vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a wire transfer from my Wells Fargo bank to my XXXX XXXX account on XX/XX/XXXX. It is no XX/XX/XXXX and the wire transfer has not been received and it is not in my Wells Fargo account either. It is just missing. I filed a case with Wells Fargo on XX/XX/XXXX to find out where the wire transfer went and they still have no answer and have not credited back the wire to my account. There is just XXXX XXXX  missing and no one has an answer. I have checked with XXXX XXXX and they have not received any wire.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Lie number XXXX this morning all before XXXX but this says non monetary relief WHICH IS ABSOLUTELY WORTHLESS give me back my XXXX months of on time never late payments to XXXX but you won't because your a fraudulent company BUT ITS GETTING CLOSER

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 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX ) I asked to close my accounts with HNB in XXXX or XX/XX/XXXX. 

XXXX ) I received physical mail correspondence dated on XX/XX/XXXX that both accounts were closed. 

XXXX ) I continued to receive notices that the balances of the account were at or below XXXX. Also account were listed as open in their web portal XXXX ) I chatted with HNB  on XXXX requesting resolution of the matter and they said it would happen XXXX ) I chatted with HNB again in XXXX XXXX once and on XX/XX/XXXX and the matter is still not resolved. I XXXX have followed up once in XXXX or another time in XXXX, but am not sure, their abysmal service to me has run together. 

XXXX ) It feels as if they want to make closure as painful as possible truly an awful customer experience

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
My account was used to fraudulently purchase ~ {$2500.00} of goods at two XXXX, two XXXX XXXX, and a XXXX XXXX in XXXX, Florida on XX/XX/XXXX. Not only have never been to XXXX, Florida, I have provided proof that I had made a purchase and was working in a city XXXX miles away during those days making it physically impossible for me to be in XXXX, Florida at the same time. Discover denied the dispute and accused me of lying, stating that I used my Discover debit card and pin at those in 5 stores in XXXX, Florida. After submitting proof that I was in another city XXXX miles away at the time the purchases were made, Discover begrudgingly re-opened the dispute, however it has been over a month and Discover has made no attempt to either verify the documentation I have submitted nor reimburse funds that were stolen. I have called multiple times and at least once a week since the incident only to be told that the " investigation '' will take up to 90 days and in the order it was received. The initial " investigation '' took 3 days for them to conclude that I was lying and had purchased every last item in 4 XXXX XXXX and a XXXX. Discover has refused to provide provisional credits -- something any respectable financial company does when failing to ensure the security of customers ' accounts -- and has caused me to be late on my mortgage and other financial obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I checked my credit score XXXX, as I do nearly each day and noticed that there was a balance of {$17000.00} associated with a Barclays Bank credit card that I have never had in my possession. My credit score also dropped significantly because of this. I immediately contacted Barclays Bank. They searched my accounts and showed that there is a XXXX balance, and they didn't see a {$110000.00} charge on the other card associated with them and that which is showing up on XXXX XXXX. The card associated with this fraudulent and suspicious activity is BARCLAYS VIEW MASTERCARD. Barclays suggested that I contact my financial and reporting institutions immediately to report this, which is what I am doing at this moment.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My business account overdraft fees Charged XX/XX/year> OVERDRAFT FEE FOR A {$9.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX Fee - {$34.00} - {$1000.00} XX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$1000.00XXXX XXXX XXXX XXXXXX/XX/year> OVERDRAFT FEE FOR A {$7.00} CARD PURCHASE - DETAILS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$970.00} XX/XX/year> OVERDRAFT FEE FOR A {$470.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fee - {$34.00} - {$930.00} XX/XX/year> OVERDRAFT FEE FOR A {$16.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$910.00} XX/XX/scrub>XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$21.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$370.00} XXXX XXXX XXXX  OVERDRAFT FEE FOR A {$32.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX was the discharged amount ; this was discharged in XXXX Cavalry sold it to XXXX and XXXX which they filed a petition in XXXX XXXX XXXX on XX/XX/XXXX. I was not notified until XX/XX/XXXX and they did not give me accurate enough time to answer. This charge was charged off my credit a while back. They guy who brought the papers to my doorstep portrayed XXXX  as someone else and then gave the paperwork to my husband. This particular person I have seen before in my neighborhood did not know who he was until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXXXXXX XXXX/DEPT OF ED # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NY

Complaint narrative:
I have an inquiry on my TransUnion report from XX/XX/XXXX by XXXX that I did not authorize. 
I have reached out via mail and phone to both transunion and XXXX yet nobody has reached back out nor provided me with permissible purpose under the fair credit act 15 usc 1681b And this a violation of the privacy act of 1974 I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for the XXXX XXXX XXXX with American Express on XX/XX/2023 and was denied credit. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act. Also, when I signed that application for their services I then became an INVESTOR into the company, where they then deposited that SECURITY/APPLICATION into their trust thus gaining interest once transferred into the primary market. This would be considered securities fraud since I received NO BENEFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I have a credit card with Huntington Bank. I have submitted a request on 2 separate occasions for a credit limit increase ( XXXX & XXXX ). On both occasions, the request was declined due to " No credit score available. '' After the first event, I did not contact the company. After the second event, I contacted Huntington and was informed my information is accurate and being sent to the credit bureau ( s ) accurately. Huntington indicated that there is no hard pull for initial credit limit increases ; however, the soft pull was resulting in " no score. '' Huntington informed me to contact credit bureaus to determine if there is a freeze on my score.

I investigated each of the 3 bureaus and there is no freeze on my score. Also of note, Huntington appears to be the only organization who is not able to retrieve my score so I strongly believe the error is on their end.

This situation is impactful to me in 2 ways : I can not obtain a credit limit increase if I indeed qualify because there is no score obtained. Secondly, my credit card account may be negatively impacted by Regulation Z 1026.59 Reevaluation of rate increases of Huntington is not able to obtain a score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor there for any such debt, in fact therefore for exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis is reporting a public record to XXXX that is not correct ( Bankruptcy  XXXX ). I sent documents to LexisNexis on XX/XX/XXXX  ( case XXXX ) with a copy my police report and identity theft information to support blocking/removing the record per my right to have any information listed on the report as alleged fraud, promptly blocked so that the information can not be reported. 

On XX/XX/2024, I contacted LexisNexis Consumer center and was told the information was removed per my request and a new consumer file would be mailed to me. I received a new report dated XX/XX/2024 ( consumer # XXXX, dispute case # XXXX ) which showed the record being removed however, as of XX/XX/2024, LexisNexis is still reporting this information to XXXX and XXXX is saying they can not do anything until LexisNexis removes. LexisNexis is now telling me they have no record of my dispute and the record is now reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied again for the XXXX  credit card of the XXXX XXXX chain that is provided by Chase Bank. After a tiring and delayed verification and review process, the card was approved again on XX/XX/XXXX. 
My use of this credit card was limited to a few purchases, which have been paid in full, On XX/XX/XXXX, Chase Bank issues a letter informing me that they are going to close my credit card again for XX/XX/XXXX, without an explanation, without a reason, -Previously on XX/XX/XXXX, they closed the same card for me without any explanation and without arguments, we asked that this decision be reviewed, since we were sure that it had to be due to some error, since I am not doing anything wrong, At work I use my cards and pay my bills as are my rights -For me it was very frustrating that knowing that I don't do anything outside the law they would do something like that to me. 
XXXX XX/XX/XXXX, I received a letter from the IRS apologizing for having made the mistake of confusing me with another person who owed them money and had not paid the taxes. 
-The IRS had sent erroneous information to the banking system and I had to send a copy of said letter so that everything could be clarified. 
-I didn't send the letter to Chase , but I thought everything was clear when I received the card offer again in XXXX -I attach the letter received by the IRS certifying the error they made.

-Please request a new review of this entire case, I currently do not have any checking or savings account with Chase , I only have this XXXX  card, which I ask to keep working Regards -Credit Card number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was given a noticse and summons about a charged that was charged off my credit inXXXX it was sold to another company who filed a summons on a old case that was charged off they did not give me the paperwork until XX/XX/XXXX they filed the paperwork on XX/XX/XXXX which did not give me the proper time to answer to the notice and summons

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 2024-01-24 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an investment account with XXXX and was recently given notice that an unauthorized {$6500.00} payment was drafted out of my account. My account is overdrawn and I have been assessed many fees. Please help me. 

JPMorgan Chase Acct # XXXX Rout # XXXX XXXX XXXX XXXX XX/XX/1963 SS #. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
So last year XXXX XXXX ( owned by Bank of America ) locked my brokerage account with no notice for any reason. I have contacted customer service multiple times and the customer service assured me they would reach out to the team who handles then contact me with an update. All three times I have not received any followup communication nor any status regarding my account. Would like to resume using my account but no information on the reason for the limited access nor a solution on how to fix.

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