vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXXXXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even two dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MI

Complaint narrative:
On the XXXXXXXX XXXX XXXXXXXX, I went to a local XXXX XXXX. to purchase a Netspend Prepaid XXXX Card. after putting XXXX dollars into this Prepaid Card. I Opened the site netspend.com to activate my card. I got a email a while later which before I had to use my social security number which I only have access to and i was out with my family on vacation while getting this but that information is going to be useful later on. I received an email from XXXX saying they could not activate my card. so they wanted me to call the number on the back of the card i bought. after calling the number. i attempted to activate via SMS. the link failed to load and kept saying error. So i resorted to dialing actually support on the phone number. When i got a hold of a support employee for activation. they asked for these : my first name, last name, last 4 digits of the credit card. my full social security number. my birthday, my XXXX i used to activate that account, and lastly a address, they said they got the information but said they were gon na hold the activation until i sent my social security card, my birth certificate, and my state id. which i dont even have a hold of, Neither would i want to give them that information on a prepaid card with just XXXX bucks on it. so on the XXXX XXXX XXXXXXXX i called again with the permission and help of my father, they still made it a challenge and didn't a activation, they still wanted my SS card, my birth certificate and my state id. still I'm hesitant to give such a company as netspend that. one I'm new with and just wanted to use a prepaid card for virtual purchases. I intended to use my money i put into this card. not work and stress my way to earn 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 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX submitted a collection account for XXXX to my personal credit report. The account was for a Corporation for which I was not liable. Documentation was submitted which removed the collection from my credit report. 

One year later, creditor XXXX XXXX was allowed to submit the same XXXX collection to my personal account, despite the fact that my Experian already knew I was not responsible for the account. 

Experian not only did not reference the previous dispute 's documentation, but did not allow for the documentation to be easily uploaded to the case. Nor was I notified as to why the documentation which proved that I was not liable in the initial collection was no longer viable for the second creditor. I have not been given any information as to why Experian hold me liable for a corporate account despite having evidence to the contrary. I have ample documentation to prove my case but Experian would not allow me to submit it. 

How many times can a creditor add the same collection to my credit report after being successfully disputed. This is harassment.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means XXXX did not give them authorization to report this on my behalf. FCRA XXXX3 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XX/XX/2022 I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT I am attaching information directly from the US bankruptcy court that states they do NOT share or VERIFY ANY information to any 3rd parties OR credit reporting agencies.

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My XXXX credit card changed banks from XXXX to XXXX I never received notification of the change- I had always had the payments made AUTOMATICALLY by my bank- I did not realize that my automatic payments would no longer be paid ( since the bank had a different name ) I dont use that cc alot and rarely look at the bank payments since I rarely shop with it- I had no way of knowing that my payment was not made UNTIL I received a 30 days late notice- this caused my credit score to drop significantly ( LIKE XXXX POINTS ) The lateness on that one payment should not be held against me- if you look at my payments to the XXXX  card over the last 5 years they were all paid automatically except the first payment on the new card.

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 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
XXXX car rental added other fees at the airport. I was only suppose to pay taxes at counter since I paid the rest through XXXX. I even pairs toll fee since I was responsible for it with their added Fe of {$15.00} for a {$2.00} toll. But I am not paying their add ones. I disputed with my credit card and won. Now they trying other ways to get my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
Global payments is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking what's going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be locked into. They offered 6 months credit but that's it. Us not canceling ( i did ), does not justify not following up with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Marcus savings at Goldman Sachs will not allow for withdrawals. I can not access my money because now they are claiming their website is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
MBA law XX/XX/XXXX   contacted me and I asked them to validate a debt that was in reference to the letter they sent. XX/XX/XXXX   they sent this : Dear ( my name ) : We received your recent letter disputing the accuracy of the above-referenced account. We have not had sufficient time to complete our investigation of the inaccuracy. On our completion Of the investigation, we will inform you of whether our information was accurate or inaccurate. 
At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. 
XX/XX/XXXX MBA law sent Dear ( my name ) We received your dispute regarding the validity of the above-referenced accounts ). Enclosed is the verification of debt we obtained from the current creditor, XXXX XXXX XXXX. The verification is labeled " statement of account '' and sets forth the outstanding balance for services rendered by the medical provider stated above. The outstanding balance is the obligation of the responsible party for the accounts ). 
The medical provider sold the accounts ) to XXXX XXXX XXXX and removed the balance from its records. An itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} because the medical provider sold the accounts ). The balance that was purchased by XXXX XXXX XXXX is the obligation of the responsible party for the account ( s ). 
I then received a letter from XXXX  partner in XX/XX/XXXX saying i owe the same debt and it needs to be paid by XX/XX/. I was never notified anytime before XXXX about this debt. All the people whos contacting me show the same address but different numbers and different address. I have an itemized bill from a company I never had services with but it stated that I had XXXX XXXX insurance. I believe this is a fraudulent company collecting my information and using it to collect money. 

MBA law firm address : THE LAW OFFICES OF MITCHELL D. BLUHM & ASSOCIATES , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS XXXX And The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a positive balance on my credit card # XXXX. In the middle of XXXX I have called the company to have it refunded in the form of the check however when I called back on XX/XX/23 to inquire why the check has not been received I was informed that the check was never issued and the {$1000.00} positive balance is still there. 
When I requested to speak with the supervisor I got an employee named XXXX who informed me that " I am sorry that I feel the bank didn't fulfill its responsibility toward me as their customer. '' Since the issue is not my feelings but a complete breach of contract on behalf of the bank that refuses to refund my own money which belongs to me I requested to speak to a supervisor with a position of authority to address the issue. I was informed that " nobody is available '' and someone will call me at the later time. Well, nobody did. 
Here is the issue : beyond just a complete arrogance and lack of responsibility to provide any kind of customer service, the US Bank employees use talking points without understanding what they actually mean that wind up offending customers. They also provide a service in bad faith as they have no authority to address issues with the US bank holding my money against my will and instruction.

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX it was reported that I had opened a new credit account, so the credit bureaus TransUnion and XXXX reduced my credit score by XXXX points. The account was actually opened in XXXX but I hadnt used it before because it is for emergencies. I first used the account at the beginning of XXXX. After I filed a dispute with TransUnion on the XXXX and XXXX they finally changed the info of the account to indicate that I have had it since XXXX and it has always been paid off. My credit score did not reflect the change though. There should be nothing else influencing this. My score is still XXXX points from where it was even though my credit report states there have been no changes from previous months. Either my score should return to its original number or I need an explanation for the decrease.

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 2023-03-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted Citi Bank in XXXX of XXXX  to inform them that this account was fraudulent and that they were violating me as a consumer to report such information to consumer reporting agencies. I noticed that they decided to close this account because I reported it was as fraudulent but on my credit report it states its charged off. It's fraudulent why would I give them permission to report such fraudulent information on my credit report when I have not given a signed document for this account. Please stop reporting such information on all CRA 's. Where is the 1099c so I can give it to the IRS as so as possible.

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 2023-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
This loan was taken out fraudulently in XXXX I was sentenced to 4 yrs XXXX XXXX to Illinois department of corrections and didnt get released until XXXX. I spoke with merchant EDFinancial to get a validation of debt and have not received any info at all and was notified of the university as of doing bad business. I would like this removed from my credit and is so frustrating because they can not give any resolution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: WA

Complaint narrative:
On XX/XX/2023 my bank account ending in XXXX was fraudulently used for multiple transactions resulting in {$9300.00} stolen from my account. The transactions were made from a casino called XXXX in XXXX XXXX, Florida. I live in XXXX, WA and have never been to Florida personally. I immediately contacted JP Morgan Chase Bank to inform them that my account was being fraudulently used and filed a fraud claim and lock my debit card so that more money couldn't be stolen. I also checked my online banking and saw that the fraudsters were able to change my address to somewhere in Florida. I immediately changed it back and had Chase lock my online account so that nobody could make changes until I visited a Chase Bank branch in person. I also informed them that I still had my debit card and I used it that night at a local XXXX restaurant XXXX  located in XXXX, WA. I was told by Chase that they were able to make a duplicate card and used my pin number to steal the funds from my account. Unfortunately, they have denied my claim as of yesterday XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit score XX/XX/XXXX and noticed a credit card account had been opened under my name with JP Morgan Chase Bank. I immediately notified XXXX and reported it as fraudulent and went to Chase bank and informed them as well. They closed the account and told me to make the report anyways. The strangest part was that the account was opened in XXXX, which is odd because I was born in XXXX. Along with this fraudulent account their were two addresses and a phone number that did not belong to me. I have made the dispute to remove the fake forms of personal identification. It should be stated that I have not had a credit card in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Credit score has been drastically lowered by XXXX and trans union even though there is no derogatory info on credit report and last hard inquiry was from XX/XX/2022 by a company I dont know of and to my knowledge did not authorize to run my credit.

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