vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: CA

Complaint narrative:
XX/XX/XXXX : Someone on XXXX XXXX  ( they keep changing their name ) was able to send themselves {$60.00} from my account XX/XX/XXXX : I see this transaction and tried to get a refund from XXXX XXXX but was declined. I then contact Chase ( my bank ) and tell them about the charge. They proceed to cancel my current debit card and send out a new debit card. I was then given my {$60.00} back and was told that they would look into the situation XX/XX/XXXX : I get a statement from chase that they are going to take the {$60.00} back out of my account by XX/XX/XXXX and won't explain the reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CA

Complaint narrative:
I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.

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 2022-07-14 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: CA

Complaint narrative:
I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.

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 2022-07-14 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: NV

Complaint narrative:
I reply for credit repair company to help me fix my credit and since then it seems to be misused or misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX This is a number posing as Wells Fargo. This number said I had an account with them and I dont and never have. I called Wells Fargo and the representative said they have no record of an account being opened under my name/ Soc./ phone #. 
There was a link to a fake Wells Fargo sign in page. 
https : //bit.do/WellsAccess Be aware!

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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
On XX/XX/2018 RBC Inc. put a negative mark on my credit report account. This was a medical bill that was not presented to me in any form of communication formatting. I found out thru pulling my credit report that there was a negative remark by the name of RBC Inc . I tried calling the company but could not find any contact information on the company. This negative mark affected all 3 of the bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I used my Citi XXXX to pay {$160.00} to XXXX for an art print. I received the print, but on XX/XX/XXXX, after listing it for resale online, I found out it was in violation of the copyright of XXXX, XXXX. I contacted XXXX who refused to accept a return and/or issue a refund. On XX/XX/XXXX, I called Citi to dispute the charge. The operator said that I would receive a condition credit within 2 to 3 business days. I called back on XX/XX/XXXX to inform Citi that 3 business days had passed, but I did not have the credit. They said it would be an additional 2 to 3 business days, but could not tell me why it was extended when I asked. On the morning of XX/XX/XXXX, I received an e-mail from Citi saying that there was a document online for me to review. The document was dated XX/XX/XXXX, and said ( in part ), " During our investigation of your inquiry, the amount in question was temporarily suspended from the amount you owe. '' However, the credit still didn't show on my account. My statement was released today XX/XX/XXXX, and was dated XX/XX/XXXX ( after the date on the letter ). The statement listed the {$160.00} dispute, but did not provide any temporary credit. I called Citi to ask why, and the representative said it was because the charge was so long ago. I told her that I was told I would receive a temporary credit by 3 different representatives, all of whom knew the date of the purchase. She said the credit " will be '' issued, but when I asked her to address the letter that said it " was '' ( past tense ) already issued, she completely went silent and refused to speak 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 monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2022 cash app with speaking to me on customer support but unknown to me send the money that was in my account back to sender without telling me or even questioning me about anything. You're making me jump through hoops just to get an answer on why this happened and to get it fixed and to credit my account with the money that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
XXXX, XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX, Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database that negatively impacts the identity verification process. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : XXXX XXXX XXXX, XXXX, FL XXXX Please delete the above offending information as I have never resided at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I Had a HELOC with TCF bank which is now Huntington Bank. I sold the property this loan was attached to in XXXX of XXXX. TCF provided the Title Company with a pay off amount which was paid before the good through date. Two months after I moved I got a call from Huntington bank to say I owed {$800.00}, but failed to provide information of what this amount was for. After numerous phone calls between the Title Company and Huntington bank nothing was resolved and I still did not know what the balance was for. During this time Huntington Bank was reporting me for late payments which has ruined my credit. I asked them to remove this but they said they could not unless the balance was paid. I paid what they asked even though I still do not know what this is for and sent them an email requesting they remove the derogatory reporting. This was done on XX/XX/XXXX and I have heard nothing from them. I can not get a mortgage because of this, and my lease is up at the end of the month and because of my credit score I am finding it difficult to find another house. Prior to this {$800.00} there was never a late payment on my HELOC account. Please help, I am desperate to find somewhere for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
For hearing aids allegro credit/Synchrony bank. They took my first payment from my XXXX XXXX XXXX  account in XXXX. I returned the hearing aids/never picked them up. Made sure I got the return to XXXX XXXX. Allegro told me at least 5 times that my check is on its way. I have not received anything from them. 
Allegro phone : 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 monetary relief
Consumer complaint received 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/2022 I noticed two unauthorized inquiries being reported to all three credit bureaus by Capital One Auto Finance dated XXXX and XXXX. I did not authorize any dealership to submit an application to Capital One nor did I myself submit an application to them. On the same day I mailed by certified mail a request that they investigate these inquiries and remove them as they were fraudulent. 

On XX/XX/XXXX I received two of the same response stating that they would need more information to investigate this matter. On XX/XX/2022 I responded with a letter including all the information they asked for. On XX/XX/XXXX I received the same letter ( dated XX/XX/2022 ) asking for more information. On XX/XX/XXXX I mailed by certified mail another letter including the information they requested. On XX/XX/XXXX I received two of the exact same letters from them requesting information before they could investigate this matter! 

I mailed all my responses with certified mail and have proof that they were received, however Capital One Auto Finance is seemingly refusing to investigate these inquiries. I have included copies of all my correspondence with them and the certified mail slips. I believe these responses were sent to me as a stall tactic to avoid dealing with this issue. I then escalated the issue further and filed an FTC complaint reporting these fraudulent inquiries. Capital One refuses to investigate and cease reporting fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I am requesting the audit trail ( accounting, file, ledger and transactional history ) for the consumer credit transaction that occurred on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT WORLD SERVICES, INC.
State: CA

Complaint narrative:
I checked my credit score in which I now see a debt of {$850.00} from a company named XXXX XXXX XXXX which I have never heard of. Indicates this was opened as of XX/XX/2021. I have no idea who this is. Plus shows the debt collector is CREDIT WORLD SERVICE. I have not received anything in the mail indicating details of this so called debt. And I am getting strange phone calls from folks that do not say my name when leaving messages and do not leave phone numbers either. Please assist as to how this can be removed from my credit ; I do not know who XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone has used my personal information to open a Discover credit card in XXXX. I became aware from an email that i received recently from Discover telling me i am getting a XXXX XXXX card. I new i had not applied for that card. Then i found out from Discover a credit card was opened too. It pays to check your credit report here and there. You learn the hard way. To their credit they closed these accounts immediately. I have filed fraud and security alerts with all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CA

Complaint narrative:
On XX/XX/2022 I was scammed and the scammers gained access to my online Wells Fargo banking account including my checking, savings and credit card accounts. I went to my local bank and they told me to go home and call the Fraud line which I did. The agent closed my checking and savings accounts and transferred my funds to new accounts. At that time the agent didn't tell me that my credit card might also be vulnerable. He did tell me that the wire transfer from my checking account did not go though so I assumed I was safe. 
On XX/XX/2022 I saw XXXX XXXX at my local Wells Fargo and she told me again that the wire transfer hadn't gone through. She also said there was no activity on my credit card. Later on the XXXX, I checked my online accounts and discovered a cash advance taken on my credit card of {$9900.00} plus a {$490.00} cash advance fee. I immediately called the Fraud line to alert them to the illegal activity on my account and the account was closed but the wire transfer had already gone through even though this cash advance was in excess of my daily limit. I have not used this card in years and I have never gotten a cash advance so I believe that Wells Fargo should have prevented or at least alerted me that this was happening. 
On XX/XX/2022 I received a letter from Wells Fargo stating that the case was closed and the money could not be recovered so I was responsible to pay the cash advance, plus the cash advance fee, plus a {$64.00} interest charge for a total of {$10000.00}. I subsequently received a credit card statement from Wells Fargo for that amount. 

I am an XXXX XXXX XXXX woman who has been a customer of Wells Fargo for XXXX  years. I have never been involved in anything like this before and I feel that Wells Fargo should have offered me more protection. I also believe that this money should be covered by insurance that Wells Fargo has for credit card fraud. I want them to forgo payment of this credit card debt. I have asked them to reevaluate this but haven't heard from the.

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 2022-07-14 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: AL

Complaint narrative:
I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is reporting 2 derogatory accounts on my Transunion, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report XXXX XXXX XXXX  {$610.00} and XXXX XXXX  {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, Transunion and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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