vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/2023, I got an account notification from my NetSpend app stating that my account balance was - {$48.00} and sum change because of recent transaction of {$170.00} at A XXXX XXXXXXXX XXXX XXXX address : XXXX XXXX KS XXXX . I immediately logged into my account to see for myself, then I called NetSpend Customer service in order to dispute this transaction and cancel my card because obviously I have experienced fraudulent activity on my account. They told me that since the transaction was still pending that I had to wait until it posted to report fraud. So after checking my account the entire next day, the transaction finally posted on XXXX XXXX  that night so I decided to call and do my report early the next morning XX/XX/2023. During the call, I cancelled my card and certified that I didn't complete the transaction. I was given a claim number and explained the investigation process and also how to get a provisional credit. After the call, I emailed about the provisional credit as instructed. None was granted. However, on XX/XX/2023, I got a notification from my NetSpend app stating that a provisional credit of XXXX had been credited to my account. Only to be debited about XXXX minutes later. So I call them back and they tell me my claim had been denied because I didn't report my card stolen, nor did I change my pin, amongst many other factors that you will see when I upload my evidence. Their investigation tactics were not true because I called them as soon as I got the notification from the fraudulent transaction and cancelled my card. Then I tried to contact the vendor in which the transaction was posted and the place is bogus. NetSpend did not investigate this claim thoroughly and I really would appreciate if they do and give me my money back.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Inquires without my knowledge and or consent. Please delete from my credit report BK of Amer XX/XX/XXXX BK of Amer XX/XX/XXXX XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/XXXX XXXX - XXXX XXXX Chase credit card offered a balance transfer promotion that was VERY deceptive. If consumers took advantage of using the promotional checks they would receive 0 % until XX/XX/XXXX. Unfortunately, the very fine print indicated if you had an existing balance on the credit card when you wrote the check or took advantage of the promotional offer you would then forfeit your purchase grace period of existing charges and be charged a daily interest rate on all purchases. Prior to accepting the promotional offer we always paid off balances each month and never incurred interest charges. On the XXXX statement we realized the scam charges and we called Chase to complain and they said these are the new terms because we took advantage of the offer. Since XXXX we have been working to pay each month the amount we owe in order to not be charged additional daily interest from XXXX purchases. We have to call customer service each month and speak with a representative to obtain the amount to pay in order to not be charged extra FEES. We no longer use this credit card for purchases but still have an outstanding balance transfer we are paying off at 0 %. They are still charging us interest from prior purchases and their billing statements are not clear on how much to pay to not be charged extra each month. The latest billing statement indicated we currently owe {$0.00} for the promotional offer, but in reality we currently have a balance. I called on XX/XX/XXXX to complain and spoke with customer service and she said she's not sure why the statement isn't clear and it should show what our balance is for the 0 % offer. She said sorry. This in NOT acceptable practice to deceive consumers. I hope you look into this deceptive promotional offer and review their monthly billing statements. I'm sure we are not the only customers that have been taken advantage of and incurred numerous EXTRA charges. We have excellent credit and have been a long time customer of XXXX XXXX Chase, but NO LONGER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received Credit alert that Bank of America was processing a credit card application. However I have not applied for XXXX. This is fraudulent activity.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Every month they were taking a maintenance fee out of my account when I wasnt supposed to be charged for a maintenance fee. This fee cause me to be over drawn on several occasions and have an overdraft fee.

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: CA

Complaint narrative:
This is a complaint against Experan This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX  from XXXXXXXX XXXX XXXX ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that XXXX of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX  pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX m asking to remove the inquiries of XXXXXXXX XXXX XXXX from XXXX, XXXX and experian as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXXXXXX XXXX XXXX accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company, they have to protect XXXX/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the XXXX credit companies/ but I feel that this does not stop the criminals who want to continue stealing my blood, this whole identity theft case has me completely unprotected.

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: 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: PA

Complaint narrative:
Good evening this complaint pertains to a method of verification request I submitted to EXPERIAN after they claimed to have verified accounts on my credit report. I submitted this request circa XX/XX/2023 and Experian alerted me on XX/XX/2023 that account disputes were opened ; which is their usual practice whenever they recieve a dispute/request letter from the consumer. In the letter I requested the method of verification for the -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts that appear on my EXPERIAN credit report that EXPERIAN claims to have verified as accurate. To date EXPERIAN has NOT provided me with the method of verification for the above mentioned accts and has closed my account. Screenshots of the notifications from EXPERIAN and the dates are attached to this complaint. FCRA section 611 states a consumer reporting agency shall provide to a consumer a description of the method of verification with in 15 days from their receipt of my request. To date It has been XXXX XXXX days and I havent received a response or verification. This is direct blatant NEGLIGENT violation and I demand these accounts are removed from my report immediately due to EXPERIAN S lack of compliance.

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: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
XX/XX/2023 went to pay my payment she had the door lock came and unlocked the door and slammed a paper on the door was really rood about everything and than she made the comment problem can't pay it anyway cause your on ssi this was at check into cash in XXXX mo XXXX

Company public response: Company can't verify or dispute the facts in the complaint
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: NV

Complaint narrative:
U have three accounts reported to idintay theft and the credit bureau of Experien refused to remove or take the id theft report and gave them the id report but refused to investigate the mater and after two thirty days waiting they brushed me off and the report stay the same.

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 — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I hold my FSA account with Optum Financial. I submitted a claim under my XXXX and XXXX XXXX account on XX/XX/XXXX for reimbursement. The customer support department continue to re route to different departments or try to ignore the requests than helping me resolve the reimbursement request. I held {$86.00} in my account which can be claimed if I submit the claim by XX/XX/XXXX which I did on time but still Optum Financial is not able to fix the issue and have displayed " Processing reimbursement, sent if future funds received '' although funds are present in my account. 

After my multiple requests to call them and wait for hours and speak to different representatives they're still not able to resolve this. Today is XX/XX/XXXX and they've forfeitured " - {$86.00} '' for no reason although I've a claim still to be processed.

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 using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023 I filed a dispute with my bank at Wells Fargo regarding a transition with The Guarantors. Wells Fargo informed me that they would investigate and a provisional credit was issued. On XX/XX/2023 the provisional credit was reversed and Wells Fargo informed me that the claim was denied. I informed the agent on the phone that I had adequate documentation that I was never allowed to send in as well as correspondence between myself and the original merchant to prove my claim was valid. I was told once we deny a claim its a loss I have compiled all evidence of my disputed transaction and would like my money back. As well as a THOROUGH investigation to take place. Not once was I given the option to submit documents nor was I asked any questions about where or who to call. Im confused as to how this investigation was carried out. If Wells Fargo did their due diligence they would have considered all aspects.

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: Revco Management, LLC
State: VA

Complaint narrative:
On XXXX, I noticed a company ( Revco Solutions Inc ) Put a collections on my account. This company is not legally allowed to collect dept in my state. I knew nothing about the dept and did not receive an opportunity to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland mortgage is attempted to file unexplained additional charges to my account. 

they also are not providing reasonable accommodations for a person with ADA and are violating that. 

as of XX/XX/2023 they filed that my account was passed due without notifying me through the mail service as required by law or making an attempt to call me if there was a payment that was not processed correctly. 

they also have not been correctly processing payment information online.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding won lawsuit against me for not showing up in Court. My original Debt to comenity bank was for less than 3,000 dollars. They sold the debt to Midland Funding. They kept adding interest and fees where my debt became over 12,000 dollars. They started garnishment of my wages, but still adding a high interest rate. I tried calling them on XX/XX/2023 to ask why my debt keeps going up when I'm paying my debt, am I still incurring interest? The woman started scolding me that I'm not paying anything and that I'm basically scum, the court is paying them. I just thanked the lady, wished her a good day. 
I'm paying 30 % of my wages to them and incurring extra interest is punitive.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX AND XXXX XXXX XXXX. Transunion was successfully able to dispute and block the fraud account which is XXXX XXXX AND XXXX XXXXXXXX XXXX BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST 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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I been giving out my social my whole life and now apon discovery I might have any rights because of my data is everywhere. I fear for my life and my family and I'm terrified of the same laws that suppose to protect me. 

Do the color of law, American dream apply to me and my family? Do the CRA of XXXX apply to me? Or maybe the XXXX Act of my own XXXX birthday XXXX???? 

Where's the Declaration of independence I need to sign the dotted line where the insanity cease and desist on what ever. 

Who Evers reading this where Is the opt out button. XXXX, XXXX, XXXX, XXXX the XXXX XXXX Police department for violating all my rights and every last XXXX of my family.. 

Paid off my mortgage come to find out Its been paided off. I am still paying the insurer for a loan that's been paid off for XXXX  years.

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 — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I got an alert on XXXX XXXX about a collection account in tune of {$9200.00} in XXXX of XXXX owed to original creditor : XXXX XXXX XXXX XXXX XXXX . 

I called to dispute but nobody would talk to me. 

Someone in Massachusetts is using my SSN to rent apartment and utilities. I have never been to Massachusetts or California or its suburbs I leave in XXXX Florida for th longest. I have a fraud alert on my credit report so please do not grant or extend aid to anybody under disguise that its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Reference ID : XXXX Since XX/XX/2023 my account was frozen with message " Your account access is temporarily limited ''. I have tried to contact PayPal customer service many times and I they don't provide any information about why my account is frozen. I have also never received any emails related to the case and emails that I was promised by PayPal customer service, with explanation why PayPal is holding funds.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reached out to all the credit burea to have a bankruptcy taken off my profiles. I also reached out to the vendor of the bankruptcy and all agree to remove this error as i have nver filed for banruptcy or ever paid for XXXX. XXXX XXXX HAS DELETED THIS ERRO BUT EQUIFAX HAS NOT. This is XXXX  time i have sent tis request to equifax with a copy of the XXXX XXXX results. I need this off my credit. 

Thank you

Company response to consumer: Closed with explanation