vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card was charged at XXXX XXXX in XX/XX/2023 in the amount of XXXX The transaction was declining and we canceled the order, I was told by the merchant my transaction was voided and the charge will fall off shortly. The charge was posted shortly after and I filled a dispute on XX/XX/2023. I called several times and requested a status updates where multiple representatives reassured me the transaction was disputed. I sent a form back in XX/XX/2023 and I called on XX/XX/2023 where I was once again reassured by a representative that nothing was needed and the case should be resolved. The agent was extremely miscommunicated and ask to speak to a supervisor where my call was escalated to supervisor by the name of XXXX, she reassured me everything was received and my case should be resolved shortly. On XX/XX/2023 I received a letter stating I did not file a dispute within the timeframe allowed. This is unacceptable as I called in multiple times and Macys XXXX XXXX employees reassured me everything was fine and dispute was moving forward.

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 2023-10-21 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: CA

Complaint narrative:
I was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at XXXXXXXX XXXX the parent bank of XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX XXXX XXXX  another XXXX XXXX Pls demand this collection be removed.

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 2023-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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

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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with XXXX XXXX XXXX XXXX and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called XXXX to dispute the money. XXXX said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through Zelle, with the contact information XXXX. I did that ( transaction number XXXX ), but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, XXXX to be Zelle. They said " ZELLE : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refusedtogivemeone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hello, I received a giftcard ( visa ) for {$100.00} from XXXX as a gift and the security code is missing and most of the card numbers are missing. Therefore, I cant use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
In accordance with the fair credit reporting act the acvounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A section 2 It states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXX/XX/XXXX Balance XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$100.00} / XXXX XXXX XXXXXX/XX/XXXX balance XXXX XXXX XXXX XX/XX/XXXX balance XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX balance $ XXXX XXXXXXXX XXXX  XX/XX/XXXX Balance {$120.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX, went to purchase material from XXXX XXXX and presented my Chase Debit Card XXXX and payment was rejected. To this day no one has explained any reason for this. In my account on that day was an existing balance of {$8000.00} and a customer paid me for my general contracting services from their Chase account via a wire. This is a very long time customer who has paid me many times via wire for my bills from the same CHASE account into my CHASE account. When I have gone to the bank, they refuse to explain anything, give me a corporate number to call and they explain nothing at first and on XX/XX/XXXX when I returned to see about my money, I was told they were closing my account and mailing me a check with a letter explaining why this had happened. Today, I went back to tell them no check received in eleven days and spoke to a manager. I was told after they made a call, no check was sent so I am sitting with no funds still. Chase knows the customer I received the funds from for a long time, I have received payment multiple times to this Chase account from the same account so what is the problem. Why will no one explain what is going on? Why do I have no access to any funds if this wire is the source of their concern? I have employees to pay and am going to lose them due to this bank freezing all my money. Can you help me asap please. I am wondering if they are doing this due to the fact I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I saw this offer from XXXX about used XXXXXXXX XXXX XXXX for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured 3 payments on XXXX from my chase bank, {$350.00} ( Transaction ID XXXX ) for him to send the phone, {$150.00} ( Transaction ID XXXX ) after he mailed the phone, and {$100.00} after I got it. He sent me a USPS tracking number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX To whom it may concern : May I please receive some consideration for future investigations as a valued customer, regarding {$500.00} reversed from my checking account ending XXXX on XX/XX/2023. Because I thought the person contacted online was from XXXX, as a value customer this has put a negative impact on my finance, and Ive attached additional information as well as local police department report case number XXXX. Filed On XX/XX/2023 at XXXX XXXX XXXX at ( XXXX ) XXXX he texts me back immediate once I discovered it was a fraudulent activity conducted on XXXX XXXX approximately XXXX XXXX thru. app. Called any desk app. XXXX from Chase Claims Department took my complaint over the phone. 

Might I include the person I communicated over the phone however its not in order or date sequence XXXX XXXX at XXXX XXXX  Name XXXX at Chase Customer Claim Supervisor XXXX told me I was scam and no further action will be taken Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a victim of identity dei have but notified of lawsuits pendant and outstanding debt that is not mine I have corrected this with several companies but XXXX XXXX XXXX  has summons me with lawsuit paper of with a default judgment was granted due to me know being educated and on giving aple time to prepare for my case I have no knowledge of said company and have requested Jefferson capital to send me proof of debt which the refuse to send causing the end result of said lawsuit to be rendered in there favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
In an effort to solve the issue described in my previous CFPB complaint, I gave MOHELA a call. After patiently waiting on hold for more than 2 hours, I asked customer service why my SAVE payment was so high. They did not know and told me they would recalculate my payment while I was put on administrative forbearance. 

Shortly after, I got a written notification from MOHELA that they needed 90 additional days to process my payment. This is unacceptable. They sure did send me my bill quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I've XXXX a victim of identity theft per mail theft and have filled identity theft with the IRS and have my from XXXX XXXX XXXX XXXX XXXX my afvadavate of identity theft from from the IRS and have had my pay pal Master card pre paid account whipped out I've XXXX a victim of unauthorized transactions and have since disputed the charges with pay pal Master card directly with no avail they simply just denied my claim with no error found and are completely useless when I call in for help from the customer service number from deninying me accesses to not willing to help what's so ever in reoping my cases please help XXXX XXXX Account number XXXX Claim number XXXX Claim date XX/XX/2023 Claim amounts {$2500.00} Trans dates XXXX XX/XX/2023 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
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX my wife and I opened an account with BMO Alto for a CD. I filled out the online form to have me as the primary owner, and my wife as a co-owner. BMO opened the CD after I had funded it from a BMO checking account. They emailed my wife an invitation to become a co-owner. She filled out the required form online, but BMO rejected her as a co-owner. We have called BMO Alto twice to resolve this issue to no avail. We never would have opened this account if we knew we could not both be owners. This is my wife 's money as much as it is mine, and it is not right that she can not have access to money which is hers. If I were to become sick or otherwise unable to manage the account, she would need to have access to our funds. BMO has refused to reconsider its decision on this, or to give our funds back to us, or even to give us a reason for the denial. The BMO customer representative who we talked to yesterday, XX/XX/2023 said she was referring our complaint to another level, but could not guarantee that a person would get back to us. We want our money returned to us without penalty, or my wife added as co-owner, as BMO offered on their website.

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 2023-10-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX From XXXXXXXX XXXX XXXX  and the Account # XXXX From XXXXXXXX XXXX XXXX XXXX XXXX, have 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

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 2023-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX From XXXXXXXX XXXX XXXX and the Account # XXXX From XXXXXXXX XXXX XXXX XXXX XXXX, have 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I recently received XXXX statements and they both stated I have not made any payments since XX/XX/2014 which is completely inaccurate from my understanding and then they stated I owed XXXX XXXX  which I can not afford their payment of XXXX XXXX  a month. 

I will plan to file for total forgiveness and also write a letter to them which I did in the past and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Previous complaint XXXX Equifax Other credit bureaus removed Equifax claims the report is correct I called XXXX XXXX XXXX XXXX to XXXX at XXXX at XXXX. 
He acknowledged account was resolved and should be removed. He said he would advise them. Which other two bureaus promptly removed item. 

Oddly this is his report reads, see attached : DATE OF FIRST DELINQUENCY XX/XX/XXXX DATE OF LAST PAYMENT XX/XX/XXXX *This is the date when I made the agreed payment within the time agreed which resolved the account. 
DATE MAJOR DELINQUENCY FIRST REPORTED : XX/XX/XXXX How is that even possible? Date major delinquency first reported SIX years AFTER Date of first delinquency?!!! And FOUR years after the account was resolved?!!! 

Credit bureaus should not be reporting items incorrectly a full SIX YEARS LATER, and FOUR YEARS AFTER ACCOUNT RESOLVED to hurt the current credit of clients. That should be illegal. Are they harassing clients? I have worked hard to correct my credit after my home was flooded and I had to come out of that major disaster. And now, 6 years later Equifax is actively trying to harm me. 

XXXX XXXX did not report that in XXXX, clearly. I did not report it in XXXX. XXXX XXXX has agreed it should be removed. Obviously, Equifax either made and error they will not remove, or someone at Equifax has wrongly entered information on my account. 
Equifax needs to be held responsible and not harm me with their internal error/mistakes. 

Just looking at the dates, anyone can see something is wrong here. 
And they clearly provided misinformation as to telling me they contacted creditor XXXX XXXX and it is correct. Because XXXX XXXX says it is not. So I have my doubts they did research it. 

The fact that other agencies deleted this further supports what I say here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX this company CNACXXXX XXXX XXXX ran my debit card without my consent. My account is not on auto pay and they had been calling back to back for at least a week or so prior to attempting to run a transaction. They couldnt contact me and decided to run the transaction without my consent. Luckily I didnt have anything in the account. This company get customers to sign unfair contracts saying they will repo your car if you miss one payment. They have multiple complaints and suits against them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tried to submit the following content several times. 

Dear sir, Today, on XX/XX/2023, I received a replacement card for my illegally used card ending XXXX. Since I noticed the illegally usage of this credit card account, which ending XXXX, I determined to order another replacement card. At XXXX, I tried to replace through the bank website. And as the printout shows as evidence, I certainly called XXXX as the site told me to do it. However, it ended up activating the card, which numbers were used illegally and charged several hundred dollars. Therefore, I seriously beseech to send me legally and safely usable credit card from your company. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Inexplicably XXXX- which is a XXXX card - provided by Wells Fargo - locked my commuter account and I am not able to use the card with money I have on the account. XXXX refuses to provide a list of pending transactions and refunds and refuses to answer the phone.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are fraudulent and I demand they be removed from my credit report within 4 days of receiving this document per 403B in the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation