vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On closed accounts, this is the problem I'm having with Wells Fargo as a credit card company there trying to shut down the means of complaining after I shut down the credit card. I believe this techniques is being passed on to other banks, the problem with this is they can send the derogatory information instantly to my credit report and to me personally through the mail an email. And then they will accuse me of not caring about, and being slothful towards account. I've been using email to respond to them immediately when they do something wrong. I believe that is illegal I need answers to this this question if I need to go legal route I will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My bank account was closed on XX/XX/2021 by the bank. They reported it to ChexSystems that there is an outstanding balance of {$440.00}. And reported it as Account Abuse THIS IS INCORRECT!! 
<< My last 2 bank statements at time of closure indicate no balance. 
( {$0.00} balance owed ) >> There has been no documentation that has been presented that shows a balance of - {$440.00}. 

** I DEMAND UNDER FEDERAL LAW THAT CHEXSYSTEMS PROVIDE ME DOCUMENTATION FROM XX/XX/ 2021 -XXXX 2021 ( SAME MONTH OF ACCOUNT CLOSURE ) THAT VERIFIES A BALANCE OF - {$440.00} IS OWED ( THE REPORTED CLAIM TO CHEXSYSTEMS XXXX PLEASE PROVIDE THE FOLLOWING : 1 ). My Bank Account Statement from XXXX 2021 to XX/XX/XXXX  2021 that shows and confirms the balance - {$440.00} that was reported to chexSystem. 

WITHOUT THIS BANK ACCOUNT STATEMENT FROM XXXX 2021- XX/XX/2021 SHOWING THE BALANCE OF - {$440.00} THE AMOUNT THAT WAS REPORTED TO CHEXSYSTEMS THEN THIS CLAIM OF - {$440.00} CAN NOT BE VERIFIED AND NEEDS TO BE REMOVED FROM CHEXSYSTEMS XXXX 

FEDERAL LAW INDICATES THAT THE INFORMATION THAT HAS BEEN REPORTED TO CHEXSYSTEMS MUST BE VERIFIED. 
ALL TRANSACTIONS AND BALANCES ARE DOCUMENTED ON THE CUSTOMERS BANK ACCOUNT STATEMENT THEY RECEIVE EVERY MONTH. 
THE ACCOUNT WAS CLOSED XX/XX/2021 SO TO VERIFY ANY BALANCE OWED WE NEED TO VERIFY THE BANK STATEMENT FOR THIS MONTH. IF CHEXSYSTEMS CAN NOT VERIFY THIS BY BANK STATEMENT FOR THIS MONTH ( XXXX 2021 - XXXX 2021 ) THEN THIS CLAIM IS UNVERIFIED AND NEEDS TO BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX  a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: MN

Complaint narrative:
The information from Accurate Backgrounds is incorrect. I have never lived in XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
I made a complaint to my credit card company back in XXXX of XXXX for the amount of {$2900.00} from a company called ( XXXX XXXX ) which I do not recognize or authorized. My credit card company ( Discover Card ) put the credit back on my account till they investigate the problem. They sent me a letter stating that based on the information they received from the merchant that I was held responsible for the charge. I reopened the case again to reinvestigate this matter, and for the merchant to give them physical evidence that shows it was me who charged this transaction ; such a drivers license or social security card or something that belongs to me to show it was me. They said the only thing the merchant was able to submit to my credit card company was signatures which made my credit card charge me for a transaction I never new or authorized. They said for them to reopen this case would be to file a police report which I will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/2021 Someone opened a target credit card in my name. I only found out when I received the card on the mail. I called Target to verify if it was an actual credit card. The representative informed me it was opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Retention Consulting Services Inc.
State: MI

Complaint narrative:
XXXX XXXX from Regency Capital and XXXX XXXX ( not positive on this company name ) has been harassing me, my employees, my wife and my company. I have asked to stop calling with threatening calls, emails, to both myself but my office staff as well. I have no need for capital but this company is scaring my employees and my wife. His email is XXXX. Please help stop this type of fraud.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
We requested in writing to close both a checking and money market account using the bank 's secure messaging system. We received some responses, however the accounts were not closed. We withdrew all the funds. However, the bank insists on keeping the accounts open. We also sent them a written letter. And now we are getting notice of fees being assessed and negative balances. We have called their contact center and stayed on the phone a long time with them, again asking for the accounts to be closed. They promised to close the accounts as we asked. No luck. They just don't seem to be able or willing to close them. I have attached a number of documents as evidence of our efforts to have the account closed. This involves two different accounts, both of which we were trying to close at the same time, one checking and one money market account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29 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:
Transunion XXXXXXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts. 

This letter was sent to Transunion onXX/XX/2021. They received this letter on XX/XX/2021 which they have not yet responded to nor have they deleted said account in letter from my consumer report. I have never given Transunion any written consent nor can they provide any proof of me giving consent to report anything on my consumer report. No consent is identity theft, which is a violation of 15 USC 1681b ( a ) ( 2 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid the balance on this account months ago in full for Comenity Bank XXXX but they will not update paid as agreed never late for this account. They accepted my payment & I want my credit reports updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I closed my count with no amount owed at the end of a billing cycle with XXXX. I owned my device. They placed my account in collections and have continually harassed me to pay a debt I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX rec 'd phone call, caller ID - Chase at XXXX. Individual claimed to be XXXX and there was a problem with my cc ending XXXX. She asked questions, put me on hold 3-4 times, then never came back, but a man came on and did the same as XXXX and I hung up. XXXX I called Chase to check on a purchase I previously made and could not access my account. I called to talk with a person, to find out I had been scammed the day before for {$16000.00} for four transactions in XXXX. I was told I was not responsible for these charges and transferred me to the fraud dept. Two different individuals in the fraud dept. stated I was not responsible for these charges. One recommended I cancel my card, which was done. On XXXX an individual came to my house, identified herself, stating she was from XXXX County Dept. of Human Services and received a phone call from an individual she was asked, not to identify. She asked if I was scammed for several thousands of dollars. I replied, yes. She helped me contact three credit reporting agencies and advised I report this to the XXXX Police Dept. which was done. My attorney has sent an affidavit to Chase, stating not my charges, was received on XXXX, requesting a response. Chase has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing ( XX/XX/XXXX ) and XXXX  is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had filed my taxes. I got counseled to obtain a bank account in order to get direct deposit and to apply to p.p.p. Next on XX/XX/2021 I ask a Citi bank employee if I could open an account at that exact moment. The employee said yes. I got my data and proof. The account was opened with XXXX dollars. In the very early hours of XX/XX/2021 I had deposited a check for {$1200.00} dollars through the app. Also i had direct deposit from my XXXX XXXX job for {$580.00} dollars. Moreover, 5 days passed and my expenses were pilling up because i could not reach my money. So I use the Citi bank app to text to a Citi representative. I had asked why was my check taking so long to process. The person responding had said, it was because I had just opened the account. So I asked if the process would be speedier if I just deposited in person. And please remember this part. And I paraphrase what they said, " it is ok. The check you deposited on the phone will cancel itself. Since they have the same Information. Leaving the current check in my account. '' Next I believed my money was going to be available because i got a a letter from Citi bank. Confirming my money would be available for me XX/XX/2021. But days prior I tried signing into Citi bank app and it said I did not exist. I did not get a letter or a call. I had to borrow money that I do not have in order to travel to a Citi bank and to pay my expenses. XX/XX/2021 the Citi bank closed my account. The Citi employee said the bank would have to see if it was fraudulent money or not. I have not gotten my money, and my expenses are past due. Also my boss showed me the receipt the company has that the check I deposited got into Citi bank. So the bank has my money! What angers me is that I called every resource available to guide me in banking and finance. And it leads me talking to a robot. While they get to use my money! I am poor living check to check. I want to sue them but I am so poor I do not even have money for the paper to print. 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 2021-05-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing ( XX/XX/XXXX ) and Equifax is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report 1 date of last activity because its coming from 1 Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion, failed to delete XXXX XXXX XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
On XX/XX/21 as a 20+ year customer of the First Technology Federal Credit Union I went to the " XXXX XXXX XXXX '' at XXXX Urban Plaza, # XXXX, XXXX XXXX WA XXXX to request my card to be re-pinned. Both the employee in the lobby and the branch manager stunningly asked me to exit the premises on the grounds that my face was not covered. I informed the branch manager of medical exemption laws and those that prohibit unlawful discrimination. The bank manager even proposed conducting the re-pinning in the public area outside! I informed him that what he proposed was preposterous since it would be highly insecure to share private banking information there. 

Does the CFPB support banking institutions which put unlawful roadblocks in the way of customers who want access to their capital?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXXXXXX XXXX XXXX ( multiple ), XXXX XXXX  ( multiple ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation