vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I tried to withdraw {$500.00} from XXXXXXXX XXXX  here in XXXX XXXX. My primary bank is Discover Bank and from their app, XXXXXXXX XXXX does not charge a fee to use their ATM. After I requested the {$500.00} from this ATM, and this ATM has worked for me in the past, the ATM froze and did not dispense my cash and gave me a receipt. The receipt showed that {$0.00} was dispensed and said it canceled the transaction. 

Later that day I checked my checking account with Discover and I noticed the {$500.00} came out on my account. I first contacted XXXXXXXX XXXX  and they told me to contact Discover. On that same day, I opened a dispute with Discover Bank and uploaded my receipt from the ATM stating I did not receive my cash. 

XXXX weeks later I received a letter in the mail saying my dispute had been denied. I contacted Discover Bank that day to reopen my case and they asked me to upload more information. I told them the receipt was the only thing I could provide. This XXXX attempt has been denied. 

I contacted Discover Bank today and asked what else I could do they said they wanted more documentation from XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and since I'm not a customer the receipt is the only thing they can provide me. So I've uploaded my receipt to Discover Bank for a XXXX attempt but it will get denied as it was denied in the past. 

I'm attaching the receipt as proof and the last XXXX of my debit card align to my card number and within that receipt, it shows {$0.00}. 

I am not committing fraud and just want the {$500.00} that I never received from the ATM. Push come to shove there is suverlliance from the XXXX XXXX that will support this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conasumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a check for {$200.00} from Wells Fargo for : " During a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occurred. As a result, we are enclosing a check for {$200.00}. '' They owe me much more than that.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Investigate Under FCRA Dear CFPB, I am writing to file a formal complaint against Experian, XXXX of the major credit reporting agencies, for their failure to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Incident Description : Experian failed to properly investigate items disputed as outlined in the FCRA. This is now the XXXX attempt to force Experian to abide by the FCRA. 

I sent XXXX separate letters to Experian not only citing factual deviations between the XXXX bureaus that outline a clear picture of inaccuracies, but I also pointed out the clear Metro-2 violations. Experian has sought to blatantly disregard not only the FCRA, but also their own internal Metro-2 standards. This shows a clear pattern of Experian not ensuring that consumers have a 100 % accurate credit report. 

Resolution Sought : Detailed investigation in accordance with FCRA guidelines. 
Correction of any inaccuracies found in my credit report or deletion of items. 
A written statement of the outcome of the investigation. 
I have also attached supporting documents, including copies of my initial dispute letter to Experian and any correspondence received from them. 

As a licensed and board-certified credit repair expert based in XXXX, XXXX, I understand the importance of accurate credit reporting and the significant impact errors can have on consumers ' financial lives. Therefore, we urge the CFPB to take prompt action in addressing this issue with Experian. 

Thank you for your attention to this matter. I look forward to your timely response and resolution. 

Sincerely, 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 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear Customer Service, I am writing this to you to demand and request to remove the account of Portfolio Recovery Associates name and any associate account from all of my credit reports : XXXX, XXXX and XXXX. 

I want to demand to REMOVE all accounts under their name or any account related/associate to them or they trying to collect ; to be removed from all of my credit report. 

Reason : They don't stop of harassing me by sending me multiple letters of the account they allegedly they said I owe to them after cease and desist. 

Again, I have never singed any contract directly with them. They did not provide nothing to me to proof I owe them this money directly to them : For example : Chain of title/assignments, contract signed my me with my wet ink that I allegedly owe this money to them. The complete and signed contract for the debt obligation ; that are licensed to collect on a debt in the State of New York or proof of Good Standing under the laws of XXXX XXXX and the Secretary of State just to mention a few. 

Specially that this account does not pertain to them as Creditor, I want to request the removal of Portfolio Recovery Associates from all of my credit reports. 

I will appreciate if it is possible that CFPB report this request to the credit Borough which is : XXXX, XXXX and XXXX, This is a violation is in violation of FDCPA. 

Again, Please remove of my credit reports Portfolio Recovery Associates from all and any account reflecting to all of my credit reports. 

I will greatly appreciate it your assistance on this matter. 

For many years I am been affected emotional, mentally and physically from this people harassments. I want to put an end of this pain and suffering they has causing me as this is aggravating. 

I am very tired of this back and forth with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are erroneously reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I can not get my total Statement due on my QVC card..I have called XXXX  times I have been transferred XXXX  times nobody can tell me the total balance do on my Q VC account they only tell me that the amount do is {$15.00} XXXX XXXX only I want the total balance synchrony and QVC will not tell me the balance due so I could pay my card off And the total Balance DUE is not on their statements. This should be against the law. Please assist in getting my total balance due on the account so I can pay it off without interest!

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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto sales sold my loan to a debt collection company and I did not sign paperwork for that. They repossed my vehicle forcing me to go and get another vehicle paying way to much more than I was. My loan would have been paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I applied for the Best Buy credit card issue by Citibank a couple weeks ago.

My credit score is decent in the low 700s no negative items.

Citibank declined my application and the only reason they give me was that I have collections on my credit report which is not true but they approved me for account call progressive leasing which is not what I want. 
Last week my wife applied for the Best Buy card her credit is very good in the XXXX no negative items either, she was declined with the same reason and approved for the same program progressive leasing. 
We both had in the past rough times but who hasn't, I'm talking about 10, 15 years ago maybe more. 
We have been approved for XXXX, XXXX, XXXX and XXXX. 
We don't have a lot of debt the only big item is our home. 
XXXX car loan with XXXX payments left. 
We open a business this year. 
We still have our jobs. 
I don't know if Best Buy or Citibank prefer approve consumers with a leasing program maybe because they make more money that way but I don't think is right. 
I am bring this to your attention to see if another consumer are having the same issue. 
thank you for your time.

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 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I initiated a transfer with Santander bank to transfer {$25000.00} from my account at XXXX to fund my account at Santander. Both bank accounts belong to me. On XX/XX/XXXX XXXX withdrew from my external account XXXX {$25000.00} and verified with an email that transfer was on its way. XX/XX/XXXX I got an email saying that they are sending the {$25000.00} back to XXXX and I should be on the look out for the return. As of today XX/XX/XXXX I have not received the money. I went to branch twice and called numerous times. Each time the response was, we are looking into it.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Its already 2 years since I opened my bank of america credit card account and the inquiry doesnt disappear.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a Bank of America customer for years. I had made some purchases to go see my family oversees then my account and relationship got closed in error in XX/XX/2022 and I have not been able to open them since. I need my credit card reopned asap

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 2023-12-27 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I did a simple {$700.00} balance transfer from my Citi Bank XXXX XXXX account to my XXXX credit card account on XX/XX/23. XXXX provided me with the cashed check copy. Citi Bank kept saying they never received the check. I provided them with the copy of the check I got from XXXX showing they received and cashed the check on XX/XX/23. Citi bank told me they applied the money to the wrong account and would correct the issue and apply it to my account. Over a month later, Citi bank informed me they reversed the balance transfer and sent the money back to XXXX. A few weeks later, I contacted XXXX and they had not received the {$700.00} back. I called Citi bank on XX/XX/23 and spoke to a supervisor. He told me that Kentucky XXXX XXXX XXXX has the {$700.00} and he refused to provide me with any proof of who or what this company is and proof that the {$700.00} was sent back to XXXX. He said " The money is gone and we can't give you any info on the agency or any proof the check for {$700.00} was sent back to XXXX. It's not our problem anymore. '' So now, I have a {$1400.00} debt on a {$700.00} balance transfer that never went through to anyone and XXXX is saying that since the check they sent was cashed by Citi Bank and not returned to them, I'm responsible for the {$700.00} Balance transfer. And Citi bank says that since they no longer have the {$700.00} Balance transfer because they sent it back, I owe them the {$700.00} as well. I've been fighting this since XXXX and reached the end of the commutation in a stale mate

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi! I recently checked my credit statement and saw a hard inquiry by JPMCB XXXX. I never applied and I'm unsure if an account was open. I am sure this is fraudulent activity, as I requested a fraud alert to be placed on my account because someone accessed my information prior to this incident to do taxes under my name. Please remove the inquiry and account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX of XXXX, all of the money in my bank account was drained within a few hours while I was sleeping. I received a text message multiple times from chime bank asking if I want to authorize a transaction from XXXX XXXX. I responded no yet the bank still allowed the transactions to go through and this completely drained my bank account. The transactions range from {$1.00} all the way up to {$23.00} and there were over XXXX transactions. I immediately notified my Bank of this issue and reported this as fraud. The card information that was used was the card number from my digital card in Chime. Chime bank instantly declined the dispute from all of my fraud charges and no money was given back to me. XXXX failed to protect me as a customer and allowed an unauthorized user to spend all of my money even though I declined the transactions and told chime to not authorize these. I then filed a rebuttal and requested that I received documentation on how they came to the conclusion that there was no fraud. My rebuttal was again denied XXXX days later, and no documentation was provided to me after multiple requests on how they came to the conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX XXXX since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to 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 non-monetary relief
Consumer complaint received 2023-12-27 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-27 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-27 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: GA

Complaint narrative:
I found my account was closed... they claimed it was fraudulent activity... i asked what looks fraudulent they gave me no answer they told me m funds would be sent to me in 1 to 10 buisness days ... that was over two months ago ... ..they say my funds are under review and they still wont tell me why or anything at this point i have no idea when or if im going to get my money..

Company response to consumer: Closed with explanation