vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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: U.S. BANCORP
State: GA

Complaint narrative:
I notified the credit card companies after I found out about fraudulent charges on my credit card account. Upon notifying them, they ignored me and continued to pursue collection practices on charges that I did not make. Instead of investigating they continued to try to collect. I would like to pursue them for damages and having a negative reporting history to my credit reports.

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 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have never been in contract with XXXX XXXX XXXX they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2022 I was contacted by someone calling from Wells Fargo Customer Service. It appeared as the correct number, but was a scammer. I had just applied for a personal loan a few moments before, so I answered thinking it may have something to do with that. The person on the other end told me that they were calling from Wells Fargo because someone had tried to send themselves money from my checking account through XXXX. He said that WF can't interfere with a XXXX transaction, but that if I created an account and sent the money back to myself, it would reverse the transaction. I did so twice, first sending {$1000.00} and then {$440.00}. I want to be clear that the only information I entered when making this transaction was my OWN name and phone number. The attached bank document will show that I sent the money to myself ( or so I thought ). I never authorized a transaction to send to an outside account or any other person, therefore making this FRAUD, not an authorized transaction as WF is claiming. About ten minutes after hanging up, I realized something was strange and called WF to report the incident. After waiting the recommended ten days, I still had heard nothing so I called them and was told my case had been closed ( without notification to myself ) and that the bank said there was nothing they could do since I authorized the transaction. Again, I do not feel that I authorized this transaction as I thought I was simply sending money to my own account. I was told that they have no way of knowing if I was complicit in the fraud ; but if they suspect something like that, why did they approve me for a personal loan of $ XXXX? I plan on closing my accounts ( I've already closed my savings account ) and moving my money to a credit union. I've also been interviewed by a local news station regarding this matter.

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 2022-01-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. They need to take this complaint seriously or I will have no choice but to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
To whom it may concern on Friday XX/XX/XXXX I picked up a check from a company that I do XXXX  work. It was for XXXX dollars. I went to servifirst bank to cash the check and pay my XXXX as I have done every Friday for almost 2 years. I was not on the jobsite for the week of the XX/XX/XXXX through the XXXX due to being at home XXXX with XXXX. On Friday XX/XX/XXXX when it was time for me to pick up my payroll check to pay my subs from the company I have been doing work for, I was informed that they received a call form XXXX at that back and I had left with an extra XXXX dollars and that if I did not go into the bank and pay the XXXX back that day that I would be arrested and that other bank employees would lose their jobs. The called the company that I worked for and told them that I had knowingly left with the money. I counted my money twice and even though the teller had given me an extra XXXX you clearly see me push the money back over to him and tell him there was too much money. I left the bank with the exact amount of the check that had been written to me by peridiso minus the XXXX  dollar check cashing fee. When I went into the bank on the XXXX they told me that I could only see partial footage and for anything more I would need a suponea but they let the companys owner I sub for be present. I along with XXXX of my employees are now out of a job due to this. Please tell me how I can get this resolved and get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Collection account was created fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : 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 Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-01-24 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:
I have included a PDF letter listing all errors or wrong accounts on my credit report.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/XXXX, a Balance Transfer was initiated on my Citi ThankYou Preferred Credit Card account ending in XXXX. The total amount was {$2500.00}. I never completed a balance transfer and this is a fraudulent charge. 

I called Citi on XX/XX/XXXX and have been unable to receive a response back on this. They opened a new Citi ThankYou Preferred Credit Card ending in XXXX and this card has the exact same fraudulent bank transfer transaction on it. The online Citi application does not allow me to report this charge as fraudulent. 

The balance transfer is to an account ending in XXXX but I do not have an account that ends in these numbers. 

I have been given the number XXXX to call Citi. I have called on XX/XX/XXXX and XX/XX/XXXX and have been unable to talk to an associate about this fraudulent bank transfer.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUNION IS REPORTING THAT I HAVE A VERY FAIR INSURANCE SCORE STATUS WHEN MY CREDIT SCORE IS OVER XXXX WHICH SHOULD BE EXCELLENT I ATTEMPTED TO FIND OUT WHAT IS CAUSING THIS PROBLEM AND LISTENED TO HOLD MUSIC FOR AN HOUR AND WAS THEN DISCONNECTED THIS HAPPENED 3 TIMES ALTHOUGH THE TAPE SAID MY CALL WAS IMPORTANT I REALIZE THAT IT OBVIOUSLY WAS NOT. I AM IN THE XXXX  XXXX  AND THIS SCORE IS DETRIMENTAL TO MY PREMIUM IT SEEMS TO A SUBSTANTIAL AMOUNT. I UNDERSTAND THE NEED FOR UNDERWRITING BUT THE SYSTEM USED BY INSURANCE COMPANIES IS OUT OF CONTROL. ESPECIALLY WHEN ATTEMPTING TO GET A CORRECTION OR FIND OUT WHAT IS CAUSING THE PROBLEM IS ALMOST IMPOSSIBLE. IT IS AN ABUSE OF THE SYSTEM WHEN IT IS USED THIS WAY AND YOU CAN NOT DO ANYTHING TO CORRECT IT. PLEASE ADVISE ME AN APPROPRIATE WAY TH PROCEED. 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 explanation
Consumer complaint received 2022-01-24 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: DISCOVER BANK
State: WA

Complaint narrative:
We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). 
My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Direct Mortgage Loans, LLC
State: IN

Complaint narrative:
Direct Mortgage was the Very First Company that I Reached out to in Early XXXX when my Credit Score was Above XXXX. My Lowest of the 3 Scores was approximately XXXX. I applied to 1 Other Mortgage company within a Month to compare notes and rates. I am an XXXXXXXX XXXX  Veteran who's Never taken out a Mortgage and was looking to purchase my first home under the V.A program. Direct Mortgage gave me a Qualification letter for XXXX but the V.A never provided my Certificate of eligibility which I am Still trying to acquire. The House that initially led to my inquiry only accepted Conventional loans, so after almost 2 months of not finding anything inexpensive enough and to my liking, I decided to forgo my V.A Loan and asked Direct Mortgage if they could Pre-approve me for a Conventional loan in the amount of XXXX ( Half the amount of my Pre-qualification ) They denied my request because they said my Credit Score was not high enough. The Lowest or even Average of my 3 Scores were Still Above the XXXX minimum even by at least XXXX points. XXXX XXXX whom I spoke with could not give me any other reason for my denial, other than that my score did not meet their requirements. I find it astonishing that a company who was quick to prequalify me for XXXX would Deny my for Half the same amount even though my Score was Above the Required Minimum. In Summary, this whole ordeal has not only left me with a lower credit score, but I am all too familiar with the Unspoken tactics of Discrimination. As an XXXXXXXX XXXX Veteran who's Served my Country, not only did I risk my Life for the Freedoms many take for Granted, but I am also a Tax payer who's dollars went to Bail out these Same institutions who Discriminate against the Very same Americans who has invested So much into this country. I not only find it distasteful and disheartening, but Outrageous and Disgraceful at How their Conversation and communications changed after I sought Pre approval for a Conventional Loan. Institutions like this who are Not willing to Loan even Safe amounts to Citizens who are capable of paying should not be allowed to do business. a Home is an Amercan 's 1st and Biggest investment, and to be Denied, despite being able to pay financially and with a passable credit score has reawakened why I haven't sought home ownership in years past. It's because I've seen and experienced this SAME KIND of Discrimination. Almost ALWAYS Hidden and Discreet. Polite speech with even apologetic words, but always with the same results, because there is No accountability for their Actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank and its sidekick XXXX are once again giving us problems and harassment as well as a complete and total lack of good customer service. For example, they can not or will not tell us if a client check that previously bounced to their lack of funds, was ever credited when the check was re-deposited. It seems to have merely " disappeared '' and even though we have emailed no less than 5 TD Bank Reps, no one has either returned our inquiries or has an answer for us. Second, we responded to a {$300.00} credit card chargeback more than 2 weeks ago supplying all written/documentary proof that the charge was authorized, signed for, goods/services/product received, but these idiots still have not returned the money that they stole from our TD Bank Account. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NY

Complaint narrative:
On XX/XX/XXXX I requested that Chase Bank pay my rent via their online payment services by mailing the check to my Management Company. 
The check was not received by the landlord. 
Chase Bank credited my account for the full amount while they investigated. 
I reissued a new check for the full amount. 

Upon review I saw that the original check had in fact been cashed, however it was not endorsed and therefore should never have been allowed to have funds released against it. It was also made out by CHASE to the landlord corporate account. 

Chase then sent me an email on XX/XX/XXXX saying that they had finished their investigation and that the check had been issued as per my instructions!! This is absurd. My rent was NOT paid to my landlord as instructed. Chase then reversed the credit and DEDUCTED the full amount from my account. 

I submitted another complaint and I am now told after hours of phone calls, Chase visits to the local branch and major anxiety that the check was cashed by a XXXX XXXX and that CHASE had released the funds to XXXXXXXX XXXX I in turn must wait 30 - 90 days while Chase request that XXXX XXXX reimburse them the full amount and only then can I get my money back from Chase. 

I told the representative that I don't understand why am I out of pocket because of fraud that has been allowed to be committed by TWO banks ... XXXX XXXX and Chase both banks allowed an UNENDORSED check to slip through their systems and yet I am the only person who is paying for the mistake. 

I have been blown off by the bank, ignored and frustrated by their lack of customer service and understanding in this matter. They even refused to credit my account again until they recoup the money from XXXX XXXX as they tell me this is a different kind of claim from the initial claim. Even though NONE of this is my doing. 

I really hope that they are hold accountable for the fraud committed with their help. 

I am at a loss. 

I hope you can help me recover my months rent asap. 

I am interested to see if anyone else has been put in this position. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had applied for an XXXX XXXX XXXX credit card. I was denied my own credit based on my credit portfolio. I was relying on this credit card for emergency purposes while we are going through a pandemic when my kids and myself are getting sent home from work and me having to leave work to get my XXXX  kids from school/daycare to continue to shelter and feed my kids and myself. This is a violation of 15 u.s code 1681M.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a prepaid XXXX card, i wanted to try it. The worst card there ever was. First of all, it took them over two months to set the card up, then I would charge something and pay the balance due, it took them a month to credit the funds back to the account. So, in XXXX of 2021 I told them to close out the account, I owed {$45.00}, I called to close out the account and I said I could make the payment, the agent said they would reduce the {$45.00} from the {$100.00} security deposit, i said fine. Here it is the end of XXXX, I called to see where my refund of {$54.00} and they said nope you don't receive that back. 
All I can say is fraud, simple as that. Never would I recommend anything prepaid, I thought it would be a good idea for my niece, XXXX no. Whoever created this card needs to be put out its misery.

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