vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XX/XX/2023 I got an alert that FairOutsourcing and Collections put a collections on my credit report for XXXX It does not state what this debt for or the original creditor. FairOugsourcing did not contact me via us mail to inform me about this debt or verify this debt. 
I would like to have this debt removed from my 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 2023-07-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Starting XX/XX/23, someone started charging, withdrawing, or making XXXX transfers from my accounts, checking and credit card account. Wells Fargo closed my accounts and issued me new cards several times, but the fraud continued. Wells Fargo refused to replace the money taken from my accounts. I was told in two different letters from Wells Fargo that I either did withdrawals or authorized someone else to use my account. One of the letters told me that they would not refund me for {$600.00}. The other letter refuse to pay the claim of {$990.00}. both letters came from Wells Fargo claims assistance center online fraud claims

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 2023-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
I have sent an email to assumptions for amerihome mortgage company and said I would get a response in 7-10 days. My email was sent on XX/XX/XXXX. I need my problem solved for payments 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 explanation
Consumer complaint received 2023-07-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear Sir or Madam, I am writing to you today to express my concern about my Citibank account, which was closed on XX/XX/XXXX due to suspected fraud. In the email I received from Citibank, they stated that I would be issued a check for the funds in my account within 60 days. However, it has now been more than 90 days and I have not yet received my money. 

I have visited the Citibank branch at XXXX XXXX XXXX, XXXX, MD three times to inquire about the status of my check, but I have been unable to get any information. The employees at the branch have either been unable to provide me with any information or have told me to wait. 

I am extremely concerned about the fact that my money has been held by Citibank for more than 90 days. I have exhausted all of the mechanisms available to me to obtain my money, and I am now turning to you for help. 

I am a father of XXXX young children, and I desperately need my money to function. 

I am writing to you in the hope that you can help me to resolve this matter. I would be grateful if you could contact Citibank and inquire about the status of my check. I would also be grateful if you could provide me with any information that you may have about why my account was closed and why I have not yet received my money. 

Thank you for your time and attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-07-07 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
A few years ago, I downloaded my full credit report with my social security number and noticed that there were a number of accounts that were not mine, including an auto loan and two store credit cards. Additionally, another name was also on my report ( in addition to my own name ), as well as various identifying information ( addresses, work address, etc. ) I do not know if this was a mistake or if someone deliberately used my social security number for getting a loan, but the fact that there were multiple instances leads me to believe that it was intentional. 

At the time, I tried getting the individual lenders to remove the accounts from my report, but it didn't work. Since then, the auto loan has been paid off successfully, and no longer appears in my active report. However, all of the personal information for this or these other person/people is still appearing and is updating in my personal credit record, some of which is available online at numerous access points. 

This causes a number of issues, the first one involving proving my identity to anyone who is trying to use my report to confirm who I am, financial institutions or otherwise. Since there is a significant amount of data that is NOT mine, it is impossible to pass any such verification procedure. 

I would like to be able to contact the credit reporting companies or other data collection center directly in order to have this issue solved and have my record corrected.

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 2023-07-08 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase of clothing from XXXX XXXX for a total of {$840.00}. However, upon receiving the order, I found that the clothes did not fit me properly. As a result, on XX/XX/XXXX, I initiated a return order, which incurred a {$5.00} charge for the return of the products. The parcel was successfully delivered to XXXXXXXX XXXX XXXX warehouse on XX/XX/XXXX at XXXX XXXX as confirmed by the proof of delivery provided by XXXX. 

After waiting for a week, I contacted the customer service department to inquire about my refund. They informed me to wait for a couple more weeks. Following their instructions, I waited patiently, but when I reached out to them again, they insisted that they were still awaiting receipt of the returned products, despite XXXX providing proof of delivery to their warehouse. They expressed their inability to assist me further. 

Due to this unresolved issue, on XX/XX/XXXX, I decided to file a chargeback dispute with Discover Bank. Since then, every month, my bank has temporarily credited the disputed amount back to my account based on the evidence provided by XXXXXXXX XXXX However, upon reviewing the paperwork each time, I noticed that it never addressed the actual issue I raised, which was that the products had been returned to their warehouse. It is particularly disappointing that XXXX XXXX consistently sent the same documentation to my bank, which failed to address the core problem I experienced as a customer and my bank also failed to review the paperwork diligentlynamely, the return of the items to their warehouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07 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: Trust Financial LLC
State: ID

Complaint narrative:
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX Trust Financial LLC ) Opened fraudulently XX/XX/XXXX Check into Cash ( XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX  Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I was a victim who had an credit account opened in my name, the account went to collections, I wanted it off of my report so i made a few payments till i learned i was allowed to dispute it when i was never told i could. Ive disputed to account many of times & most recently was told i cant dispute it unless i file for fraud. The account case worker i have has made me seem very XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
I opened an account with Marcus in early XXXX. I had an unexpected bill come and tried to withdraw money to my checking to pay for my daughters birth bill. They told me I couldnt and were extremely rude on the phone. I instructed them I want to close my account in the second week of XXXX. I was then called back and told I couldnt close my account nor get my money. I was transferred to a supervisor and was given a confirmation number and everything. The supervisor apologized, but they still did nothing. Fast forward to today and I still have no update on my account being closed, they locked my account, and still have not given me any information on when the account would be closed. I was giving seven to ten business days which passed a long time ago. I call everyday and they STILL said they had no update. Absolutely unacceptable when I have a considerable amount of money in the account. Something needs to be done, going a month and half without any information is not okay. A bank should not be allowed to hold your money hostage when a customer request the account to be closed. I have no avenue to get my money which I think seems highly illegal. The banks name is Marcus but is owned and ran by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
From XXXX  ( primarily during Covid ) Wells Fargo charged our business accounts in excess of {$10000.00} in NSF fees XXXX even though funds dropped into accounts daily. Expenditure amounts were confirmed by our CPA and attorney, NSF were calculated in a manner that has been determined to be unlawful. 

We sent 4 internal notifications via Wells Fargo internal email. Our company sent 2 certified/ return receipt requested letters specifically outlining the dates, issues, and requests for restitution.

As no communication/ resolution was received we closed all four company accounts. On XX/XX/, I was notified via our CPA Wells Fargo charged the remaining 2 open personal accounts NSF, our documents clearly indicate that the remaining open account should have pulled from a secondary back up savings account. ( In the past when verbally speaking to a Wells Fargo rep regarding the business accounts, We have the option of changing a savings account to checkin without written notification and with that all options you selected in our XXXX GA office, do not apply.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX Check into Cash ( XXXX ) Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a defective item. 
I returned the Item with an XXXX label. 
I provided a vast array of documentation proving that I returned the defective item as agreed. 
Chase sided with the merchant even though they were given overwhelming information that the item had been returned and was defective. 

Chase violated terms of services as the credit card is supposed to protect me from fraudulent and defective items, as agreed in the contract and terms of service. 

The transaction date is the following : XX/XX/2023 The merchant name is : XXXX The amount disputed is : XXXX Chase has all XXXX the evidence in hand already and is ignoring the evidence I provided. 

The evidence includes the following : Receipt from XXXX showing that I dropped off the item. 
Photos of the Item as it was being packed. 

Photos of the box that it was sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CA

Complaint narrative:
I have attempted multiple times to get accounts : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: TX

Complaint narrative:
After viewing my Equifax credit report, I noticed some fraud inquires on it. I disputed those fraud inquires, but Equifax has failed to remove them. I sent a verified letter from my home address for this concern.

Company response to consumer: Closed with explanation