vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report 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 2022-03-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wallet and XXXX were stolen while I was traveling in XXXX XXXX, California. I reported fraudulent charges on my Chase Sapphire Preferred credit card within minutes of the charge being made. The people who stole my card were denied the first charge they made, but completed the transaction again and Chase allowed it to go through despite me reporting the previous charge as fraud within minutes.

I filed police reports, froze my credit accounts, had to order a new debit card and driver 's license. My iphone that was stolen wound up in XXXX ( via findmyiphone ), which suggests a pattern of theft from this person/people who stole from me.

There were 2 fraudulent charges made on my Chase card on XX/XX/21. The first one was made at a XXXX for {$46.00}, and the second was made shortly after for {$410.00} at XXXX. Chase has approved the XXXX charge as fraud, but will not recognize the XXXX charge as fraudulent. I have sent in numerous documents to prove that I did not make those transactions, including confirmations of police reports, proof that I ordered a new driver 's license, proof my XXXX was stolen, and a statement from my XXXX account showing that I exclusively use my XXXX XXXX  there and never my Chase Sapphire card ( and a copy of all XXXX transactions for the month of XXXX from my rewards account ).

Chase has not provided any reasoning as to why they are denying these fraud claims. They have not asked me for any specific proof beyond what I've sent, and have not shed any light as to why they would approve the XXXX charge but not the XXXX charge. I have called them on the phone on numerous occasions in which they assured me they were looking into it, only to receive a letter saying it was 'thoroughly investigated ' without any explanation or description of what those investigations entailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX XXXX  : XXXX / XXXX / XXXX GM FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX CBNA : XXXX / XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

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 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After previously requesting that XXXX XXXX not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: MI

Complaint narrative:
It's been so agitating waiting for Equifax 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
I've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Did not notify me of the investigation that was endured for my consumer report. I am requesting an audit of full details regarding the investigation of my complaints on my consumer 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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a balance transfer from Wells Fargo to XXXX XXXX for a total of {$5800.00}. The transaction was concluded on XX/XX/2022, with XXXX XXXX showing the balance I owed them as of that date. 
But, Wells Fargo still shows that I owe them the {$5800.00}, and their representative says it will take 1 to 3 days to post... BUT, they acknowledge that transaction took place because they already adjusted my available credit, but they will NOT let me use it, as the actual balance amount was NOT updated.

So, Wells Fargo has DELIBERATELY programmed their a system to DELAY adjusting the credit balance so they can continue to charge interest on the {$5800.00} even though they have that money.

This is yet another example of why Wells Fargo should be sanctioned and fined for continuing their criminal behavior, over and over, and over again.

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 2022-03-15 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My credit report is reflecting a new accounts that were opened that are fraud and not me. I think my identity was stolen. This includes an account for " XXXX '' as well as " Comenity Capital Bank ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
after sending the last {$4100.00} of a scam that I was unaware the banker didn't warn me that this was a possibility of a scam since I was sending a lot of money in a short period of time. after I find that it was a scam I ask the bank to recover my money but no results in my favor were given. XXXX, I'm asking for help.

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 2022-03-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened a checking account at Chase Bank here in XXXX XXXX, XXXX. I opened the account because they offered {$220.00} for a new account openings with a direct deposit from a retirement account Social Security account or other direct pension payment. After the account was opened I contacted my individual retirement account institution and arranged for a regular monthly periodic payment from the IRA. Chase has received the monthly payouts from my IRA for XXXX, XXXX, and XXXX, XXXX  but steadfastly and without foundation will not pay me the {$220.00}. I am a senior citizen. I get the run around from Chase Bank complaint department. They say that it is not a direct deposit from an IRA but rather from a brokerage account. This is wrong and incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a checking account online with Citibank, never used it and requested thru chat to close it when I was charged an inactivity fee. It took two separate attempts on chat to close the account, each month the account would be at {$0.00}, they charged the inactivity fee and then an NSF fee. It seemed that the account closed because it is no longer on my online banking when I sign in. 

I received an email on XX/XX/XXXX stating my account is overdrawn {$46.00}. I called to resolve the issue today XX/XX/XXXX, but no one will help me because I do not have the account number. I don't have access to the account number because it is no longer available online. I am told I can not be helped and the phone line goes dead when I ask to file a complaint. 

These charges are deceptive, false and now impossible to resolve. 

A company this large should have a better system to handle complaints. Using a foreign call center who disconnects the call is unacceptable. I made three attempts to resolve this today between XXXX 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 2022-03-15 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I purchased a handbag online on XXXX on XX/XX/2021. When attempting to contact the seller regarding shipping and delivery information, the seller was immediately unresponsive and no longer a seller on XXXX. I attempted to cancel the purchase, and was unable to. I escalated the issue to Paypal credit because purchases are supposed to be protected through XXXX. I was also given erroneous shipping information via XXXX. I also checked the ring camera, and there is no evidence of delivery. The product never arrived, and I have been disputing this issue for months without a definitive resolution. I have been scammed by the buyer, and both XXXX and Paypal Credit ( Synchrony Bank ), are not responding. I am a customer who has been scammed, and should be protected by Paypal Credit and Synchrony Bank when these types of situations occur. I am current on my payments to Paypal Credit, and they are not protecting me as a loyal customer and consumer. Please help!

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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-03-15 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: CA

Complaint narrative:
fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CORELOGIC INC
State: IL

Complaint narrative:
There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry.

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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
hello on XX/XX/XXXX chime close my account because they say that i had mad to many deposit in my account i have work cleaning houses an my client paid me cash so i will deposit it into my account with chime so i want have cash on me so when my taxes went in to my account on XX/XX/XXXX they close my account on the XXXX  not letting me get my money out they told me to send in my id an lease my ssn an card a bill a copy of who sent me the money from a deposit an i did all of that im so stressed out that im about to lose my car be in the dark all this is my hard working money that i worked for an they want give me my money so i can take care of me an my child i been up crying trying to find ways for us not to be in the dark or for them not to come an take me an my child car it is so sad that they doing this to me an my child i just want to get my money from them so i can pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 
XXXX XXXX never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 
XXXXXXXX XXXX needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 
According to the attached XXXX mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 
All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX a debt collection notice was received from XXXX XXXX XXXX XXXX XXXX. Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. 

The company XXXX XXXX XXXX XXXX persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. 

Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. 

This account should have never been sent to collections for it was never delinquet.

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