vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts (XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX DEALER SERVICES XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
My business partner and I opened a checking and savings account with Chase Bank XXXX in XXXX XXXX last year, 2019. They provided us with a 3 checks as a part of our welcome packet. 

{$1000.00} was withdrawn from our account via a fake check that had our account number on it on XX/XX/2019 at XXXX XXXX with an entity named XXXX XXXX XXXX XXXX XXXX the east coast. 

We filed a fraud claim with Chase Bank that they rejected on the premise that the 3 unused checks they provided us were not safely locked in a XXXX XXXX ' personal residence. They claimed that someone could've seen the account number on the 3 checks and created a fake check to cash hundred of miles away from XXXX XXXX. 

We urged Chase to reconsider our claim by talking with their fraud department on multiple occasions, stating that the name and address on the fake check was someone unrelated to our business, so the check should've not been processed in the first place. Chase continued to reject our claim on the basis that the checks were not locked away in a personal residence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I numerous credit inquiries on my Experian credit report unknown and without my consent. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. I disputed the inquiries and they came back verified without proof of my consent or sign documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I never received credit for a check I returned and never cashed. ck # XXXX for {$2000.00} dated XX/XX/XXXX. 

I was charged a late fee for an illegal, improper debit of my account for a mortgage payment on XX/XX/XXXX while they were holding my check # XXXX for that payment which they had received XX/XX/XXXX via XXXX and did not process until XX/XX/XXXX. 
I believe the late fee of {$20.00} was imbedded in a improperly posted deposit I made to the escrow account on XX/XX/XXXX for {$360.00}. I only received credit for {$340.00} deposit despite the amount on the actual check. 

My mortgage was sold with incorrect balances to XXXX effective XX/XX/XXXX and these issues were never acknowledged or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: GA

Complaint narrative:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX  HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: GA

Complaint narrative:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. EXPERIAN DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Good Day I had an account with XXXX about 2 years ago. It went into collection, which I started paying on the account since I received the collection notice. its been 2 years and my account has been sold 3 or 4 times without notice. I made a payment on XX/XX/2020 and on monday XXXX I received a notice that Resurgent capital has the account. 
XXXX was the first collection agency that had my account where I was making payments monthly. then XXXX XXXX XXXX had it next where I was making biweekly payments. 
When I email XXXX they say Resurgent capital has my account even though I was making payments to the other two collection agency. I feel like XXXX  is doing something that is not correct. If I am making payments why is my account constantaly being sold all the time.especially when I am making payments. I dont even get a notice even though they are taking the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2020 This complaint is against PayPal Credit Card for deliberately ignoring my dispute of a billing error on their statement dated XX/XX/2020 in violation of section 1666 of the Fair Credit Billing Act ( FCBA ). 
On XX/XX/2020, I contacted PayPal Customer Service by phone and spoke with a Customer Service Supervisor named XXXX. I informed Ms. XXXX that I am calling to dispute an amount listed on the XX/XX/2020 billing statement because I believed it was a billing error. My dispute was based on PayPal Credit ACCOUNT Agreement section titled YOUR BILLING RIGHTS SUMMARY and the FCBA.

After receiving my dispute, PayPal was required by FCBA to take the following actions : 1- Provide written acknowledgment within 30 days of receipt of the dispute.

2- Conduct an investigation of the disputed amount. 
3- Provide me with a written explanation or clarification after having conducted an investigation, not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after receipt of the dispute. According to section 1666 of the FCBA, the written explanation should set forth the reasons whether the creditor believes the account of the obligor was correctly shown on the statement, or whether there was an error.

It has been more than 90 days since I contacted PayPal Customer Service and submitted my dispute. However I have not received ( 1 ) an acknowledgment letter within 30 days and ( 2 ) I have not received a letter explaining the results of the investigation and whether PayPal Credit has found the amount in dispute a billing error or not.

PS : THIS COMPLAINT IS ONLY ABOUT PAYPAL CREDIT IGNORING MY DSIPUTE. THIS COMPLAINT IS NOT ABOUT THE DISPUTED AMOUNT. I RETAIN THE RIGHT TO SUBMIT A DIFFERENT COMPLAINT ABOUT THE DIPSUTED AMOUNT IF NEEDED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020, I purchased six travel tickets from XXXX for {$450.00} each. Due to COVID the flight was cancelled therefore I opened a dispute with CITI bank for a total of XXXX. I received a conditional credit on my XXXX statement for all six tickets. I contacted XXXX and they confirmed the tickets would be refunded back to my CITI credit card therefore I withdrew my dispute and CITI reversed the conditional credit on my XXXX statement. On XX/XX/XXXX I received six email confirmations from XXXX showing that all six credits were applied back to my CITI credit card. 
However, when I received my XXXX statement there were only credits for 5 tickets. Three of the credits are noted as Citibank credit for dispute and two tickets as credits from XXXX. 
I have tried contacting CITI bank numerous times regarding the outstanding credit but I keep getting different stories everytime I call. I was told by a CITI account manager that XXXX did not process the sixth credit therefore I would need to contact XXXX. I called XXXX and they confirmed all credits were shown as refunded to CITI and they even agreed to a three way call with CITI to resolve the issue. CITI was not cooperative and I was told there was nothing they can do because the investigative team is a third party and I would need to wait 7-10 business days for an answer.

Each and every single time I called CITI I was told to wait 7-10 business days in order to get a response. We are now going on four months and I have not been able to resolve this issue with CITI. They are holding my {$450.00} credit and have not applied to 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 monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERIASSIST AR SOLUTION. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERIASSIST AR SOLUTIONS or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERIASSIST AR Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX, Washington  Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XXXX-XXXX  which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
On XX/XX/2020 I was scammed out of {$1000.00} for an online purchase. I reached out to my bank Wells Fargo to dispute the charges. I was told that a claim was open, I should be receiving my money back into my account and someone from Wells Fargo should be contacting me within 7 to 10 days. No one ever contacted me. I called back and Wells Fargo said I should be receiving something in the mail. I never received anything in the mail from Wells Fargo. I called back to Wells Fargo to get an update on the claim and was told to call back in a couple of days. I called back in a couple of days and was told there was no claim on file and the process would have to start over. I was informed a claim was opened up, Wells Fargo would investigate and to call back and speak to someone in the advocate department. When I called back I was told someone would call me back and there would be a resolution by XX/XX/2020. I never received a call back from Wells Fargo and had to call Wells Fargo back. There is still no resolution to my claim and I am still getting the runaround for over a month from Wells Fargo. If you could please assist me in getting this matter resolved. Also, I filed an FBI Internet Crimes as well. My FBI report is for {$960.00} however the total amount taken from my account was {$1000.00}. Please let me know if you need any additional information. 

Wells Fargo Claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help 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 2020-11-17 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: Chime Financial Inc
State: NJ

Complaint narrative:
I use a bank online called chime. I used my chime card to make a purchase online on XX/XX/2020 for {$73.00} for one item. I received the confirmation for the one item but I notice that my card was charged twice when my statement came up on my phone one was for XXXX XXXX and XXXX XXXX both from this same company on the XXXX for the same amount. I called the merchant they only see one order in there system but the bank sees 2 orders both for {$73.00}. The bank says it's still pending as of today the XXXX th. But the merchant is still saying there's nothing in there system for this 2nd charge. I look up reviews for chime because I just start using them and I'm not the only one with this issue it's clearly the chime bank who's stealing our money. They won't dispute it saying it's pending.

Company response to consumer: Closed with explanation