vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been violated by the Experian, XXXX and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with synchrony bank As well. I have already sent synchrony bank an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand Experian, Experian and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXXXXXX  The card was placed as an account on XXXXXXXX XXXX. How does that even make sense. I have pictures to prove this.

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 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX, I schedule a transfer from my Marcus Goldman Sachs ( or MGS ) ( the account with the issue ) to take place on XX/XX/XXXX for a total {$13000.00} to my XXXX XXXX  account. On Wednesday, I learned that MGS could not verify my XXXX information- which is absurd because not only you are not allowed to add a new linked bank account if it is not verified - let alone go through with a scheduled transfer, but also I did do transfers to that ( supposedly unverified ) account in the past! so the transfer did not go through. Instead of offering to transfer to my other bank account registered with them ( XXXX XXXX XXXX XXXX XXXX ), they also blocked me all access to my account telling me -as evidenced by a recorded call, that my access has been restricted. This is the money I set aside to pay my taxes, which I am having an issue doing. TO add to my stress, no transaction is showing up in my dashboard after XX/XX/XXXX, including withdrawals by my credit cards, vehicle payments, or money coming in such as XXXX from my Employer, which took place on Friday. Since this bank does not have a physical presence ( only online ) effectively I dont have access to my money. In the screenshot attached, you can see that no transaction is shown after XX/XX/XXXX ( although there should be several, as described ), with the exception of another attempted transfer that I initiated today but which did not effect yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS 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 explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX rejecting this response because : clearly my FCRA rights has been violated and compromised. Ive clearly outlined each violation this need to be deleted immediately. This was deleted and now added back on my trans Union consumer report again as of XX/XX/23 I want this deleted again permanently this has been deleted from XXXX and trans Union and Ive sent proof of this as well so this need to be deleted from TransUnion and XXXX as well. 
How is it one consumer reporting agency follow FCRA and the other does not??

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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1. Wire of {$4500.00} sent on XX/XX/XXXX, recipient did not receive wire. 
2. Claim filed on XX/XX/XXXXXXXX  with Wells Fargo. 

I called Wells Fargo weekly and bank kept saying they're researching the status of claim. 
Today XX/XX/XXXXXXXX  I called bank again and they stated that recipient bank received the wire on XX/XX/XXXX and closed my claim!!! 

That IS INCORRECT. My vendor NEVER received the wire. So bank has to open a new claim for me. I've been a customer since XXXX and have sent many wires. This is unacceptable business practice. Over the course of 2 months, Wells kept telling me someone will call me to update me with status. NO ONE calls you back. I have to call and be transferred multiple times before anyone would look into my claim. 

This process is broken and I'm so frustrated!!!!

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regarding the debit card account, for Capital One, the website says, " No fees to open, keep & use '' & " There are no fees to open, keep or use your Capital One 360 Checking account, or for foreign transactions fee. '' I recently used my debit card to withdrawal money from ATM, and the looking at my statement I seeing fee amounts for each withdraw. 6 withdrawals ranging from XX/XX/XXXX to XX/XX/XXXX. 

( see attachments ) Fees totaling : {$30.00} I called capital one asking them to uphold their original statements from the website and they refused. 

I am considering closing this account because of this unprofessionalism and shady practices by Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 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: MA

Complaint narrative:
This is not accurate. 
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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon arriving home after a month of traveling, I found a notice from the XXXX XXXX XXXX XXXX congratulating me on the {$27000.00} loan I took out. I thought it a joke or some marketing scam and threw out the notice. A few days later I received a " Payment Book '' from XXXX for 36 months of payments at {$890.00}. This was surprising and I called the company to find out what they were doing and why this was happening. I DID NOT take out such a loan. They claimed they understood there had been a fraud situation and I received the only digital communication they have so far offered acknowledging our communication ( this was on XX/XX/XXXX ). Somewhere in the phone conversation I had a representative acknowledged that they had caught and stopped this transaction prior to my communication with them. It seemed the problem would be resolved shortly. 

It wasn't. I began receiving late payment notices 6 weeks later and continue to receive them. Needless to say this is having an impact on my credit rating. I spoke to company representatives nearly a month ago and they acknowledged my past communications and claimed their fraud unit would get things taken care of in 30 days. I noted that I was told that nearly two months prior and asked to speak to fraud staff. I got the run around on several requests. Furthermore, I asked why I could not receive something in writing regarding the problem and an acknowledgement and apology from the company for their error in issuing a loan under my name fraudulently. I also asked specifically for an explanation of how all of this transpired since I was never contacted about said loan. They gave me no satisfactory explanation, nor did they issue an email or letter acknowledging the problem they had created for me. I know nothing about the legitimacy of the XXXX XXXX XXXX XXXX, however, they have not been forthcoming or communicative about a problem they created due lack of checks and balances in their system and it is now a problem for me that I have spent far too much time trying to handle.

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 2023-09-18 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: U.S. BANCORP
State: VA

Complaint narrative:
While I have been in the process of getting qualified to purchase my home, an account was brought to my attention by a XXXX XXXX that was showing on my credit report. 

The account was added in XXXXXXXX XXXX XXXX without my knowledge or consent. In fact, the individual who added me as an XXXX XXXX onto this account has received XXXX XXXX requesting the exact opposite. In fact, I have recently initiated XXXX XXXX  against the individual for other reasons. 

The company, Elan Financial Services, was contacted by me on XXXX  XX/XX/XXXX. I requested access to be able to view the account XXXX through XXXX XXXX and the representative would not give me access. I am not sure why I was unable to receive this access upon review of the full policy and terms of agreement for the XXXX XXXX XXXX, I should have been able to request access or information. 

This has been taxing my report heavily, showing I am XXXX XXXXXXXX in debt that is not mine. Please expedite and investigate this matter to the fullest extent.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. XXXX XXXX XXXX has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Obtained mortgage on XX/XX/XXXX from XXXX XXXX XXXX. They sold loan to XXXX on XX/XX/XXXX. XXXX assigned servicing to XXXX XXXX XXXX on XX/XX/XXXX. Now they assigned servicing to Mr. Cooper effective XX/XX/XXXX. I issued check XXXX  XXXX on XX/XX/XXXX to Mr. Cooper. Apparently, the check has not been processed ( under the prompt crediting rule ) On XX/XX/XXXX, received call from Mr. Cooper Loans ( XXXX ). Voice message stated this is Mr. Cooper debt collection. Call XXXX within XXXX XXXX must use personal code : XXXX XXXX. 
On XX/XX/XXXX, received the above same message new code XXXX. 
On XX/XX/XXXX, called Mr. Cooper and spoke to XXXX XXXX about above. She stated their records does not show receipt of payment. I advised mail had not been returned so they are in receipt of payment but have not processed. Her only advised was to contact my bank! ( What would that accomplish if they failed to process check? ) I have never had XXXX XXXXXXXX calling me and do not want this to continue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I sent money using the business choice to get goods from an online store never received the goods and have not been able to get in contact with the merchant since XXXX. I sent {$480.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My problem originated in XX/XX/XXXXXXXX  when my Chase credit card number was changed due to an unrelated fraud incident. This resulted in multple " purchases '' and " refunds '' to my credit card statements. I have made several attempts to reconcile this problem with Chase customer Service representatives without success. Most recenly, I talked with XXXX on XX/XX/XXXXXXXX  and XXXX on XX/XX/XXXX. 

In summary, I made two donations to XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXXXXXX  for a total donation of {$2000.00}. The problem is that my charge statements reflect a total charge of {$3000.00}. The Foundation sent me backup data in XXXX to document that they had only received a total of {$2000.00}. Therefore, there is a discrepency of {$1000.00} that is owed to me by Chase. 

I have sent all the relevant informaton to Chase several times without success. Most recently, I resent a letter ( XX/XX/XXXXXXXX  ) with documentation illustrating that I had been charged {$3000.00} for the foundation and that the foundation had only received {$2000.00}. 

I have been unable to get Chase to address this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit 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: WA

Complaint narrative:
I have attempted to resolve a dispute with Bank of America numerous times for a fraudulent transaction charged to my Visa card on XX/XX/2023. The transaction was a " Coerced debt '' charge initiated by XXXX in XXXX, XXXX in the amount of {$1400.00}. My son and his friend were enticed into a club by the promise of a {$30.00} cover charge that included their drinks. When attempting to leave, the staff indicated they owed {$1400.00} to which they vehemently disagreed. At that time, my son 's friend was assaulted and physically removed from the establishment. My son, XXXX was then threatened with a baseball bat, and told if he didn't produce a credit card, he would be assaulted as well. In fear for his life, my son gave them his credit card. The staff refused to give him a copy of a bill and he didn't sign the charge slip. My dispute was denied by Bank of America. They refused to request the detailed bill or the signed charge slip from the merchant. This was clearly a scam and this charge was coerced through the threat of violence.

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 2023-09-18 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: FL

Complaint narrative:
I have been violated by the XXXX, XXXX and Trans Union reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and Trans Union to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been violated by the XXXX, Equifax and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CO

Complaint narrative:
There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.

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