vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I initiated an ACH Transfer from XXXX XXXX XXXX  to TD Bank from my computer for {$5000.00}. I unfortunately had my old TD Bank account number so it never went thru. I contacted XXXX XXXX XXXX  the next day when I realized what happened. They said there was nothing they could do so I contacted TD Bank. No less than 5 times they told me that there was no active account to the number I gave them and it would get kicked back and returned to XXXX XXXX. After several conversations of XXXX XXXX trying to help me, they initiated a three way call on XX/XX/XXXX. It was agreed on that call that XXXX XXXX would need to issue a ACH Recall and we did that. I have followed up with TD and XXXX XXXX. XXXX XXXX is only one trying to help. They are following up with TD Bank almost every day and get no response and struggling with TD Bank to get them the trace number. So TD Bank has had my {$5000.00} ( which is significant to me and my family ) since XX/XX/XXXX. This is abusive from them and I have checking account and mortgage with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, Equifax and XXXX  ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX  has deleted the fraudulent account however, Equifax and XXXX  have not. I have not been notified by mail from either XXXX  or Equifax of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for XXXX  is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for Equifax is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I disputed late payments with the creditor chase through the following companies XXXX, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
There is not an option for my specific scenario. My account wasn't closed however, the bank cancelled my debit card with out advising me first. I have a large amount of money in this account and upon attempting to get gas, found that my card was declined. I immediately called into my banking center and was told that my card had been cancelled ( supposedly BY ME, yet I NEVER called in with such a request ). 

I advised that I HAD never called in to cancel ANYTHING and needed access to my money ASAP. I was told there was nothing they could do because, A ) the department I need to speak with was closed and B ) they could 'reactivate ' my card and instead I'd have to be snail mailed another one. I was LIVID as that is the only card I have and use every day for everything from food to bills to gas. I was on the phone with the customer service agent for over an hour ( she kept putting me on hold ) and STILL she had no explanation as to WHY I wasn't given PROPER contact prior to my card being cancelled ( via someone from the bank ACTAULLY SPEAKING TO ME ) to advise that my card was going to be cancelled. Had they ACTUALLY SPOKEN TO SOMEONE I could have explained that it was a mistake on their end because I had NEVER called in and reported ANY fraud. After all the time on the phone she never gave me any resolution. Since my card was cancelled, I couldn't get gas for my car and was FURIOUS. She said she'd call me back first thing the next day with a solution. 

She NEVER called so I called the bank AGAIN and was told they could replace the card but it would 5-7 BUSINESS days. Mind you, this 'error ' happened on a Thursday meaning I was to have NO ACCESS TO MY MONEY for possibly 9 days since weekends are not 'business days '. I advised that I needed my card ASAP and was told they could expedite it to the address on file and someone would have to be there to sign for it. I then told them that I work full time and not home during the day therefore would not be there to sigh for it. I requested they send it to my work so I'd have access ASAP and they refused saying, it HAD to be the " address on file ''. They are essentially blocking me from my OWN MONEY. I have never had overdrafts on my account, I am a long time customer AND I have NEVER been in the red with my account, EVER. How is this possible that they are able to CANCEL my card WITHOUT MY AUTHORIZATION????? I have ZERO access to my money, the banking center is located in XXXX California and I now reside in XXXX California and they are doing NOTHING to assist me in getting access to MY MONEY ASAP. HOW is this legal??????????

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 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
The company said the information was obtained from a creditor whom had my personal information. I explained to the company that I do not live nor work in the US. I have been working in the XXXX since 2015. The address associated with my name is a PO Box and information pertaining to me had been used to fraudulently open and use those accounts ( XXXX XXXX XXXX XXXX ). The company in question said it's your name and thus, these are your account. I submitted my police report and verifiable information about my identity. Still, the company ignored the obvious and posted fraudulent information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am getting calls for apparently debt collectors without knowing what it is for. 
The numbers calling:XXXX XXXX XXXX I would like this to stop since I do not even know if perhaps the person that owned my number is the one that they are trying to contact.

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 2021-05-13 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: LA

Complaint narrative:
I still have unverified accounts that are posted to my Experian credit file that have been disputed on four separate occasions ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) without any verification documentation sent back to me from this company showing me how they have been verified or who they verified these accounts with and the contact information of those companies/persons. I sent four separate dispute letters to Experian requesting that they provide applications signed by me for these accounts to show proof of verification, however, none have been sent. I have also requested that they remove any and all accounts that they can not adequately verify with a signed application for credit with these accounts. I have suffered damages as a result of these unverified accounts remaining on my credit file and will be litigious pending the immediate removal of these erroneous accounts.

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 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I disputed late payments with the creditor XXXX through the following companies XXXX, XXXX  and TransUnion for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time 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 explanation
Consumer complaint received 2021-05-13 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: MI

Complaint narrative:
On XX/XX/XXXX I disputed late payments with the creditor XXXX  through the following companies Experian, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time 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 explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and Transunion somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with 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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I began communication with XXXX  in the XXXX XXXX on XX/XX/2021. I was interested in the XXXX XXXX  Double Flap handbag. Initial conversation and any questions I proceeded to ask received a swift reply. After several email exchanges, I began making payments on XX/XX/2021 for the XXXX XXXX Double Flap. The first payment of {$500.00} was sent via XXXX. Due to XXXX having daily limits, I sent the remainder of the deposit via XXXX. I completed my final payment on XX/XX/2021. I continued to follow up on shipping, to no avail. XXXX informed me that the seller had yet to send them tracking, and that they thought it was best to just refund my money. Following which, I agreed and continuously requested a refund, as my emails began to go unanswered. The email associated with my XXXX account was requested several times, and I responded each time with the same email address, which was also the email I responded from the entirety of the conversation exchange. Several days went by with no response. XXXX then informed me they received a tracking number on XX/XX/2021. Once I received the bag, I realized it was a single flap, and not a double flap that was agreed upon, and which I paid for. I contacted XXXX once again and explained this. They attempted to explain it must have been a mix up, however they offered no refund. Since I was responding from the original communication chain, I scrolled up to screenshot the previous conversation exchanges and attached them to my request. After several emails, they agreed to a full refund. I then prepared the bag and shipped it back on XX/XX/2021. Once the bag was received, they explained they must now sell the bag in order to refund my money. I was then told I would receive a full refund by XX/XX/2021. I have emailed numerous times, and even had to be admitted to the hospital due to XXXX  To date of filing this complaint, I have not received a single cent from the {$4900.00} that I paid for the handbag. 

Because XXXX is a " peer to peer '' platform, my bank Wells Fargo as well as XXXX indicated that they can not do anything for me. My bank also indicated that the XXXX transfers were initiated by me and not a mistake that the bank completed, thus once again, I have no solution to the {$4900.00} that was stolen from me.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my Equifax settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with 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 non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I previously disputed a debt with AR Resources to no avail. I saw they are continuing to collect the alleged debt. I continue to dispute the validity of the alleged debt in its entirety. Further I have requested verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor, which I have not received. they are illegally attempting to collect an alleged debt, which has been disputed. As per the law, I DEMAND deletion of any credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My IRS refund amount of {$3100.00} aginst IRS return of XXXX  went to someone else bank account of wellsfargo bank and wellsfargo bank is not helping me to get this refund amount back. 


OnXX/XX/XXXXIRS issued a letter 150.1, after following up with IRS for almost 3-4 months with the help of Congress Man Mr. XXXX XXXX of XXXX County here in Texas. 

The letter 150.1 candidly shows that the amount of {$3100.00} went to the wrong account number, even then our name is mentioned there ( XXXX XXXX XXXX XXXX ). 

I had a personal meeting with BM of wells Fargo Bank in XXXX, TX and I have provided him the 150.1 letters. I also wrote an email to the BM and I have not got any reply on this.

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 2021-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT BANK OF AMERICA # XXXX 
BANK OF AMERICA # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX XXXX 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 2021-05-13 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: I.C. System, Inc.
State: FL

Complaint narrative:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX  XXXX XXXX # XXXX 
XXXX  XXXX XXXX # XXXX. 
I.C. SYSTEM, INC # XXXX XXXX XXXX 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 2021-05-13 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 in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failureto investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

Company response to consumer: Closed with explanation