vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020 I purchased some long term shelf life food from XXXX. This was done under 2 separate orders. When my products arrived the food packages were busted open. I contacted the seller as I wanted to return and refund my money. This fell well within their return policy. Here is the quote and link We hope that youll absolutely love all of our products. 
You are fully protected by a 100 % money-back satisfaction guarantee. 
Here 's how it works ... 
If for any reason you're dissatisfied at any time during the first 365 days after purchase, simply return the product to the original shipping warehouse and ask for a full refund. You'll get your money back. That's a firm promise and commitment XXXX XXXX XXXX I then contacted them as per the instructions on the shipping invoice. Over 2 weeks go by with no response so I around XX/XX/2020 I disputed both of the transactions with discover card while providing pictures of the damage product and proof of their return policy. I later won the dispute and was told it may be overturned. And since then the ruling in my favor has been going back and fourth. every agent I speak to switches their story. They either tell me I won one and lost the other and vice versa. I was told I won one transaction for XXXX and lost one for XXXX and i will be credited for the XXXX. Then i am told I lost the XXXX dispute and the XXXX is still being reviewed. All the while not a single agent not the website has been able to tell me why or provide any documentation as to why. I am continuing to dispute this transaction because I received and inedible damaged product. The company refuses to assist me and honoring their return policy and Discover refuses to assist me in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a 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 2020-12-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Pulled a copy of my credit report and noticed unauthorized inquires from several companies that I didn't do. I reached out to them already they said contact the bureaus to get these items deleted without a 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 2020-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I received an email stating that my account was suspended for suspicious source of funds picked up by their system. I tried getting in contact with customer support but customer support was very unhelpful and would barely reply. Less than a week later despite, despite trying to get help from support, they tell me my account has been closed for violating their internal policy and that I am not eligible for a refund but that I could send in the requested documents to fix the issue. I tried sending in the requested documents, I sent them in 4 times to be exact but each time I would send an email someone would reply once and I would have to start the process over again because they would no longer reply to the email chain. No one would or could explain anything to me. They basically took the money and stopped responding or helping. The account had XXXX dollars and I looked online and saw that the company had done this to a lot of people none of whom managed to get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit is perfect but yet my credit score keeps going down. I believe Experian is vindictive and harassing by driving down my credit score by not removing erroneous and fraudulent information and inquires. In addition, Experian has sent my file to their Special Handling services making it extremely difficult for me to expedite updates and disputes. All these things are further proof that when you complain to Experian, they will do things to drive down your FICO score via retaliation and vindictive acts. I believe class action civil action needs to be taken against Experian as a punitive measure to stop their material misrepresentation and vindictive acts.

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 2020-12-13 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: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
On XX/XX/2020 I filed a dispute with my card company ( Current-XXXX XXXX XXXX ). I attached police reports and followed all directions asked. It is now going on 4 months and this company have not gave me a decision on my claim. I have made numerous of contacts, and they keep telling me it could take up to 90 days for an answer. 

I patiently waited 90 days, and now they say they need additional time, but my card agreement only say a max of 90 days. Now, when I contact them they ignore all my emails. My card was stolen and used frauduently, and I have listed the transactions below : 1. XXXX XXXX {$1000.00} 2. XXXX {$500.00} 3. XXXX XXXX {$650.00} 4. XXXX {$210.00} 5. XXXX {$1000.00} 6. XXXX {$1000.00} 7. XXXX {$820.00} 8. XXXX {$1000.00} 9. XXXX {$500.00} 10. XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: AZ

Complaint narrative:
Square shut my account down after I had payments in the amounts of XXXX, XXXX, and XXXX go into my checking account from the same individual. I rent a room out in my house and was given a fake identity by XXXX XXXX a customer of one of the Squares companies Cash App. XXXX came to me and said his mother died and he needs money for burial expenses. XXXX sent the money to my account immediately so I had no reason to believe that my money wasn't safe. It started out at XXXX XXXX and went up because of what I was told was incidentals. Square deactivated my account and sent me an email saying my funds would be deposited into an account with the wrong name in 120 days. This was my paycheck money, not extra cash I have around the house. XXXX XXXX turned out to be a conman and I notified the company at once so they wouldn't return any money to him. Square blocked me from messaging them and doesn't have a phone number to call. I however have been in contact with Cash App. They have been providing information and advising us. Under Arizona Law, a transmitter can't hold your money for 120 days to collect interest for their company. They are also a Bank so this makes it also illegal. XXXX XXXX is a XXXX  on the run. I have attached documentation to prove this and my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Continuous willful violation of my consumer rights. Failed to present original creditor.

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 2020-12-13 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX, Navy Federal Credit Union received a credit report from XXXX. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus. 
I use only two credit cards and pay off the balances every month.

The only outstanding loan is my mortgage with Navy Federal with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
XXXX will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Analysts of MN, Inc.
State: NY

Complaint narrative:
XX/XX/2016 : The collection by name of Professional Credit Services, a company in Minnesota, for an amount of {$2000.00} was reported to my XXXX  credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with XXXX  when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically immigrants.

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 2020-12-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX received a credit report from Experian. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus.

I use only two credit cards and pay off the balances every month. 
The only outstanding loan is my mortgage with XXXX XXXX with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
Experian will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.

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 2020-12-13 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:
I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XXXX already deleted the collection account. Therefore it should be deleted also by XXXX and Equifax. This is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2016 : The collection by name of XXXX XXXX XXXX, a company in Minnesota, for an amount of {$2000.00} was reported to my Transunion credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with transunion when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically 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 explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a Citigold Account. I got a letter from Citi on XX/XX/2020 said that my accounts is closing thirty to sixty business days, Citibank will issue you an official check for that balance to the address on file and not giving me any reason. From that day, both of my accounts are blocked and I can not withdraw, transfer or make payment from my accounts anymore. 

I called Citibank customer support many times and visited citi branch and still not get my money back. 

Then after almost 4 months, on XX/XX/2020, I checked my accounts and saw Citibank withdrawal {$130000.00} from my account ending XXXX and {$1800.00} from my account ending XXXX. Total of withdrawal is {$140000.00} ( Image proof of withdrawal I took the screenshot from my account on Citi website 1XXXX ) On XX/XX/2020, I got a check from Citibank by mail only {$120000.00}. Not total of my savings balance of {$140000.00}. 

I attached a lot of proofs showing my accounts balance : My daily alerts summary by email ( daily-summary-email.XX/XX/XXXX) My daily alert summary by sms text message ( daily-summary-text.XXXX XXXX My XX/XX/2020 statement XXXX XXXXStatements.pdf ) And other proofs as well. 

Please review my accounts please?

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 2020-12-13 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: CA

Complaint narrative:
The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to tran union One toXX/XX/XXXX And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.

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 2020-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XX/XX/XXXXalready deleted the collection account. Therefore it should be deleted also by TransUnion andXX/XX/XXXXThis is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.

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 2020-12-13 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: MS

Complaint narrative:
My cash app was hacked at the time I used cash app for direct deposit of my paycheck, my email address was hacked thru my email thieves got my cash app I have attempted to resolve this issue without success. I keep asking for updates and each time I'm given a different generic response. On XX/XX/2020 {$1900.00} was spent on XX/XX/XXXX and withdrew, also {$90.00} was sent to someone with the name XXXX XXXX. I immediately contacted cash app support thru the only unreliable form of contact email. They responded with six questions which I answered. No one responded until XX/XX/XXXX only because I complained to the XX/XX/XXXX and the response was basically to scold me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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:
The 3 credit bureaus have kept this account open for the last couple years without verifying AFTER I sent them MULTIPLE letter asking for them to verify and THEY CAN NOT. 

This is with XXXX XXXX XXXX for the amount of {$1100.00} One XX/XX/2020 I sent 3 letter to all 3 bureaus. 
One to XX/XX/XXXX One to equifax And one to XX/XX/XXXX And they are not verifying anything. Section 609 requires them to verify and since they are not verifying they must REMOVE from my account IMMEDIATELY. 

I AM TIRED OF THIS.

Company response to consumer: Closed with explanation