vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was the victim of identity theft in XX/XX/XXXX, and a seven year freeze was placed on my credit report at all three bureaus. When I needed to temporarily lift the freeze for a mortgage to be processed, I sent Experian the required identification documents on two occasions with a request to supply a retrieval pin so that I could designate when and to whom my credit file is opened to. Attached are the responses that I received, and this has been going on since mid-XX/XX/XXXX. I have already lost a real estate property due to their inefficient handling of my request. 

XX/XX/XXXX : I requested a retrieval pin to lift my security freeze ; They sent a letter that THEY TEMPORARILY REMOVED the security freeze in Mid-XX/XX/XXXX ; XX/XX/XXXX, I again requested a retrieval pin # : XX/XX/XXXX, I received a letter stating Experian PERMANENTLY REMOVED THE SECURITY FREEZE! 

This process is so easy with both XXXX and XXXX  -- I can call, identify myself, and they open the file for the designated period and purpose. Now, I am afraid that they, based on the Experian debacle, will lift the security freeze and leave me vulnerable to another identity theft episode that was absolute XXXX to maneuver through before.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have an account with chase bank. I reported a dispute on XX/XX/2020 for a little over 700 dollars. These disputed charges included a XXXX XXXX restaurant charge, atm withdrawals from 2 different locations including one in XXXX. I reported the dispute after noticing the charges in the middle of the night. I called chase and the automatic machine directed me to lost/stolen cards division to report the dispute. One week later the dispute was denied, and the reason was due to me not informing that the card was stolen. This was false because I did report it stolen, even when directed by the automatic machine. I appealed this dispute many times, and later was moved to the executive branch department to handle. The executive branch at chase still denied my dispute. I feel like this is very unfair to be charged for something that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Attempted to resolve an automation error via ACH which caused numerous automated fees and cascaded problems along with money theft from BOA. 

I have tried for the past 2 years to resolve the issue, the theft is obvious as the company has taken money out of my account, held it for 5 business days and put it back without consent. 

The money was CASH not a check or otherwise agreeable hold, it was automaton that stole my money and then made my checks or transactions fail in the time it took the money. 

I demand reimbursement and credit fix!

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 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX  filed an eviction with an amount of {$4000.00} owed. The eviction was filed after I no longer lived there. I moved out of the apartment at the end of my lease in XX/XX/2018. I believe the eviction was filed in XXXX or XXXX. The debt is now held by National Credit Systems. 
Furthermore, I was not in any way notified of action being taken against me. I was unable to dispute the " eviction '' or amount they claimed I owed them. I did not know anything about this claim until a year later when I noticed it on my credit report. 

The money is not owed and I was not given a chance to dispute it or show evidence. I was not notified that any action was being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Fifth Third Bank allow an account to be open for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name printed on the checks was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. There were two accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the different entity names on the accounts and checks we believe that fraud, and money was being laundered through these accounts. 
When deposits were being made into account it was believed to be for the Entity XXXX   XXXX XXXX XXXX XXXX XXXX XXXX as checks were being written from this account for this entity. On XX/XX/XXXX I was notified that I was removed from the Fifth Third Bank accounts that was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, with being removed from the accounts we found out that the actual entity name on the account is actually the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This prompted us to check on the validity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a legal entity, and it was determined that XXXX  XXXX XXXX XXXX XXXX XXXX XXXX wasnt a legal entity. 
Since XX/XX/XXXX Fifth Third Bank has allowed funds to be deposited into accounts that does not belong. The Entity names for transactions such as deposits and Withdrawal were all completed under an entity name that did not exist at the time. According to all checks weve written, and all deposits made was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the Entity name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All deposits were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but went into accounts with entity name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
All funds in account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be for the entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now currently a valid entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
When looking at my credit report on XXXX XXXX under enhanced recovery one bill was for XXXX and the other XXXX attempted to reach out to collection agency on XX/XX/30 asking for a deletion which agency states the do not delete only paid in full letter ... I will not pay for an account I have no knowledge of, secondly they can not provide validation of said debt, no signed contracts for the original creditor XXXX only a bill which is verification of debt not validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This Credit Bureau is reporting incorrect Bankruptcy Chapter XXXX to my credit report. The information is wrong and this file should be removed from my credit report. I tried to request this credit bureau SEVERAL times as the other credit bureaus cooperated very easily. This credit Bureau stated the Bankruptcy is verified as accurate and remains. I then contacted the US Bankruptcy Court and ask them what is being verified or what are they reporting to the credit bureaus. 

I have attached a letter from the US Bankruptcy Court agreeing the credit bureau 's information is incorrect and should be removed. The court stated in this letter, it's my right to request this credit bureau to remove this incorrect info from my report. 

I expect this credit bureau to remove this Bankruptcy XXXX file in 30 days, or my lawyer will request to handle this in court. My lawyer, the XXXXXXXX XXXX  XXXX and myself are waiting for your response, as we are ready to take legal actions is this is not removed within 30 days. 

I also have other supporting documents requesting this to be removed from my credit bureau, that the court attached. However, I am not going to include them, as it has my personal info on them and i do not wish to upload them for my own privacy.

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 2020-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2010 we bought our first home together XXXX XXXX XXXX XXXX XXXX   XXXX they said to not put me on the loan but the deed. They did neither my husband took my youngest and put me homeless With conspiracy from the bank and loan. Wells Fargo. We came to XXXX people ran sacked our home took everything.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Pnc online banking will not allow XXXX to link to my account even though I am giving XXXX permission and Pnc says they wont do so because of a security issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
There was an account made in my name from moneygram. I did not make this account. I did not authorize any funds to be transfered to XXXX. It was dated for XX/XX/2020. The company did not follow protocol on follwing up with ID information for authentication. They allowed funds to be transfered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: AES/PHEAA
State: PA

Complaint narrative:
As of XX/XX/2020, the Credit Report still reflects inaccuracies in terms of account status. I have tried rectifying this with AES and XXXX, and I have yet to see any changes. 

Because AES has failed to act on these reports, the beginning stages of a Civil Suit have begun on my part. Unless you respond to this complaint within no less than 72 hours with an actionable response to correct the information on the Credit Report, further motions to sue PHEAA/AES will commence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX  and XXXX  credit Report. 

My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. 

As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. 

Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. 


Unauthorized account information below : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing in response to updating my address along with my phone number in all 3 credit agencies. I have tried to figure out how to do it but can't and seem to get no help when I call. All I am asking is that my address and phone number be put on my credit report and all fraud and freezes be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX, I run a XXXX XXXX XXXX XXXX. 
In XXXX I deposited {$30000.00} into a Wells Fargo savings account. 
I applied for an unsecured line of credit and was denied by Wells Fargo. 
So I opened a secure line of credit using my savings account at collateral. 
Wells Fargo put a hold on {$29000.00} in my savings account. 
Wells Fargo authorized a secure line of credit for {$27000.00}. 
I made all payments to the line of credit on time. 
I was never late and I never missed a payment. 
On XX/XX/XXXX I paid the outstanding balance on the line of credit down to XXXX. 
Several days later I asked the local Wells Fargo branch loan officer to cancel the line of credit, he advised me that he could not do that. He told me I would have to call Wells Fargo customer service. So I called Wells Fargo customer service and closed the line of credit. 
The Wells Fargo customer service rep told me that the funds would be released once the system updated. 
It has been 19 days since the account was closed and Wells Fargo still has a hold on my {$29000.00}. 
I do not owe Wells Fargo anything. 
Wells Fargo is not claiming that I owe them anything. 
However, Wells Fargo is continuing to hold my money. 
I need access to my money to run my business. 
I have called Wells Fargo numerous times and waited on hold for over an hour on several occasions ... nobody has helped, they always say " it's another department '' or, " there's nothing I can do ''. I have send multiple email requests through the online Wells Fargo message center to have the funds released and I have only received one reply. That reply said, " there is nothing we can do, please call customer service ''. 
I just want my money released.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute to Experian regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : BANKRUPTCY CHAPTER XXXX-DISMISSED Filing Date XX/XX/XXXX Amount {$0.00} Reference Number XXXX Court Us bkpt ct nj XXXX Specifically I asked Experian to verify this information and show me how they had verified this information. 

They replied me on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, The 3rd party is not specified. Here is their response : US BANKRUPTCY COURT NEW JERSEY Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy Credit card through Citibank. Card has never been late and has been fully paid off for months. I was charged a {$99.00} annual fee and within 90 days of the charge asked to have the account closed and the fee reversed. They closed the account but did not reverse the fee and are starting to send late notices after I have asked repeatedly to reverse the fee on the now closed 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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The card has a {$500.00} credit limit and is used for my husband to buy gas and groceries. I make payments on it often, sometimes more than once a week. Also, I have two cards with this company and I have never had this issue with my other card. Usually, if I arrange for the payment in the afternoon the money shows up the next morning. However more and more often they are placing a hold on my payments of 7 days. I am not notified of a delay in fact I get a message saying my payment has posted! Luckily I checked the balance before going to the store. I have to call in when I notice it and I get transferred to the fraud department who calls the bank with me to verify the money has cleared. Today I played their little game, I even had to tell them what I intended to buy with the funds on my card ( Food, people need groceries to live )! She called the bank and chose the automated option and asked me to enter my card number. I entered the number and pin like the bank indicated and had the automated system read the last transactions. The XXXX XXXX payment of {$250.00} was listed as cleared on XX/XX/XXXX. At this point, I had been on the phone with them for 45 minutes. I asked the representative if that was all she needed and she said now they needed to talk with a representative at the bank. This is ridiculous. I made a payment, I verified my identity to them, I was able to access the bank and the payment was verified. They kept stalling and I still don't have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: CNG HOLDINGS INC
State: PA

Complaint narrative:
This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: Security Credit Services, LLC
State: PA

Complaint narrative:
This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from XXXX. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with XXXX  in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX  ''.

Company response to consumer: Closed with explanation