vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was XXXX  and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was XXXX and XXXX and had my identity stolen on vacation in XXXX XXXX on XX/XX/XXXX. The criminals stole my XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and my ID. I was passed out believed they slipped something in my drink and woke up with everything gone. I have submitted a police report and found the criminals information online via XXXX. Overall i am having problems with wells fargo reimbursing all of my money back. They gave me back about XXXX of the XXXX that was stolen. I have two transactions with them on the same day of the incident saying one from my savings for {$1000.00} and another of {$2500.00} on my credit card. XXXX XXXX is saying that they were authorized from a secure device that I authorized and will not reimburse me for these transactions. I have been dealing with this since the incident. It is now XX/XX/2023 and i have been denied three times with this claim. I have provided a police report saying that the phone was stolen and it was still denied. I feel like they just keep running me around the block and its literally been over 100 days dealing with this. This is starting to affect my credit report now and I am exhausted dealing with this constantly on my days off and i work 50-60 a week. Can you please help me resolve this it has been going on to long.

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 2023-09-17 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX  Dept of Interior XXXX Inquiry Date : XXXX, 2023 XXXX Bank Delaware Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 2023

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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened my new Wells Fargo XXXX XXXX branded credit card on XX/XX/23 in response to an offer by Wells Fargo to provide XXXX XXXX XXXX rewards points after making net {$1000.00} in purchases within the first 90 days of being a new cardholder. I met this requirement on XX/XX/23 ; after making {$1000.00} in net purchases ( {$1100.00} - {$99.00} credits ). The terms state that Wells Fargo will provide the XXXX bonus points within 1-2 billing cycles after completion of this requirement. The second billing period elapsed on XX/XX/23. No XXXX bonus points were generated by Wells Fargo as stated in the terms of the offer. I contacted Wells Fargo for four hours on XX/XX/23 trying to resolve the noncompliance. Wells Fargo was very unprofessional each time and kept blaming XXXX XXXX for Wells Fargo 's noncompliant failure to perform and repeatedly transferred me automatically to XXXX XXXX without trying to resolve Wells Fargo 's negligent failure to perform. XXXX XXXX supervisors rightfully stated that Wells Fargo was the party responsible for providing the bonus points offered, and that Wells Fargo was the responsible party who had not sent the bonus points over to XXXX XXXX to be put into my reward account. After my seventh call on XX/XX/23 to Wells Fargo to try to resolve the issue, Wells Fargo very reluctantly agreed to " escalate '' the issue. A week later, the issue has still not been resolved, and the promised XXXX XXXXXXXX XXXX bonus rewards points have not been credited to my XXXX XXXX Rewards account.

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 2023-09-17 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: Block, Inc.
State: IL

Complaint narrative:
I provided service to a customer $ XXXX and the service was funded to me for the service through the Cash app in the amount of {$330.00} on XX/XX/2023. The customer then proceeded about XXXX weeks later to request a refund after services were rendered/delivered physically to her. Cash app withdrew the amount from my bank account ending in XXXX on the date of XX/XX/2023, in the amount of {$330.00} without any authorization or explanation for the dispute. I contacted Cash app the same day XX/XX/2023, and advised customer was given all of her services and showed copies of the receipt of delivery. They advised me to contact my bank for further assistance for they could not help me more at the time. I contacted my bank who advised Cashapp and or the customer is the responsible party and I needed to request the funds back from them as well seeing the transaction was done through a third-party institution. I have reached out time and time again with no response from the customer, or Cash app. I am requesting the funds be returned for the services that were provided and delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}

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 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch XXXX can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch XXXX is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch XXXX still refused to help me. This has been an awful experience. I need my money. I have many bills I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Business XXXX XXXX XXXX account mailed a check for {$5500.00} to U.S. Treasury. The check was deposited into a Bank of America account. 
I filled a claim with XXXX on XX/XX/2023, XXXX submitted claim for fund reimbursement. To date Bank of America has not responded to XXXX request of claim.I have sent 4 emails directly to Bank of America fraud claims with no response. 

The check for {$5500.00} was made out to US Treasury, The check was deposited into a Bank of America account, which is clearly not the US Treasury. It has been over 90 days now. XXXX claims that BOA is responsible for the funds. 

My claim number is 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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to update my phone number on my file and this system is not allowing me to update my phone number my phone number is XXXX it is no longer XXXX Please assist me in correcting this matter the problem is not so much getting the credit score as it is getting a fair credit score it took about four months to get the credit bureau to update my credit file properly when they updated my credit file they removed almost all of the negative reporting information on my file which now shows a lot of positive credit information where's I only have 4 negative reported items on my file I have about 9 positive items maybe even 11 positive items on my credit file but they are giving they have reduced my score instead of increased it so when I asked them why they reduced my credit score the only thing they could tell me is that they use a FICO 8 model to calculate my score when I said to them that this seems to be unfair that even though I have so much good credit history and activity why my score went down my score never went above XXXX even though from XXXX XXXX I paid all of my debt and I have been keeping my credit payment history in good standings with the only credit that I have two of the four credit report reports from two lenders are not quite accurate but they are actual reports on my file two are still in dispute which I am apparently going to have to take those companies to court nonetheless the credit score has only gone down from XXXX to XXXX after removing all of the negative stuff from my file and reporting it properly then instead of my score going up it remained low it only went up XXXX points whereas when they dropped it they dropped it as I said from XXXX XXXX to XXXX which is approximately XXXX points why it dropped so much but it only increased so little I am bothered with and it is costing me the ability to get credit from creditors When I asked to speak to the department that programs this FICO eight 's credit score model in order to find out why they have reduced my score so much and have increases so little all they kept telling me is that my score is calculated by the FICO 8 model which they still could not explain to me or would not explain to me what this FICO 8 model is I am very angry because I feel that this is discriminatory practice I know of people who I've spoken with one specifically came out of XXXX with a very negative credit report and within six months his credit score was increased and he was able to get a car loan and not to sound discriminatory but this person was a XXXX person a young XXXX guy that I know

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 2023-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
XXXX I got a debt collection letter in the mail from Transworld stating that I owe a company that I never down business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im requesting this removal utilizing 15 USC 1681e ( b ). Please assist me with removal of this item which is not verifiable through the bankruptcy court. Thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I had about {$280.00} in my TD Convenience Checking Account, which I had opened since XXXX. I have not used it since but kept the minimum to leave the account open and received monthly notifications of account statements. However, on XX/XX/XXXX, it looks like I have stopped receiving statements. I went to log into my account and saw that they had closed my account without notifying me nor getting in touch with me on how I can receive the money I still had in my account. 

I called Customer Support and they have been no help in providing me information. They just say that I'm not a customer there and are clueless on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I wanted to open up a navy federal account and it would not let me, ive been waiting for almost 2 months to get in touch with someone regarding my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}

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 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone was able to use my email and personal information to open a Wells Fargo Active Cash XXXX Card on XX/XX/2023 for {$14000.00}. This was not me, and when I tried contacting the bank about it they assured me they saw my info but no account was opened. Transferred me to multiple numbers and no one had any actual answers or resolutions. They also allowed a balance transfer in my name of XXXX. Ive never had a Wells Fargo account nor would I open one. Today I received a phone call that my account, that they assured me didnt exist, was no frozen for fraudulent activity.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I applied for a Small Business loan with Loanme for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXXXXXX of XXXXXXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently Loanme put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2023, I contacted XXXX XXXXXXXX XXXX in response to an alert I received on my laptop that my computer had been attacked by XXXX XXXX. When I called, the woman asked for remote access to my laptop and ran a software program that showed 25 hackers in my system. She asked me to check my financial accounts to see if any money had been removed and then called Citibank to inform them of the hackers. I then received a call from Citibank Fraud Protection and over the next several hours, they convinced me, along with the XXXXffice of the General Counsel of the Social Security Administration, that I needed to transfer {$44000.00} to a dummy account at XXXX XXXXXXXX XXXX a partner of Citibank, until the hackers were removed from my system and then the funds would be transferred back to my account at Citibank in 24 hours. When I became aware that this was a scam, I called Citibank that evening and was informed that the funds had already been transferred. She said she could not contact XXXX XXXX, made a report, and said I should call Citi Wires the next day. The next day I was informed that XXXX XXXX had been contacted and had not yet responded. I have not heard from Citiback since. I do not feel that Citibank or XXXX XXXX have acted with a sense of urgency, care or concern. I have been a client of Citibank for over 40 years and was planning to use those funds to assist with my cost of living as I am recently retired. A six-page report of the fraud is attached to this complaint.

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