vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a police report stating clearly that an account with XXXX  XXXX XXXX had been opened back in XXXX without my consent and is still showing on my Chex systems report. I submitted this police report to Chex systems and it is notated on the report by the police officer that this account was opened without my consent. Chex systems refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to Chex systems in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.

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 2022-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a police report stating clearly that an account with Bank Of American had been opened back in XXXX without my consent and is still showing on my XXXX XXXX report. I submitted this police report to XXXX XXXX and it is notated on the report by the police officer that this account was opened without my consent. XXXX XXXX  refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to XXXX XXXX in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.

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 2022-11-02 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:
I have attached my report to this complaint. I have disputed this account and inquiries from my report as fraudulent. I have not inquired or obtained credit from these companies.

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 2022-11-02 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: FL

Complaint narrative:
I have attached my report to this complaint. I have disputed this account and inquiries from my report as fraudulent. I have not inquired or obtained credit from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greenback Recovery Group, LLC
State: CA

Complaint narrative:
Received several phone calls from a group called XXXX requesting a call back to discuss a case that was submitted for a civil matter I have no idea what this is in regards to.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I apparently had a XXXX dollar debt with XXXX XXXX  XXXX XXXX  that I was never notified about. They sent it to frost Arnett and they called me saying they sent out a letter on the XXXX of XXXX but I never received a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 I was XXXX XXXX XXXX in I need help with medical bills and getting my perceptions also Im out of work and not making any income at this moment Im {$20000.00} in back rent and hospital bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have XXXX accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

This has greatly caused financial problems for me and my family. I am requesting to have these negative items removed from my credit report, because their action is in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
{$220.00} was sent through Western Union to XXXX. Email containing the tracking number was hacked and a Western Union agent released the money to a person who was not the designated recipient. A letter in response to my complaint stated that according to their records the money was released properly. They would not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Hello, On XX/XX/XXXX, I asked Robinhood to dispute two unauthorized transactions on my checking account for which I have a debit card ( Robinhood Cash Card ). Robinhood partners with XXXX XXXX XXXX to create checking accounts for its customers ( Robinhood Spending Account ) and then connects it to a debit card issued by XXXX XXXX  ( Robinhood Cash Card ). I did not hear anything back from Robinhood for several days, and my Cash Card remained active and so I followed up on XX/XX/XXXX via support chat and told the agent that I did not receive any communication about my dispute. The agent said that they would respond in 2 days time with an update. It is now XX/XX/XXXX, and I still received no update ( and my Cash Card was still active as of this morning ) so this morning I contacted support again and told them that I would be filing a complaint with CFPB if they refuse to take any action on the dispute. Approximately 2 hours after the conversation this morning, Robinhood sent me a questionnaire to complete via email which I planned to do this evening. I have money on my account and attempted to use my card this afternoon to pay for a medical appointment. My card was declined even though there is sufficient balance. I then received an email stating that my account had been restricted- which given the timing described above, I believe this is retaliation for telling them that I would file a CFPB complaint earlier today. I contacted support again immediately and explained that my card was in my possession and I needed to urgently use my remaining funds ( I.e. {$49.00} ) to pay for my doctors visit. The agent told me that another team at the company would contact me sometime over email to let me know how I can unrestrict my account. Effectively, theyve taken complete control of my remaining balance without notifying me in advance and refuse to let me take the necessary steps to unrestrict my account to pay for a medical appointment. Its worth noting that I have direct deposit set up with Robinhood and this past month have deposited over {$12000.00} to my account. Robinhood locking my balance of {$49.00} only after I said I would file a complaint is clearly not in the letter of the spirit of consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: NJ

Complaint narrative:
Please investigate XXXX XXXX 30 day late

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2022 Chime Bank sent me an email saying that they needed additional info for my account. They sent an email requesting my drivers license and a bill with my current address on it. They also locked my account that same day until I would send them that info. The following day I sent them the info via email. It has been 3 weeks and I have not been able to get a hold of anyone to help with unlocking my account. I have no access to my money and when I call customer support they tell me to email the chime support and I emailed them 4x times with no replies. I tried to reach out via XXXX and was told that someone would reach out to me to review my account an no one has. Not sure what next steps to take to get a hold of my money or at least transfer it to another account as it is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I requested a refund of student loan payments of ~ {$19000.00} made during the COVID-19 CARES act period from Aidvantage on XX/XX/22. Aidvantage has not issued any refund related to my request and has not provided any update as to why that is the case. I have attempted to contact them on five separate occasions to no avail and have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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:
There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.

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 2022-11-02 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: TX

Complaint narrative:
There are a lot of negative items in my report that resulted from my personal information being leaked and used by someone. I sent multiple letters to the bureaus but it has been more than 30 days yet they never sent me a response.

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 2022-11-02 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: CA

Complaint narrative:
A travel agent requested a deposit of {$460.00} for a cruise, which we paid with out credit card. In XX/XX/2021, we paid our final payment on the cruise of {$2600.00}. We authorized travel agent to charge these two amounts at this time. In XX/XX/2021, a charge of {$2600.00} was made on our credit card, which we did not authorize. Credit card company stated that we purchased another cruise cabin for another guest, which again we did not authorize. The amount of {$460.00} was also never reflected on the final bill summary that we received for the cruise. Several disputes were made by us and the credit card company denied them 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 2022-11-02 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: TX

Complaint narrative:
My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with Experian to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.

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 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo business checking account for around 5 years. It has a requirement of {$500.00} minimum balance. Wells Fargo charged me {$10.00} standard monthly fees even when the average ledger balance was {$500.00}. 
I called Wells Fargo today morning but the representative refused to waive off this {$10.00} fees.

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 2022-11-02 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have an account with Care Credit and a charge was made in the amount of XXXX for dental with with XXXX XXXX XXXX. There was an issue with the minimum payment due being much higher than I was told by XXXX XXXX XXXX and both myself and XXXX XXXX XXXX were on a 3 way call with Care Credit to resolve the payment issue and it was agreed to on the call that it would be worked out that the minimum payment due would be around XXXX dollars. Care Credit says that they have fixed the problem and my minimum payment due is XXXX which is much higher than what was promised to me.

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 2022-11-02 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cash app allowed a user by the name of XXXX XXXX real name XXXX XXXX to use there platform to fraud consumers out of funds by pretending to be a fitness coach with a merchant account with Cash app as I used cash app at multiple vendors such as XXXX XXXX XXXX and have been able to get a refund for products not delivered how ever at this time cash app has ingnored my request to start a dispute in regards to the fraudulent charge Ive also requested a manager call me to discuss the issues and find a resolution since my cash app account is federal insured and should follow all consumer right law but hasnt done so and is completely allowing a person to use there platform to commit theft and fraud I ask you investigate this transaction alongside the companies dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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.
State: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-11-02 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: MD

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystems has placed a freeze on my credit report without my permission. After several phone calls including being disconnected while being transferred I've been unable to resolve this issue without someone mailing me a pin # for an account I don't have. This will have an adverse monetary effect on my business. Why is a consumer report company have have me speaking to someone in the XXXX XXXX? Why can they not get this fixed via phone with all the proper information that I provided? How do I block them from having access to my personal information moving forward? If I do indeed loss revenue against my company who do I contact for reimbursement?

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 2022-11-02 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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