vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX, XXXX, XXXX, I sent an Investigation Request Letter to Experian, asking them to re-investigate my dispute against XXXXXXXX XXXX  XXXX Account XXXX, Date Submitted : XX/XX/XXXX, Date opened XX/XX/XXXX, Balance {$1100.00}, Date opened XX/XX/XXXX. Account number XXXX, Balance {$11000.00}, Account number XXXX, Date opened XX/XX/XXXX, Balance {$600.00}, XXXX Open/closed, Closed Date opened XX/XX/XXXX, as you will see, all three accounts are under one account number, as well as opening dates that has expired but company keeps updating from the original open date. 

Also, I call Experian on XX/XX/XXXX to dispute the previous addresses that doesn't belongs to me and the person I was speaking stated to me the addresses that are in dispute will be removed in 24 hours of our phone conversation and they did remove one of the addresses but added two more that was removed back on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX was re-inserted, XXXX XXXX XXXX XXXX, TN XXXX has not been removed and my credit score dropped another XXXX points because of this inaccurate information that is put on my credit report. 

The Credit bureaus all stated, The company that reported the information has certified to Experian that the information is accurate but how is that even possible if the open dates are all inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023 I opened an account with Truist. I deposited {$1100.00} into the account. Later on that Day I XXXX a person some money, a few days later I seen that the account was locked. I goes to a branch too see why was it locked. They said that it was due to fraudulent activity on the accounts when I never used it but once. Its been almost 4 months since I have been without my money.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I never had an account with XXXX XXXX XXXX. I also dont even know where the original debtor originated from. This is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NV

Complaint narrative:
I sent a transfer from XXXX XXXX XXXX to my mother 's account in XXXX XXXX using the money transfer company, 'Wise ' ( previously known as TransferWise ) on XX/XX/XXXX. I have attached the transfer details to this complaint. The facts are as follows : - I sent {$1200.00} to Wise from XXXX  XXXX XXXX on XX/XX/XXXX - Wise acknowledged receipt on XX/XX/XXXX - The money did not arrive and I called on XX/XX/XXXX to inquire as we discovered that the account I had provided at the receiving bank had been closed ( Without my knowledge ). I sent them evidence of the account closure and they told me I had to wait for the money to " bounce back '' - I called on XX/XX/XXXX again and they said I should keep waiting - On XX/XX/XXXX I spoke to them again and Wise advised that they would initiate a funds recall via their intermediary bank ( XXXX XXXX ), but they said they could not guarantee actually finding the funds, which I found really outrageous - The result of this recall is that I received {$320.00} of the {$1200.00} and on XX/XX/XXXX Wise explained that they could do nothing about it and that they would not be able to investigate anything further. The answer to every question I've asked them in this process is " they don't know '' and they have no way of knowing, which is shocking as costumer entrusting money to them, and not have them be liable for this money. 
To sum up, no service was provided, my recipient didn't receive the money and I lost a considerable amount. 

At this point I have no ability to get these stolen funds and I am seeking CFPB support in having them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LendingPoint Holdings LLC
State: MO

Complaint narrative:
According to the recent laws medical debt is not to be reported until its at least 365 days past due. 
The definition of medical debt is : Debt that arose from the receipt of medical services, products or devices Because of the receipt of medical services, devise and products described above I was forced to take a medical debt loan through XXXX XXXX which was sent to LendingPoint LendingPoint is aware that the loan was for the receipt of medical services ( Medical Debt ) and is not 365 past due. 
They allowed a customer care agent to represent the company and close my XXXX  complaint and my dispute as being accurate when its actually not accurate at all. Because the medical debt is not past due it is not legally allowed to be reported on my credit report. I have a legal right to accurate credit report and the decision to put it on my credit report should not have been made by a customer care agent who is not familiar with the current medical debt laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was charged a late fee and it was not reversed. Bank of America charges a late fee when the consumer pays on the due date stated online. It then reverses the late fee. The actual posting of the payments varies depending on the day it is paid when there is a weekend. This is the only credit card I have that does this. It also does not always show the same due date online every month. I paid on the online due date but was again charged a late fee. The late fee of {$49.00} charged on XX/XX/2023 and XX/XX/2023 were not reversed.

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 2023-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX. I made a purchase on XXXX with a company called XXXX using my cash app debit card. Unfortunately I had to cancel my order and request a refund. My cash app account statement shows the refund was completed and the merchant also says the refund has been completed but yet CASH APP customer service continues to claim the refund hasnt been processed. Every time I provided them with proof they are lying they stop responding and disconnect me from the chat. They first tried to tell me the refund was cancelled by the merchant and I needed to contact them. After I refused out to and talked to the merchant they confirmed they did NOT cancel nor it wasnt even possible to do so. The merchant also confirmed that his account showed the refund as being completed. Everytime I try to get an answer and provide evidence that Im being lied to they stop responding and disconnect from the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime needed up closing my account for no reason I submitted all the documents that was asked was told it was good from chime support than later was told the other department was going to reach out it has been weeks and still nothing. I was then told they will be issuing a closure check and should receive it and never did. They keep giving me the run around and Im literally upset that they cant do anything to tell me why they closed my account and just anything. I call about 3 times a day supervisors told me they dont like how Im getting treated but they cant do anything because another department handles this type of stuff and that theres no way to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: MD

Complaint narrative:
Im trying to move and I didnt get approved because of this closed MoneyLion account of {$420.00} on my 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 explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have severe health issues and use a lower limit ( Capital One ) Card for my son to order his meals and for a few auto-payments. My son had this card attached to his XXXX account and one of his online friends guessed his password and began using my card to " gift '' XXXX credits. I have never used this card for XXXX purchases and the charges to XXXX began last XXXX and increased in size and frequency. my son makes a lot of small purchases from XXXX XXXX  and I never saw anything other than that when I'd look at the last few purchases from time to time. 
I paid off a XXXX balance last month not realizing that thousands were from fraudulent XXXX purchases. Finally the card got declined and only then did Capitol One reach out to me ( while I was also realizing something was wrong ) at the very end saying there's suspicious activity. 
I explained my health situation ( I have full body Type XXXX XXXX also known as " the XXXX XXXX '' ) I am in constant treatments and often my discomfort and pain is too high for me to read or drive or even talk. I told them about my health situation. I also stressed that by XXXX it would be clear to ANYONE ( the charges began in XXXX ) looking at my statement that there were increasing amounts ( $ XXXX per week ) and I didn't get any alert for this. The total amount taken from me was {$8200.00}. I am being told that they will only reimburse the fraud from the last 120 days so that leaves thousands that I don't get back. 
It is mind boggling that SO many increasingly large charges FROM the same vendor in INCREASING frequency didn't prompt an alert from Capital One. I never have this issue with XXXX XXXX and had this been my XXXX XXXX I would've been notified in plenty of time to catch this. 
When fraud is this clear the Credit Card companies should be liable for their own lack of basic fraud protection to customers. I believe they were negligent as {$300.00} per week spiraled into {$1000.00} and STILL NO alert. Now because of my health issues I have no way to get three months of fraudulent charges back. The frequency and amount were clear indications of fraud. Capitol One has a fiduciary duty to protect me from fraud and they failed but I have to pay. They will never get my business again. Fraud protection should be mandated to at least catch these OBVIOUS EGREGIOUS patterns, and not everyone is able to be vigilant over every account at all times... .while fighting for their life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has put a hard hold on my 4 accounts and will not give me my money in the accounts. There has been no reason as they have decided to do this and will not tell me why.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
The company LJ Ross has a collection of {$0.00} on my XXXX report but I do not know this company nor have I paid this company. Its registered as XX/XX/XXXX and the last date reported was XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I get my SSI CHECK on the XXXX  of each month but wellsfargo keeps on giving me over draft fees like crazy. I have no beak on this they just dont care. I have no money left for the rest of the month and is not {$34.00} is {$35.00}

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive submitted several disputes and have not been responded to and it been 3 months

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax several times including today to delete information about a fraudulent lease and credit card charges. I have sent in proof. They take the information off now it has popped back up on my report. I am closing on a house Friday, XX/XX/2023 and need this off. I have never lived in XXXX only visited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MS

Complaint narrative:
Whom It May Concern : I recently looked at my credit report, and I am disturbed to realize that I do not recognize multiple accounts and I can not match the debt to any debts that I am aware I owe. Can you please verify these accounts for me to help me understand why someone thinks I owe these debts. Here is a list of all the information I could find on my report, though the account numbers are only partials. I don't know where to get the rest of that information...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: GA

Complaint narrative:
So I sent a letter of to the consumer reporting agencies XXXX XXXX and TransUnion to remove address from my personal information and that I am a victim of identity theft back in XXXX of 2023 According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting hard inquiries and an address that does not belong to me or I have ever been associated with. 

ONLY NAME EVER USED IS XXXX XXXX XXXX ONLY ADDRESS LIVED IN SINCE XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA. XXXX THESE INQUIRIES ARE FRAUDULENT : XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2023 I made 7 transactions to the merchant XXXX for the amount of {$99.00}, {$100.00}, {$99.00}, {$4.00}, {$99.00}, {$99.00}, {$99.00} totaling {$610.00} which were later canceled and I was still charged I disputed the transaction as I was charged but no service or product was received.I provided them screenshots of the merchants website stating that the order was canceled. Proving my reasoning for the dispute that I was being charged when order was canceled and not provided to me. Then on XX/XX/2023 chime decided to close my account and are making it hard for me to get any information on the dispute and getting my money back they just reply with a generic email saying that my account is closed not giving me any updates on my dispute and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is send me collection papers representing themselves as Scott & Associates PC. They have yet yo prove I owe the debt, but they are sending letters from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I pulled a copy of my credit report on XX/XX/2023, and the alleged debts are not listed on my credit reports. This company is trying to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
15 U.S.eeC 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive never lived at these addresses, someones been using my identity XXXX XXXX XXXX, XXXX, Mi XXXX XXXX tolling XXXX XXXX, XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.

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