vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I went to a chime ATM at a XXXX XXXX on the XXXX of XXXX and then my info got stolen the very next day. Chime even warned me and sent me a text message informing me that someone is trying to making a {$80.00} transaction at XXXX without my knowledge or permission. The person who easily stole my ATM info also took {$100.00} at the exact same time they tried to make a purchase. The successfully took {$100.00} put the ATM and now Chime is refusing to give me my money back. I then messaged chime back saying no thats not my transaction and even went through the process of receiving a new card but they still keep denying my dispute even with all the proof they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX : I made an order on XXXX for XXXX bundles of 30 inch kinky curly human hair costing XXXX XX/XX/XXXX : My order arrived, I went to use them then realized it was not of quality that I had in the past. To be specific : the hair kept tangling straight out of the package, and it wasn't true to the 30 inch length, it was well below 26 inches XX/XX/XXXX : I submitted a return request to XXXX and it was accepted. I was instructed to return to a XXXX XXXX XX/XX/XXXX : I dropped off my return to the XXXX XXXX, it was scanned and sent off. 
By XX/XX/XXXX : I checked my return center on XXXX and noticed that my refund was marked as received at the warehouse, but my refund was not initiated. 
XX/XX/XXXX : By this time I still hadnt received my refund and disputed the charge with my bank. 
XX/XX/XXXX : My bank issued a letter stating that XXXX already refunded my order, which is not true as there are only 3 transactions from XXXX under this transaction which are as follows : - 1 Transaction on XX/XX/XXXX : XXXX was deducted from my account for the order made - 1 Transaction on XX/XX/XXXX : XXXX was put back into my account as a temporary credit for my dispute - 1 Transaction on XX/XX/XXXX was deducted from my account as my dispute was denied. These transactions will be shown in the files uploaded. 

I have had many conversations with XXXX customer service about where my refund is, with it ending in the customer service representative disconnecting our chat and not solving my problem. 

Following this, I attempted to re-open my claim by submitting further evidence that my refund was sent to the warehouse, but not received. The evidence was submitted on XX/XX/XXXX. 

I have yet to receive a letter on the evidence I submitted, but XXXX is now stating that they did not receive my refund. 

To be concise, XXXX claimed : XX/XX/XXXX : XXXX claimed that I received my refund. My bank did not review XXXX claim as there are no transactions proving that I received my refund. 

As of today, XX/XX/XXXX : XXXX is claiming that they never received my package. They have went and changed my return claim after I showed my bank proof that I did not receive a refund. They falsified documents, stating that I never returned the package. 

XXXX are making false claims about the product I returned and is refusing my refund. My bank has been of no help, as with about 3 disputes I've filed, they have accepted the fraudulent evidence from companies and denying my rights to my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
MY AUTO LOAN WITH XXXX HAS BEEN PAID OFF FOR A COUPLE FO MONTHS NOW, AND TRANSUNION IS THE ONLY ONE THAT HAS NOT REFLECTED THAT ON MY CREDIT REPORT. I JUST WANT IT TO SHOW THAT IT WAS PAID OF, LIKE IT WAS.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I had my tax refund as well as my XXXX tax refund deposited to my Robinhood account. They refused her deposit and accepted mine, They then froze my account after they had my money. On XX/XX/XXXX they asked for a picture of myself, copy of drivers license and bank statements from the account that is attached. I submitted these documents and have proceeded to call them every day. Each time they tell me the same thing and will not allow me to talk to anyone who would have any information on the situation. They also each time ask me to submit the same forms even though they can confirm they already have them and then proceed to tell me they are sending them to there review team.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Hello sir I tried to open an account with XXXX XXXX I was the customer report of files was the reason behind being turn down Secondly I tried open credit with Apple credit card Same reason was issued for the turn down I can get the report information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: TN

Complaint narrative:
This is in regards to US BANK. My husband and I closed our account on XX/XX/XXXX. We closed the account because the local branch closed. The bank sent us a check dated XXXX XXXX for XXXX cents our remaining balance. I then received a check dated XX/XX/XXXX for {$16.00}. On XX/XX/XXXX we received an insufficient fund notification that said we owed them {$37.00} from a dispute I had settled last year around XXXX or XX/XX/XXXX. We then received a bank statement dated XX/XX/XXXX through XX/XX/XXXX stating that we are negative {$37.00}. Then we received a notice dated XX/XX/XXXX that they were wanting their XXXX and that they were charging us a {$30.00} account charge off processing fee, and that our account would close on XX/XX/XXXX, they also said in the letter that they would report us and would hurt us in getting further bank accounts, collection efforts would continue, and saying we would no longer have access to the account ( we haven't had access since XX/XX/XXXX the day we closed the account ). I have had more written correspondence from them since XX/XX/XXXX than we ever received in the 9 years we banked with them! I have talked to several people at US BANK, I have at least 3 recordings, one banker said we owe them nothing, others tell me different stories! Our problem is how do you close an account and then the bank reopen it? They have frankly made my husband and I sick! Any help would be greatly appreciated!

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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am disputing a debt that has already been paid in full with Wakefield and Associates. I sent a USPS-certified letter of debt validation and dispute with a court copy of the account paid in full. XXXX XXXX signed the delivery slip of my certified letter, showing delivery of my letter. Wakefield never contacted me, never sent any debt validation, and have started reporting negatively on my credit since XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other two bureaus have removed this account from my credit report. 

( See attachments ) XXXX XXXX XXXX XXXX is not compliant, and this account is also past the California 4 year statue of limitations, and they are inviolation of the Fair Credit Reporting Act. 

I want this account deleted immediately from my credit 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My chase checking account was closed today XX/XX/XXXXwithout any reason or explanation all my funds where there is almost the end on the month and i have no way to access the money to play for any of mi bill including housing, XXXX XXXX XXXX XXXX im Far away from home with no money at all for food or anything, I called and the says they couldnt say why that i will receive a letter with the explanation and a check will be mailed 7 to 14 days. all i have in that account is a direct deposit from my company is my only bank and i only used it to play my bills.i received the email today and i called them 1 hr later the same day i have no idea what inusual activity they are talking about all i have a a direct deposit and wouldn't even tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Indigo I signed up for the protection plan when I was working when I was out of work, for months unable to make the payments I called them because I had the protection plan and it was not honored.they explained the protection plan was covered for the XXXX 30 days when I was working so they did not cover it for me being out of work. I closed the account because I didn't like the way the company operated so I closed the account when they did not honor the protection plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have provided this information multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to Wells Fargo to deposit a check in my checking account for over {$240000.00}. The manager Had to make a call to verify The funds were there. They told me {$400.00} of the funds are available today and the other {$240.00}, XXXX plus dollars will be available on saturday, XX/XX/XXXX or the next day. My printed receipt from Wells Fargo States the exact same but the funds will be available the next day, XX/XX/XXXX. I noticed online that the funds are still not available and I called the customer service rep and spoke with the supervisor. The supervisor now changes the story and tells me that {$5000.00} will be available and then the remaining balance of {$240000.00} won't be available until XX/XX/XXXX. Meanwhile my printed deposit says the funds will be available saturday, XX/XX/XXXX. We needed to move the funds Else To earn interest And now Wells Fargo Is delaying this for themselves to earn the interest. Meanwhile, we have certain obligations with the funds and now we're held back because they lied to me at the branch and also the printed receipt shows when the funds would be available. I want to pursue and go after Wells Fargo for doing this to us.

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 2024-02-24 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: TX

Complaint narrative:
On XXXX XX/XX/2024 Office of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX  so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX XXXX with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit 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: WV

Complaint narrative:
I have a disputed charge for {$140.00} from XXXX for a purchase that I never received. I tried disputing it with XXXX first but after I waited the XXXX weeks and saw no refund, I contacted Synchrony ( PayPal Credit ) to dispute the charge. They collected dates and all the information I had. They then denied my claim twice. I've been using PayPal Credit for years and I've never not paid for a legitimate purchase. My credit score is almost in the XXXX so I don't want it ruined over this, but I will not pay for something I never received.

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 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with them. They did not provide me with the original contract, bearing my signature as requested. 

The other XXXX bureaus have removed this account from my credit report. 

This account is also past the California 4 year statue of limitation. 

I want this account deleted immediately from my credit 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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I bought a Peloton bike ( Loan ID : XXXX ) through Affirm on XX/XX/XXXX, for 39 monthly payments of {$41.00} at 0 % APR, I did not need to borrow the money and only did so because of Affirm 's advertising as being consumer friendly and easy to work with and for 0 % APR I figured why not. This was a terrible, terrible mistake. I made all payments on time and set up auto-pay in my account. However, due to XXXX {$41.00} payment failing twice ( out of XXXX total ) due to a technical issue on their side ( details to follow ), they decided to report to both XXXX and XXXX a year later that I am of terrible credit, and had my credit score dropped by 100-150 points. I am trying to purchase a home and am currently unable to get a mortgage due to a SINGLE {$41.00} PAYMENT that Affirm claims was paid late but is solely their fault and their customer service still has refused to correct the issue. PLEASE FIX YOUR MISTAKE AND LET ME PURCHASE A HOME, THIS IS PREDATORY AND IMMORAL. Factual background : I signed up and connected a XXXX  XXXX XXXX direct debit checking account which at all times had thousands or tens of thousands of dollars in it. I received an email notification on XX/XX/XXXX that a payment had failed in BofA despite all previous payments going through normally. Not understanding what had happened ( as all prev payments had gone through and the account had plenty of money ), I attempted to call Affirm customer service several times and their IVR menu always dropped the call. It was in fact impossible to reach a human representative to assist me with the issue. Their email sent came from a no-reply @ and did not receive any issues and did not help me, leaving me stranded. On XX/XX/XXXX I manually figured out how to log in and clear the balance and received confirmation I had paid. Despite no one at Affirm ever calling me back or them ever answering the phone, they never collected the {$41.00} for 45 days from my account. The payment was made and my credit is ruined. PLEASE HELP CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting these XXXX addresses. It was a rented aircraft hangar where I kept my airplane. They removed XXXX of the XXXX, but continue to report these XXXX. 


XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want them to remove these 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have request document from these company over and over and nothing never provided at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have request document from these company over and over and nothing never provided at all

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have request document from these company over and over and nothing never provided at all

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation