vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
While reviewing my XXXX card account online on XX/XX/, a promotion popped up promising a {$10.00} reward for enrolling in XXXX XXXX. I enrolled that day. The promotion specified that the reward would post within 30 days of enrolling. I am attaching the promotion as well as the screenshots evidencing my enrollment. 34 days have passed, but Capital One still has not posted the reward. I satisfied all the promotion 's requirements, but Capital One has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from NCA last week stating that they are feign to collect a debt that was sold to them from XXXX XXXX in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to XXXXXXXX XXXX and NCA. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
Good Morning The law firm of Pressler , Felt & Warshaw garnished {$8000.00} from my savings account without notification ; i have not received any notice from them regarding a lawsuit or any legal action that would be taken against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I had made multiple requests for verification of this debt and the company have not send me the requested information. Thus is not my acct and I need proof of signed contract and anything that verify the legitimate of this debt. Dispute is still currently in dispute while is to my understanding that the company has up to 45 days to give me the requested information and they are in violation of my rights. Attach proof of my requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-31 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, my child received a text from Wells Fargo asking if a charge was fradulent. It, in fact, was, and we responded accordingly. Wells Fargo cancelled the debit card, said a new one was in the mail, and asked my child if he wanted the new number updated in his phone 's apple pay. My child said yes because he was on a trip and had no other card. 
on XX/XX/XXXX, over {$5000.00} was taken out of my child 's account through transactions in the XXXX. ( my child was in the US at the time ) He did not authorize any approvals and did not even have the account number of his new debit card. We called Wells Fargo and they cancelled his card and reissued yet another card. We did not update the XXXX XXXX capability and changed all system passwords. They said it would be 10 business days to received a response and return the money back in the account. Later that day, they called us back on the 15th and asked us if we had called Wells Fargo from a number that was not associated with our account. We said " no '' and they said " it is likely that your Wells Fargo account has been infiltrated and someone has your account number '' they closed the previous account and opened a new one. We did not give anyone passwords or click on any kind of phishing scam. We waited ten days with no response regarding the claim. I called up after ten days and received a response that " all charges were approved '' and the bank determined there was no unapproved charges by us. Even though they had contacted us regarding fraud twice in two days and had not done anything to resolve the situation appropriately.

Now they will not tell us why they denied our claim, how someone hacked into the wells fargo website, nor how they think this is not something they are liable for. I have spent almost 20 hours dealing with Wells Fargo and have received virtually no logical answer and have been told that my case is closed and no one will look at it again, respond to my questions, or address in the future.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: GA

Complaint narrative:
I received a cash app card with my address in the name of a minor child who previously lived next door to me. Her Mom passed away in XX/XX/XXXX. I informed cash app the first time this happened that the child is a minor and that the family has informed me that they are unaware of who is sending her money on the card. Cash app customer service investigated and cancelled the first card last week. I just received a second card on XX/XX/XXXX and asked if they could cancel it and block my address to stop anyone from ordering under my address and they said they could not. I asked for a supervisor or a manager since XXXX the customer service agent already had me hold a number of times during the hour long call to get his answers. I was told to send an email to customer service. I declined because of the severity of the situation where the child may be in danger of an adult sending her money possibly from some online predator who may be grooming her for a number of reasons like abduction etc. I was then told by XXXX to tell me they can not assist any further and to end the call, so he hung up as he was instructed. My concern is that I do not wish to have my address/information involved in any way with a situation involving any type of fraud or especially with a minor child who may or may not be in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XXXX activity in my checking account with Wells Fargo. I reported it to Wells Fargo & XXXX XXXX store which took place on XX/XX/XXXX. The amount is {$270.00}. Both companies are claiming they see no fraud?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
On XX/XX/XXXX Cash Apps system created a duplicate payment to someone with the same first name same amount same date and time. It was reported within an hour and all necessary steps were taken. They also released a message about the system error creating duplicate payments at the time. Over a month later they continue to deny the dispute saying there was no error and refuse to provide any documentation proving their investigation. The only thing on the document is the charge itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I contacted XXXX and XXXX XXXX on XX/XX/2023. It took me four phone calls to reach a representative. Once I reached a representative I was hold for 10 minutes. I provided all my information to identify myself for the phone call and was provided unprofessional treatment on the phone call. I was told in previous phone calls with an attorney XXXX and the representative on the phone that the case on this debt would be dismissed 3-4 business days after the XXXX XXXX payment of {$1000.00} as agreed in payment plan. The letter of dismissal was sent via US mail on Tuesday, XX/XX/2023 and XXXX and XXXX is claiming they sent a letter of dismissal to XXXX XXXXXXXX on Wednesday, XX/XX/2023. When I asked for an update today I was provided rude and dismissive treatment. I was then placed on hold and told that we sent the letter of dismissal to XXXX XXXX in the mail and through a fax but that " we are still awaiting the judges signature. '' XXXX and XXXX XXXX is retaliating against me and not having this case dismissed in an expedient manner because of my previous complaints with the CFPB against Bank of America and XXXX and XXXX XXXX. When I stated that we are on a recorded line and that I have filed complaints with the CFPB and will file a further complaint with the CFPB, the representative said " do you have anything else to discuss? '' and promptly hung up on 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 2023-07-31 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: NC

Complaint narrative:
hi, i tried to withdraw {$800.00} from my account atm dispenser XXXX XXXX did not dispens the money call wells fargo called immediately to report the problem but no help from wells fargo side i know they have camera and they could count there money to make sure im telling the turth but no help from wells fargo side at all please i need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Debit card information was stolen and I had my bank account information and other accounts such as cashapp stolen. I filed a claim with Chase bank for multiple transactions. They denied one of my claims leaving me without XXXX XXXX They now have another claim for over XXXX $ and refuse to issue me provisional credit while they due their investigation. This is leaving my family and I without money for days now due to chase bank not caring for their customers. Very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX the SSXXXXI made a deposit to my account for {$680.00} chime posted {$260.00} dollars in my account the card would not let me withdrawal from ATM or make store purchases it would only let me send money when I contacted chime customer service a named XXXX told me don't call the customer service number again if I do they would cancel my account the money was from my XXXX benefits I want to know what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The original creditor XXXX XXXX representative that was spoken with on XX/XX/2023 stated that the collection account would be removed from credit file as there is no balance due. However CCS USA is not honoring the original creditors wishes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects 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 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have contacted Barclays ban/gap card several times regarding an unpaid debt : I was dealing with XXXX XXXXXXXX and my credit and finances were used without my consent. Barclays contacted me several times but I was unable to pay. I have been contacting Barclays since XXXX of last year 2022 to settle the debt. I have been told on several occasions that the account was sold to another creditor and that I would have to wait until I am contacted. I have never been contacted and this is causing a hardship on me because I am trying to rebuild my own life as well as my children. I cant do that because this debt is holding me back. I cant pay it because for an entire year Barclays Bank cant even tell me who has the account. Ive been told by Barclays representative to call back constantly because they may get the account back. Every single time that I fall Barclays Bank has no information for me. However they wont remove the debt. I dont know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I recently discovered that a credit account was opened without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Black Equity Lending LLC
State: MI

Complaint narrative:
I am the Listing Agent of the home at XXXX XXXX XXXX MI XXXXThe Buyer made application with XXXX XXXX XXXX XXXX of Black Equity Lending NMLS XXXX on XX/XX/XXXX The appraisal was to be ordered within 5 days of application per the PA. 
The Lender has refused to order the appraisal. The Lender has refused to provide updates on the loan mortgage status and keeps referring me to the Buyers Real Estate Agent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
My account with Coinbase has been compromised. I have been trying to get in contact with representatives in order to have my issued fixed. Due to their telephone, I am unable to get a hold of anyone and I'm directed to " open a ticket '' within their website. I am unable to log into their website since my account has been compromised. No one in coinbase is able to assist me.

Company response to consumer: Closed with explanation