vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up a Wells Fargo Bank Existing XXXX Savings Account promotion at the XXXX XXXX branch that required a deposit {$25000.00} or more by Day 30 and maintaining at least a {$25000.00} balance for 90 days after account signup. The bonus of {$520.00} would be credited within 30 days after all requirements were met. The offer code was XXXX. Although I had met all the requirements, I still have NOT received the bonus after signing up for more than five months. 

Here I reported key dates and activities as follows. XX/XX/XXXX ( Day 1 ) - Signed up the existing XXXX savings account promotion in the branch. XX/XX/XXXX ( Day 3 ) & XXXX/XXXX/XXXX ( Day 23 ) - Called the CS twice to ensure the code was applied. XX/XX/XXXX ( Day 29 ) - Deposited {$25000.00} to my savings account. XX/XX/XXXX ( Day 98 ) - Transferred the fund out. XX/XX/XXXX ( Day 120 ) - Bonus SHOULD be credited ( which I didnt receive ). XX/XX/XXXX ( Day 122 ) - Called the CS to inquiry the bonus and I was told I didnt keep the fund for 90 days after deposit. ( *Note : Per the terms of the promotion, I ONLY needed to keep the deposit through Day 90 after ACCOUNT SIGNUP ). XX/XX/XXXX ( Day126 ) - Visited the promotion signup branch, the banker supported my view, noting that I had fulfilled all of the requirements, submitted a promotion incentive ticket ( Ref No : XXXX ). Hence, the banker suggested that the bonus should be post in XXXX business days. XX/XX/XXXX ( Day 159 ) No response nor the bonus received. I called the CS but the banker over the phone told me that I was not eligible for the bonus because I didnt keep the deposit for 90 days ( *Again, the discrepancy is the deposit HOLDING PERIOD, which the bank misunderstood. ) Because the Wells Fargo bonus department misread the terms repeatedly, I had no choice but to file a CFPB complaint. Here I have provided three files : file 1 is the offer ; file 2 is the main terms, where the discrepancy is highlighted ; file 3 is the screenshot of my savings account transactions ; file 4 is the printout of promotion incentive not received inquiry.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A check was deposited into the checking account on XXXX XXXX XXXX all of the funds were available but Capital One has put a restriction on the account that does not allow the funds to be withdrawn, transferred or moved, and they have not explained why! 

The account is still restricted as of todays date, which is XX/XX/. I would just really like for the funds to be released to go ahead and take care of all my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX  XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

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 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had someone call and claim to be with Wells Fargo, they transferred money out of one of my accounts and transferred to a XXXX XXXX XXXXXXXX account. Wells Fargo is saying that thy can not do anything about this and won't refund my money. I have filed a report with the local Sherriff Dept. A warrant has been issued for the arrest for the person who performed the unauthorized wire transfer from my account.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/ XXXX XXXX  I sent a payment in to my BJs Mastercard. At the time it was serviced by XXXX. Now by Capitol one. I sent capitol one all information twice in the mail as the fax number they gave me never answers. They keep telling me my information is not sufficient and I need to contact XXXX. XXXX said they sent all files to Capital One. I sent Capital one a copy of my bill pay app page showing the payment, A copy of a portion of my bank statement showing it was paid as well as A Mastercard RPPS sheet that mastercard and my bank showing me it was paid. Capital One again charged me the {$500.00} dollars and told me I have not submitted enough information. There is no more information to submit. The Mastercard RPPS sheet has every transaction number and routing number, time and destination etc for the transaction that is possible. It is the absolute definitive evidence that can be had, yet they are still trying to steal my {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: OH

Complaint narrative:
Hi, I received an email from Chase on XX/XX/XXXX said they are going to close my account and I need to call or log in App to unlock. I tried log in but failed and I called customer service who told me ALL accounts are already closed by Chase and she can not provide a reason for that. She also said the remain balance will be sent in 10 business days. 

I stopped by at Chase branch on XX/XX/XXXX because I haven't received my check for around {$7000.00} balance. One of the stuff looked up in the computer and told me the review of my case was done and check was cut, should be delivered in next 7-10 days. 

I went to the same branch again on XX/XX/XXXX as I received email bank statement of one of my Chase credit card that I was told should be closed by Chase already. The banker called other departments and told me, they are still reviewing my account and need me to keep waiting another 1-2 weeks before they mail my check. From my perspective, Chase is holding my money for no reason in the past 20 days, and some of employees lied to my face about my account and check status. I am supposed to receive the check within two weeks after they closed my account, and yet, they are not even capable of giving me an exact time and status of my case.

Because of Chase, now I have big trouble paying bills or living. I may be evacuated from the apartment if I don't pay rent asap.

Despite the situation of my unfinished check, one of them told me my accounts were are closed but they were not. Causing me to have to pay more interest and late fee for credit card eventually. That seems like pure fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX  | XX/XX/2023 : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-04 00:00:00
Product: Credit reporting 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: NJ

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 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Found some hard inquiries that are not mine on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting 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: ME

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, Transunion, XXXX, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX Apartments in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX Apartment incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and XXXX. We submitted written request, which included XXXX certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting to remove the collection balance from our credit reports. Action dates : 1 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and XXXX. 2 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 3 ). Beginning XXXX through XX/XX/, multiple attempts made to XXXX XXXX Apartment to correct the issue they initiated. No response. 4 ). On XX/XX/, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/, the dispute is still active. Additional details available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Name, place of residence and place of employment is wrong. 
I would also like it to somehow reflect that I have been renting from XXXX XXXX XXXX since XXXX and that I have been working for XXXXXXXX XXXX  since XXXX of XXXX. And that my legal name is 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 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have received two letters from Jefferson Capital concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by Jefferson Capital to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " XXXX '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in XXXX grade XXXX XXXX  years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called Jefferson Capital to file a complaint. I tried to ascertain from the call
person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is Reference XXXX XXXXXXXX, is the latest reference number provided me from filling out a complaint, again with the online citi checking customer service department in regards to the below complaint. 
I deposited XXXX into a new Citi checking acct on XX/XX/2023 for XXXX promotional bonus to be deposited to account in 50 days ( by XX/XX/. ) Maintaining minimal XXXX minimum balance was required which was done. Prior to setting up the new checking account and transferring the large sum of money of XXXX to citi, I had citi employee verify over the phone that I met ALL critieria for this promotion including carefully checking the dates of any prior accounts ( existing and closed ) to make sure that I met all criteria related to any prior accounts, when they were opened, etc. The employee assured me, after reviewing m files and the promotional requirements, that I definitely met ALL criteria and was qualified for the promotion as an existing citi customer. So, after she reaffirmed this to me over the phone emphatically..I went ahead and set up the new account with her and transferred the XXXX money to citi. 
Citi received and accepted my money, under this promotional offer and opened my account under this promotional offer, having full record of any/all of my prior citi accounts as well as having reviewed them over the phone prior to setting up this account for me and having me transfer the XXXX to them. Once the required promotional time passed for my leaving the XXXX balance in in the account, the bank did not credit my XXXX promotional amount. Instead they kept giving me the run around, repeatedly telling me that I had met all the requirements and were putting in a 'request ' to their 'back office ' to get the promotional amount credited to my account. Then the 'back office ' would mail me a generic letter saying that I did not qualify because I had a prior opened account within 180 days prior to the aforementioned promotional checking account being opened on XX/XX/2023. They now state that I 'did n't ' qualify for that promotion because of the prior account having being opened within 180 days prior to the promotional account. This is NOT what the employees told me that helped me set up that account, apply that promotional code to that account, and helped me transfer my XXXX 'loan ' to citi XXXX in good faith. I am not responsible for citi employee 's being properly trained, citi is.I am not responsible for 'bank ' errors, citi is. I performed in providing citi with XXXX in money for the required time and now they are reneging and not performing on what they promised me, in good faith which is XXXX to be credited to my checking account. Can you please help me? 
Thank you. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IN

Complaint narrative:
My personal information was stolen during the XXXX data breach resulting in accounts being opened in my name destroying my credit and putting me in debt.

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