vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Attempted to remove self as authorized user, denied. Even as POA. They lost proof of POA and require 15+ days to approve the new one and account is currently locked preventing use for my grandmother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo admitted to wrong doung by sending me {$200.00} check. I dispute this amount as I had to pay an attorney {$1500.00}, moving expenses and distress having to abandon my home. I feel I am entitled to more. Please see my number of complaints trying to resolve with your organization. Wells Fargo had deceptive and illegal business practices. I called them upon receipt of {$200.00} and they assured to camm me back in 72 hours and they never did. Is been over 5 days.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently I opened an account in Citibank, using their website. Everything was good, they sent me a Debit Card and I was managing my account without any problem. 

Last Friday I received a paycheck from my Employer ( XXXX XXXX ) and I decided to deposit it into my new account ( Citibank Account ). 

Yesterday ( XX/XX/2023 ) I called to the bank because my access to my account wasn't working and they told me to call a fraud phone number. 

I've called today and they said that my account was closed due to a potential fraud transaction ( referring to this check mentioned above ). I asked for my funds and they said that after the account is completely closed ( 30 to 60 days ) they will send me a check with the funds. 

At the end I won't receive my funds in at least 70 days. This is part of my salary and the bank is taking it illegally. I need help to resolve this issue. 

Thank you so much

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 2023-12-19 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:
I am writing to file a formal complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding an account that was opened fraudulently in my name, which I believe to be a serious error and a case of identity theft. This unauthorized account has had significant negative impacts on my financial situation, including being denied housing, leading to financial hardship and homelessness. EXPERIAN Account Details for Reference : Account Number : XXXX Company : XXXX XXXX XXXX 
Incident Description : I recently discovered an account listed on my credit report under the name of XXXX XXXX that I never authorized or opened. I have no knowledge of this account, and I firmly believe that my personal information has been used without my consent. The presence of this unauthorized account has severely affected my credit score, resulting in the denial of a housing application, which has directly contributed to my current state of financial hardship and homelessness. 
Actions Taken : I have already contacted XXXX XXXX to dispute this account but have not received a satisfactory response or resolution. 
I have also filed a report with [ local law enforcement or appropriate agency ] regarding this suspected 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 non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX balance of {$1800.00} XXXX  XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balancXXXX XXXX {$4700.00} XXXX XXXX balance of {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have XXXX Credit Card and it is a XXXX XXXX XXXX with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX This needs to stop, I have never seen this dirty mess before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX balance of {$1800.00} XXXX  XXXX balance of {$3600.00} XXXX XXXX XXXX balance of {$11000.00} XXXX balance of {$4700.00} XXXX XXXX XXXX XXXX {$0.00} All of the above should have been removed from my reports the same time the derogatory information was removed XX/XX/XXXX I only have XXXX Credit Card and it is a XXXX XXXX XXXX  with a {$300.00} limit. I don't use credit. 

The Hard Inquires need to be removed I have not applied for any credit aside from my car and house and those I will not list for removal. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This needs to stop, I have never seen this dirty mess before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was informed by XXXX XXXX of amTD Bank credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with TD Bank. I reported the matter to TD Bank. I received a TD Bank letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the TD Bank balance continues to appear on two of three bureau reports. 
TD Bank will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to TD Bank. On one call, made more than 10 business days ago, I was told I would receive a letter from TD Bank. I received no letter. I can not find from TD Bank what the letter is supposed to say, or how to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I purchased architectural plans through XXXX., using my XXXX and Chase Visa cards. The owner of the site, XXXX XXXX, wrote in an email that the plans for the home would be complete and would provide me with everything necessary to build my home. 

The first problem is that we purchased what we believed were " architectural plans '', given this website said that they had home plans provided by several " architects ''. When the plans arrived, it showed the name " XXXX XXXX '' on them. We therefore assumed that our plans were what we paid for, which is plans provided by an actual architect, which is someone that is required to be licensed in the field of architectural services. But the owner of the company, XXXX XXXX, turned out to not be licensed at all. XXXX XXXX therefore committed a crime by portraying himself as an XXXX, and his company as an XXXX XXXX, while neither are licensed in the field of architecture. The owner of the website, XXXX XXXX, thereby facilitated that act of a crime by allowing XXXX XXXX to defraud the me by allowing those plans to be sold under the guise of " XXXX '', while XXXX XXXX was not licensed as an XXXX. 

Additionally, the plans I received which were not provided by a licensed XXXX, also did not provide me with most of what is required to build a house, such as foundation details, footer details, cross sections of the walls, XXXX XXXX ( materials to be used, like XXXX or XXXX 's ), insulation details, and MANY other required details. Basically, what I got from XXXX was nothing more than a XXXX and XXXX floor, floorplan. This is FAR from being detailed enough to build an entire house. I was told by XXXX XXXX I would receive " complete plans with everything necessary to build a house. ". Well, based on talking with my builder, our building supply companies, XXXX XXXX I need our building permit approved by, and other engineers and architects... the plans I got are missing " MOST OF WHAT YOU NEED TO BUILD '' our house! Therefore, not only was I defrauded and had a crime committed against me, I was also lied to and did NOT receive the service I paid for. 

Lastly, 2 weeks ago a manager from Chase, on a recorded call, told me that they denied my dispute because XXXX weighed in and denied it. I spoke with XXXX on the phone today and they said they never determine dispute outcomes, that it is up to the back ( Chase ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, 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 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I opened my account with Wise so I can start transferring money from my XXXX XXXX to XXXX XXXX account for school. On XX/XX/2023 I sent a transfer from my XXXX XXXX to Wise ( to add to my Wise balance ). The amount was for XXXX . It was successfully received minutes later. I then went on to send another transfer of XXXX $ XXXX to Wise ( to be added to my Wise account balance ). They promise that transfers take seconds or up to 1-2 working days. Its XX/XX/XXXX and no update from Wise. I reached out to my bank and everything is fine on my end- they told me that the funds are blocked from the financial institutions that Wise uses. I called Wise multiple time and even escalated to supervisor who never called me back- they say they are awaiting and can not see anything on their end. Im getting the run around and I know wise has my money, they dont want to give it or add it. I call one last time and the agent XXXX mentioned I need to wait 4 working days for it to be added to my balance! 
I need the money added to my balance ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX I was notified by email that my Chase checking account had a XXXX XXXX account linked to my debit card. I dont use XXXX XXXX so I immediately contacted Chase and reported the fraudulent activity. Chase immediately issued a new debit card and started a claim for the charges that were not authorized which totaled approximately {$750.00}. Before I received the physical replacement card, more fraudulent charges were made against my account totaling another approximately {$1500.00}. Chase was notified again of charges and they started more claims. On approximately XX/XX/XXXX, I tried using my new debit card and it was denied. I visited a local branch where we found out that Chase had closed my account with no notice. As of the date of the closure I had over {$26000.00} in the bank account. I asked Chase to keep {$2500.00} in the account and release the remaining funds which are rightfully mine until the claims could be settled. It is now over XXXX weeks later and they have not settled or released any funds to me. A bank should not be allowed to hold funds that are legally and rightfully mine. This is theft by keeping it from me. I need to know next steps to take action against Chase for stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
About XXXX days ago, I tried to access my account and found it locked. I called and was told that they were closing the account, no explanations given. At the time I had {$100.00} on deposit and they have not yet returned it to me. The balance has not changed since they closed it. 
A second issue is prior to closing account I had submitted a wire transfer from my account in the amount of {$1900.00}. The next day I called to cancel it and they said they had to do an investigation and it would take 180 days to resolve. It was going to someone in England. I think that is too long, I cant afford to be without my money and when I call for status I get vague answers and different every time. I dont understand why they are treating me this way I have attached a copy of the only thing Ive received from them dated XX/XX/2023 regarding the 1st issue. I have never received any correspondence regarding the wire transfer and no longer have access online to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC continues to call me. I told them not to call and they simply call again with a different phone number. They make multiple excuses for their inability to stop calling me despite my repeated requests for them to stop calling me. Today when I asked them to stop calling me the woman speaking told me ahe " does not know what button to press to stop the calls so she will simply put me on the wrong number list. '' I used to have another phone number and they would call me at that phone number too even though I would tell them to stop. I have diagnosed post traumatic stress disorder and receiving constant unrelenting harassing calls from Portfolio Recovery Associates is causing harm to my mental health. I am also a military veteran facing chronic homelessness and unemployment and receiving these calls from Portfolio Recovery Associates while I am in the middle of a full-blown XXXX XXXX XXXX XXXX only makes things worse. Portfolio recovery will call me when I am unemployed and in an active XXXX state and they will argue with me and refuse to hang up the phone and make demands of me and threaten me until I reach the point that I feel XXXX XXXX. I have discussed this with my XXXX and he advised me to make a formal complaint and block their calls but they keep calling back with different numbers and even when I change my phone number they find it and call me anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have tried multiple times to get experian to remove the names on my report other than one. I have sent id as they have requested and still haven't removed the other names .I spoke to a customer service representative today and he informed me that I must provide my ssn I asked if they had authentication from the social security administration ( SSA ) to release my social security number form SSA-89 . I was told they didn't want to hear about any forms my rights, or laws being Violated. I have also disputed to have charge off, closed accounts, and any collection removed from my report and and late payments they refuse. I sent them a letter XX/XX/XXXX I will attach and have stated multiple times they do not have written or any other type of consent Giving authority for myself the consumer according to 15 USC 1681C - 2 ( A ) HJR192 PRIVACY ACT OF 1974. Certification of indebtedness. I would like these issues resolved 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 explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: OK

Complaint narrative:
I am providing a summary of events here : - In XXXX of 2023, I contacted XXXX and set up an online account when I changed my apartment in DC. I ended up getting service through XXXX and called XXXX to confirm that I would not have XXXX service installed at my apartment. 
- XXXX removed my online account but I continued to receive erroneous bills every month. And every month I would call XXXX to sort this out. They would verbally confirm that there was no balance and that my location never had service under me but were unable do anything more than tell me this over the phone. 
- On XX/XX/2023 a debt Collection Firm named XXXX, XXXX XXXX XXXX ( hereafter referred to as the " Collection agency '' ) wrote to me to inform that an account under my name was being sent to collections. 
- I requested validation of proof of debt ownership ( which wouldn't exist as I've never had XXXX service ) but they merely sent back a copy of the info on the letter which included incorrect contact information and a copy of the incorrect bills from XXXX today, XX/XX/2023. 
- I called XXXX again on XX/XX/2023 after receiving the collections letter who verbally confirmed I have no account, the account number the collections agency references is not tied to me, and that I have no outstanding debt. When I asked them to provide this in written proof, they refused claiming they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: CITIBANK, N.A.
State: ME

Complaint narrative:
Sent complaint to XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. { XXXX } XXXX notified me of a late credit card payment in the amount of {$230.00} from Citi Bank Credit card # XXXX closed that account last month, { XXXX 2023 } Citi card did not honor a 15USC 1666i that I invoked on XXXX. I am in compliance with all of 15USC1666i 's conditions to make Citi Bank pay this charge of the products including the interest amount. The total is {$230.00} as of today. Citi bank has never acknowledged this fact even after many letters sent certified mail that they received my letters, and they are responsible for the amounts in question. I do not owe Citi this money now. XXXX never verified this late payment information before posting this big untruth. All the credit card reporting agencies have lowered my credit reporting number by XXXX points. This will be hurting my future, financially damaging it. { wife XXXX XXXX also. }. Please enforce Federal law as to protect my families ' Federal rights. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maine 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