vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I requested a balance transfer of {$12000.00} with my credit card company Barclays Bank and it was approved and deposited to my bank account with XXXX XXXX  on XX/XX/2021 in the amount of {$12000.00}. My account with Barclays reflects that they have made two duplicate deposits for {$12000.00} each totaling {$24000.00} with two duplicate balance transfer fees of {$360.00} each totaling {$730.00}. They have made only one deposit to my bank account with XXXX XXXX for {$12000.00}. I have credit line of {$17000.00} and they are reporting to the credit bureaus negatively, and it has impacted my credit score and credit report negatively. I have not been able to apply for any credit during this time as it affects the interest rate. I have made numerous attempts to resolve the issue. First phone call attempt was made on XX/XX/2021 at XXXX XXXX. and I spoke with XXXX advising of the issue and was reassured it would be addressed. XX/XX/2021 I spoke with XXXX at XXXXXXXX XXXX. and was reassured it would be addressed, with no record of my phone call from the day before. XX/XX/2021 I requested to speak with a manager due to being told no record of the phone call and spoke with XXXX in the Customer Care Department and was reassured it would be addressed and was provided with case number # XXXX. I was advised the issue would be addressed and that they would update my account and report the correct information to the credit bureaus removing the duplicate balance transfer of {$12000.00} and duplicate transfer fee of {$360.00}. I requested XXXX to follow up and update me on this matter and she agreed. Today is XX/XX/2021 and the issue still has not been resolved and I have not received a call back as promised by XXXX. I have a payment that is due XX/XX/2021 for the incorrect amount and I am very frustrated that XXXX has not addressed the issue with my account and updated the bureaus correctly. This issue has dropped my credit score from XXXX to XXXX. I have the credit card account for an emergency and now can not use my credit line to bury my father that just passed away due to XXXX. His cremains sit at the funeral home while the bank does nothing to fix this issue. I take good care of my credit by paying my bills on time and should not be impacted like this. I've explained the urgency to XXXX as I'm working through this difficult time. Please escalate this issue so my family and I can bury my father. Thank you.

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 2021-12-16 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: NY

Complaint narrative:
I have written to Experian to bring to their attention numerous inaccuracies in my consumer report and file that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
According to the FDCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ) I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer I am excercising my right to dispute this incorrect information.

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 2021-12-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened two 18-month CDs and two 12-month CDs at American Express National Bank XXXX When the CDs respectively matured, I asked the bank to transfer the full balance to my savings account. I realized that the way they calculated the interest means that they owed me one day of interest. 

I contacted them repeatedly via phone in the subsequent weeks but they did not resolve this issue. They sent me a letter via mail in XX/XX/XXXX that indicated the daily interest calculations for my CDs. In this record, it clearly shows that the bank did NOT pay me interest on the last day of my CD. After seeing this letter, I called them again and they still refused to rectify this. 

I am so disappointed in this bank that I transferred all of my accounts away from American Express National Bank. Given this, the customer service representatives were even more unresponsive to my requests to correct this interest miscalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
Transunion should be investigated pertaining to their handling if my credit report. Despite paying down debt, increasing available credit Transunion engages in practices that keep my credit score poor. They lower my score once notice of a debt is paid then shortly after increase it to were it was. Never really increasing to reflect the responsible actions in my part. In over 1 year of paying my debts I am still at the same score with Transunion versus XXXX. 

After increasing my available credit and paying on time XXXX brought my score up on excess of XXXX points, Transunion an increase of 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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been going back and forth with XXXX XXXX representing Portfolio Recovery regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX the XXXX and XXXX the XXXX XXXX made numerous changes to my American Express bluebird card for a total of {$600.00}. I never order or received any products from XXXX. I have been unable to get a refund from XXXX or American Express. Please help me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 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: CA

Complaint narrative:
Incorrect information is linked to my social security number as a result of someone fraudulently opening accounts and credit lines with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect information is linked to my social security number as a result of someone fraudulently opening accounts and credit lines with my personal information.

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 2021-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I have tried to dispute this debt multiple times beacuse it has been reported poorly and is affecting my credit score. First of all none of the dates match up at all and the amount is wrong not to mention the address they have on file is in Florida and I have never lived or even been to Florida I have the right in the FCRA to have my credit report 100 % accurate and clearly this is not so I would like for this to be removed from my credit report or I will be seeking litigation to sue for defomation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I made 3 purchases using my debit card of Bank of the west on XX/XX/XXXX, {$68000.00}, {$47000.00} and {$75000.00}. The merchant never sent the items so I opened a chargeback request with my bank, they never sent me a letter or claim number for those transactions. I requested information many times trought online banking and the answer always was " I will get an answer in 10 days '' something that never happened. I tried to contact the person in charge of my claim and never is available to take the call.

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 2021-12-16 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: VA

Complaint narrative:
Within the last five months I been sending letter to TransUnion about removal of a bankruptcy that is not verified. The company they used XXXX sent me a letter that they removed the bankruptcy because they couldnt verified so I sent transUnion the letter from XXXX and they refused to remove the bankruptcy and numerous of phone calls with no 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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX Citibank charged my account a $ 12 monthly maintenance fee plus an additional {$34.00} for not having funds to cover their {$12.00} fee. I asked them to stop doing they continue to charge excessive and unwarranted fees. in addition to these fees they also rejected a debit card transaction on the XXXX from XXXX in the amount of {$170.00}.. I then used my bank account and routing number. They bounced the check even after I deposited the funds to cover the check. It appears this bank is taking advantage of persons with low balances. The total amount debited from from my acoount in the last 30 days is {$68.00}. I want my money refunded.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was not informed at any time my debit card would be closing. They reported they sent a letter and an email. I dont believe I received either of those.

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 2021-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Hello, My information has been stolen from me ( I'm talking debit card, personal info, passwords, my whole life has been hacked ). I saw a fraudulent charge for {$500.00} on XX/XX/21 to my personal XXXX account. When I logged into XXXX, the {$500.00} was then converted into BitCoin but it's not there in the account. I didn't authorize this. I know absolutely nothing about Crypto. The same day, {$1500.00} was moved from my savings account in online banking to my checking account then used to some app called Ramp regarding crypto. I did not authorize this! Again, I don't know anything about trading or investing or anything like that. I have personal financial advisors who do that for me. Then, because XXXX is based in XXXX, I have a {$45.00} dollar international fee that shouldn't be on my checking account either. 
I reached out to my bank ( Bank of America ) to file a claim on the charges. They said they denied my claim because I authorized it and my signature is somewhere on it. I didn't sign anything. They haven't provided me with any documentation that made them reach that conclusion. 
I have also reached out to XXXX and XXXX to file fraudulent claims as well and have heard nothing, Please help me! I have attached my bank statement with the aforementioned fraud charges highlighted. As you can see based on the rest of my bank statement, I do not make those types of charges!

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 2021-12-16 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I received an email from PayPal confirming the purchase of XXXX XXXX XXXX for {$180.00}. I did not make the transaction. It is fraudulent. I immediately went to my PayPal account online, but the system told me I could not report fraud on that type of transaction. So, I telephoned PayPal customer service and the told me they will open a " case. '' I asked to close my PayPal account. They refused, saying it was not possible until the case was resolved. They said I must WAIT 30 DAYS TO CLOSE MY ACCOUNT! They refuse to delink my credit card and email address. So I remain vulnerable to fraud. I called the credit card company and asked them to block the transaction which they did immediately. I telephoned XXXX and they said they could not help me. PayPal said they can only cancel the fraudulent transaction if XXXX agrees and in the meantime I must keep my account open. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been going back and forth with XXXX XXXX representing XXXX XXXX regarding an unverified account. She has refused to accept my FTC Report and has refused to provide validating information for me to further research the matter. 

She continues to intimidate me and threatened me with lawsuit. 

I want this matter resolved

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 2021-12-16 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: PA

Complaint narrative:
Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to XXXX, XXXX, and Transunion so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile 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 2021-12-16 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: PA

Complaint narrative:
Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to Equifax, XXXX, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MD

Complaint narrative:
AFNI , Inc. submitted a collection to all the credit reporting agencies for a debt that I did not owe on behalf of XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they confirmed that there is no record of my ever having an account with them. I then called AFNI , Inc. and was told that there was an account. I told them what XXXX XXXX XXXX XXXX told me. AFNI , Inc. said that they could only go by what XXXX XXXX XXXX provided. In the meantime, I have an erroneous report on my credit record. I also filed a complaint with XXXX. I believe my information was obtained during the XXXX breech. Also, there has been a lock placed on my credit record for the last five years and there was never any inquiries from XXXX XXXX XXXX XXXX. Therefore it can be said that the information sent by AFNI , Inc. to the credit bureaus was deliberate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Experian Information Solutions Inc. is liable for damages due to non-compliance and shall compensate me for {$1000.00} per 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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information is linked to my social security number as a result of someone fraudulently opening accounts and credit lines with my personal information.

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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
This company Hauge association Inc. is saying I owe a debt of {$1600.00} that is not mine I have never been notified by mail with the proof this Is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: WA

Complaint narrative:
To Whom It May Concern : Equifax is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX XXXX  # XXXX Equifax has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2021, I received an email from Wells Fargo that an account was created under my name and a debit card was being mailed to my address. 
On XX/XX/2021, I contacted Wells Fargo customer service. I told the agent that an account was created under my name and that Wells Fargo had been retaining my personal information in their database even after requesting to have it removed, including my name, address, DOB, SSN and Driver 's License number. I was told that it will be taken care of ASAP On XX/XX/2021, I received an email that my account will be closed on or before XX/XX/2021 2021

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