vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/2021 XXXX ( XXXX ) - ( XXXX ) XX/XX/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 non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account with JP Morgan Chase is XXXX. 
I have wrote more than twice to the customer service but they did not answer my question directly and so I am seeking your help. 
I withdraw from an ATM in XXXX for XXXX peso from my XXXX XXXX account ( it come with no ATM fee worldwide ). My account indicated about {$330.00} ( {$330.00} subtract {$4.00} fee rebate ) for that withdrawal. 
This translates into XXXX exchange rate which is ridiculous as JP Morgan is converting this at competitive market rate. All the money exchange booths around the ATM area show at least around XXXX. 
I check with JPMorgan what rates they gave me, and whether there is other fee that they did not reimburse me. They never answer directly to these two simple questions after at least two emails enquiry. It is either they XXXX  me over the exchange rate or they did not reimburse me all the fee involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I need to request a new debit card, must be sent to my mailing address which is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, California XXXX I called customer service to request this but they are unable to send me a passcode, even I added my phone from XXXX under my name. 
All the situation with wells fargo has been horrible and difficult, I posted 3 claims due the online banking issue, now I can access from the computer, but from the app is having the same problem. 
Now I need the debit card, the original never arrived

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE : Capitalone bank N.A. case no. # XXXX This is to inform you that Capitalone bank has removed the double charge by XXXX on my credit card. Thanks to CFPB. However, they still have not credited my account over {$800.00} that I have already made on the account balance of {$1600.00} to pay down the debt. I contacted Capital one bank and they said my $ XXXX payments will be credited to my account when the case is closed. Unfortunately however, Capital one bank have sent me a wrong billing statement due XX/XX/22 based on {$1600.00} instead of about $ XXXX balance that I am actually owing. ( statements enclosed ). 
I am appealing to CFPB to mandate capital one bank to credit my account the monies I have already paid on my credit card & stop charging me high interest rate based on wrong account balance. 
I am thanking CFPB in advance for assistance in resolving this very important matter. 

Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hey my name is XXXX XXXX and Im here to file a dispute against my credit because I was frauded and then had no access to my account or could get a new credit because of that I tried to get help they told me I had to pay when I told dem it was fraud could u just help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX been trying to ger this corrected since XXXX of this XXXX and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only XXXX who hasnt im filing a consumer report again i included it and list of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX all these are fraud and should be treated as such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit score and complete credit history was deleted overnight. All of my active accounts have been deleted. I summited a complaint through experian and received an email saying that ... Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased None of these 4 reasons are true to my case. There is no reason my fico score should have been erased. 

Also experian refuses to correct my birthday even after I sent them a photocopy of my driver 's license and social security card. My correct year of birth is XXXX and not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX all these are fraud and should be treated as such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX all these are fraud and should be treated as such

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
At XXXX on XX/XX/22 I received an email from Bank of America stating that an Online Application is in Progress. I received multiple more emails from the Bank of America stating, Your application was approved, Welcome to Online and Mobile Banking, We're confirming your contact information has been changed, etc. 

I called Bank of America fraud support when they opened at XXXX on XX/XX/22 and they confirmed an account had been opened under my name from someone at an address in XXXX XXXX XXXX NJ XXXX They stated a checking account was opened as well as a debit card, but nothing was charged to the account yet. They reported the debit card was canceled and they closed the new checking account. They instructed me to contact the credit bureau to report that my identity and social security had been stolen/compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: DE

Complaint narrative:
This is not a refusal to pay an alleged debt! AMERICAN COLLECTIONS XXXX claims that I am obligated to pay them an alleged debt associated with account # : XXXX. AMERICAN COLLECTIONS XXXX shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If AMERICAN COLLECTIONS XXXX can not provide the original instrument or proof that it still exists, then AMERICAN COLLECTIONS XXXX shall send me an original statement affirming that AMERICAN COLLECTIONS XXXX did not sell the original instrument because if AMERICAN COLLECTIONS XXXX didn't sell the original signed instrument of indebtedness ; then AMERICAN COLLECTIONS XXXX should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when AMERICAN COLLECTIONS XXXX produces the original instrument or proof that it has not been sold, which proves that I am obligated to AMERICAN COLLECTIONS XXXX. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX XXXX XXXX, and AMERICAN COLLECTIONS XXXX that shows I agreed to do business with AMERICAN COLLECTIONS XXXX along with XXXX XXXX XXXX XXXX or on behalf of XXXX XXXX XXXX XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, 2022 there was a charge for {$2100.00} on my debit card which I did not authorize. I was on vacation in XXXX during this time. ( Cant be in two places at once ) I advised Citibank of the problem, filed a dispute, which they denied. On XXXX, 2022, on advisement from Citibank XXXX I faxed all supporting documents. I did so on three occasions. Citibank claims they have not received any documentation and refuse to cooperate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I received an invoice from XXXX XXXX with email XXXX, invoice is for payment on the goods I already received, so I paid {$950.00} each for XXXX items, using my card ending in XXXX only for XXXX XXXX to reach out to me, that the transaction was on hold, I reached out to my bank and they confirmed the money successfully posted, tried reaching out to square but it has proved abortive money should be released to XXXX XXXX as theres no charge back or dispute I have successfully picked up my item before making payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX or on behalf of XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX IN CO, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX XXXX IN CO or on behalf of XXXX XXXX XXXX CO. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing all inaccuracies on my credit report with transunion.

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