vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Tried to make a refund complaint with XXXX. XXXX XXXX- accessed a phishing site by accident. The site asked me to enter a XXXX account to facilitate the refund due. The fraudsters asked me to enter their name to a XXXX account -in order to faciliate the refund from XXXX . they immediately withdrew money from my accounts. WHILE this was happening I got my bank online and in real time they were able to see and act on the account - they DID NOT. After the event - I requested a refund for fraud... They bank denied my request and I am out {$4000.00}

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The main problem has to do with TransUnion reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX XXXX XXXX  ( {$190.00} ) and XXXXXXXX XXXX XXXX XXXX ( {$6500.00} ). I put in a dispute to TransUnion on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by TransUnion but instead of correcting the balances they deleted the XXXX XXXX  XXXX  off of my credit report and did not change XXXX XXXX XXXX XXXX XXXX  saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why TransUnion was reporting incorrectly, and would make sure they were correct this coming cycle. XXXX XXXX  was not able to add the credit card back to my account which I still need to happen and TransUnion was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and TransUnion has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now 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 2023-03-31 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: CITIBANK, N.A.
State: NV

Complaint narrative:
The main problem has to do with XXXX reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX credit card ( {$190.00} ) and Citi Bank credit card ( {$6500.00} ). I put in a dispute to XXXX on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by XXXX but instead of correcting the balances they deleted the Citi Bank card off of my credit report and did not change my XXXX XXXX credit card saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why XXXX was reporting incorrectly, and would make sure they were correct this coming cycle. Citi Bank was not able to add the credit card back to my account which I still need to happen and XXXX was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and XXXX has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now 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 2023-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

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 2023-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I sold my house on XX/XX/2023 and I was due an escrow refund from my mortgage company LoanCare amount of {$4100.00} within 30 days I contacted them numerous times and they tell me a check should have been mailed out within 10 business days of closing. The address on file was verified as the correct one, but I have yet to receive my check in the mail still. I offered to pay for tracking so I can locate the check, but they tell me that is not possible. They continue to tell me nothing can be done in regards to locating my check except wait for 30 days since they sent the check so they can send a new one.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Yes I have a Chime Credit, Checking and Savings account with chime. I was in XXXX on XX/XX/XXXX XXXX Illinois trying to purchase items when I noticed I couldn't use either my credit or Checking card. I have money in all 3 accounts totaling at least XXXX dollars I've contacted them thru phone and email and I'm just getting the run around I submitted my ID to them thru email. I have been robbed of my money and I need my refund asap. They close my account with alerting me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IN

Complaint narrative:
There Are Inquires On My Reports That I Did Not Authorized, Plz Delete All Inquires On My Report. My Information Was Compromised Online. I Would Like These 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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX  XXXX XXXX, XXXX ,  FL XXXX Bank account being closed XXXX Credit card still open : XXXX I have never had a banking relation with any bank and in fact I have a student credit card Opened with this company. For some reason I tried opening a checking account and it was closed 15 min afterwards. Ive tried to open an account again and it wont allow me to it says I can never open a checking or savings with them. This is very sanding because my entire family has a relationship with Chase and I wanted to keep that tradition. I feel discriminated for some reason. This bank is not allowing me to open up a bank account with them and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen and have a bank account and a relationship with Chase. Im not in XXXX systems or have ever had a relationship with Chase bank or any other bank to cause them to want to not open a checking account or savings account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: Meridian Financial Services, Inc.
State: PA

Complaint narrative:
I filed a dispute about item on my credit report with XXXX They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown XXXX  any proof of debt and XXXX fails to remove item after multiple disputes. The company in question is meridian financial.

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 2023-03-31 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. Regional Acceptance XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXUN Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Again, Credence Resources Management LLC is again playing games and harassing me. We have already been over this issue. Please see earlier complaint. I don't know what is wrong with those people but they are not going to comit a federal crime, then act like everything is okay. I was attacked by XXXX XXXX XXXX XXXX dogs because I was trying to get money owed to me for belongings I was being forced to sell to address the same issue. They want {$150.00}! Well I guarantee that XXXX XXXX attack is gon na cost them a XXXX of a lot more. Ha. Ha.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX The status of this account is closed. I paid {$96.00} and its been written off. Im trying to get this potentially negative account removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
Loan mart has called my place of employment threatening to get me fired and or have me sued and put in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
MRS BPO LLC collection text my number about another clients debt, asked if knew the person for a XXXX XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Consolidated Recovery Group, LLC
State: TX

Complaint narrative:
Received debt collection notice XX/XX/22 Advised it was no balance owed. 

They promised to look into it Never contacted me Increases amount owed every month No this is owed by me at all Seems like fraud cover up tried to deposit money into my account after I disputed account to justify that I owed it. Wrong account. Had already grossly impacted my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 non-monetary relief
Consumer complaint received 2023-04-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wellsfargo automatically opened acct when wellsfargo mortgage bought out my mortgage bank in 2011. And I have lost money on my mortgage. 
I have XXXX so I'm sure the records will straighten out that owes me. Thank you

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 2023-04-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
XXXX  XXXX XXXX sent me US {$2900.00} via Western Union on or about XX/XX/2023. 

I have been trying to get the money but every single time I try to receive my money, Western Union refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX {$47.00} This banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.

Company response to consumer: Closed with explanation