vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My name is XXXX XXXX & earlier this year in XX/XX/2022 someone walked in a few branches in Arizona and withdrew almost XXXX from my US BANK checking account. I reported this fraud immediately and sent in everything the bank asked for. I sent in all my documents, State ID, police report. I mean I literally did everything I was asked to do. XX/XX/XXXX I call in to the fraud liaison department and I was told that my claim was approved and that there was XXXX in my savings account. Then the next day my account was frozen and the claim was reversed. I waited 3 long months to get my money back from this bank just for them to basically tease me with my OWN money. On top of that they sent me mail with my ENTIRE debit card number where my name should be addressed which I will include in a screenshot with this text. Why this bank refuses to protect me even when sending me mail is literally beyond me. I am on the verge of filing a lawsuit with US Bank if they cant get this one right. The mail carrier is probably so confused because shes delivering mail with a XXXX digit credit card number to my mailbox instead of my first and last name. Ive never been treated so unfairly by a bank and to let someone walk in 6 branches and withdraw my money just ices the cake for me. I need US BANK to make this right because at this point I feel as if Im being harassed with mail coming to my address addressed with my XXXX digit card number. I want my XXXX back. Why my claim was approved and then denied is crazy to me. By the way the piece of mail that the XXXX digit card number was on ; inside of it was my PIN number to my new debit card. This bank literally wants me to get robbed of my money again doing things like this. This is so hurtful.

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 2022-05-17 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: MO

Complaint narrative:
Equifax has failed to send over any proof sign signatures etc of the. They stated they verified the information with XXXX XX/XX/XXXX which is false because my XXXX has bee frozen since XXXX of XXXX. Failure to send over proof of documents etc item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: PA

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # 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 an account without my written instructions.

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 2022-05-17 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: PA

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have 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

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 2022-05-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
on XX/XX/XXXX, my account was temporarily limited, i submit the documents needed. then on XX/XX/XXXX, they restored my account, the same day they limited my account again for the second time, then i submit the documents they requested. they restored it again for the second time. on XX/XX/XXXX, I ask my client for the payment, i received the payment for the first time but it is on hold for 21days. because according to paypal. my account was new and need to have have 10 transaction and XXXX amount for the first 60 days, this is not the problem, i understand the policy, but it didnt take 21 days, after my first transaction. and they permanently limits my account. no dispute, no changes made on my account. Until now, i dont know what is wrong and what policy I didnt follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Debt collector Portfolio Recovery Associates , LLC Account XXXX Reference Number XXXX The first time I notice the fraudulent account, along with the fraudulent address attached to it was in XX/XX/2021. I reported the fraud then, to the credit bureaus. It was supposed to be removed then. Well, I received this letter attempting to collect a debt. This is not my address, nor my debt. I've never lived in OK. I've never taken out an account with XXXX XXXX. This is a fraudulent account. 
Thank you for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.

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 2022-05-17 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have 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 an account without my written instructions.

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I noticed a XXXX transaction of {$1500.00} and a XXXX XXXX transaction of {$97.00} XX/XX/2022 at about XXXX. I then called Chase Bank on the morning of XX/XX/2022. I advised them that neither transactions were mine and was refunded back XXXX XX/XX/2022. I was then refunded {$1500.00} XX/XX/2022, was no correspondence or anything. However, because I was told that I would only be receiving provisional credit if the claim department took longer than 10 days, I assumed they were done investigating. Only for them to reverse the provisional credit XX/XX/2022. I immediately called Chase Bank to find out what happened, and was advised that my claim was denied because of the device used for the transaction. I advised the representative that I did call back as advised by my attorney to let them know that my device had been stolen. She apologized sincerely and said they will investigate further. I advised her that I can provide documentation as well and for them to call me if they need anything. I call 15 days later to find out my claim was denied again for the same reason and learn that the previous representative was supposed to give me a fax number for me to send my documents in regards to my phone being stolen. Please keep in mind that the XXXX XXXX claim of {$97.00} which was most likely made using the same device was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
The account they said was mine, was : # : XXXX. I no longer have any papers that tell me what my account was 2 or 3 years ago with USAA. The following is a copy of the email I received. 



Final Notification Warning Hi ( my email address ) We sent you an alert concernig your US accunt on XXXX We are your having trouble verifying your billing details stored under your profile. We have limited your ability to use your XXXX due to mssng billi % RANng infrmation.. 

Nte : *Required information must be received within 48 hrs. 
Ntificatin Date : XXXX This will serve as last and final ntifictin for you to fix this error and avid suspensin. 

Click Here To Cntinue And Reslve Nw Thnk you, US RF D : XXXX Go Paperless Go Paprlss Review and edit your online document preferences at usaa.com. 

USAA Community Go Mobile XXXX XXXX XXXX XXXX More Please do not reply to this e-mail. 
To contact US, visit our secure contact page. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I made a {$700.00} transfer from my Citibank to my XXXX XXXX XXXXXXXX account. Minutes later I receive a text message from citi ( which I thought was actually Citibank ) stating that there was suspicious activity on my account and I needed to vertify my account if I didnt want it to be blocked. I clicked on the link they provided and started filling out my information. I soon realized they were asking for too much personal information so I exited out the page and didnt think nothing of it. On XXXX my phone was out of service most of the day. I thought there was an issue with my phone carrier so I didnt put much attention to it. At around XXXX I check my emails and I noticed 4 Citibank fraud alerts. I quickly check my account and notice {$9000.00} was taken out of my savings account. My phone was still out of service so I had to use my partners phone to report the fraud. At around midnight I notice right before I received the Citibank emails there was an email from XXXX. It stated that my imsi was changed. I soon learned that my phone was hacked and thats how the scammer had access to my account. The next day I went to XXXX to get my phone fixed and soon after I went to the bank to open a new account. I did EVERYTHING the bank asked me to do. They have denied my claim 3 TIMES because they determined it wasnt a fraud but they dont want to give me any reason as to why they made that decision.

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 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a mortgage with WELLS FARGO on a condo in XXXX XXXX. My property and flood insurance was held by XXXX. XXXX decided to no longer provide cover in Florida. The cover therefore lapsed which was in XX/XX/XXXX. Apparently Wells Fargo sent reminders to that address that they may place forced coverage. I do not live permanently at that condo and the mail is forwarded. The letters were NOT received. My broker was instructed to provide new cover and did so with XXXX of XXXX XXXX  XX/XX/XXXX at a premium of {$22000.00} which was a significant increase from the previous premium. Proof was sent and acknowledged by WELLS FARGO on XX/XX/XXXX. We were NOT informed that forced cover was placed for the period of 3 months at an annual premium of {$85000.00} ( approx ), 4 times the amount of the real premium. The mortgage payments are made on auto pay and I had not looked at the statement until today XX/XX/XXXX as I have had no communication with Wells Fargo and assumed the mortgage was current, which it is with the exception that they have added an escrow to my account. I pay all property taxes and insurance myself and have done for the last 10 years and was surprised to see a monthly amount of {$2400.00}. They tell me they credited {$60000.00} back on the forced policy leaving some {$25000.00} to be repaid. That cover by Wells Fargo was with XXXX XXXX XXXX clearly an affiliate. I told Wells Fargo there must be a mistake with the exhorbitant premium but was told it was correct. I asked if a case number could be provided to escalate and resolve and was advised there is no process within WF to do this. Yet another issue constantly in the news with Wells Fargo practices and ability to make money without due regulation for the consumer.

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 2022-05-17 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/2021 I contacted Portfolio Recovery collection agency spoke with representative XXXX ( female ) to pay off a debt for XXXX XXXX, I was then told after asking to send a letter showing it was paid off and to also report on my credit bureau the same. The representative then said she would do so but to allow 30 days for it to reflect, after a year later it is still showing on my credit report as not paid. I then contacted them again on XXXX XXXX and the rep said it does show paid in full and that she showed it reported as of XX/XX/2021 but if I wanted it off my credit report I had to contact XXXX XXXX to get it removed. I am requesting a {$1000.00} due this affecting my credit after a year of this being paid or immediate removal of this negative and incorrect information on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am a former XXXX customer. In XXXX, I communicated with XXXX regarding account # XXXX. At that time, I the account balance was approximately {$1500.00}. The account was sold to Southwest Credit ( account # XXXX ), whom offered an approximate {$700.00} settlement. I accepted that settlement and made the payment to them on XX/XX/XXXX. XXXX email, I informed XXXX that the settlement was paid and attached the settlement offer and receipt of payment for confirmation. XXXX confirmed receipt of that email communication and informed me that it would take approximately 30 days for payment to be reflected in XXXX 's records. In XX/XX/XXXX, I reviewed my most recent credit report and Southwest Credit has still listed the balance of {$1500.00} as " unpaid. '' There are no monies due and the account should have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2022 I booked a one-night stay at a hotel at American Express Travel website . I paid with my American Express points. The total cost was {$150.00}, and it cost me XXXX points. Then in my XXXX statement of the American Express card XXXX it showed a debit of {$150.00} and then {$150.00} for credit. 

On XX/XX/2022, I canceled this reservation. I used online chat to contact American Express, asking to get back my XXXX points. The representative told me that I will get those XXXX points but my card will also be later debited the corresponding dollar amount of {$150.00}. 

It was not completely solved after more than 30 minutes online message chat. The representative told me that I should pay attention to my card transaction and contact them again if I see a debit of {$150.00}. I also contacted American Express 's twitter account @ XXXX. They confirmed that American Express will debit the credit account with the dollar amount. 

I am complaining because : I was charged {$150.00} and credited {$150.00} when making the reservation and will be charged again for {$150.00} after canceling the trip. I didn't get any service but my card is to be charged for {$150.00}. Af for my points, I used XXXX when making the reservation and will get those XXXX, ( keep even ), after canceling the reservation. 

What has surprised me the most is that it seems that American Express has been operating this regarding canceling reservations previously paid via points for some time. I don't know how many customers, when they request to get their points back after canceling the reservations, have been debited for nothing.

Company response to consumer: Closed with non-monetary relief