vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on my consumer 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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Reference XXXX Subject : Unauthorized transactions in the about of {$200.00} and {$100.00} within XXXX minutes apart of each other. 

Important note : If you need me to file a police report I can do that. I would like to press charges against the person with $ XXXX low down XXXX ( $ XXXX ). How can the XXXX Police get in contact with you to obtain more information so they can located/charge this person as an accessory to a crime. 

Question XXXX XXXX XXXX | $ XXXX | XXXX | XXXX Question XXXX {$200.00} to low down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX | {$100.00} to Low Down XXXX ( $ XXXX ) on Wednesday, XX/XX/XXXX at XXXX Question XXXX I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down with out my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 
I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 
Question XXXX No Question XXXX XXXX XXXX XXXX Stylus Question XXXX XXXX, Illinois Question 7 No, I did not. 
Question 8 I do not think I had setup. I was not aware that I could setup a pin for performing transactions. I will definitely be setting this up ASAP. 
Question 9 & 10 Yes, I have possession of my device but a so called associate had used my phone when I closed with out my knowledge and permission to steal money by sending it to someone they know. 
I do not know this person called low down XXXX ( $ XXXX ), nor is this person in my contacts. I did not authorize this, and it was down without my knowledge and consent. If you look at my history over for the year 2022 you see that I only send money to people, I have listed in my contacts. I will file a complaint with the Consumer Financial Protection Bureau about this. Also, I you would like me to file a police report about this issue I have no problem doing this. 


Important Note : I am an XXXX XXXX Veteran I have no reason to lie about this. I just want and need my money back ASAP as it is XXXX and I have to buy food and things for my kids. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Last month I had an issue with this company. To help me get my payment made in time I sent my check ( only 1 this time ) registered with the US mail. The payment was suspiciously posted in plenty of time to make their deadline to avoid interest charges. I paid my legitimate charges plus their bogus interest charges. 

This month, though, they posted a payment of {$80.00}, which I did not make. I did not send a check for {$80.00} to them & I now show a credit on my account. 

I have not heard from the credit card company to date from last month 's complaint. There is a note on my original complaint that they are looking into it. 

Capital One has an internal problem with posting payments & they need to correct it. It has caused me a lot of time & frustration. I have paid my XXXX bill in full for many years on a monthly basis & now lose my credit score because of a company that will not listen to us when we call or follow up on complaints with the consumerfinance.gov.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. On XX/XX/2022 I received an email from Bank of America that I will be receiving a replacement credit card ending in XXXX for my card that will soon expire. 
2. On XXXX XXXX, 2022 I received a text from BofA, while at work, asking if I made a purchase for {$1000.00} from XXXX XXXX XXXX I replied NO. I also verified if this was a legitimate text message and checked my BofA mobile app. 
3. I immediately contacted BofA via phone and talked to customer service. At that time I have not realized that the replacement card they sent me via XXXX was stolen. When asked I honestly told them that I still have the card with me. Person did not asked if I received the replacement card which I have not. He had the XXXX card deactivated and said they'll send a 2nd replacement card. Numerous calls made and I found out that the replacement card is already activated when shipped. Previous cards I received from them has a sticker that says call this number to acrivate card. 
4. I received an email stating that I'll receive a card with a new account number and this time with a tracking number. I received 2nd replacement card via XXXX XXXX XXXX XXXX. 
5. On the 2nd replacement cards I received it have stickers that says " Ready for use ''. 
6. I regularly call BofA fraud claim, I told them that I did not made the purchase in XXXX store on XX/XX/2022. I did not authorize anyone to use it on that day. 
7. I received an email from Bof A on XX/XX/2022. It says it rejected my claim and I'm on the accountable for the purchase since it was made using my card, pin was entered and signature made. 
8. On my credit cards with BofA I'm not required to enter a pin, sign or show my identification when making purchase. 
9 As of today I have not received the 1st replacement credit 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 monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My wallet was stolen around XX/XX/2022 Made a XXXX $ claim the bank denied the claim and closed the case unpaid showing that it was paid. Want to collect my funds.

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
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )

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 2022-12-12 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: NY

Complaint narrative:
I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX XXXX  Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( XXXX ) to be in error : Previous Address ( es )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CDA-Certificate of Deposit, Passbook Account XXXX XXXX, XXXX was bought by Wells Fargo. My mother Died on XX/XX/2018. I believe the account was never closed. I contacted Wells Fargo to collect the funds and they have been stone walling me and say that they don't have the account. They have basically stolen the funds from my family. I have talked to a dozen people at Wells Fargo. They say they will call me back the next day and Never do. They lie and say they are doing things to find out the documentation but Never do! I have set up multiple case numbers for them to find out what happened. The latest was XXXX # XXXX. The last gentleman I talked to said his boss told him to tell me my next step would be to sue them. They have stolen at least {$15000.00} I need your help with this Horrible so called bank Wells Fargo! My name is XXXX XXXX, XXXX, XXXX. I am the son of XXXX XXXX. I am listed as a XXXX on the account.I am the XXXX of the will. Wells Fargo refuses to pay out the passbook savings account! The Criminals Wells Fargo sent the CFPB a cover their but letter that said NOTHING and for some reason the CFPB closed the review. This needs to be OPENED and the Wells Fargo CRIMINALS need to be brought to Justice Now! 
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 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filling a complaint with Target Red Card. I have been a client since 2014 and I have always paid my bill on a timely manner. If I am using my bank account to pay my bill on or before the due date it is out of my control if it's late. Also If I make a payment in the store and it does not go through on the date it's due that is out of my control also. This has happened more than once and I have to keep calling them to remind them of this situation but they still consider it a late fee. They also did not correct or credit all my returns from last year and this year back to my credit card. I should have at least {$1000.00} on my credit including all the payments I made. Everytime I call them about this situation or problem they are rude and disrespectful and do not want to correct the problem they made on my account they hang up on me when I asked to speak to a supervisor and sometimes the supervisor is rude and hangs up to. I would like them to credit all the returns and fix my available credit on my credit card. They know they screwed up on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute threw the CFPB asking XXXX, TransUnion, and XXXX to investigate my accounts. According to XXXX XXXX XXXX - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. 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 2022-12-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute threw the CFPB asking XXXX, XXXX, and Equifax to investigate my accounts. According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX  whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my XXXX XXXX, pay for XXXX  or for XXXX on my own because of Chime will not give me access to my XXXX money. 

On XX/XX/2022, I opened an account with Chime XXXX XXXX. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. 

On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my XXXX XXXX XXXX XXXX XXXX after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed XXXX conference calls to Chime customer service to have this issue resolved. 

Please, Please help me get my money back. This XXXX  has been delaying the XXXX XXXX XXXX that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
an inquiry for XXXX for JPMCB Card services this was done without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: VT

Complaint narrative:
There has never been a missed payment on this card, but on 3 separate occasions First progress has dinged my credit for 30 day lates. Now I can not use my card even though there is available balance, and a recent payment. When I called the company they said its because of a missed payment, but even there online service shows the made payment and the customer service agent can't figure out why my card was being declined. My understanding is this is not a legitimate or legal procedure I asked to close the account and they stated it would take 14 weeks to do that, they will not let me talk to anyone else at the company, nor transfer me to a legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello this is XXXX XXXX and my account is locked and ive tried multiple times to get it unlocked to no prevail. 

My account was locked after i deposited XXXX in cash into the atm and im requesting my account be closed and a cashiers check mailed to me. ive had an awful experience with this bank and its support and fraud team not being helpful at all.

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 2022-12-12 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: U.S. BANCORP
State: FL

Complaint narrative:
This account is not mine. I never prove her concert for this account to be open.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION has made false statements and caused harm to my personal reputation which is a defamation of character.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I received what i believe to be a fraudulent extraction of funds from citizens who may be receiving funds from the future California tax relief program. They appear to be acting as part of the state program, but they are clearly NOT. The verbage is intentionally confusing, misleading and an attempt at fraud. They will pull the funds from the state on behalf of residents that are owed, earn interest and most likely charge a fee.

Company response to consumer: Closed with explanation