vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was inform that my checking and savings accounts were closed by Wells Fargo. They contacted me via email and I called them immediately. In such call, I confirmed with the bank agents the address in XXXX where the checks should have been sent with the reimbursement of the money contained in my accounts. 

By the date of this claim, I have called to the bank multiple times asking why I have not received the checks in my address in XXXX. In XX/XX/XXXX, a bank agent informed me that they allegedly sent me the checks to my old address by mistake, so they requested to sign an Affidevits called : " Declaration as to Lost, Destroyed, or Stolen Cashier 's Check '' duly authenticated by a Notary, that they sent me to my correct address in XXXX 

On XX/XX/XXXX, I sent back to the Bank by USPS the Affidevits duly signed and authenticated by an American Notary. 

On XX/XX/XXXX, I called to the " Departamento de Soporte de Clientes y Mediaciones '' where a bank agent called " XXXX '' informed me that they do not have any information about the receipt of the Affidevits, so they can not confirm the situation of the reimbursement of the money contained in my bank accounts through a check. 

I already have been waiting XXXX months for my money, when I trusted in a bank institution as Wells Fargo my savings in order to get access to them when I want, taking into consideration that such money derive from my work and I urgently need to use for the maintenance of my family.

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 2022-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I filed fraudulent charges on my spend account with credit karma. On XX/XX/XXXX they locked my checking and my savings! Claiming they were under review for 10 business days. It is now XX/XX/2022 and I have yet to receive access to my account .... they tell they are delayed. But it's people that submitted cases after me that have received a decision! I truly believe I am being discriminated against. XXXX  bank has been know help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation
State: NC

Complaint narrative:
I received a XXXX XXXX card from Card.com and XXXX that I didn't apply for. When I tried reaching customer service the automated system simply asks me to provide personal information including zip code and social security number. I did not provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: VA

Complaint narrative:
I had unauthorized charges on my bank card and immediately filed with the FTC and also filed a dispute with Chime as soon as allowed. I reported my card as stolen as well. 
Chime has refused to stop or reverse the charges requesting that I offer proof. There is no proof. I do not know the company that made the charges, I do not live in Florida so I did not swipe the card there, I did not order from them. This is obviously a card scammer and Chime is allowing it. 
I will be happy to provide whatever information you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America failed to conduct a fair investigation into claims against XXXX  XXXX  XXXX  XXXX XXXX. 

BOFA covered up police and fire reports and colluded with XXXX XXXX to defraud me regarding total fire damage to my auto. 

BOFA owes me over {$1700.00} in refund. 

XXXX XXXX XXXX has used police to harass me in my effort to receive fair treatment.

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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I paid my bill on the due date, XX/XX/XXXX at XXXX pm on the due date- but Capitol One didnt post the payment until XX/XX/XXXX causing me to be charged a late fee of {$40.00}. 
I have asked to have the late fee removed but their computers wont allow that to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a pre-approved offer from XXXX XXXX  visa on XX/XX/22. I applied for this and was approved on XX/XX/22 ( or so I thought ). I received my card on XX/XX/22 and activated it that same day. I set up my account on the website and attempting to set up my PIN # I was informed through the website that the account was closed and would/ could not be reopened. I was a little shocked at this. I contacted the bank who informed me ( rudely I might add ) that after reviewing my credit report the account was permanently closed. Thank goodness I didnt try to use it since that would have been very embarrassing. After conversations with a representative and a supervisor I was told that the account would not be placed on my report as that was my main concern. On XX/XX/22 I have once again received a PRE APPROVAL letter from Comenity Bank on behalf of XXXX XXXX for a Visa card. Once again I contacted the bank with no success. Today, XX/XX/22, I was notified that there was a new account on my report from XXXX XXXX XXXX. So again I contacted the bank who is refusing to remove this from my credit report. They did say they would be reporting the account as closed by lender which as you well know will be a derogatory blemish on my report. I do not think it is fair that my credit be dinged for an account that I never had access to. I am requesting that this account be removed from my file entirely. I made the suggestion to this bank to reword their offers. Pre approved is just that, not that I am invited to apply. They gave me an acceptance code??? Please help me so that my credit doesnt suffer from something I have NO CONTROL over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. FDCPA section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, 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 2022-06-07 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: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff is reporting me at 90 days past due when the account was only 84 days past due, only accurate information is supposed to be reporting on my credit report & this is a violation of the CFPB. 

If the last payment date was XX/XX/2021 then that is not 90 days. Its actually 84, even though the account is showing to be current for XXXX & XX/XX/2021. Not even sure how the credit bureau has allowed this account to stay reporting incorrectly because theres nothing XXXX XXXX complaint about it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NY

Complaint narrative:
on XX/XX/2022 i sent letters to XXXX, Equifax and XXXX about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, Equifax and XXXX on XXXX because they didn't remove XXXX  XXXX  A/C # XXXX 2.XXXX/XXXX  A/C # XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
XXXX certified debt verification letter sent to Quality Asset Recovery. 

As of XXXX, I have not heard from them regarding the debt verification but they are still attempting to collect on the debt. Even listed it as two separate debts on 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 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, 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 2022-06-07 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: FL

Complaint narrative:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a joint account with family friend. His balance was XXXX for months. He deposit a cash in the ATM machine for {$19000.00} on XXXX XXXX. On XX/XX/XXXX. XXXX, he walks into the bank asking for a withdrawal. The teller tells him he can only get {$8000.00}. He received that and walks out the bank. I get a call the same day saying what occurred earlier.I asked why didn't you contacted me before you gave him the funds. She said his name was on the account. It turned out the check bounced and was stolen. I'm confused because the same way they called me hours later to ell me what happened, they could have called me before they gave him the money. Anyway, I spoke to the person who did this and he said the people who convinced him to do this told him they know someone who worked in the bank..He has text message about this entire situation. I have partial text messages but he showed me in his messages the person said, " we know someone in the bank '' ..... Prior, to this happening, I went into the bank asking them to remove this person off my account and they never did.Now, they are telling me I'm liable for the bounce check of {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # 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

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 2022-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a Victim of a ponzie scheme due to an initial XXXX dollar investment into XXXX XXXX XXXX. XXXX months down the road the SEC deems it a ponzie and shuts it down. That same day chase allowed a one time chase to chase transaction from my account to XXXX XXXX chase account for {$18000.00}. When I caught wind of the situation chase told me that due to the initial XXXX my claim was automatically declined. So XXXX with chase executive then took over and tried a reversal of the transaction which didnt work because due to their automatic denial time had gone by and the bank account was now frozen and under the court appointed lawyers control so they werent going to allow chase to reverse my transaction. Now my issue is how the lawyers deemed my XXXX not under a ponzie scheme because it was theft and there was no contract binding it. However chase should not have allowed this transaction to occur regardless due to the SEC putting the company AND BANKS on notice. My transaction SHOULDNT Have occurred and since its under the control of a receivership chase is trying to deny responsibility which leaves the XXXX in thin air because theres no ponzie contract with it. Please hold chase accountable for allowing a transaction to occur when it should not have been due to SEC freezing the assets. Please have them insur the transaction so I can get my funds back, its been XXXX months in the making of the investigations. Thank you. 

P.S prompt asked me if I was sender. This is to clarify I didnt approve this transaction ever. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On approximately XX/XX/XXXX I took my vehicle a XXXX XXXX XXXX to XXXX XXXX in XXXX, IL to get an estimate of what it would cost to service my automatic transmission that was leaking transmission fluid and also to stop an oil leak that needed a rear main seal. I was given a quote of $ XXXX complete the repairs and put in the seal. It was agreed with service technician that once the transmission was moved out of the way they would install the rear main engine seal at no charge to stop the oil leak. 
On approximately XX/XX/XXXX I returned to retrieve my vehicle after being contacted to pick up the vehicle it was ready and work had been completed. When I asked to test drive my van I was told that the technician had already driven it and it was fixed. I paid the clerk/receptionist {$1000.00} cash and $ XXXX charged to my XXXX XXXX amount due after my senior discount. The following day I found oil and transmission fluid leaking on my driveway pavement from said vehicle. I contacted XXXX XXXX I was told to watch it for several days. The leak continued! On XX/XX/XXXX I took my vehicle to XXXX XXXX XXXX dealership. They found that the engine rear main seal needed replacing which XXXX XXXX agreed to do in writing. I had to pay XXXX XXXX approximately $ XXXX have this work done.

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 2022-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: VA

Complaint narrative:
SoFi froze my account due to suspected fraudulent activity. When i tried to reach out and correct, their fraud number goes straight to voicemail and I cant get a hold of anyone for 2 days now with no access to my money. I have no way of getting in touch with a SoFi employee to unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.

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