vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
Fraudulent Charges first appeared the statement I received for XXXX XXXX. I contacted the Barclay Fraud number and was told it would be investigated, which would take about 30 days. I was also told to destroy my cards, and contact any institution that I had on automatic payment set up for as the number will change. A new card would be sent in 3-5 business days. I never received these cards. I received acknowledgement that an investigation was open and I would received the results in a letter dated XXXX XXXX was in I received a letter from Barclay stating the {$1600.00} in dispute was ruled in my favor and the account was closed. No charges were made on this account as I had neither received a new card and the automatic payment had been canceled. I confirmed with Wyndham that the XXXX payment had not been made and I would have delinquency payment. I settle that with another card and set up automatic payments using a different card company. 

I received a letter from Barclays on XX/XX/XXXX, confirming that the amount in dispute that I was not responsible. My statement for XXXX XXXX had additional fraudulent charges from the XXXX NY. The previous fraudulent charges were showing the same address. I again contacted Barclays and explain to them that I had not received the cards, My account was suppose to be closed on XX/XX/XXXX but charges were made and accepted by Barclay on XXXX XXXX. I clearly stated to the agent that the account was to be closed and no more trans action would be authorized by me. 
Barclays opened another Investigation. Received a letter confirming the account was indeed closed and an investigation initiated. Letter from Barclay confirmed I was not responsible for the fraudulent transaction. The XXXX statement XX/XX/XXXX showed a balanced forwarded of {$380.00}. I called and followed up with a registered letter return Receipt on XX/XX/XXXX to Manager of the Fraud Department, I received the return receipt but no one at Barclays signed for it. The letter outlined all the actions since XXXX to get this resolved. I requested certain actions be taken along with an internal investigation as to how the new cards could be sent to one place but the billing address was correct. 

A store credit card company advised me that my credit score was lowered. I looked and saw it was due to an adverse report by Barclays. I called to talk to a supervisor and was refused to be connected to one. Thus this complaint as I have received only a negative response to my letter.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2022 Bank of America did a hard inquiry on my credit. I did not authorize or ask for a new credit card attached to my social security number. I reached out to Bank of America fraud and had card taken off my name but they said they cant help with hard inquiry. The credit reporting agencies say tell Bank of America. I want this Card off my credit. It says I am an authorized user. It was reported on my credit beginning XX/XX/XXXX. I d have a Bank of America credit card but have had it for years. This is a new account someone else opened and attached my social to it. Please remove from all of my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On The early morning of XX/XX/2022 I was kicked out of an XXXX abruptly because my friend was throwing up. The driver drove away stealing my XXXX XXXXXXXX XXXX XXXX valued at over XXXX. This individual then used my XXXX wallet ( which had my debit card / chase checking account ending in XXXX linked ) to send UNAUTHORIZED transactions of {$2000.00}, {$800.00}, {$100.00}, and {$100.00}. A total amount of {$3000.00}. I was able to obtain information from XXXX that they then used this money to send peer to peer transfers in increments of 27 ( 27different transfers! ) of {$10.00}, {$100.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$90.00}. For a total of {$2900.00}. 

XXXX XXXX operated by XXXXXXXX XXXX XXXX did their investigation and sided with me in the dispute agreeing that it was indeed fraud. I am attaching all documentation to support this as well as a police report and identitytheft.gov report. 

Chase REFUSES to honor my claim and continues to LIE and state that these were authorized transactions even after XXXX XXXX XXXX and XXXX have agreed with me that they were NOT. When we disputing the XXXX XXXX transactions my XXXX XXXX account went to a XXXX balance. After winning the dispute with XXXX XXXX they ( XXXX XXXX ) sent back {$3000.00} into my XXXX XXXX wallet which put the balance at XXXX which means I did NOT get my money back, it simply brought the account back to a XXXX balance since it was negative from the dispute. However Chase continues with their decision to not give me my {$3000.00} back, even with all of this information being provided to them. They have put my wife and I through unbelievable hardship on top of being victims of grand theft and robbery. Part of this {$3000.00} was my wifes FIRST PAYCHECK as a teacher for the state of Florida at XXXX XXXX XXXX XXXX XXXX. To do this to a public servant is cruel and disgusting and if this is not resolved we WILL take JP MORGAN to court. They are a filthy company that has no regard for their customers or human beings. There is absolutely no reason to deny our claim with XXXX siding with us other than pure GREED AND CRUELTY. 

There is a detective working on the case from the XXXX XXXX Police Department - Detective XXXX. XXXX has also suspended the driver WHO WAS OPERATING UNDER ANOTHER INDIVIDUALS NAME. IT WAS A FEMALE DRIVING UNDER THE REGISTERED NAME XXXX license plate XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Credit karma repeatedly gave me approvals and had me apply for cards then affecting my credit score. They would say I was approved for loans then transfer me to Al these different sites followed by continuing harassment from multiple loan companies connected to their sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
I have XXXX money all access debit card it get social security XXXX and my payment is direct deposit payments to this account on XX/XX/2022 I went to atm to withdraw {$200.00} dollars and the atm machine gave me an error message I ask the store owner do the atm have money he said yes so I tried to withdraw the same amount again then it successfully dispense money but my card was debited twice for the transactions but I only got it once now they havent been doing anything not even offer provisional credit when this is provided in the company advertising

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 2022-09-14 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: ERC
State: TX

Complaint narrative:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
These past weeks we have moved forward on the closing of my short sale but the second lender SPS has lied and upheld the deal in many ways. On Thursday XXXX our firm called three different times to confirm that we would get out HUD approval and extension approval so we cloud close today XXXX. We were told Friday we would get them by end of the day, then both on Monday and Tuesday had a total number of 7 different calls with 7 different representatives all saying different things. We were lied to many times and it held up the deal. Parties have already paid out money for this deal to close. XXXX XXXX XXXX is battling XXXX and recently lost his mother. SPS has held this deal in limbo for almost three years and now as we are this close to close they hold up and jeopardize the deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
I SPOT WITH A LADY NAMED XXXX WHOM I FRLT XXXX XXXX AGAINST SHE THREATENED ME THAT THEY WILL NEVER REMOVE IT & THAT SHE COULD NOT ASSIST ME. NOW I AM AFRAID SHELL BE SPITEFUL AND TRY TO ADD THE DEBT BACK TO MY ACCOUNT. THIS HAS BEEN AN UPHILL BATTLE WITH INFORMATION THAT 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 explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My car was stolen when I recorded it and did it they said in qualified they gave me this website and told me to file with you guys if it could be fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2022 my company, XXXX XXXX XXXX was instructed to Wire {$17000.00} to our manufacturer, XXXX XXXX. Unknown to us, someone had broken into the servers of XXXX and had fraudulently emailed us a fake letterhead/representative of XXXX. The Wire went from XXXX XXXX XXXX to Chase Bank instead of XXXX, XXXX. This has been confimed by XXXX XXXX, XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Back in XXXX of XXXX there were over XXXX fraudulent transactions done on XXXX of the debits cards for my account. When I called the representative I gave here the name Ive the company so she could process my dispute, I was then issued a credit for {$3100.00}. In XXXX of XXXX XXXXXXXX XXXX reversed my credit leaving my account negative {$3100.00}. When I called XXXX advised me that there was one authorization transaction included which is why my claim was denied. I advised that they should listen to the call, I never asked for that transaction to be included, that was an error on behalf of the employee. XXXX then informed me I had to put in an appeal. I put the appeal in right away. I gave it 7 business days and called for an update and every time I call they say the dont have a turn around time and theres nothing they can do. This has been an extreme inconvenience for my family in I. That was my husbands whole pay check, we trusted XXXX federal with our financial needs because they claim to be for service member and there families. My husband was recently XXXX and deemed 100 % XXXX from the United States XXXX, we need the fund to serve. We look forward to your help with this matter, please contact me at your earliest convenience. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank account due to a separation. I am a first responder, and needed a bank that was convenient to my headquarters. I tried to transfer {$180.00} and some change and didnt realize their format automatically put in a comma instead of a decimal point, so I accidentally tried to transfer {$18000.00} from my old bank account. My account then showed as - {$18000.00}! I called them right away and explained it was a typo. They told me it was pending and would take a few days. Come XXXX, I deposited my paycheck into another checking account because the one I opened still showed as being $ XXXX. I deposited a check of almost {$1700.00}. I chatted online with customer support about the issue. And the next day it said account blocked. The department who could fix it was not there on weekends. I finally got a hold of someone today who explained that they closed the account and I would receive a letter explaining why within 30-60 days, and I would also get my funds via check in 60-90 days. I dont have any money other than whats in my Citibank accounts. And I have to pay rent and take care of kids and pets and bills. Can you please help me get my money out of those account ASAP. I read quite a few horror stories on XXXX about the same thing happening with new account holders and the OCC and CFPB got brought up a lot for being able to help out. Thank you so much

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 2022-09-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Twice I have deposited checks with a teller in the bank. Each time I was told I would have the money available the next day. The next day I was informed my check would have a 10 day hold. Each deposit- one for {$2100.00} and one for a cashiers check of {$10000.00}, I didnt even get the first {$200.00} available. Why would I need to wait 10 days for a teller deposited cashiers check and not even have the first {$200.00}?

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX. XXXX - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-09-14 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: NJ

Complaint narrative:
I Have disputed with this company and they refuse to remove incorrect information from my report. I have reported this to the FTC and CFPB and nothing was done.

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 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Dividend Finance Inc.
State: TX

Complaint narrative:
The Dividend Finance, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX processed a loan prequalification application that I did not request or approve. They also ran my credit score and notified me via email that I my application for a loan had been approved. Again I have never heard of Dividend Finance. The company did talk to regarding the potential acquisition of a solar system for my home was Pure Energy, at no time did I agree to a loan application or any intention in purchasing a system via any loan process, I was merely seeking information regarding a " no cost " solar system using a Texas Incentive program. 

My complaint is the simple fact a financial institution operating in the US used my personal information received from a third party of which I did not give anyone the authorization to use for an application to obtain money from a lending institution. I did speak to a Dividend Finance person on the phone and they admitted that they ran a loan application with my information from Pure Energy but they could not produce any authorization from me for this action or to run my credit score without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation