vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-08 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX dollars from 2011, my son went to the XXXX and at that time we all changed to XXXX XXXX and told XXXX. XXXX states we never cancelled his phone. It was 12 years ago. Still trying to collect after all this time. I haven't used XXXX for 12 years. I have good credit but they are still trying to get me to pay a bill that was never due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
i purchased a XXXX  but did not get it i file a dispute twice and they was suppose to stop payment until it was resolved but continued payment, after i disputed twice there was no resolve and then they closed my case

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
I requested to make a payment of {$5700.00} from my XXXX XXXX  award on XX/XX/. This payment was accepted by the institution ( Edfinancial ) on XX/XX/XXXX  and it says the schedule date on XXXX was XX/XX/. It has been over two months and my balance still has not changed. I have reached out to ed financial multiple times and have never heard anything back. This is extremely stressful to me as I have almost {$6000.00} somewhere and no one seems to be able to confirm to me that it hasn't been lost or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Cash deposits are not recorded on time I recently made a cash deposit to cover an overdraft which Wells Fargo sent out an email that I had that so call extra day deposit which I did. What I thought was funny is when I made the cash deposit in the bank ATM, I did not get a text receipt. So, at XXXX I login to my account I was charged XXXX overdraft fees that I made a cash deposit for the night before at XXXX. I called the customer service and explained that I made a cash deposit into the bank ATM to cover the overdraft. I customer service rep tried to give me a hard time. And offered to refund me {$52.00}. I said No I did my part and made the deposit. So, the rep said we will refund the fees this XXXX time. This happened to me last month and I let it go. It's the time of the year for Wells Fargo to take money. Please keep your eye on them.

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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
XXXX years old had a bank account under fathers name ( south state bank ) we both was given access to account but was never told that by father was only told that by bank Ive not lived with my father for 2 months and had money that was on the account and I went into a branch for the statement and I did not spend the money that was being spent on my account because he have been spending my money on my account I had 2 overdraft fees that caused my account to be closed. What process would I have to do to get my money back the bank said they cant really do anything about it because we was both given access. Also have proof havent had my card or account log in info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AZ

Complaint narrative:
XXXX, Equifax XXXX XXXX has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: AZ

Complaint narrative:
XXXX, XXXX XXXX Experian has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX 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 2023-11-08 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: WA

Complaint narrative:
Contact CIA Employment Verification Office Need to verify someones employment at the CIA? The Employment Verification Office handles such requests by fax and by mail.

Ways to Verify a CIA Employees Employment Whether you are a mortgage company, creditor, or potential employer, you can submit your request by fax or by mail.

Please note CIA does not provide verbal responses or breakdown salaries such as overtime, bonuses, and awards. Also, CIA does not produce pay stubs with employer information attached. 

Request by Fax You can submit your request by fax at : ( XXXX ) XXXX ( XXXX ) XXXX Please allow three to five business days for the Office to process requests sent by fax. 

Request by Mail If faxing is not an option, you can send your request to the following address : Central Intelligence Agency Attn : Employment Verification XXXX, XXXX XXXX Please allow 10 business days for the Office to process requests sent by mail. Requests received after XXXX XXXX. will go into the queue for the next business day. 

What to Include in Your Request To better serve you, please be as detailed as possible. If applicable, include the following information on the cover sheet of your request : Scheduled closing date Whether you are requesting a re-verification If your policy as a lender requires multiple updates to your original verification request If you are requesting a re-verification, be sure to inform your client to expect additional inquiries from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: IL

Complaint narrative:
XX/XX/XXXX {$4800.00} was authorized and posted onto my checking account on XX/XX/XXXX ( an action not done my me ) XX/XX/XXXX a tele transfer of {$8000.00} was transferred my Savings account into my checking account ( an action to done by me ) XX/XX/XXXX a tele transfer of {$210.00} was transferred from my Saving account into my checking account ( an action not done by me ) XX/XX/XXXX a tele transfer {$30.00} was transferred from my second Saving account into my checking account. ( an action not done by me. ) XX/XX/XXXX a tele transfer of {$5000.00} transferred from my savings account is posted onto my checking account. 

XX/XX/XXXX a tele transfer of {$210.00} is transferred from savings account and posted onto my checking account. 

XX/XX/XXXX a cash advancement of {$5900.00} was authorized from my credit card ( an action not done by me ) On XX/XX/XXXX towards XXXX, I noticed these transactions and called Wells Fargo to issue a fraud claim and to close those accounts affected and create new ones. 

XX/XX/XXXX when the new checking account was created all the tele transfers that were made, were posted there. 

XX/XX/XXXX {$9800.00} was taken from my account ( an action not done by me ), I assume because it was such a huge transaction it needed a day to post to my account. 

a couple of days prior to all this happening I received a notification from XXXX stating I was part of a data leak. Both my credit card and debit card were on my XXXX connected to XXXX XXXX. Both my username and password saved onto my XXXX allowing access to my online banking. 

XX/XX/XXXX I called the credit card department to file a fraud claim, and they stated they'd notify me of the investigation status within 10 business days. I never received a phone call, so I called to realize they didn't properly filed the fraud claim, so it was never made. I went through the process again with them, and made sure the properly made the claim. I'm currently waiting the status. 

XX/XX/XXXX the claims department for Wells Fargo contacted me and notified me stating they found no fraudulent transactions.

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 2023-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I recently opened a HELOC with XXXX XXXX  XXXX. I had an outstanding personal loan ( XXXX XXXX XXXX XXXX ) that needed to be paid off as part of the HELOC loan process- HELOC has to be in the first spot for creditors if I go into default. XXXX  XXXX XXXX ( XXXX ) issued a check on XX/XX/XXXX in the amount of XXXX. It was shipped to the overnight delivery option. I have confirmed with XXXX that it was shipped to the correct address and confirmed with XXXX XXXX that this was the correct address the check should have gone to. 

XXXX XXXX states that once checks are received, that an email is sent with confirmation, usually within 7 business days. When we hit XX/XX/XXXX, i reached out and they said that sometimes processing can take up to 30 days. On XX/XX/XXXX I reached back out to XXXX XXXX and they still did not have the check. I reached out to XXXX on the same day and asked them to research to see if the check had been received and processed. They sent a copy of the image which I forwarded to XXXX XXXX. This is where the issues start. 

The check was cashed on XX/XX/XXXX but not by XXXX XXXX. The back of the check states it was processed by Citi Bank. I sent the check image and processing to XXXX XXXX. They state they have no record of the check. I reached back out to XXXX and they stated I had to work with XXXX XXXX because they had done everything they could do because they sent the check to the correct location and XXXX XXXX touched the check before Citi Bank processed it. XXXX XXXX again stated they did not have the check and suggested I call Citi Bank since they cashed it. Citi Bank will not talk to me because I do not have a Citi Bank account and they do not help people who are not their customers. They said they would cooperate with an Investigation from XXXX. XXXX will not do an investigation with Citi Bank because they made the check was made to XXXX XXXX and stated there is nothing more they could do on their end.

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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On the night of XXXX XXXX XXXX I attempted to open a brokerage account with Chase. The online process was halted stating I need a personal product to apply for a Chase brokerage account. At the moment, I only have a Chase business account. I applied for a Chase Personal Checking account with my credit reports frozen as usual. During the process it stated I need to unfreeze my reports. It stated I would need to provide my SSN for verification/identification. It stated that I would receive a SOFT pull on my credit report. Attached are XXXX screenshots showing this is as I stated. Instead, I received a hard inquiry to last XXXX years on my report. 

I called XXXX and they said " call Chase. '' I called the Chase number on the credit report, I was transferred to XXXX. 
The line was choppy so she gave me a direct number and I called again. 
Second agent ( lady ) asked how I obtained the direct number. She then transferred me to credit bureau rep.

The rep kept mentioning a credit card even though I said I don't have a Chase credit card and did not apply for one. He said, " Ok I'll transfer you to card services. '' I asked why when I don't have a card and he said, " That's where my system is telling me to transfer you. '' He transferred me to card services. Card services said they couldn't help because they only work with cards ( huge surprise ) so he transferred me to the credit bureau team again. By now I'm asking every rep who transfers to please make sure I'm going to the right place. 

Want to guess if I was in the right place? Well... I was then transferred to the regular Chase customer service by the credit bureau rep who promptly stated he couldn't help me. I explained the horror I've type thus far and like the XXXX previous reps he stated " no worries, I'll call a branch and speak to the manager directly to make sure you are in the right place and can be helped. I'll explain your situation then pass you off. 
He didn't. 

He blindly transferred me to the XXXX XXXX branch location where XXXX? was clueless as to why I was on the line. By then, I was as exhausted as you are reading this mess. 

XXXX said he would escalate ... maybe they'll get back in a few days, may next week, who knows. 

That leaves me here with the CFPB.I honestly feel like I missed another transfer. It was 30 plus minutes of torture.

Company response to consumer: Closed with explanation