vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I traveled to XXXX. On XX/XX/XXXX during the trip, a vendor/employee used an extra XXXX machine to charge my card for {$480.00}. I did not know of the charge until a few days later when looking at my account. I called immediately to dispute the charge, and even gone through the appeal. They state that because I had valid charges after the fraud, it was not fraud. I explained that I was unaware what was done until after I used my card several more times. I have requested the credit card company provide me a receipt. They have given me the run around on getting a receipt. If they don't have a copy of my signed receipt, how can they know it was me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Acct # Colony through door open XX/XX/2018 balance {$1500.00} Address XXXX XXXX XXXX XXXX WI XXXX XXXX Tel # XXXX XXXX XXXX. I have talk and wrote letters to all parties involved including the other XXXX XXXX in XXXX Georgia but to no avail i have been help. This has created great harm to my Credit and health and Marriage. I am asking for this account to please be review carefully and look at the facts, This account belongs to Ms XXXX XXXX in XXXX Georgia there is a mix up believe to be only because only our matching names This XXXX XXXX lives in an entire different area in Georgia and has a different social security number and her date of birth is different and we are to different race i am XXXX XXXX born in XXXX XXXX and she is XXXX XXXX born in XXXX I am asking to please investigate this account and reach out to the other XXXX XXXX in XXXX GA and get her information and see the difference in everything but our names 4 years and this has been a night mare no one has helped me. I am begging to please make my case a top priority and review my case i am trying to by my house with my husband and can not because of this. my cell XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX Ga XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2022 I went to the Experian XXXX Website to enroll in their service because of the XXXX XXXX XXXX Settlement That is suppose to be complimentary. 

After enrolling I was directed to a web page to select a plan and payment method. I refused to pay so my subscription was cancelled. When I tried to enroll later the web sight refused to let me enroll. 

Several years ago I enrolled in Experian for ID protection because of a data breech and the service was suppose to be free. But I was charged on my credit card for the service and I had to do a chargeback with my bank.

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 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian had emailed me for an entire month asking me this renew my credit monitoring membership. I did not respond or renew for 1 month. As a direct result Experian maliciously and intentionally put my Social Security Number on Dark Web then notified me that it was on there to get me to pay and extort me for my membership 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have a Mortgage with Shellpoint Mortgage Servicing and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Rates and Longer Term XXXXffered by XXXX XXXX in lieu of Foreclosure after 10 Plus Years, was helped by a Family Member and Ended the Repayment Plan after 5 Payments on XX/XX/21 and brought Acct Current, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, Reporting my Now Invalid and not in Effect Higher Repayment Payment Amount, also the {$3800.00} Payment I made in XXXX is Reporting as a Increase in my XXXX Balance instead of a Decrease even though on their Website the Info is Current. 
This action has caused by Credit Score to drop by XXXX Points making it extremely difficult for me to Refinance My XXXX and Depart from this Co, as it seems they are making it very difficult me to leave. 
I think the XXXX Co is trying to get back at me for their Predatory Wrongdoings I Filed in my previous Complaint number XXXX Submitted on XX/XX/21. 

I would sincerely appreciate if someone could take a look at this Co Unethical Business towards their Customer the Consumer. 
Thanking you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed below telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him on XX/XX/XXXX when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 wire transactions totaling {$2500.00} using XXXX ( XXXX to XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX for {$1000.00} ; XXXX to XXXX XXXX on XX/XX/XXXX for {$500.00} ). After the final wire on XX/XX/XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected. 
After contacting USAA informing them of the situation, they did an investigation & found no fraud. I sent them screenshots of the conversation, the individuals address, & who the wire transfers went to. I received notification from them on XX/XX/XXXX & now my accounts are locked & I have no way to pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have new information regarding CFPB complaint # - XXXX, XXXX, and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This company has illegally open a account in my name its a against the law to harm a consumer report XXXX XXXX is acting under ncb management. Constantly harassed me for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$910.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo on XXXX XXXX in regards to a fraudulent charge from a merchant. I did not authorize this charge. The first time I called, the rep told me he was taking the notes in regards to the transaction, but the second time, I called, I was told he had not, I had to explain what happened again, I was told, you will receive a provisional credit until the case is resolved.I havent received any credit, and the bank still has it a pending status since XXXX. I contacted them this morning, and ask about the provisional credit. He attempted to do it, but could not because it was still in a pending status. The bank rep, told me the charge should no longer should been in a pending status, but dropped and put back into my account. He was unable to correct the 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
There is a fraudulent account opened under my name and I wasnt aware of this. My ex spouse has my information and someone opened up a loan without my authorization. I am not responsible towards this because I never signed anything. I have letters that say to send my id to identify myself but im afraid to send anything else. Please call back number for me ( XXXX ) XXXX or email me at XXXX, I am still willing to send my Id but to a responding email or call or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After I reviewed my credit report I noticed that there are many names under my Transunion Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX, XXXX, XXXX TRANSUNION XXXX XXXX, XXXX, XXXX TRANSUNION - XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After I reviewed my credit report I noticed that there are many names under my XXXX Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX WA XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had multiple XXXX accounts. XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/2022 ( receipts attached ). On XX/XX/2022 I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/2022 I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/2022 who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/2022. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I received an unsolicited XXXX Debit card with my name on it at my home address via the United States Postal Service. The card lists cash.app and XXXX XXXX. On XX/XX/2022, I reached out to the customer support of Square ( the parent company of cash.app ) and was told that they could not help me. On XX/XX/2022, I tried to reach out to both Cash.app and XXXX XXXX to close the account ( s ) immediately and was told that could not be done immediately and that I needed to respond to an email with more information to begin an investigation. I am unable to get in touch with a fraud prevention specialist at either institution even though I called during posted business hours. According to a cursory search on XXXX, this is happening to many people over the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently obtained a copy of my credit report, which containsaccounts I can't remember ever having! I have no idea what these accounts are and request they be removed. I am a viticm of identity theft and ask for these accounts be removed immediately. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Also i have enclosed copies to the FTC.

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 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is addition to my earlier complaint number XXXX. 
I had tried the XXXX time ( to obtain free annual credit report from Equifax through XXXX site ), they refused me twice, the third time they demanded I receive a text message from them. 
I do not have active phone! 
I do not plan to have active phone for a while. 
I do not need to have an active phone to receive my free annual credit report online! 
This is not what the law says. 
This is implementation of tracking and XXXX social credit system. 
The are acting unlawfully. Even if I had a phone number now I would not use it and I do not authorize Equifax to text me, it's none of their business what is my phone number either. 
I was not asked any of the usual identity questions by Equifax before refusal, only my email and phone, which are none of their business. 
I do not want to communicate with them by phone or them sell my email and phone or leak them. 
Also, no alternative had been provided, except one link which had lead to blank page with HTTP error message 404. 
I already provided full identifying info to AnnualCreditReport site, my SSN, DOB, address, name : this is sufficient to identify me for free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate if the CFPB do not closed this complaint until Equifax has resolved this problem. I have requested over 4 to 5 times Equifax explain the discrepancy in their Fico score and the other two credit reporting agencies. Here are the scores for XXXX XXXX XXXX, and XXXX XXXX, while Equifax have my score at XXXX with the same accounts. this is a large discrepancy the I wish be corrected immediately. This is causing issues for me to purchase and job opportunities. Equifax has all the information needed to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I had a Barclays XXXX Credit Card ending in XXXX that I opened in XXXX and closed in XXXX. I need to file a claim against one of the purchases and I need my full credit card number associated with my purchase. Barclays helped me get the statement associated with the purchase but I am unable to get the card number assigned to me. This will result in a loss of {$3700.00} for me because I can't file the claim. This number was assigned to me and it doesn't make sense that Barclays is unwilling to give me the card number that was my own. I have tried to work with Customer Service but all I hear is that it is not possible. 

I received the statement but conveniently it doesn't have my 16 digit account number on it. Barclays has also not reported the account numbers to the credit bureaus when all the other banks report the credit card numbers to the credit bureaus. This has put me in a situation that is very problematic for 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX and XX/XX/2022, I have spoken with several CapitalOne Fraud agents, customer service, and filed two XXXX reports yo try to resolve this ongoing issue. However CapitalOne has continued to report incorrect information on my credit report, continued to permit external charges, and will not all delete of external banking information. However, CapitalOne has continued to state the CapitalOne Credit Card is fraudulent and possesses fraudulent charges, which they have forced me to pay for because it has severely impacted my credit. In addition, I have received written correspondence from CapitalOne stating this account is fraudulent and they will not allow access nor will provide statements.

Company response to consumer: Closed with explanation