vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter this company has failed to validate the debt. Please delete this information from my credit report and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I DISPUTED THE ACCOUNT WITH THE COMPANY AND THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I DISPUTED THE ACCOUNT WITH THE COMPANY AND THE CREDIT BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
I purchased an item at Sears and paid with a Sears credit card. The item was returned and Sears came and picked up the item. But they are not processing the refund on the credit card and keep sending bills for the charges and adding fees and interest. I have called Sears credit card many times for 4+ months and they are not resolving the issue and keep sending bills. They often hang up during dispute calls and many times when I call, they don't have records of my previous calls or records of their promises to refund the charges. I am afraid that this will affect my credit if I don't pay the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm XXXX XXXX. I got our tax refund back. I looked for a XXXX and it led me to Chime. With 0.5 % interest, it sounds intriguing. 

I opened a Chime account, transferred {$8400.00} ( stupid of me to transfer so much at once ) from our main Bank at XXXX. I got an email from Chime two days later saying my account had been suspended. On Tuesday, XX/XX/XXXX, they asked for Gov't ID, source of fund, explanation of the purpose of transfer. I replied immediately with all of those documents including the screenshot from my main banking app with XXXX stating clearly that the source of the fund is tax refund and the purpose of transfer which is to build savings, it even stated IRS Tax refund so it's super clear. 

On the XXXX XXXX, I got a response back asking for the the back of my Driver 's License and, AGAIN I got asked for the purpose and source of fund. This is when I started to worry as I have previously sufficiently provided all the necessary documents and seriously wondered what happened during the review/ investigation on Chime 's end. I followed up with Chime again. AGAIN, I was asked for the purpose of the transfer, a second government ID, and source of income, they specifically mentioned unemployment check. This is when I got really angry and worried. They have gone totally off rail, asking for new documents without any verification or receipts of what documents they have received from us and are asking irrelevant documents like unemployment benefits ( me and my husband are working and have NEVER received any unemployment ). 

I have been on the phone with them everyday since Thursday, XX/XX/XXXX for at least XXXX hours a day without any concrete answer on why my account was suspended. With bank 's compliance and transparency, they should be able to tell you what they have received and why they are suspending the account. None of that happened here. That's transparency and I have seen NONE of that. All they could was apologize and escalate it to the next level. And ending up asking me to send documents that I have already sent. 

My husband is halfway through XXXX XXXX and is trying to find similar cases to compare to this and we are gathering all the people whose account have been suspended by Chime without any explanation, who went through the same thing and we are looking into class lawsuit. We found out that there has been numerous complaints to the State Delaware where Chime is incorporated and the FDIC. During the search, we found out Chime had closed or suspended many people 's account without any explanation. I felt so wrong to put my household in this predicament. And now our almost $ XXXX is nowhere to be found. 

My objective is to get our money back safely as soon as possible. There needs to be more transparency on online banks like these. There has to be legislation that guides this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello, I have been a JP Morgan Chase Bank card holder for several years now and I have XXXX credit cards with them at this time. I have a Chase Freedom Unlimited # XXXX and a Chase Slate # XXXX. I do not carry balances from month to month so Chase has decided to put me on a blast mailing list where they send me promotional checks urging me to transfer balances or to make purchases with the promotional checks. I have called them 3 times now and asked them politely to stop mailing the promotional checks to me and the representative has reassured me each time that they will no longer send the checks to me, but they are still continuing to send me the checks for both accounts. I would estimate that I receive the promotional checks 2-3 times a month for both accounts which means I get 4-6 mailings from them per month with these promotional offers. I then submitted a message to them XX/XX/2022 from my online account asking them to stop and stated if they didn't stop, I would be filing a complaint and yet I received 2 more promotional offers in the mail today so it seems as if they think it's funny. I am concerned that with them sending so many of these to me that someone will get their hands on the checks and have a hay day at my expense and I also do not have any need for them so I just want the mailings to stop. Is there anything that can be done to get them to stop besides closing my accounts? I use the cards, but payoff the balances each month so I would prefer not to cancel the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter this company has failed to validate the debt. Please delete this information from my credit report and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. 

Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.

There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.

12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.

15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. 

Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting 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 explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
On Monday XX/XX/21 I responded to an ad on XXXX regarding a rental house, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. Person from ad said it's available and to correspond with him by cell, XXXX. He sent me an application by email which I filled out and he accepted, then asked for a deposit and cleaning fee. He, XXXX XXXX, gave me his wife 's email, XXXX XXXX, and bank info at XXXX to transfer the money by XXXX, {$2000.00} total. After I sent it from my bank, First Republic Bank, he started to get frantic because it wasn't showing up immediately, it showed up the next morning since my bank is in California where I live. It showed up the next morning in his wife 's account. Next he asked me for another {$500.00} for a problem that the cleaning people had created in the bathroom. I did not send the money, he kept texting me to " please, please '' send it. He said he couldn't show me the house until it was fixed. I kept refusing to send the additional money. He was supposed to give me the keys on XX/XX/21 at noon. He texted me again that he was waiting for the {$500.00} before he would turn the keys over, I still refused and the meeting time kept changing.I Googled the house and it showed as " Sold '' on XX/XX/21. I went to the XXXX XXXX XXXX XXXX XXXX and searched the records for his or his wife 's name on the purchase. Neither name could be found on any documents. I drove by the house and there were people there, same cars XXXX days in a row. I asked for a refund and he said his wife used the money to pay the mortgage on their other house. I have all the texts and emails including their account info at XXXX. I reported it to my bank immediately. On XX/XX/21 I received a letter from First Republic Bank saying : Based on the results of our investigation, we have determined that the transaction was transmitted or authorized by you through a valid Banking Online session. 

It appears that this should be covered by Regulation E based on the guidelines on your website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has placed a collection account on my credit report via Equifax in XXXX of XXXX 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted XXXX XXXX XXXX XXXX to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with Equifax on XX/XX/2022 ( Equifax confirmation # XXXX and on XX/XX/2022, Equifax responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me. 
I have mailed to XXXX XXXX XXXX XXXX a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from XXXX XXXX XXXX XXXX to validate the debt. Additionally, I never, ever received an notice of this debt from XXXX XXXX XXXX XXXX prior to the company submitting the alleged collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: MT

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX TransUnion LLC mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo charged me money to withdraw the balance that existed in my account. i requested to have my account closed. Two days later my checking account showed a negative balance from a transfer that I could not have done because the existing balance was XXXX. they tried to charge me extra money from this transfer I did not request from an account that was empty

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear sir, Recently I have applied for an American AMEX XXXX XXXX XXXX credit card from americanexpress.com. I got my new credit card and have not yet received my welcome offer. They mentioned that you would get the following benefits a {$300.00} Statement Credit and 12 months 0 % APR at the time of application. I have talked to them in this regard, but now they have denied the welcome offer because you have already been a customer with us. The terms and conditions mentioned as The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this Card. 
I have had a different Amex card, not the same one which I have recently received. Please help me in this regard ; otherwise, I have to pay with interest, which would be a burden for me. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
I WANT TO CLOSE THIS ACCOUNT. KEEPS CHARGING ME FOR OVERDRAFT. THE XXXX  XXXX TOOK 120 DOLLARS AND THEN I RETURNED IT BY 130 DOLLARS. I WAS CHARGED XXXX XXXX DOLLARS. PLEASE FREAKING CLOSE THIS XXXX ACCOUNT. THIS IS THE WORST BANK. I CANT CONTACT CUSTOMER SERVICE, THE MANAGER FIXED IT AND THEN DID NOT CLOSE THE BANK ACCOUNT. JUST CLOSE THE XXXX ACCOUNT. 
XXXX I DONT LIVE IN NEW YORK . I LIVE IN XXXX, KANSAS AND CURRENTLY IM OUTSIDE OF USA PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: MT

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX Experian mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX of 2019 I began the refinance process with Wells Fargo. 3 months into the process even after paying for and complementing the appraisal of the subject property I was denied the loan. I expressed my frustration and concern that I was being discriminated against as a XXXX man. I later moved on with another lender and closed within 30 days.. 
I believe I fall into the class action against Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2022 my federal tax return was deposited to my American Express Serve card. That day I used my card and withdrew {$700.00} and made approximately {$50.00} in other charges, gas, etc. I was unable to withdraw more than {$750.00}. However, the following day ( overnight while I was asleep ) someone I let stay with me stole my card and made over {$3200.00} in fraud charges before I woke up and realized and cancelled my card and requested a new Serve card. I started a dispute over these fraud charges in which I was declined a few days ago. This seems so unfair that they could fraudulently charge more than I myself was even allowed to make purchases on the previous day! Any help is greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I requested via mail my Free Annual Credit Report. Instead, I get a post card notifying me that they are unable to provide me my credit report, but there is no identification information as too whom it is from. The other post card states practically the same thing but identifies itself as XXXX XXXX. This appears to be an attempt to deceive or at the very least mislead consumers as it violates the FCRA by delaying my credit report or simply in order to discourage me from obtaining the report, much less attempting to resolve errors contained in them. I've verified the address my creditors and it is the very same one I am requesting my Report be sent. Their attempt to extort information is simply data mining from consumers by holding hostage their credit report.

Company response to consumer: Closed with explanation