vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
My boyfriend XXXX XXXX XXXX opened a Shell Credit card in XXXX. I met him in XXXX. In the fall of XXXX he added me to the card as a user. He has the owner card and I have a user card. In the last couple months XXXX XXXX went on line to make his payment and found he was not the owner of the card, they had changed the card into my name. With his social security number and the rest of his information. So when we started trying to correct this they told us that we did this. Now why would I want to be owner of a high balance card at the time. Then another time we tried to get this corrected they told us that this could not happen. I have explained to them that I would not take ownership of a high balance I would have opened my own account. I also explained that I did not know him at the time. Then I was informed that his name is not on the card at all. In another time I was trying to correct I gave them my social security number and by that afternoon they had taken his off and put mine on. I refuse to give them anymore personal information. They had me fax a copy of credit cards, his birth certificate, his driver 's license and his social security card, it cost me XXXX I faxed on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX they still have not received the information. They do not have an email address or a number to text to. You can not talk to the same person twice. Please advise me what to do. Since the bill has been paid off. And he don't want to cancel as he has bad credit. I am trying to find out from credit bureau if this effects my credit. Also they suggested I put him on as a user and he would be getting credit for it also. We can't even pull up the account on line because of their mixup. HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 Total amount is {$2700.00} There have four transactions that I didn't authorize. Two were from XXXX and two were from XXXXXXXX XXXX Later, I found someone using my debit card to withdraw money at ATM, which was also unauthorized. The first time, I dispute these transactions. And they give me the credit. But later, they told me they can't do it and then take the credit back. Thus, I called chase bank again, and an agent suggested that she can help me to withdraw my complaint and refiled it again. But the thing is, they didn't investigate and directly reject my complaint. The third time, customer service told me they can't do anything because of my duplicate file. Let me think of other options. But the thing is, I just do what the customer service suggests. In the end, they didn't solve these unauthorized transactions and leave me away. So, I come here to ask for help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NY

Complaint narrative:
I writing today because I am stressed out and tired of the futile efforts of disputing with Experian. I have brought to their attention since XX/XX/XXXX when I received my credit report and saw inquiries that were never authorized by me and I have no knowledge of. I tried resolving it with Experian, until today, XX/XX/XXXX and they have ignored all of my requests even after sending an FTC report that they requested ; they are violating my rights. I will be attaching all documents, 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 non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 around XXXX, I walked into XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX and initiated a wire transfer in the amount of {$24000.00}. I am an account holder at XXXXXXXX XXXX 
The wire transfer was to a Chase Bank Checking account. I was told that because I was initiating the wire early in the day that it would be received the same day by the beneficiary. 
The wire was never received that day so I called XXXX XXXX XXXX XXXX XXXX and spoke with the teller XXXX that initiated the wire. We went over the account numbers and confirmed that all the information was correct. The teller XXXX promised to call me back after she did more research. About 30 mins later she called me back and confirmed that the wire was sent and that she had a Federal Reference Number relating to the wire transaction. She gave me the Federal Reference Number and I gave it to the the beneficiary. 
The beneficiary called his bank the same day while I was present, and spoke to a banker by the name of XXXX XXXX from the Chase Bank XXXX XXXX Location. 
He told her the situation and gave her the Federal Reference Number and she placed him on a brief hold. When she returned to the phone, she told him that no wire has been received and they have no record of a wire being sent to them and that we should follow up with the sending bank. 
I couldnt understand this at all and this is the basis of my complaint. Somehow the wire I sent is missing and I dont understand how {$24000.00} just comes up missing when I have proof that I sent the wire and all the details were correct. The {$24000.00} has been debited from my account and now I am out of {$24000.00}, and the money has not been received by the beneficiary. 
On XX/XX/XXXX the beneficiary still had not received the wire so I called XXXX XXXXXXXX XXXX XXXX XXXXXXXX and requested a wire recall which they did not allow me to do because they said the money was received by Chase Bank which Chase Bank is saying it has not been received. 
I am asking that my {$24000.00} be returned to the beneficiary or to my bank account. The Federal Reference Number is listed below and the wire transfer receipt is attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My identity was fraudulent used as was personal information of mine by some company stating I stayed somewhere that I never have and upon further personal investigation I discovered, Doesn't exist. 

The debt was eventually SOLD and has since impacted my credit which EXPERIAN allowed WITHOUT CONSENT OR PROVIDING ME PROOF and has been since baggering me with calls constant mail And openly sharing fraudulent information

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
I ask for pay off at first they said it was in bankruptcy they received 3 faxes showing it wasnt., XXXX took his a name off loan, the renters where having it taken out of their account, then on 3rd try they said it was redundant to give me payoff. They mention Texas I have spoke to 4 companies. 3 didnt know about XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Alowed mr XXXX to sign off. But Fay servicing is the one who is to give information. They are holding mortgage information, they are causing more stress than I need. My mental health is not good, neither is my health. I just want payoff so the renters can payoff and have house. Its simple but they are refusing to cooperate. There mean people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX is on XXXX while as other bureaus had removed due to paying full as it supposed to fall off once received partial payment. 

Kohls & Capital is on XXXX and XXXX but not the other bureau, both had received partial and to be removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called Experian several times regarding this matter, refusal to update my personal information. Experian is holding my file under special maintenance I am not sure what this means. Under the Fair credit Reporting Act, 1681b and 1681d should be able to obtain credit reports and update my personal information. I have been unable to do so because of Experian holding file under special maintenance.

I have made this request several times via calling Experian over the last two months. There should only be one name and address on my credit reports. I am unable to obtain my credit reports because of Experian. Other credit bureaus have updated my information. In XX/XX/2022, I was told that my credit is being held by Experian " special maintenance '' department. This is one of Experians Department. I have no idea what this meant. The representative stated someone would be in touch to fix and correct this issue. No one reached out to me. The Issue has not been resolved.

I was denied health insurance because unable to verify identity with Experian. I was referred by XXXXXXXX XXXX to reach out to Experian. The representative told me he can not help me and referred me to Experian directly. After being referred directly to Experian I was told by the Experian representative to go to experian.com/upload my verifying documents. Upon uploading documents online, upload documents online failed and the site stated needed to mail in documents because of their error. 

As a result of Experian not updating my personal information, unable to obtain identification. I have been denied health insurance, denied access to XXXX, XXXX, XXXX, unable to obtain a bank account, unable to secure a job, obtain a replacement social security card, unable to remove my information from credit brokers such as XXXX XXXX, and unable to obtain my credit reports. I have mailed in documents, no credit reports, and no updated personal information. 

Under the Fair Credit Reporting, I have the right to update my information, access to my credit reports of which I have been denied these things because of Experian.

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 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
I paid all of it. Someone probably used my information and did not pay. Please delete from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This company is a Fraud. I have complained about the same things over and over and they have not fixed anything. 

1.It is against the law to have XXXX of the same accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX are the same card reporting each month. This is double jeopardy turning over to my attorney. 
XXXX. XXXX XXXX XXXX they have illegally changed the reporting date and is reporting this account with a balance each month that is closed AGAINST THE LAW turned over to my attorney. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have told them THIS IS NOT MY ACCOUNT and they refuse to remove it and any of the accounts above Therefore I am pursuing legal action against this company. 
I have saved and documented every report on here and their responses. I know the law.

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 2023-02-15 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:
Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

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 2023-02-15 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:
Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: FL

Complaint narrative:
Credit card from XXXX XXXX XXXX was mailed to my home. I never requested or opened an account from XXXX so I contacted # XXXX, found out card was open in XX/XX/2022 and all purchases were made one line without the card. I have reported the issue with them and closed the account also reported it as fraud. Please advise if there is anything else I should do. They have charged XXXX. I do not want to be held responsible for something that is not mine

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime Bank mailed a check for me using their " Mail a Check '' feature to XXXX for {$4.00} on XX/XX/2023, and the app shows the check was cashed by the recipient. The recipient is stating they never received this payment, and needs a copy of the cashed/cleared check so they can initiate an investigation on their end. I requested a copy of the check from chime on XX/XX/2023. After initially being told in error that a copy of the check could not be provided, I was told one would be requested from the engineering team and would be forwarded to me within a few days. Over the past 2 weeks, I have tried to follow up with Chime more than a dozen times, and I just either get ignored, or I get form responses saying " we are still working on it. '' The biller is charging me fees and extra interest until i can prove to them this payment was made. Chime bank should be able to provide copies of checks sent on behalf of customers within a reasonable amount of time... it is unacceptable to make someone wait weeks for a copy of a cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX and Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and name XXXX XXXX XXXX XXXX XXXX and XXXX number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. # XXXX, and AARGON AGENCY # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have not given either of these debt collection companies written instructions to fur
nish any accounts and as such they are violating my right to privacy.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. # XXXX, and XXXX XXXX # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have not given either of these debt collection companies written instructions to furnish any accounts and as such they are violating my right to privacy.

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 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
Unable to access my funds in account, can't ACH in or out, can't add external account, can't deposit check, impossible to find account information, never been provided Debit card to use

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently attempted to get a vehicle for my business and found out my credit was an issue. 
Upon pulling my credit to review it, I noticed issues with the amount of addresses on my report that do not belong to me. Possibly ID theft or mixed up with someone elses information. 
I sent a letter to have the information removed from my credit report. 
I received a letter from XXXX XXXX whom I placed a freeze on to prevent my information from being misused and are now saying they are investigating my information. 
I didn't ask XXXX XXXX to investigate. I asked the credit reporting bureau to remove this information from my file.

Company response to consumer: Closed with explanation