vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. 
The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. 
I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
Someone I dont know never did business with name $ XXXX in XXXX XXXX sent me a deposit for XXXX on my cash app XX/XX/23 and I immediately return it back to them. On XXXX I received a text message from cash app stating that they were taking XXXX out of my credit union bank account to pay $ XXXX. I immediately contacted my bank and the transaction was pending as I purchase something. The bank advise me that they were unable to dispute the charge Because it was still pending until XXXX. I contacted Cash app and they advised me that the person disputed the charge with their bank and and unfortunately, there was nothing that they can do about it. I reach back out my bank and the funds were taken out on XXXX XXXX and XXXX XXXX XXXX started the dispute. I asked my bank why they release funds on a dispute when they never seem the original charge. They said cash app sent it over as if I was purchase and there was nothing to dispute. I contacted cash app again and they said they see the transaction of it being sent to me and me returning the money and if it was a dispute they should have follow what she did with the XXXX. They basically told me my lost and she got XXXX and there nothing I can do. 
I am waiting on my bank and Im in the process right filing charges on the person once I found out who they are and filing charges on cash app. I feel like this is someone working inside cash app doing scams

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Several transactions were made by phone transfer from my Wells Fargo credit card to my checking account, fraudulently. Because the money went to my checking account and was subsequently withdrawn fraudulently, fees and interest were not assumed by the bank. I paid the credit card, for fear of being reported to credit agencies, and made the appropriate fraud reports in a timely manner. Multiple calls and letters, including a call with XXXX XXXX on the line, have failed to result in crediting my account. Several calls result in departments transferring my call because its not the right department at least 7 times per call. I have spent many hours on the phone with Wells Fargo, without success.

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 2023-07-19 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new XXXX. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is 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 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake will not responding to my Disputes that I am responding neither are the credit agencies and I have sent in letters a few times and attached my FTC 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 2023-07-19 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: NY

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I purchased a prepaid gift card on XX/XX/XXXX, from XXXX, my local grocery store in the amount of {$230.00}. After registering the gift card, I was scammed. I called the toll-free number, XXXX found on the back of the card, and they explained that they could not speak to me about the card because I wasn't the owner of the card. I explained to them that I purchased the card and have the card in my possession and that's when I discovered someone in Texas was using the card. The customer service agent explained that I needed to file a claim and to submit a copy of the front and back of the actual gift card, my receipt, and a copy of my drivers license to prove that I was the owner of this card. I faxed this information to ( XXXX ) XXXX. I followed up and they informed me that I needed to wait XXXX business days to receive the fax and process this information. I have been following up every since. At first, they said the picture were too small and illegible. I resubmitted a clearer copy of the card and my id. They received it and stated I needed to provide a larger copy of my id. I have faxed it over 4 times and continue to follow up. I feel as if they're giving me the run around now. I faxed the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and the issue is still not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or about XX/XX/XXXX   I, XXXX XXXX had a problem with my car that I informed my bank WELLS FARGO how the merchant did not properly repair my car. 
I, XXXX XXXX SENT WELLS FARGO INFORMATION ON HOW THE MERCHANT XXXX XXXX  DID NOT FIX MY CAR PROPERLY. AND ABOUT VISA POLICY HOW IF A MERCHANT DOES NOT REPAIR THE PROBLEM PROPERLY THAT THE BANK WILL REFUND A PERSON MONEY. WELLS FARGO, STATED THEY WERE RETURNING THE FUNDS THEN TURNED AROUND AND TOOK THE MONEY BACK. 
WELLS FARGO, IS NOT FOLLOWING VISA POLICY CORRECTLY IN ABIDING BY THE POLICIES. WELLS FARGO HAS BEEN DECEITFUL IN THIS MATTER AND XXXX XXXX IS DEMANDING THAT THEY GIVE HER BACK THE MONEY THEY SUPPOSE TO HER ACCOUNT. I AM WAITING TO HEAR FROM WELLS FARGO BEFORE A SMALL CLAIMS COURT LAWSUIT IS FILED IN THE COURTS. WELLS FARGO HAS A BAD HISTORY OF NOT DEALING TRUSTWORTHY OF CUSTOMERS.THIS IS NOT RIGHT. I AM ASKING FOR CFPB TO LOOK INTO THIS MATTER 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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I was alerted by my XXXX app that an open collections had been placed on my credit report by Amsher XXXX Collections on behalf of XXXX for {$400.00}. I was alarmed because I have never done business with XXXX ever in my life. I immediately checked my credit report for other fraudulent activity, but found none. I then disputed the collections with all three of the credit bureaus, but found Amsher later supposedly verified the information, which is again false. Amsher sent me the bill from XXXX that they were basing their information on, and I found it was from and address that I haven't lived at for over 10+ years. Amsher sent me a form for identity theft and instructed me to complete it and sent to XXXX, but again they never verified that I opened the account with a SSN #, signed document, store that they were purchased at..nothing, because again it was not me. I contacted XXXX directly and created a case with them ( case # XXXX ), but have yet to hear anything back from them. I have emailed Amsher several times asking to speak to a XXXX to have this fraudulent collections removed, but have not heard anything back. After looking up online what should I do, I found that many other consumers have had the exact issues with both XXXX and Amsher Collections. When I contacted XXXX, they could not verify the XXXX # that the phones were purchased with, and there was no hit on my credit reports ( hard or soft hit ) on my credit report for XXXX. It appears that Amsher found the matching name and previous address on my credit reports and simply applied the collections to my credit report with any due diligence on their part. I am very frustrated as this has cost me both time and money to get something off my credit report that should have never been put on there in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX  I check my balance on XXXX Originally when I had saw the debt on XXXX it was XXXX I was set to pay that I was never disclose that the debt collection will be adding fees Today on XXXX XXXX I learned they will be charging me {$800.00} in fees that was never disclose to me I called the dental office where the debt is coming I made {$300.00} in the year of XXXX Which mean the debt decrease to XXXX but I check its {$3000.00} Not only the debt collectors arent updating anything but adding without disclosing any information I had no idea how it and when it happened but its got to go Even when I had ask for debt validation they sent me XXXX nothing more Dental office clear it was that amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Recently on the news Bank of America was overcharging for fees and over drawn accounts. I have had a checking account with Bank of America for over 5 years and it was a big problem up until a year ago. I want to be able to be compensated for the money that was taken out of my account and used in their company. I want to file a class action lawsuit and get my money back that I earned by working.

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 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
WAS LOOKING FOR THE CAR BUT NEVER GIVE PERMISSION TO RUN MY CREDIT REPORT WITH THE BELOW BANKS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
American Express sent my card to an old address, therefore it was returned to them. Around the same time, I had changed bank accounts and forgot to switch over funds to the bank account before the payment was pulled. The payment was attempted twice, then returned. I then got a notification that the account was closed. And despite my excellent payment history, and explanation to multiple customer service agents, they still refused to reactivate my account due to my FICO score, which should not have even been pulled again in the first place since I had already been approved, and had the card for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK

Complaint narrative:
I opened a citizens checking account last month because there was a promotion that is going on, one of the terms of the promotion is if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my citizens checking account with the amount of {$500.00}, i was also using the debit card on XXXX. Then, out of the blue, my debit card was deactivated and i could not access the account at all, i called in and they said they dont know what is going on and i will get a letter, today i got a letter from citizens fraud department saying my account was closed without any information and i still have money in that account. Why did they close my account after i completed the required activity to get the bonus? Are they trying to skip not paying me the promotion after i completed the requirement by closing my account in the name of fraud? Where is the money that was still in my account? They were also threatening me by saying that if i keep using the account then they will freeze it which doesnt make sense because they said the account is closed and i still have my money in it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On numerous occasions Ive asked for the information on this debt, its showing XXXX different amounts owed, but I have no idea where this debt originated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc
State: GA

Complaint narrative:
I have received 4 calls in 2 days from XXXX XXXX XXXX XXXXXXXX, debt collectors seeking to collect a debt of some guy named XXXX. I dont know anyone by that name and I have asked them to stop calling but they persist. This has happened for years with different collection agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
im a victim of identity theft and ive been unable to resolve all this with the companies under my credit report theyve refused to remove this off my social security number i know my ssn is out right now being freely used and all i want is a new SSA. i dont have a bad ccredit score this isnt an attempt to escape my debt, in fact i dont have any debt i just have a lot of fraudulent accounts i never opened under my credit report. my name is XXXX XXXX XXXX my dob is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief