vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: IL

Complaint narrative:
NetSpend restricted my account after enrolling debit card without my permission and even so I have agreed to pay it but they or telling me that my social security number or security question etc is not enough I've been on the phone with different agent even supervisors all Day they've pretty much robbed 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting some personal information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have submitted a dispute with all 3 credit agencies with regards to a XXXX account that appears on my report. This account is reported as a loan, that is first of incorrect as a XXXX account is not a loan. Secondly, I asked the creditor to send me verification of the debt as I have never had an account with XXXX. I did not receive proof. I requested these items be deleted. I submitted my dispute with Experian on XX/XX/2023 ( a Sunday ) they " completed '' the dispute on XX/XX/2023 less than XXXX hours later. It seems impossible that a dispute can be properly validated in less than XXXX hours. I have tried to contact them and sat on hold for hours. There is no way E-oscar is verifying these items. Something must be done as there are several other disputes that they have " validated '' that have had to be removed. Also, the other 2 reporting agencies have not validated the same debt that Experian states they have. I feel these reporting agencies do not do their job. They are merely going by what an artificial intelligence platform provides to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX XXXX XXXX ( 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 furbish 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : XXXX XXXX XXXX. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : TD BANK N.A. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The items in dispute are the Incorrect Aliases that LexisNexis XXXX is reporting on my report LexisNexis XXXX Report. This is my third notice to LexisNexis regarding the incorrect aliases that they are reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER been known by these names and I have NEVER been associated with these names. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit 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: UMB FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is in continuation of the closed file that has not been addressed : AFFIDAVIT OF STATEMENT I am continuing to ask for the same information that I did not receive from the previous closed out reference account below : XXXX Print complaint Closed The company sent alleged payments XXXX XXXXI was out of the country. They have manipulated the payment history or practicing RICO violations. 

I asked the company to provide payments transactional report for all payments made from XXXX to XXXX based on the Anti-Money Laundering ( AML ) Law and eDiscovery Laws govern by Banking Institution. 

The company sent the Credit Card Agreement Pamphlet for STATEMENTS OF PAYMENTS FOR XXXX 

These payments were not made by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the XXXXXXXX XXXX XXXX and spoke with XXXX XXXX who said it was a Wells Fargo account for an outstanding judgement for {$5400.00}. 

I do not have a Wells Fargo account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have received a letter from XXXX XXXX XXXX with a judgement notice. The case number after further review is FALSE. They have stated to garnish wages which should not be the case this debt is past statue of limitation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX which purchased the debt from XXXX XXXX  credit card. I have searched the county courts and their is no record of it. I have called them on XX/XX/XXXXXXXX  and again on XX/XX/XXXX. I spoked to a representative from the law group who refused to left me speak to supervisor. I would like for XXXX to stop contacting and using unethical practices. The debt is from XX/XX/XXXXXXXX  New York state collection law is seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Several months ago, I opened a credit card account with PNC Bank. I requested that my statement be sent to my home in hard copy. I never received any statements. As a senior citizen ( Age XXXX ), I trusted PNC to honor my request and send me my statements so I can compare my receipts with the statement. Despite many requests not only from me but also from XXXX XXXX at the XXXX XXXX, AZ branch. The Branch Manager XXXX XXXX tried to work with the credit card department. He told me they expected my call. When I called I talked to Supervisor XXXX ( XXXX ). She basically called me a liar when I told her I NEVER received any statements. I told her my address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX. 

XXXX XXXX XXXX said she sent the statements to that address. If that was the case why have I not received any statements? 

I believe PNC Bank is scamming seniors. We open a credit card account, expecting our statements to be sent to our home. If they do not arrive, don't know payments are due and don't pay. This results in fees and interest payments. Despite complaints about the lack of delivery, nothing is done. Fees and interest build up without our knowledge. This is an easy way to increase revenues and harm a very vulnerable section of our population. Since there are no statements, I can not produce them as evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX XXXX 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 furbish 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX XXXX 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX ( XXXX XXXX XXXX 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 any 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been using an investment platform to wire money for trading. Up to this point, I have had no issues. But, on XX/XX/2023, I wired money to this recipient, XXXX XXXX, to deposit into my investment account. A week later, the platform told me that the transaction did not complete and that I needed to go back to my bank ( JP Morgan Chase ) and request for a wire recall. I have filed a case with Chase and told them I was scammed. This is a fraudulent activity because the recipient stole my money. When Chase contacted their bank, XXXX XXXX XXXXXXXX XXXX  their bank said they were unable to return the funds. They said that if this is fraud, that Chase needed to send over a Hold Harmless Letter. I spoke with my bank and asked them to send that letter but their Claims department rejected my claim and said that because I authorized the original wire transfer, that this does not fall into their definition of " fraud '' and therefore they would not be able to send the hold harmless letter on my behalf. Meanwhile, the Chase wire research team is continue to reach out to that other bank to ask for a recall. At this point, I don't know what else to do. My bank is not cooperating and helping me and I've lost a significant amount of money that I don't think can be recovered. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CT

Complaint narrative:
Money was sent to the wrong person Name XXXX in the some of {$450.00} on the XXXX of XX/XX/2023 a XXXXXXXX XXXX name of company the transaction was made through .when found out the payment was sent wrong, inform them through the app by way of canceling the transaction and request a refund within XXXX minutes. Call the next morning to confirm the transaction was canceled, was told to wait for a reply and refund .on the XXXX I received a confirmation email from cashapp that the issue was resolved and the money will be sent to my account. Today is the XXXX ot XXXX and no money was received or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In according with the fair Credit Reporting Act XXXX  Account # XXXX -XXXX  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 furbish 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the Guster law firm and spoke with XXXX XXXX who said it was a XXXX XXXX account for an outstanding judgement for {$5400.00}. 

I do not have a XXXX XXXX account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Spring Equity LLC
State: IN

Complaint narrative:
We started our refinance through XXXX Mortgage. They use the company Spring EQ for loans such as ours that involve refinancing and HELOC. This process started around late XXXX early XXXX of XXXX XXXX. We provided everything that XXXX needed and they would keep in touch with Spring EQ. As far as the first few months of the loan process go we are in the dark or have bits of information from XXXX about XXXX XXXX because Spring won't answer them or us. They kept requesting documentation all throughout the loan process even after we all assumed the underwriting process was over since it would take XXXX days which was quoted. We paid {$520.00} on XX/XX/XXXX to Springs appraisal company XXXX XXXX and got the paperwork back XXXX first. The loan process has taken so long that it has been restarted twice and now in a few days it will be a third time. The first loan I and my husband was apart of, so the appraisal was in my name since I paid for it. Now before we were told closing is soon they get a notice back from the appraiser that they couldn't go through with Springs request to change the name from mine to my husbands on the appraisal document. That it was illegal and Spring should have known that process. A simple name change turned into weeks of waiting and no response. The company has continued to ignore XXXX mortgage who has been waiting for a clear to close. I messaged Spring on XXXX today XX/XX/23 and they said the issue would be escalated and XXXX XXXX would reach out. I was told she was an XXXX, but when she called she said there was nothing more she could do and would escalate the issue again. We emailed XXXX XXXX as well and tried to contact her multiple times to no avail and it has been weeks. We don't have dates of action from Spring EQ because they haven't performed any actions. Spring had us lower our requested amount due to our appraisal being low ( though other places had us at a higher rate ). Each time we push out closing we increase the rates and lose the original amount we wanted. It's almost like they do it on purpose. My husband has taken off time for work to provide documents and deal with XXXX through XXXX. We both have received papers in the mail stated the loan was terminated due to incomplete credit application so we wonder if the company has been taking our personal information, but not doing anything at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I asked Bank of America to wire money from my checking account to a brokerage account. Bank of America will only let me make the wire transfer from its website. The User Interface is not sophisticated enough to allow me to successfully transfer the funds. The wire page allows me to enter a routing number and a account #. XXXX, my broker, uses XXXX, a bank, to receive its wires. I can get the money to XXXX with the routing # and account #. However, without including the brokerage account #, XXXX rejects the wire. I asked Bank of America to help me customize the wire to include the brokerage account #. Bank of America refused to do this. There was no willingness at all to offer a modicum of customer service to resolve this issue.

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