vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: CA

Complaint narrative:
Please look at my both of XXXX XXXX XXXX. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years XXXX. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
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 non-monetary relief
Consumer complaint received 2021-08-17 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: CA

Complaint narrative:
I have attempted to dispute the erroneous accounts with the credit bureaus, XXXX, XXXX, and TransUnion but the credit bureaus have refused to respod. I have sent numerous attempts sent certified mail and the credit bureaus lack of response is a violation of the Fair Credit Reporting Act. I have attached the most recent letters as well as provided the certified mail receipt numbers to prove the credit bureaus have received the dispute letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I stopped by my local Wells Fargo branch to withdraw my funds and close my account.. When I walked up to the door they had a notice stating that they were not allowing people in the branch office and all transactions needed to take place using the drive-through. I went through the drive-through and told the lady I wanted to close my account. She said couldn't do that inthe drive through. I told her I tried to go into the branch but its closed. She said she could give me my money, but I'd have to either make an appointment or call customer service to cancel. I called customer service and was told I couldn't because there was a pending transaction that needed to clear first. That transaction is from when the drive thru lady gave me my money. I'm filing a complaint because I know Wells Fargo is now going to charge me a fee for not maintaining a minimum balance. They are delaying my ability to close the account on purpose to charge me a fee. It's wrong. This should have been a simple transaction but they are creating a situation where I'm now being forced to pay a fee I shouldn't have to.

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 2021-08-17 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-17 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: FL

Complaint narrative:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

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 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I attempted to open a Chime checking account on XX/XX/XXXX. 

The application process asked me to scan my ID which I couldn't do at the time because I couldn't find it. I decided to go back to the application when I found it and left the website open. 

When I returned, it told me to restart my application because it timed out. I put in the same information and it declined my application immediately. I recognized this as the system thinking I'm trying to open a fraudulent account because my action of submitting a second application is suspicious. 

I contacted support immediately via email and they requested me to send a picture of my SOCIAL SECURITY CARD over email. 

I sent them a picture of me holding my ID, the front and back of my ID, as well as my social security card, despite my fears of identity theft in the event of a compromised system on their end. 

5 days later, they email me that they can not offer me an account which makes no sense. I am a college student, already have 2 credit cards in good standing and simply want a checking account that works for my needs. I don't want a brick and mortar bank. 

I seem to have fallen between the cracks in the Chime support system. I just want a checking account. It isn't that hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: KY

Complaint narrative:
On XX/XX/2021 I mailed dispute letters to all 3 bureaus requesting XXXX XXXX correct the inaccurate payment history reporting of a mortgage loan I had with them. No response, and I mailed them a RESPA request, no response!

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Toady. XX/XX/XXXX, I attempted to obtain my XXXX XXXX results. Alas, it said my correct information was incorrect and I couldn't access them. So then I tried to make some accounts on credit websites all of which said the info didn't match the credit beauro. So someone has put false info under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One Credit Card ( XXXX ) in which they offer Cash Rewards every time you spend and pay. At one point during the pandemic we could not make a payment since I did not have a job, they did call me and inform that my Credit Card will be froze due to non payment despite me complaining that I am jobless. However, today I am fine and I paid the minimum and promised them we will start paying. They told me on a recorded line that once the payment is posted {$110.00} we can then use our CASH REWARDS that we earned towards the amount we owe, but that is not the case. Now when I called them back after payment successfully posted they said that we are not able to use since account has been frozen. We do not want to use the credit card but want our cash reward which we earned fairly. 

Amount in cash rewards {$150.00} Last posted successful payment {$110.00} I was told on a recorded line by ( 2 ) capital one agents, one by collections and other by rewards program department that we can redeem cash back on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 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:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

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 2021-08-17 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: FL

Complaint narrative:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TX

Complaint narrative:
These charges were did NOT authorized and I reported the fraudulent activity to Cash App on XX/XX/2021. I reported the fraudulent activity to XXXX on XX/XX/2021 as well. I have alerts set up on my XXXX  account and was alerted by text and email on XX/XX/2021 about these 2 transactions. Since I did not authorize these transactions, I immediately opened a fraud claim. You will see that these 2 transactions were taken with 2 minutes ( XXXX XXXX  and XXXX XXXX  ) of each other until I did not have enough funds to process another transaction. 

After I saw that Cash App did not properly investigate my claim, I unlinked my account and deleted Cash App from my phone. 

I noticed in the information provided by Cash App through my complaint with XXXX  XXXX XXXX, the IP address in their documents does NOT match the IP address for my cell phone. IP address for my cell phone is XXXX. IP address provided in their documents is IP XXXX. Cash App should have performed their due diligence to find out who the IP address belongs to that initiated the transactions because then they would know transactions were NOT initiated from my cell phone and would not have reported to XXXX  that I authorized the transactions because I DID NOT AUTHORIZE THESE TRANSACTIONS. 

I did not authorize the payment through the cash app of {$500.00}. I do not know the person who the money was sent to. I do not know how the money was sent from my cash app account to this person. I contacted cash app to make them aware of the fraudulent activity the day it happened. I sent them screenshots showing the two {$250.00} transactions were not part of my completed history and the person was not in my activity. Cash App did NOTHING to investigate my claims based on the information I provided them. Cash App has several lawsuits because of this type of fraudulent activity.

Cash App did not investigate my claim in accordance with the Electronic Funds Protection Act after I reported the fraud. If they did, they would know the IP address that initiated the transfer does not belong to my phone and even the the email address of the person who received funds seems suspect, XXXX. Cash App XXXX is not taking my fraud case seriously. 

I have also raised a financial crimes division of the XXXX XXXX XXXX XXXX, case # XXXX. 

XXXX  issued me a temporary credit of {$500.00} for these fraudulent claims until claim could be investigated. Based on the data provided by Cash App/Square, XXXX reversed the temporary credit which caused my account to go into overdraft because Cash App claimed I authorized the transactions even after I sent Cash App evidence I DID NOT authorize the fraudulent transactions. If Cash App would have followed the guidelines of the Electronic Funds Protection Act, Cash App would know the fraudulent activity was not initiated from my device ( cell phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My mother passed away on XX/XX/2021. She left everything to me in her will and made me her executor. I had cancelled a purchase for XXXX. But XXXX put it back on the card ending in XXXX when they weren't supposed to. Navy federal is refusing to let me have my money back since it's in my mother 's account. My mother left me in charge of her estate and checking account after she passed away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: VA

Complaint narrative:
I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is XXXX XXXX XXXX XXXX. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/2017. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XX/XX/2021, I made a purchase from XXXX  XXXX for a weight bench and a set of hand weights. The order total was {$520.00}. The order was billed to my TD Bank XXXX XXXX XXXX account in 2 charges, I suppose because these 2 items were shipped in 2 shipments. The charges were {$310.00} for the bench and {$210.00} for the weight set. In error, I was double charged {$310.00}. My card balance should be {$520.00} but the balance is {$840.00}. I have tried numerous times to resolve the issue with being overfilled by {$310.00}. However, TD Bank and XXXX  XXXX are both unwilling to help me. TD Bank tells me that I need to call XXXX XXXX and XXXX XXXX tells me that I need to contact TD Bank. Neither company will assist in resolving, they only want to refer me to the other company. During my most recent call, TD Bank was extremely rude to me and told me that they have had no record of me ever calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On multiple dates including XX/XX/2021 and XX/XX/2021, Ally Bank, NA failed to process a wire transfer request made in the day it was requested. In both instances, the request was made early in the day and we attempted to reach out proactively to verify the transfer information. It is my belief Ally is intentionally delaying wire transfer requests or has inadequate staffing and systems in place to deal with the volume of requests it receives.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

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 2021-08-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am XXXX XXXX the natural person At this time I am distressed, overwhelmed and my life has been very difficult that XXXX and Equifax are violating my rights as a consumer by reporting an inaccurate Bankruptcy on my consumer report. I disputed this over 1 year ago. They informed me it had been verified by the Bankruptcy Court and XXXX. I reached out to both the Bankruptcy Court and XXXX, both organizations informed me via mail that they did not and do not furnish any public records to any bureaus, for it's against the law to do so. 

I sent these documents to XXXX and Equifax they have refused to remove this inaccurate account on my consumer report. 

At this time, I feel I'm being taken advantage of as a consumer. 

FACT- According to 15 U.S. Code 1681b - Permissible purposes - I never gave XXXX nor Equifax permission to report anything on my consumer report. 

FACT - 15 U.S Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 

This is a violation of my right to privacy. I demand this be removed from my consumer report immediately.

Company response to consumer: Closed with explanation