vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information

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 2023-03-13 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: MI

Complaint narrative:
I HAVE LETTERS FROM TRANSUNION ON XX/XX/23 AND XXXX XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( TRANSUNION & XXXX ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
XXXX : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO XXXX THAT THE INFORMATION IS ACCURATE. 
TRANSUNION : VERIFIED AS ACCURATE

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo. 

What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before. 

I request to close this account and they shall also refund me all the fees they deducted for doing nothing. 

Thank you for helping!

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My account went to collections and I paid it to XXXX. Barclays Bank Delaware and the collection agency is XXXX XXXX XXXX. I sent a copy of the XXXX balance letter to XXXX and it is still showing on my credit report as potentially negative with a {$0.00} balance.

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 2023-03-13 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 — Investigation took more than 30 days
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Simmons Bank was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently XXXX still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring XXXX properly reports my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, I filed a claim with wells fargo ( XXXX ) against XXXX XXXX for ~ {$170.00} because they charged my card for a subscription AFTER I cancelled my free trial. Wells fargo completed their investigation and credited my account. Months later, they reversed the credit and I called again to confirm the information I had provided about my claim the first time and spoke with a lady who said it would all be taken care of and it was their mistake. They never rectified the charge, so my account was closed.

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A transaction error occurred on XX/XX/2022 while I was trying to transfer funds from a checking account with Chase bank to a XXXX XXXX checking account using XXXX pay. The transaction was for the amount of {$1000.00} and was sent to an incorrect account due to an error in the phone number. Within 5 minutes of realizing the error, I reached out to the unintended recipient of the funds and reached out to Chase bank to notify them of the error. Chase bank responded that they would reach out to the recipient bank and would open an investigation. Within 3 days, I received an electronic letter notifying me that the dispute was closed and that Chase bank would not be doing a reversal. All attempts to reach out to the recipient failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Following issues in linking a new bank account to target financial, I was provided an error message citing XXXX as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted XXXX as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay Target in cash. I recorded the representative telling me that XXXX will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. XXXX is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. Target has so far only been able to blame XXXX and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a Target Contractor, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX- acct # XXXX, XXXX XXXX- acct # XXXX, XXXX XXXX acct # XXXX addresses to delete : XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXXXXXX XXXX  ohio XXXX, XXXX XXXX XXXX XXXX XXXX NC 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX- acct # XXXX, XXXX XXXX- acct # XXXX, XXXX XXXX acct # XXXX addresses to delete : XXXX XXXX XXXX XXXX  ohio XXXX XXXX XXXX XXXXXXXX XXXX ohio XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: WI

Complaint narrative:
TransUnion has continued to withdraw {$19.00} from my bank account for an unknown service without prior authorization. On XX/XX/23 I spoke with several supervisors, and was disconnected twice. No one would or could resolve the issue.

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 2023-03-13 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was mailed a check to an old address from the Tennessee Department of human services child support division on XX/XX/XXXX. The check was a check from the Tennessee Treasury department for federal tax intercept from non custodial parents arrears in the amount of {$4800.00}, for past due child support arrears. 

The address that the check was sent to was XXXX XXXX XXXX, XXXXXXXX XXXX., i moved from that address in XXXX, and moved from XXXX XXXX XXXX of XXXX to XXXX . I have been living in XXXX from XXXX to the current, However someone at the previous address in XXXX cashed the check at Wells Fargo Bank. I found out thru the non custodial parent that her federal tax was intercepted and sent to the XXXX XXXX XXXX Address. 

So I contacted the Tennessee Department of Human Services Child support division, and I was told that there was a check sent out and that the check was deposited and cashed at Wells Fargo Bank. 

I filled a fraud claim with the Tennessee department of human services child support division and filled a sworn affidavit, with my signature and state of XXXX drivers license. 

I was then mail a copy of the sign check which was deposited into Wells Fargo Bank the wasn't even close to matching my signature because I have a very unique signature. 

It's been a little over year now, I have continually contacted the Tennessee department of child support thru phone they keep telling me that Wells Fargo is NOT responding to them, and I'm somewhat frustrated because I signed sworn affidavit stating that there was no way that I cashed the check, I do not bank with Wells Fargo and never have, the signature obviously doesn't match mind and so I really need you help. 

Thanks in advance.

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2023 I wrote letters to multiply debt collectors XXXX XXXX XXXX, Portfolio Recovery Services, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Applied for American Express Card upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the Amex app. We went through this several months ago with my wifes Amex card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but Amex continues to send this report. Have been a customer of Amex for 23 years. Dont think we will make it to 24 years but I want this information fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: TX

Complaint narrative:
On XX/XX/2022 an account was opened fraudulently with my information with Dignifi web bank. For the past 3 months I have disputed this with credit bureaus as well as made statements with law enforcement. In spite of this, Dignifi has still not removed this fraudulent accout and continues with collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On Tuesday XX/XX/XXXX I contacted XXXX, Experian and XXXX to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.

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 2023-03-13 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a check from Chase Bank dated XX/XX/XXXX ( # XXXX ) on XX/XX/XXXX. I attempted to cash the check two times at our local branch. The first time the teller advised that the account was closed, she was right, I no longer have my business. I provided ID and she said I need the account number? its not in our system. I went back for the seconded time and provided the closed account number ; the teller advised she could not cash the check from them because its over 6 months old. I was advised to call the number on the check which I did. After an hour on hold I was advised see a banker in the bank, so I called the number listed and got another recording, after an hour and listening to a computer I figured I would just go there again, I was told to call the number and make an appointment over the system? 
This is why I no longer bank with Chase, do I need too take them to small claims court over XXXX XXXX dollars and get a judgment?. Please advise. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, Transunion and XXXX credit report : Account name : XXXX. Transunion Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2023 I initiated a Balance Transfer Loan from CitiCard XXXX in the amount of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX 

The amount was cleared on my CitiCard, but has never been received by my XXXX XXXX. 

Research with CitiCard indicates the payment was sent electronically to XXXX XXXX XXXX ( XXXX ). However, XXXX no longer administers the XXXX XXXX Account. 

In every encounter, I have confirmed the correct XXXX XXXX account # ( where it should go ) and the mailing address for the receiving party. 

Today, my XXXX score dropped XXXX points from " Very Good '' to " Good, '' based on the {$10000.00} not paid down at XXXX and the {$10000.00} now being charged on the CitiCard. I have provided authorization for XXXX XXXX to speak with CitiCard- but that discussion has not happened. 

What will it take for CitiCard to correct the mispayment of these funds?

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