vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I requested a balance transfer of {$2800.00} on XX/XX/XXXX via the bank website. The credit card bank where I requested the transfer is Old Navy/Barclay bank . The money was to go a XXXXXXXX XXXX account. 

On XX/XX/XXXX, I checked on the status of the transfer and saw it was marked as completed, stating the money went a XXXX account ending in XXXX digits that did not match my XXXX account. 

I contacted Barclay bank was told to wait until XXXX as it takes time to transfer. I was also told the ending XXXX digits of the receiving bank, as shown on the balance transfer transaction, did not really mean what it stated. I was told it was a code of some sort that even the phone representative could not explain or access. 

I contacted them again on XXXX as the money was still not reflected as a credit to my XXXX bank account. 

I had multiple messaging communication online as well as the phone calls and each time I was told to 'wait '. 

On every phone call I was asked for the receiving bank account number, which I provided. On one of the latter calls, I was told that I obviously mistyped the number so the money went to someone else 's account and a 'case ' was opened for research. I was told it would take XXXX bus days to complete the research. 

I called today, XX/XX/XXXX, and this time I was told that when I requested the balance transfer I somehow typed XXXX digits into what should be a XXXX digit field. And ... the number I typed was somehow a valid account number at the receiving bank! 

I was again told to wait it out for the research to be completed as it could take up to 90 days! 

I asked to speak with someone else and was transferred. XXXX told me the money likely went to a 'holding account ' at the receiving bank. Ok, fine.. so let 's get this reversed. I have been alerting you since XX/XX/XXXX that there was an issue. 

I just want the transfer reversed and all fees returned. I was told again to wait it out for the case to be researched.

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 2023-07-14 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-07-14 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: IN

Complaint narrative:
I have disputed incorrect information XXXX times with EQUIFAX. No other company ( XXXX, or XXXX ) have had any of these issues! I am trying to purchase a home with my husband for the first time and The Mortgage finance company is unable to pull my Equifax credit score. That is keeping me form getting a house for 2 months now. This market is crazy I don't need any other issues. Please contact the company and ask what they can do to help fix this? I have talked to countless representatives and supervisors. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: LA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
i recieve a alert that i had a collection on my credit report i contacted the company they sent me forms to fill out i explained it was not my account never lived there never let anyone use my info they told me send proof of address and other things i have faxed to them already

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 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Number # XXXX XXXX XXXXXXXX Account Number # 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.

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2022 Wells Fargo Home Mortgage admitted that it had incorrectly miscalculated fees and other charges related to my mortgage foreclosure process of {$1000.00}. See Wells Fargo XX/XX/2022 letter attached. 

In XX/XX/2022 Wells Fargo Home Mortgage admitted that it overcharged me {$3300.00} in expenses when it evaluated my mortgage loan modification application. These errors resulted in an overstatement of the attorneys fees in the calculation, which caused my qualified borrower application not to be offered a loan modification. See attached Wells Fargo Letter. 

Wells Fargo Home Mortgage has not fixed my issues and continues to fail to offer me a borrower loan modifications and adequate remediation to my mortgage account which experienced incorrect loss-mitigation outcomes, including wrongful foreclosure.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraud alert from : disguised as 'Chase Fraud Alert ' XXXX " COPIED AND PASTED '' Fraud alert Chasedebit or ATM card Because the security of your account is our first priority, we have opened an investigation into this occurrence because we discovered that you signed into your online banking account from a different IP address, which is suspicious or could be fraudulent. 

Please log in using the details presently on file by clicking the link below in order to protect your account from fraudulent activities and unidentified devices. 

www.chase.comXXXX  Please be aware you will be logged out of all open sessions as part of this security procedure, which aims to protect you and your account information from fraud. 

Thank you for helping us protect your account fraud detection XXXX JPMorgan Chase Bank , N.A . Member FDIC & Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Someone hack some of my accounts including my bank account, using companies like XXXX and XXXX the make unauthorized orders and withdraw money from my bank. 
this issue stared on XXXX XX/XX/23. 
XXXX four transsaccions for XXXX One for XXXX XXXX XX/XX/23 TX XXXX on for XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/23 TX XXXX XXXX XXXX XXXX, XXXX also my XXXX  account two items for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX purchases were made through bet mgm online which is a sports site and those were not my purchases. I tried to dispute these with my chime bankers and was told I needed to wait until they settled the payments. Once that happened I immediately reported it as fraud and requested a new card as well as changed my pin. They didnt even take the proper time to investigate my claims which were 2 were denied well before 24 hours of me making the claims. I then requested the documents used to determine their decision on XX/XX/XXXX and have yet to receive those. I started a rebuttal for both claims and those have both been denied without documentation as well! I filed a police report the same day the disputes were filed. This is ridiculous I have done everything on my end. I was at work when these charges were coming out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

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 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex Systems has not updated on an Account with XXXX XXXX  as paid in there system. 

I was at my bank doing a construction loan and Chex System showed up. 

I'm also filing with the US Attorney and DOJ complaint on Chex Systems due to a law suit on XXXX XXXX  and FDIC in which XXXX XXXX  never replied back or corrected the ERROR I can also include Chex Systems in the Law Suit by error and false reporting by XXXX XXXX and Chex Systems

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 2023-07-14 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: MS

Complaint narrative:
XXXX XXXX XXXX has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: MS

Complaint narrative:
XXXX XXXX bank has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud

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 2023-07-14 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened PNC virtual wallet performance select account on XX/XX/XXXX, and it was advertised saying to have direct deposit for {$5000.00} and get {$400.00} bonus, the bonus should credit to account no late than 90 days. however, it's already over 90 days, I did not receive the {$400.00} bonus as they promoted, and I tried to contact PNC to resolve this issue, the agent on the phone was verified I have completed the {$5000.00} direct deposit requirement, and then she created case # : XXXX and ask me to call back few days after to check the status. I called today, and they say I'm not qualify, but today I call PNC to check the status, the agent told me the case was resolved yesterday, and saying I'm not qualify this offer so they did not credit the bonus, because I received bonus on XX/XX/XXXX, it's not 24 months yet. But this is not true, I was having XXXX account during that time, and the bonus was from XXXX, but in XXXX XXXX merged into PNC in XXXX half of XXXX, so it looks like PNC also take XXXX welcome bonus offer and transactions after XXXX merge into PNC, however, I actually signed up XXXX account and get the bonus from XXXX before these two company merge, so I actually did not get bonus from PNC during that time. so I should qualify the bonus since I did not receive PNC account bonus more than 24 months, and in their terms did not mention say customer who receive bonus from XXXX also included in the 24 months period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 explanation
Consumer complaint received 2023-07-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was a victim of fraud in the spring of 2022 when my SS number my address and checking and savings account were I infiltrated by a payday loan company. I found out that credit accounts were open on my name when I went to apply for a car loan I then filed a victim fraud alert with the government I sent a copy of the fraud alert to all three credit bureaus, along with my ID and a letter requesting the credit bureau to block the information pertaining to the fraud. Equifax is refusing to block the fraudulent information. 
A fraud report was also sent to my bank they investigated and I closed my checking and savings account. This report was also sent to the three credit bureaus This is so frustrating to me.. I feel like I have been volatile and have no rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LD Holdings Group, LLC
State: MT

Complaint narrative:
I am receiving daily calls, multiple times throughout the day, sometimes over 10 calls from Loan Depot, XXXX and XXXX about debt and loans. It has been going on for months. Not only do they have the wrong number they have been harrasing me regularly asking for someone with a different name than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently reviewed my credit, many unknown unrelatable unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive been fighting with Bank of America for over 5 years to delete PMI off my account. Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department who said the letter is only valid for 30 days. 

On XX/XX/2023 I paid about {$30.00} to overnight the requested {$100.00} payment. On Friday I received an email ( see attached ) from Bank of America stating the fee has increased to {$150.00}. 

Why didnt XXXX in PMI advise that the fee was not {$100.00} but {$150.00}. This is not customer service but another tactic to stall delay or prevent That PMI from being deleted from my account. Bank of America practices for PMI removal are unfair to customers since it results in continuous policy changes that were not disclosed and makes this process very cumbersome. 

New email now says processing time is 13 days. Is it ten days to process or 13 days. Very confusing and inconsistent. 

How much is BofA benefiting from dragging out the PMI deletion process. Its almost like they make it so hard they want you to go away. 

The method and practices are antiquated. Who writes checks? Who uses snail mail?

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