vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with Wells Fargo. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in 2021 because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2023, My checking account was restricted with Chase Bank. They said my account was being close and wishes to not have me as a customer, did not give any information beyond that. There was {$18000.00} in my joint checking account. 

I called every week, they told me 10 business days later they would over night a check of my funds. 

On XX/XX/2023. I called and a representative told me she did not see any funds being released. I escalated to a supervisor that did confirm the funds, but they were withdrawn to an internal chase account to their internal investigation bureau. I asked for contact information with this investigation bureau and was told there is not way to contact them and to just wait. Could not tell me how long to wait, and just wait.

Chase did not send me a letter in the mail, or contact me. I only found out my account was restricted when a friend tried to send me money through XXXX, that was when I discovered my account was restricted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX just before XXXX XXXX, I attempted to deposit {$2600.00} in cash ( all {$100.00} bills ) at the Capital One Bank, located at XXXX XXXX XXXX in XXXX, MD. This branch is referred to by Capital One Bank as the XXXX XXXX XXXX. The cash deposit was made at the drive through ATM on the far left, nearest the bank building. I inserted my card and signed in, indicated I was making a cash deposit and, when prompted, inserted the cash. The ATM took the money into the machine. Immediately after taking the cash a yellow long narrow box appeared in the middle the screen with the message that an error had occurred but did not indicate what type of error it was. The ATM screen then went back to the sign in screen but now with a message at the top that cash and check deposits were not being accepted at this machine sorry for the inconvenience. No receipt was given because the machine had shut down. 
I immediately parked and went into the bank and spoke to a branch employee located in one of the cubicles. I asked her to check the ATM. She stated there was no one who could open the ATM and check it for my deposit. She stated she could not do that and the only was to proceed was for me to file a claim which I did. The claim is # XXXX. I was also told I would be contacted by email, my email was provided at that time. I received a letter dated XX/XX/XXXX stating they were working on my claim ( no email ). After no further communication, I called claims followup at XXXX on XX/XX/XXXX and was told that an email had been sent and the claim was denied. I did not receive an email, either in my in box or spam/junk file. I requested via phone to know what actions by the bank were performed to investigate the complaint. 
I called back a second time that day ( XXXX ) and requested to speak to a manager. The manager kept asking if I had a receipt which I did not due to the ATM closing out my transaction. She pulled up some files and stated that the video showed me at the machine as I claimed but could not verify the money deposited. She stated they would investigate further and contact me by email. I have received no communication at this writing. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my dispute was resolved and they denied my claim. This was obviously sent before my phone call. 
I believe I have followed proper protocol concerning this claim but I am not satisfied with the result which does not contain detail steps the bank took to recover my lost cash funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to book plane tickets through Chase XXXX  in XX/XX/2023. The customer service specialist booked the wrong tickets but insisted they were right in their system that left me with no choice but to cancel the tickets and to directly book with the airline. One month went by, no refund to my credit card of the amount they charged, I called in XX/XX/2023 and a supervisor confirmed they had an issue and would refund immediately. Another month went by, still no signs of the refund. I spent a total of over 5 hours with Chase XXXX being put on hold. This is some of the worst customer service experiences I've had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello i am disputing the inaccuracy of why XXXX XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, XXXX, and Transunion and they are still reporting it after asking them to remove 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello i am disputing the inaccuracy of why XXXX  XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX  house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, Equifax, and XXXX and they are still reporting it after asking them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I was locked out of my account on XX/XX/23 so I called to request for it to be unlocked on XX/XX/23. The first representative confirmed that it was locked because of trying to log in multiple times using the wrong password. He put me on hold and after reviewing my account, the supervisor I spoke to decided to close my account without explanation. No reason was given as to why she decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX # XXXX Citizens pay credit line 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have repeatedly attempted to correct inaccurate and incorrect information on my consumer report, to no avail. This is my final attempt before i take it to court. 

SEE ATTACHED LETTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that XXXX and Transunion remove the account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX from my credit report. Please see the attached debt validation letter that was sent to the collection agency 2 months ago. Also, please find attached the original creditor statement verifying that they could not find an account with my name and the account number reporting. They also mentioned another collection agency as the owner of the account and a different balance. XXXX has since removed this account. Due to negligence and many FCRA and FDCPA violations I am demanding that this account is removed within 7 days. Please see the attached letters which are dated and time stamped for your records.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. XXXX was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. XXXX continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel XXXX to update their report to reflect loan status? 
Thank you XXXX 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. XXXX was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. XXXX continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel XXXX to update their report to reflect loan status? 
Thank you XXXX 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis provided the report. I viewed the report. Printed. Typed letter. Certified. LexisNexis refused to correct. LexisNexis just isn't sure after all that I am me. Abusive over common sense rules. Just to harass me over simple typos by them already dispute with insurance and them that the insurance reported correctly but LexisNexis can not. LexisNexis wrongly requested my full social. I responded by their email all facts but full social. I did provide the last 4. They wanted my license also. They didn't want this to mail the report. The dispute requests was sent Certified. Business abuse to harassment to not resolve and has not. GL for glass not even paid but an inquiry reported as CO for Compensation. Be reasonable and realistic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # Santander consumer # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had credit card in my possession. 
transaction denied because they said chip card technology used and can not be counterfeited. 
Obviously I cant be in another state and make any of these transactions on XXXX XXXX. 
they have been able to make charges using my information. I did not give the card to anyone to use. Their fraud department needs to do more research on how somebody made charges in another state using my information. 
this was the same reason wells fargo gave me. 
it is obvious there is a security problem because I had my cards in my possession. 
Please help. 
Thank you.

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