vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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: LEXISNEXIS
State: NC

Complaint narrative:
In XX/XX/XXXX I sent a certified letter to LexisNexis to verify the process in which they verified a Bankruptcy on my credit report but I never got a response. In XXXX I filed a complaint asking for the method of verification on which they verified a bankruptcy on my credit report. LexisNexis responded this time stating that they used XXXX to verify my Bankruptcy and they linked it to my address and social security number. The explanation they provided me was false and inaccurate as they stated they verified a Chapter XXXX  Bankruptcy filed on XX/XX/XXXX and was discharged on XX/XX/XXXX. They also claim to have verified the address which I have never lived at. Everything they claimed to have verified was false and inaccurate and they have been providing XXXX/XXXX/XXXX  with false information when they provide them with verification information as they are the third party used to verify public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
I use Chime aka XXXX. My card was fraudulent used and once the charges settled I filed a dispute through the app because it seemed simple enough and its like pulling teeth to try to get through to talk to anybody for their customer service. I filed the dispute in the app and nobody ever contacted me or anything when I contacted him through the chat in the app to get an update they told me that I didnt get a provisional credit because I did not submit the required document when I asked them to send me the document so I could see what it was and fill it out its the same exact information that they have you fill out for the dispute itself, after finally getting a reasoning as to why I had to fill out the same exact form I filled it out and sent it in a confirmation that they received it yet I still have not received my credit which is now causing issues with other companies that I owe money to because I have auto pay set up through the account and routing number in the account is in the negative because of the fraudulent charges so these accounts that are trying to take money to pay my bills cant take it and I being charged additional fees for them not being able to pull the money and late fees Ive reached out to Chime several times and they all keep sending me back the same script a automated response nobody has contacted me through the chat over the phone via email or anything other than descriptive responses in the chat and I dont feel like Im getting anywhere with this whole process and its now causing me issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: IL

Complaint narrative:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This was a time share. We hired someone to give it back to them due to the fact that we were lied to and stolen from. We were treated very rough when. We had a meeting with them and we wouldnt give them more money about buy more of the time share. This has been going on 6 years and it needs to be removed as this was closed and charged off in XXXX as you can see they only reported on XX/XX/XXXX no other times There are some many factual inaccuracies on here that they have violated the fcra all the way around. The dates are inconsistent the reporting is inconsistent the balance is inconsistent. It has been reported as almost therefore they have collected insurance on this and they are owed nothing from me. Please remove at once thanks

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
CareCredit sold a debt that I did not authorize nor did I make the charge on the CareCredit credit card. 
The unauthorized and or fraud transaction was in the amount of {$2000.00}. 

I refuse to pay for something I didn't authorize nor did I make, nor did I benefit from. 

CareCredit sold the debt to XXXX XXXX XXXX in the amount of {$3000.00}. 

XXXX XXXX XXXX is reporting to the credit bureaus as a collection.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim with Bank of America Prepaid card services on XX/XX/2021. After sending in requested documents ( 2 forms or Identification ; police report ) and soeaking to multiple representives. My claim for the amount of XXXX was denied. The claim was originally denied XX/XX/2021. Since the date previously stated the claim has been reconsidered 3-4 times. The " investigation '' apparently founded that I am liable for the chages because the card that was issued to me was used for the transactions. I told the bank that I never recived that card. The information they had in my account as to where the card was to be sent was incorrect. I have never been assosicated to the address that they sent the card to. Also, there has been an arrest and conviction in regards to these fraudulent charges.

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 2021-10-10 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: DISCOVER BANK
State: MN

Complaint narrative:
Discover 's fraud department had credited {$3900.00} during the monthly statement of XX/XX/XXXX- XX/XX/XXXX. 
The balance as of todays date still does not reflect the credit for the fraud and or unauthorized transactions. 
We refuse to pay for transactions that were not authorized by us, nor made by us and never benefited from those fraud and or unauthorized transactions. 
The Discover account needs to be properly credited from those fraud and or unauthorized transactions plus any fees associated with those transactions and any interest that Discover had applied. 
I've contacted the fraud department several times and even 6 years later, the dispute has not been fully resolved. 
The most recent contact with Discover was in XXXX XXXX. I spoke with XXXX in the Discover Charge Off Department explaining that the entire balance Due is of Fraud and or Unauthorized charges/transactions. 
I explained to XXXX that the fraud department has been negligent to properly credit all fraud and or unauthorized transactions. That I have been dealing with the fraud department for years and will no longer contact them since they aren't doing their job. 
I also explained that we will not pay for any charges/transactions that we did not authorize, nor make and most certainly didn't benefit from. 
As of XX/XX/XXXX, there has been absolutely no contact from Discover from my call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
In XXXX of 2021 we received a new mortgage statement from Flagstar bank that our mortgage would be increased from {$1900.00} to {$2300.00} beginning in XXXX of 2021. They claimed this was due to a shortage in escrow in the amount of {$2000.00}. After submitting the attached documents to Flagstar providing documentation that the amount has indeed been paid by the title company and several phone conversations, the problem was not resolved and we have paid the unnecessary overages for 5 months now and would like to have that overage returned.

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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hello. 

On XX/XX/XXXX I was a victim of Identity theft. Someone got into my e-mail address and my XXXX account, and through that got into my Gemini.com account. I caught the problem within 20 minutes and got control of my e-mail back, but the thief had changed the e-mail address on my Gemini account. I have the e-mail trail of this which means I can identify the e-mail address the thief changed it to as well. 

I tried to contact gemini through several avenues including XXXX, e-mail and through their website help section. That last one got a response. I got an e-mail telling me to change my password and asking a few basic questions. I told them I could not change my password as I was locked out of my account because someone hacked it and changed the info on it. They then told me they were temporarily locking my account and would escalate this to " another team ''. I asked them how long that would take to no response. I asked them for any timetable at all to no response. I asked them if I had a support ticket number to no response. They have completely stopped responding to me. 

So then I turned to XXXX and messaged @ Gemini on Friday XX/XX/XXXX. I told them all of the above. The XXXX account told me it would be escalated to " Customer support '' and someone would contact me soon. I asked how long soon may be to no response. I asked if that meant today to no response. I asked the next day the same thing to no response. I asked again today to no response as of yet. 

I have even tried this morning messaging one of their mods on XXXX to no response yet. I do not want to wait months for this account to be unlocked and returned to me. I have screenshots of all of this if you need it but it says right now not to include personal information and it has my e-mail addresses and so on in them. I can provide them if you want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dep Of XXXX : Inaccurately, inconsistently, and unfairly reporting. Additionally, Transunion, XXXX, XXXX are parroting inaccurate information. 

XXXX : Is inaccurately reporting OLDER DERAGETORY EVENTS on my consumer reports. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all being reported as 90 days late in a 30 day period. This is mathematically impossible to report 90 days late in a 30 day period. This is a clear FCRA violation and Metro 2 violation. 
I want this inaccurate, inconsistent reporting deleted from my consumer file. It is costing me much pain and anguish and costing me higher interest, and loan denials. 

TransUnion : Is inaccurately, inconsistently, and unfairly reporting on my OLDER DERAGETORY EVENTS on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; all are being reported as 90 day late in a 30 day period. This is impossible. there are no 30, 60, day 's late being reported.

This is a clear FCRA violation and Metro 2 violation.

I want this inaccurate, inconsistent reporting deleted from my consumer file. This reporting is costing me much pain and anguish and costing me higher interest, and loan denials. 
XXXX : Is inaccurately, inconsistently, and unfairly reporting my OLDER DERAGETORY EVENTS, on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, is reporting 90 days late in a 30 day period. There is no 30, 60 day, sequence, this is inaccurate and inconsistent reporting. Please delete : XX/XX/XXXX, XX/XX/XXXX from my consumer file, this is costing my pain and anguish, my XXXX XXXX is high due to higher interest rates and credit denials, I have received due to this inaccurate reporting.

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 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit on XX/XX/XXXX. 
I usually get access the next business day. 
This time some of the funds were held. 
While I was making deposit no warning of a hold was indicated. 
When I received my receipt they informed me of the hold. 
I could not get the checks back from the ATM. 
I checked 2 days later with the makers of the checks and they said the money was out of their account. 
I checked with a teller and he said he or the manager could do nothing. 
I called the only number they give and the person said it was the law that they have to hold the funds. 
I was informed before conversation it was being recorded. Recording should be available. 
Here it is 6 days later and my account is charged {$38.00} overdraft and they are still holding {$5700.00}. 
This is the second time they have done this. 
Last time they held funds 10 days and said confidential source said checks would not clear. Again the checks cleared makers account within 48 hours. 
All deposited funds were local banks.

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 2021-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX Trans Union received an identity theft report sent by me informing them of an account XXXX being fraudulent persuant to XXXX XXXX XXXX XXXX ( a ) - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report today is currently the XXXX of XXXX and the account has still not been blocked

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 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This is my second complaint against Wells Fargo. I tried to perform a wire transfer to XXXX on XX/XX/2021. I received a call later that day from the fraud department stating they called the sender and she told them the wire was fraudulent and she was going to recall the wire. And my account was being closed. The wire has never been recalled. Wells Fargo received a call from the sending bank and the sending bank told them the wire was not fraudulent. Wells Fargo told them they realized the wire was not fraudulent but they had " issues '' with me. The owner of the company who sent wire reached out to Wells Fargo and told them the wire was not fraudulent. Wells Fargo told his attorneys they had " issues '' with me. I was sent a letter by an XXXX XXXX asking did I dispute what the sender initially said about the wire. I went into the branch I normally do business and disputed what the sender said. I provide supporting documentation on this transaction and other transactions prior to any funds going into my account.

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 2021-10-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
SOMEONE USED MY VISA CREDIT CARD WITHOUT MY PERMISSION. I DONT KNOW WHO IT WAS, THE BANK TOLD ME THAT I GAVE THEM PERMISSION TO USE THE CARD, I HAD XXXX LIMIT ON MY CARD WHOEVER THEY WERE CHARGE XXXX on my card. And I am so worried that I will have to pay for this. Please help me resolve this problem.

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 2021-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After 23 Disputes to Equifax, Identity theft reports to this bureau, as well as XXXX XXXX official documentation, and consumer statements posted to my credit file, Equifax refuses to by law, correct my credit file, and stop allowing fraudulent reporting to my credit file. After numerous phone calls, documentation of every single detail, identity theft action taken, proper notification, and supporting documents given to Equifax directly, They continue to allow fraudulent information, by one specific company ( XXXX XXXX XXXX ) report this information to my credit file. This has forced me to hire an attorney, and file for bankruptcy which has still after 4 years not solved this issue. This is a violation of the law concerning the Fair Credit Reporting Act which gives me the right to an accurate credit report. All federal Agencies have been notified of this issue, and are investigating which I am hoping will help. This has cause years of difficulty, finding a place to live for myself, and my family. It is an injustice.

Company response to consumer: Closed with explanation