vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Got XXXX unauthorized transactions from Bank of America debit card through XXXX  : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. 

Bank of America refunds me with the first one but marked the other two claims as " claim not paid '' reported to both the FDIC and the identitytheft department

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 2023-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
I am trying to dispute a medical collection. I never gave permission to XXXX XXXX XXXX to share my information to a third party. This is a violation of the hipaa law. I need them to delete the collection from credit report asap

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 2023-07-27 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: FL

Complaint narrative:
In XXXX of 2022 a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

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 2023-07-27 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: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX ; I paid a lady XXXX dollars thru square for car parts the payment went thru then a hour later the payment was sent back I guess... it was never sent back to my account... I found out next day square deactivated sellers account and said it was sent back... on XX/XX/XXXX the money showed up on her closed account minus their fees, she was told to refund the money thru her account but it doesn't work. That same day square went back into my account and charged another XXXX dollars ... .The seller got an email on XX/XX/XXXX that her account was deactivated she never saw it... .why did they take my money from the start... .the second XXXX has dropped off my account but the first on has not... .I have no car parts a broke car and square won't give my money back to me... I don't have 90 days to wait and my bank won't help me either ... square should be shut down the way they are treating the average citizen is gross after all without us they are nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023 I received a cashiers check for {$20000.00} I reached out to Chase bank and asked their policy. I was told that likely the check would be placed on a hold however the back office could release the check within a day or 2. Upon receiving the check I went to my local branch and prior to depositing the check I asked the teller about the hold times. She stated that it could be up to 7-10 business days but she would not know until she made the deposit. She also stated that once the system lets her know if I chose to cancel the transaction I could receive that check back. Once she processed the check she gave me a receipt indicating a release date of XX/XX/2023. She said to call the number on the bottom as they can provide more insight as to the time frame. I sat down at the branch and called customer service. The customer service representative explained I would have to call back today XX/XX/2023 and speak to a representative. He specifically told me that he assures me there is no need to cancel the transaction and once the funds can be verified today XX/XX/2023 they would be released. " I assure you XXXX XXXX we WILL resolve this for you tomorrow '' therefore leading me to believe this would occur. I called this morning and after XXXX transfers am now being told that they WILL NOT be releasing my funds to me in part or entirety until XX/XX/2023. It is pathetic for a financial institution of any caliber but especially of this caliber to take advantage of and mislead their consumers to believe once thing and do the exact opposite. 

Again, this is a cashiers check issued to me from an estate account as a result of my mothers death. Regardless of the hold I am familiar with The Expedited Funds Availability Act ( Regulation CC ) which has also been brushed to the wayside in this scenario. 

Once these fund are made available I intend to return to the branch withdraw every cent and close my account. I do not appreciate Chase representatives taking advantage of my lack of knowledge as a consumer and misleading me with fictitious bait and switch statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I just would like to put on the record that Wells Fargo is constantly charging overdraft fees even after money has been put into the account to bring the account to a positive standing they also provided a grace day period allowing for funds to be deposited before being hit with fees it clearly that doesnt mean anything because I still have had to call multiple times within the last few weeks requesting overdraft fees to be reimbursed to me because I have made sure the account was not negative even before the grace period and still they have charged me with overdraft fees

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KS

Complaint narrative:
I had an account with Chime. I was trying to send money to a friend who was at the airport and needed some funds for her and her kid 's luggage. After that was all finished a few days later I get an email stating my account was locked and I needed to provide documentation that it was my account and apparently I have other accounts as well which is entirely inaccurate. They closed my account with funds inside

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All of a sudden I have no experian credit score. It went from XXXX on XXXX to XXXX. Experian website says I dont have credit and no one is reporting anymore. I called my creditors and they said they are. I had to email experian because they dont let you talk to people. Explained my situation and asked them to call me to discuss. They emailed me back and said try their website for answers and they dont call people. 
I was in the process of getting a home loan and now I cant because I dont show a score now. I did when I first applied for the loan in XXXX. 

This is very poor service from a company people depend on for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
On XX/XX/2023 Navient student debt collection called my personal cell number for someone elses loan. They left a message claiming it was urgent, and that I needed to call them back regarding a business matter as soon as possible. When I called back and asked how they received my number for someone else 's loan, they claimed my number was listed as a contact on the account. That is untrue, and I told them so. Being single and not listed as anyones contact, I knew they were being deceitful. After asking 3 times where they received my number and stating I was filing a complaint, Navient then changed their story and reluctantly stated they received my phone number from " skip vendors '' but wouldnt be more specific. I demanded my number be removed from her database as I have not had student loans in over XXXX XXXX. They are obtaining numbers in a malicious and dishonest manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've made several disputes online with Experian regarding an inaccurate 30 day late for XX/XX/2021 with XXXX. In my disputes, I was not able to submit evidence supporting the inaccuracy. I have a statement from XX/XX/2021 showing {$0.00} past due from XXXX. This inaccuracy is negatively impacting my XXXX XXXX and affecting my ability to borrow and increasing my costs of borrowing. I have also sent a certified letter with no response from Experian.

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 2023-07-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX and Experian are both furnishing inaccurate information on my consumer report regarding an XXXX. account. They are both reporting this account as a collection and a charge off. Which one is it. There are a host of Inaccuracies associted with the information furnished.

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 2023-07-27 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
To Whom It May Concern : XXXX XX/XX/2023 I received a letter from Wells Fargo Bank dated for XX/XX/2023. The letter stated that I had a bank account that closed. The letter also stated that any remaining bank accounts will stay open. 

I called Wells Fargo Bank the same day in an attempt to resolve this issue. The associate on the phone may or may not have been an immigrant or someone at a foreign call center in XXXX XXXX. The associate on the phone asked for my social security security number & did not give me any detailed information about the history of account activity using my social security number and personal information. I was not allowed to see any documentation used to open one or more fraudulent accounts in my name. The associate on the phone did not give me any information on steps that I could take to obtain documents connected to the accounts in order to inform law enforcement. 

I do not know how many more accounts might be open at Wells Fargo Banks & other Banks. These people might cause me to lose XXXX while I am experiencing XXXX XXXX and other health issues.

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 2023-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report XXXX- XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX  Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THESE COMPANIES and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, XXXX, and Equifax are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all XXXX inaccuracies in a PDF sent with this compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i sent Jefferson Capital systems a VALIDATION of debt request, requesting certain documentation that can prove the debt is valid and that the debt belongs to me. Jefferson capital  then sent me a fraudulent bill. I asked for a signed contract note, and other documents be sent to me which should be easily found and provided if this debt is valid. Verifying my name and address is NOT validation of debt. Jefferson Capital MUST under the FCRA provide me with all of the documents i requested under the FCRA and the fair debt collection practices, but as of yet has not. Please see the document attached ( 2 ) as i sent them a validation request and a second notice to let them know that the requested documents have still not been received. The attached notification were sent certified mail and verified received. The solution to this issue from Jefferson Capital is that it cease and desist all collection efforts and that the alleged debt be removed from all 3 credit files within 30 days of this complaint. If Jefferson Capital refuses this resolution it MUST provide the following : The agreement with your client which legally grants Jefferson Capital the authority to collect this alleged debt. 

The signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open. 

No other resolution will be acceptable in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Cash App for closing my account without sufficient explanation. My account was closed on XX/XX/2023, without any prior warning or notice. I have attempted to contact Cash App 's customer service multiple times to inquire about the reason for my account closure, but have received no response. 

I believe that my account closure was unjustified, as I have always used Cash App in accordance with their terms of service. I have never engaged in any fraudulent or illegal activity, and have always been prompt in paying my bills and transferring funds. 

I would appreciate it if you could investigate this matter and help me to resolve it as soon as possible. Please let me know if you require any further information or documentation from me. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: AL

Complaint narrative:
I filed a complaint and it was closed with explanation stating that I am basically being sued. That is not true there is no pending litigation that I am aware of and if they are suing me, I have not been served. I need this case looked in too. This is a false statement.

Company response to consumer: Closed with explanation