vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
No Contract, with Company reach out to XXXX the ystated that my information that was given was not what they had in thier system, and that they believed my information was used to obatin service without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NE

Complaint narrative:
On XX/XX/2021, I completed an application to get a business checking account with Wells Fargo. Below is details of the person I spoke with XXXX XXXX Inbound Sales Specialist II Wells Fargo Virtual Channels Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX X XXXX | Fax XXXX XXXX asked me to submit all of my business identifying information through a secure messaging portal. The next day, XX/XX/XXXX, I received an email saying check the status of my application. I was not approved for this account. 

It wasn't until XX/XX/XXXX when I got a notification from my consumer report as seen in the first attachment that an account was opened with my social security number through Wells Fargo. I never remembered entering into a consumer credit transaction with Wells Fargo or giving them the authority to open any accounts with me as a consumer. First I called XXXX, no answer. Then I called the number listed on my confirmation email of the application submission which was the business department where the guy repeatedly told me " I see your account, but I am not authorized to give you any information and that I will have to call another department. '' " I asked to be transferred to that department '' I waited for an hour and finally a lady answered and she repeated the same thing " I am not able to give you details on this account information. '' " I stated but the account is in my name. I just want my login information. She repeatedly stated that there was nothing she could do. Extremely discouraged at this point because this was only supposed to be a business checking account my company took a major financial loss behind this about $ XXXX worth but even more so I the consumer took an even bigger loss. Wells Fargo stole my identity, entered me into a consumer credit transaction, and opened an account under my name using my credit card. As you can see in the 2nd attachment I have what appears to be an adverse action which was sent to me on XX/XX/XXXX. Upon researching and trying to understand I ran across this Court Order attachment 3 from the CFPB, which states that Wells Fargo has a history of opening up accounts in consumers ' names. I am not sure what I did as a consumer to deserve such aggravated identity theft by Wells Fargo during these unfortunate times of the Pandemic, but I did not deserve for my identity to be stolen, to constantly get denied from Wells Fargo since they already have an account with my name on it, and to have take such financial loss behind what was suppose to have been a business transaction but instead was a consumer credit transaction.

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 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XXXX, As an informed consumer pursuant to 15 USC 1692a ( 3 ) and aggrieved applicant pursuant 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX, applied for Credit on used vehicle and was denied credit based on me exercising my rights as a consumer to credit transactions which is discrimination pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I have contacted PayPal countless times and they constantly give me a different answer. They wont release funds to me that was supposedly already released. Then they put a hold on transfers which caused nsf fees I have been hurt financially by this situation. I would like my nsf fees paid back and fees for distress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello. I recently reached out to the companies involved as well as Transunion customer service and they did not do anything about it. Im a victim of Transunion inquiry issues. 
the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 2021-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Accounts on my credit report have been paid in full and or satisfied. The accounts are still showing as open with balances against them. The items were disputed over 60 days ago and there has been no resolution or notice from the 3 credit Bureaus. They contend that there are still balances on these accounts which is inaccurate. The loan was shared with me and a ex-partner.

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 2021-06-29 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: NY

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random.

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 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-06-29 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me. On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
XXXX is sending me letters in relation to TWO fraudulent loan accounts. I spoke with a representative from the ORIGINAL DEPBT OWNER of the account, XXXX XXXX They confirmed today that " THERE IS NO RECORD OF YOU AND ANY LOAN WITH US IN OUR SYSTEM. '' I asked the representative if there was anything dating back TEN YEARS. She said, " no, we do not have ANY record of you in our system at all. This happens often and we will be sending you a letter stating such. '' I am angry that XXXX is attempting to collect on something they know is fraudulent and why now? Where did they BUY the information and think it was valid? What system has given XXXX the power to harass consumers? Threatening letters, offers to settle, threats to post negative information on one 's credit report, who gave them the power to be jerks?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Citibank account through this link : https : XXXX? XXXX & XXXX The offer was for {$700.00} if I moved {$50000.00} of new-to-Citi- funds and maintained a balance of {$50000.00} for 60 days. 

I clicked directly through that link above but the account that appeared when I logged in to my account was a 'Basic Checking ' account. I called Citi 's customer service only to be told that the promotion was not attached to my account. 

A supervisor told me that it would be fixed and attached but upon another call to them to see if that was true, I was told that fixing the problem after the account was open was impossible. A US-based person I reached by calling the number on the offer page confirmed that my account would not be receiving the bonus despite the fact that I applied directly from the link. 

I could not call customer service anymore because I could not trust what their customer service was telling me. One person would confirm that the bonus would be paid, while another would say that it would not. Even supervisors did not know the details of this offer. 

In the end, I had to close the account. Even though I clicked through the link above, the promised bonus was not going to be given.

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 2021-06-29 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: LEXISNEXIS
State: OH

Complaint narrative:
LexisNexis removed a bankruptcy on my file, it was a error, but yet they didn't remove this same bankruptcy account from another LexisNexis report, they refuse to tell me it was a two part to investigate, they told me this bankruptcy was removed # XXXX from my file and they will update this information with all credit bureaus, XXXX refuse to remove it because LexisNexis didn't inform them to remove this bankruptcy error from the 2nd part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having trouble submitting my Identity theft Police report to TransUnion. Rather, to have TransUnion accept my Report. TransUnion has made the determination that my " ID Theft Report not valid. '' Could someone at CFPB look at my Identity theft Police Report and tell me the reason or reason it is not valid? I have reached out to TransUnion by letters, but have not yet received a response to any of my letters as to why my Identity Theft Police Report is not valid. 
Likewise, I have brought the TransUnion letter to the XXXX Police Department. The Detective, XXXX XXXX, assigned to my Identity Theft Case does not know the reason why TransUnion has determined that my Identity Theft Police Report is not valid. 
Also, could someone at CFPB tell me what is the criteria that makes or does not make an Identity Theft Police Report not valid? If I have that information, I can inform the XXXX  Police Department to make the correct changes that would make my Identity Theft Police Report valid, so I will be able to submit a valid Police Report To TransUnion.

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 2021-06-29 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I bought a car from XXXX on XX/XX/2020. 

For some reason, the Credit Agency is not reporting my loan at all. 

i have attached the entire contract.

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 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AmeriCollect
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX, sent a letter on XX/XX/2021 regarding to inaccurate and unknown items on my credit report. I feel like I'm being taken advantage of and being ignored by my disputes. FCRA ( Fair Credit Reporting Act ) Section 611 ( A ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 30 days that gives a reason to immediately remove those items from my credit report ; it has been 30 days so they should be deleted promptly. I have attach certified receipt as a proof that they received my letters. This report is possibly to all credit bureaus and my I.D as a validity of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has made it nearly impossible to redeem travel credits from previous bookings made via Chase XXXX. 

After calling to have a new ticket issued from previous travel credits I was told it would take 5 days to receive an email confirmation. Five days lapsed and no confirmation. Then I received an email from Chase stating that XXXX XXXX cancelled the flights I booked, which was not true per my review of scheduled flights on the XXXX website. Chase clearly misrepresented the facts in a deceptive manner. 

I called Chase to resolve the issue, which they were incapable of doing, after spending 70 minutes on the phone, nothing was accomplished and their representative could barely even find the travel record. He indicated that they could rebook the flight but it would take 5 days as they would need to request a review of my prior call recording - for some reason it takes them 5 days to access a digital call recording, this should be instantaneous. 

It seems clear to me that Chase has built its processes to include as many bottlenecks in the process to intentionally frustrate travelers with the hope of reducing rebookings. 

This is highly unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have {$170.00} in my Venmo account ( service owned by PayPal ) since XXXX, but Venmo is preventing me to use my own money. 

I can't transfer the balance to my bank account, neither to other Venmo users. 

I already asked for help with Venmo support, but emails took days to get answers and no solution was provided, only walkarounds that don't solve. 

Support asked me to register my bank in XXXX, I have tried both options without success. 

In the " Instant Verification '' option, my bank ( XXXX XXXX  XXXX, XXXX  ) isn't in their database, so the system doesn't allow me to finish the setup to make the transfer. 

In the " Manual Verification '' option, after input all data, Venmo doesn't go ahead to finish the process. 

It's kinda bug because my husband has the same bank registered in his Venmo. 

I also have tried to transfer the balance to my husband 's Venmo account, but the XXXX always asks to register my bank account prior to allowing me to transfer, even with the balance available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
NOT A DUPLICATE last complaint had spelling errors Im Disputing the original loan amount - TRANSUNION report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account XXXX report its {$7900.00} XXXX XXXX report {$8800.00}

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 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One XXXX XXXX XXXX. I filled out forms and submitted 2 invoices to Capital One regarding 2 payments made to XXXX XXXX of XXXX, TX I disputed the charges because they came and misdiagnosed my failing refrigerator on XX/XX/2021. When the parts I paid for in advance {$200.00} came in, XXXX XXXX sent same repairman to my install and fix leaking water and warming refrigerator. I paid {$200.00} upon installation of parts and completion of repair on Friday afternoon, XX/XX/2021. But by late evening the refrigerator was still warm and not cooling. XXXX XXXX doesnt work on the weekend, so same repairman came on Monday XX/XX/2021. He recommended 2nd repair of a new Control Board for {$440.00}. I refused. Since then, Capital One has decided that I must pay {$400.00} for the failed repair. The Supervisor of dispute department said on a recorded line that a 2nd opinion of the necessary repairs was needed to complete their information request and furthermore stated these are the MasterCard, Visa guidelines. After 12 days without a working refrigerator, I bought one at XXXX on XX/XX/2021. I did not know I needed to keep my old refrigerator for a possible second repair opinion. NO WHERE in my documents from Capital One is there any mention of repair disputes or need of 2nd opinion. I feel Capital One is siding with merchant and not helping me at all.

Company response to consumer: Closed with explanation