vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: OH

Complaint narrative:
account on my credit report that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I have sent in the necessary documents to Experian credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that they decided not to block the fraud items off of my report, stating that my documents have not been processed to my file, and I've sent them weeks ago so i don't believe that. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Experian 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.

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 2023-08-28 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: GA

Complaint narrative:
I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : Transunion, XXXX, and XXXX. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system XXXX  ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the XXXX system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MO

Complaint narrative:
Hello my name is XXXX XXXX. and I am on XXXX and selected to use the debit card that the XXXX uses. The bank is Comerica and the card company is Direct Express. I placed several online orders with XXXX, my account was debited twice for XXXX different orders. I spoke with XXXX to see if they submitted the purchase amounts multiple times. XXXX states that they only submitted the amount once. I contacted the bank ( Direct Express ) to dispute the charges on XXXX different occasions and each time my claim was denied. 
I have 10 different charges from 10 different orders that amount to over {$700.00}! I included my bank statements which show the duplicate charges. and each time Direct Express still denies my claim. I don't know who else to contact regarding this. Any information that you have that would help me, would be greatly appreciated. 
I am enclosing the order numbers, order date, duplicate date & the amount of the purchase. 
XXXX Order Number Order Date Duplicate Date Amount XXXX XX/XX/23 XX/XX/23 {$300.00} XXXX XX/XX/23 XX/XX/23 {$21.00} XXXX XX/XX/23 XX/XX/23 {$17.00} XXXX XX/XX/23 XX/XX/23 {$67.00} XXXX XX/XX/23 XX/XX/23 {$53.00} XXXX XX/XX/23 XX/XX/23 {$100.00} XXXX XX/XX/23 XX/XX/23 {$32.00} XXXX XX/XX/23 XX/XX/23 {$47.00} XXXX XX/XX/23 XX/XX/23 {$4.00} XXXX XX/XX/23 XX/XX/23 {$68.00} Total {$720.00} I am also enclosing the claim dispute numbers that have been assigned to my complaint : XXXX, XXXX, XXXX I would appreciate any and all help in this matter, Direct Express has been very unresponsive to my concerns. Someone from the Claims Dispute department called one day, left a voicemail telling me to call her back at the number on the back of my card. When I called back, which was in a matter of minutes. I was informed that they could not transfer me to the dispute department because they could not receive calls, as they could only call out. While on the phone the representative that I was speaking with informed me that my case had been closed because they had not been able to reach me by phone and my case was once again denied. 
I thank you in advance for any help that you can give me in this matter. Please feel free to give me a call regarding this matter @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Date of incident XX/XX/2023 Kohl 's recently partnered with Capital One to handle credit card payments for them. Until today I would have had an option to use my Kohl 's card or the Kohl 's VISA card with Capital One when I logged in. Today the only option I had was the Kohl 's VISA card. 

When I tried to use the Kohls VISA while shopping online, it said I had to connect the card. In order to connect my card I had to enter the account expiration date and security code. I didn't have this information because I never received a physical card ( plastic card ) from Capital One. I called Kohl 's and was told I had to contact Capital One I went to the Capital One website and saw a red box that said Kohl 's VISA in big letters with a drop down box to " get your virtual card ''. I clicked on this box and wrote down the account number ( ending in XXXX ), expiration date and security code. I tried to use this to process my purchase on the Kohl 's website. I kept getting error messages that I did not enter the correct expiration date or security code. 

I called Capital One and explained the above to them. The representative told me that the virtual card was my Capital One card ending in XXXX. My Kohl 's VISA card had an account number that ended in XXXX. I repeatedly told her I want to know the full account number, expiration date and security code for my Kohl 's card. I could not connect the Kohl 's card without this information. She refused and kept telling me I could just use my new Capital One card ending in XXXX. I adamantly refused to use their card and demanded to speak to a supervisor. She told me my Kohl 's account ended in XXXX and the expiration date was XX/XX/2023. I demanded to speak to a supervisor. 

When I spoke to the supervisor, she would not give me the full account number, would not give me the security code, would not provide a plastic card and would not provide a virtual card. When I threated to report the credit card company she connect the Kohl 's VISA to my Kohl 's account so I could use it to make a purchase. This process took more than one hour. 

I don't know if I'll be able to use my card on future purchases. Most purchases I make online with a saved credit card still ask for the security code. If that's the case, I won't be able to make a purchase using my Kohl 's VISA without going through drama on the phone with Capital One. 

If I hadn't threatened to report them form credit card fraud, my Kohl 's VISA would not have been connected. It appears to me that Capital One is trying to force Kohl 's customers to use their credit card instead of the Kohl 's VISA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX a wire transfer for {$46000.00} was summited to our family trust account at JPMorgan Chase Bank NA from XXXX XXXX. Chase bank refused to accept the funds. 
The transfer should have taken no more than 48 hours but it still has not been completed as of XX/XX/XXXX. 

We called Chase Bank on XX/XX/XXXX and were told they had reached out to XXXX XXXX  and were waiting to hear from them. To give them 24 - 48 hours. We called them back several times over the past week and the money has still not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around XXXX I took about XXXX or XXXX from my credit to make a payment of something there I keep getting to separate interest charges on my credit cards account when I contacted the Wells Fargo credit card people the person I spoke to told me that the charges was for over draft and said that as soon as I pay my over overdraft I would not be charged two interest charges anymore, so I listened to her and payed my credit card so I dont be over overdraft but on the next month I saw I was still on getting the two interest charges on my account whenever I made a payment. I contacted them again no one was able to give a proper response why I was getting charged two interest charges. I spoke with one of the managers she didnt understand why they were making me pay two interest charges also she went and asked me to make a complaint so I did make a complaint which the person I was talking to processed the complaint for me that on was on XXXX since then wells never get back to me and Im still getting two interest charges on my credit cards today the XX/XX/23 while I was talking to one of the Wells Fargo credit cards people they were very rude and unprofessional the lady I was talking to and who was taking my complaints was very rude she didnt even let me talk she hang up on my face. Wells Fargo have been even taking money on my debit cards account and falsely charged me and since last year they have been charged me twice for interest rates. When I got my credit card the Wells Fargo bank I went to and that person never explained to me that there would be a two interest rates charge is take or make payments through my credit card I was told that today when I was talking to one of the Wells Fargo customer service people. On This month XX/XX/23 they charged me 4 interest charges I dont even know why.

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 2023-08-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX ( or XXXX ) I purchased a Vanilla Gift Card with {$250.00} on it for my daughters XXXX. I made the purchase at XXXX or maybe XXXX. 
On XXXX my daughters opened the card to see that there were NO card numbers on it, so it can not be used. I see the first XXXX digits and nothing else. I have the card with me and the outer sleeve it came in. I do not have the receipt but might be able to get it via my credit card company not sure. 
I tried called Vanilla GIft Cards .. no one answers my phone calls. I have been trying for several weeks now. 
PLEASE HELP. 

I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX had judgement for {$2300.00}. They turned it over to Southwest credit. On XX/XX/2023 I paid debt off at a reduced rate. Spoke to a person who said his name was XXXX XXXX and said he was a supervisor. Asked for written confirmation and was assured it would be mailed. Called again XX/XX/2023 and was told they would email me. No email, called again on XX/XX/2023 and was told I would have a email within 72 hours. No email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.

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 2023-08-28 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: PA

Complaint narrative:
I reviewed my consumer reports and found out that informs on my credit wasnt accurate. I did a dispute and Experian sent me back my results saying the accounts I disputed was verified. I then went to smalls claims court and filled a lawsuit for {$5000.00} and for tradlines to be deleted. Im willing to do a settlement offer if there willing to negotiate.

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 2023-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
XXXX  I was a loyal customer of Chime bank 3+ years. I used my account for saving and checking as I would with any other bank. During the Pandemic I started receiving my Unemployment benefits via my Chime account ( it was my only account ) I used it for everything day to day. XX/XX/2020 Chime put a freeze on my accounts. I Reached out to Chime Via phone and Email. I was advised that I may have a been a victim of Fraud and was asked to send in Documentation. I promptly sent the necessary documents I was instructed to -to no Avail. Each time after Was asked to send in something different and I did. Each time I was given a new " reason '' as to why my funds were still frozen. Now 3 years later and still pushing to get my accounts unfrozen, Chime has offered me NOTHING. No call back My funds both checking ( {$9000.00} ) and Savings ( {$2300.00} ) have yet to be released to me. I've called almost every week and keep getting " someone will be InTouch ''. No one has called or responded to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a citi card that was issued around XX/XX/XXXXXXXX  the thing is the card was sent to a different adress than where i reside ... .Once they corrected that issue and i received my card i began using it at the costco XXXX XXXX XXXXXXXX  XXXX I only used the card 3 times within a day or 2. Once i recived the bill i paid for the purchaes that i made, but i was told that the card was used in many locations and different states. I told them that i had the card in my posession and I did not make the purchaes that were attached to my account. I disputed it with the credit card company, and they denied the claim because they said i still had the card in my posession. I told them that the original card was sent to a different location and that could be why other charges we added to my account ... ... ..I asked them to look up the initial adress where the card was first mailed to and thet told me they do not see any other address on file ....

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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