customer support cash app multiple times the pictures and the documents that I had to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had fallen behind on payments after I tried to change the bank account for my autopayment. I thought it had been changed but the bank account wasnt accepted by Wells Fargo and it stopped the autopayment. I was charged {$40.00} for each late fee. I made a payment in XXXX and my account was closed in XXXX. I had attempted to use their online feature to get help with payment arrangements but it would not process and required me to call in. The chat feature said it was available during certain times, however, there was never a way to open a chat during those hours on the mobile version. When I logged in and saw my account had been closed I called about reopening the account. I requested that the late fees be waived as I had been paying on time through autopay and they waived 2 of the 4 late fees but said it would be applied at the next XXXX. I was told a request could be submitted after I brought my balance below the credit limit which would be the {$220.00} as the {$80.00} credit wouldnt be applied til the next XXXX. I paid the {$220.00} and called back to check on the request to reopen and was then told that I couldnt reopen the account because it had been closed and that I would have to reapply for a credit card with them. I believe they knew from the beginning that I could not reopen the account and provided false information to get a payment. I have had that account for almost 10 years and received the letter regarding the overdue balance and closure after it was already closed. I had not received any correspondence in writing regarding options to bring my account current nor why my bank account was not accepted for the autopayment drafts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: NY

Complaint narrative:
Tried multiple time past year to have this one account XXXXXXXX XXXX XXXXXXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I overpaid the final installment by $ XXXX. All I want is the credit moved to my savings account. NFCU wanted a full bank statement from which the payment was made to close the loan. I sent them the statement and still XXXX  days later there has been no movement on this transfer. I have checks bouncing I.e mortgage and car payment. I have spoke to at least a dozen specialists and nothing has been done to help me. Just an overall bad customer experience

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 2023-02-04 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: PA

Complaint narrative:
This is my third complaint and the most serious. 

Wells Fargo is attempting to commit Fraud and lie about what has transpired here. I have fully documented court admissible evidence of all of my correspondence with Wells Fargo. 

I have had NO LESS than 20 calls with them or have returned their call. Dozens of emails as well. 

They are now personally sullying my professional reputation. I will be serving a Writ of Summons next week to demand the court order them to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I ran my equifax report after receiving a notice that there was a data breach. I noticed several inquiries that I did not initiate. I contacted those companies and each explained that they do not have my information in thier system and show no record of me. They said I didn't to dispute through the reporting agencies. I called Equifax and after a very long g process of validating my identity they explained there is nothing g they can do and they do not dispute inquires and they can not help. The FCRA doesn't apply and they may fall off or they may not. 

I the FCRA clearly states that if information is incorrect that I very much have a right to dispute it. 

The inquires in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: IN

Complaint narrative:
This is my third complaint against this company. They are now reporting that I paid 2 % of the total debt owed. But they are not reporting any payment history, any amount of payment received, or any dates showing that the payment was paid. These is misrepresentation of payment received, and false reporting of amount paid.These are violations of the Fair Debt Collection Practices Act and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I attempted to initiate a credit freeze with Equifax on behalf of my XXXX XXXX son. I mailed the requisite request form, photocopies of identifying documents, and a cover letter stating my request for a credit freeze to the Equifax XXXX XXXX XXXX in XXXX, GA in late XXXX XX/XX/XXXX. I never heard back, and was told by Equifax employee # XXXX in early XX/XX/XXXX that the credit freeze request had never been received. I sent a second request with the requisite forms, identifying documents, and cover letter to the same address in early XX/XX/XXXX. I received a letter back from Equifax, dated XXXX XX/XX/XXXX, that said they were unable to process my request because they needed additional information. However, the letter did not clarify whose information they needed ( myself or my son ), and I followed Equifax instructions in my initial request by sending copies of all requisite identification forms. I called Equifax to get clarification on XXXX XXXX, and Equifax employee # XXXX told me that Equifax did not have any documentation from my earlier requests. This claim is contradicted by the XXXX XX/XX/XXXX letter I received from Equifax saying they had received my request. I asked to speak with a supervisor but was told that none were available. Employee # XXXX said she had created escalation ticket XXXX and suggested I fax the forms to XXXX instead of mailing them. I do not have a fax machine. I still wish to place a credit freeze on my XXXX XXXX XXXX son 's file, and do not know what else I can do. 

I successfully initiated credit freezes for my son with XXXX and XXXX on the first attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I previously had a credit card with Spirit Airlines/Bank of America . My account was in good standings and Bank of America closed my account for no reason. I later applied for another Spirit Airlines card with BOA in 2022 and was declined. I received a letter stating that BOA does not want do business with me. I have great credit and low XXXX XXXX is no reason for me to be declined. Bank of American is discriminating for no reason. When I call no one can give an answer as to why I am being declined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have attempted in past in writing about this debt. They are INACCURATELY REPORTING and it is a VIOLATION of my consumer rights. I called XXXX and my first date of delinquency dated back to XXXX. Which is TEN YEARS AGO. You can only resort for SEVEN years from first date of delinquency with ORIGINAL CREDITOR. Per my reports they claim XXXX which is FRAUD! They cant change the date. 
I wrote them letters to PROVE my first delinquency was XXXX to NO RESPONSE. If they are claiming this as true, PROVE IT. Its not true and they know it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX {$5000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX & XXXX wire transfer to XXXX XXXX. 
XX/XX/XXXX {$21000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX for XXXX My account was completed lost. I never received any notification from the back about unusual activity. Multiple complaints filed with USAA. Fraud at USAA completed an investigation and found it was not fraud in their opinion. Was informed there was nothing else they could/would do. 

XX/XX/XXXX Police report filed with the XXXX Police Department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: MO

Complaint narrative:
Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my XXXX history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/23, I attempted to apply for a payment program with Affirm.com. When I entered my information, I learned that someone had already opened an account using my information. I immediately contacted the fraud department and filed a complaint but was told that no information can be provided to me to protect the identity of the person who stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: MO

Complaint narrative:
Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my dmv history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: MO

Complaint narrative:
Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from am finance that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my XXXX history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the last two and half years i have expressed to bank of America that during the times they suspended or block my card between XX/XX/XXXX - XX/XX/XXXX that money was missing from my account during the blocks on the card. Bank of America has confirmed my card was block on these dates to verify my identity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX i was instructed to go into a bank America branch to verify my identity in person and to process a claim for the missing money that is missing during the block of the card. Bank of America has continued to go through transaction on my statement in stead of searching for the missing money during the block of the card. 
i have expressed to bank of America during the call on XX/XX/XXXX that XXXX XXXX is a good starting point for an investigation as i did not nor have i ever had an account with such company nor paid for ant of their services. Once again money went missing from the account during suspension/blocking of the debit card. Bank of America continue to have me on hold for hours and i was at the bank for 3 hours processing claim for missing money during block of the card. all reps have stated claim takes up to 90 days and receive letter. had to use bank america phone in branch only to process claim on XX/XX/XXXX On previous claims in XXXX XXXX XXXX i was issued partial payment for the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I received promotional checks that could be written of of my existing credit line at U.S. Bank. They stated that using the checks would include a 0 % APR through my XX/XX/2023 billing cycle and could be written for an amount up to the amount of credit available on my card. I wrote two of these checks believing I understood the terms, only to find out that each of the checks incurred a 4 % fee. 
I had since shredded the last of the three checks so I accessed U.S. Bank 's site to see what I could find about the fees and in much smaller, legalese-type text it includes a note that refers me to Interest and Fee Information disclosures. 
I do not believe this was unfairly represented in the checks that I received in the mail. I feel the marketing of this promotion is deceptive and led me to believe that the only " fee '' I would be charged is standard interest if I were not to pay off the balance before the XX/XX/2023 billing cycle. It feels abusive to not be reasonably presented all information or the opportunity to access it without incurring extra time-cost and navigation to an area that wasn't clearly presented. 
I contacted U.S. Bank on XXXX and lodged a complaint under UDAAP principles and they stated it would be delivered to their marketing team and other " higher ups. '' Obviously, I don't know exactly what that entails but I'm hoping they see it and correct their marketing materials. 
I feel that these fees should be reversed in full and that their marketing materials should more clearly state that fees are applicable and detail what they are without requiring me ( the consumer ) to have a law degree to get there.

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