vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have a XXXX credit on my credit card. I've chatted in 4 times trying to get a refund from them. They keep saying it's pending review or approval. The bank I have on file is not my bank, but they won't send out a check to me. Tired of trying to work directly with them. I just want my money.

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 2023-06-07 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: MD

Complaint narrative:
I have a closed credit card account with the Police and XXXX XXXX XXXX XXXX. The card was charged off and settled in XX/XX/2022. Upon review of my report from XXXX, Equifax is reporting that this account is 180 days late which is not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was sent an email on XX/XX/XXXX from American Express saying that I can earn {$350.00} cash bonus if I open a high yield savings account. It says funds had to deposited by XXXX XXXX. I opened the high yield savings account in my name and a deposit was made in the amount of {$25000.00} on XXXX XXXX. The money was held in the account through XX/XX/XXXX as this was one of the requirements. The bonus email was sent to my name and email address. I opened the savings account with that same name and email. I did not already have a savings account with American Express. I was not named on any other bank account with American Express. I called about my bonus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. All they can tell me is they will send the complaint to another department. Which they have said before and nobody has got back to me to tell me how I have not complied to get the sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. 

Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. 

Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. 

After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. 

If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. 

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 explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a square account and used my prepaid debit card to make a payment to myself to deposit into my primary checking. Square decided to request for all my personal info, such as access to my bank accounts, license, business info and much more. They also suspended my account and said they will hold my money up to 90 days. I told them that I want to close my account and get my {$750.00} refunded to me, but they refused to refund me and they refused to close my account. The rep told me that they cant help me unless I submit all the documentation theyre requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

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 2023-06-07 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: TX

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello so XXXX complaint was back in XXXX my card was frozen might have been XXXX to from Bank of America due to fraudulent charges so they froze my account for like two three months was put me in stress couldn't pay my bills almost got a victory out of my home almost lost my car cuz I had no access to my money waited for hours and hours on hold with unemployment because the bank stated it was their problem I heard there's a law too on Bank of America for what happened am I going to be part of that lawsuit if you could please get back to 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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST claims I have a debt with XXXX XXXX and I don't have and never have had a XXXX account. I have been an XXXX XXXX XXXX customer for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company XXXX XXXX XXXX XXXX, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from XXXX XXXX XXXX XXXX. I would like to also be compensated for the multiple violations committed by company XXXX XXXX XXXX XXXX and or Experian. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).

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 2023-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX, XXXX XXXX and 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 2023-06-07 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: Self Financial Inc.
State: NY

Complaint narrative:
XXXX Credit Bureau is still reporting an inaccurate account from the company : Self Financial/ Lead BA account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, XXXX or Self, about my credit report or an update to my credit report. 
I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Thank you for emailing a copy of your forward to Wells Fargo. Several concerns : FIRST : The email we received from you advising us of sending the same forward to Wells Fargo that we originally sent to The White House. ( going in circles ) From the contents of your email we can only assume nothing was done other than the usual forward to WF. We also assume that The White House sent the complaint to you for proper handling, like assistance right.? Well, we are dizzy of going in circles and tired of no clear assistance, or explanation besides the usual BOILER PLATE enclosures asking Wells Fargo to do what. When we originally wrote to you ( last year? ) we were advised that you were not able to handle this as it was not your place. Obviously this time since you received the complaint from The White House, you did not check our file that was " closed '', but simply forwarded the same to the mortgagee. Please tell us how in the world are you helping people. Just cleaning off your desk through a simple process does not get the results. 

SECOND : As a result of your uneventful process, we received a call from Wells Fargo yesterday, from XXXX, executive offices. Tel. # XXXX. Again, it was targeted towards us, asking for explanations, reasons, It was a call with a purpose to HARRESS us. He would not let me speak, at the same time accusing me of not willing to provide him with information. Character of arrogance, I finally told him It was not my place to answer his questions ( as I do not know what he was after ), just advised him that he should contact you or look through the files they have and find out what this is about. Very unprofessional behaviour, not even giving me his last name. So I said thank you and goodby. Once he reviews the information, he should call and we will be happy to discuss legit. information. 

We would appreciate your response and some insight. Thank you The complaint # wasXXXX

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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of identity theft. I did not have the option to upload these documents and was advised to mail them. To be honest, mailing letters to the credit bureaus has been a complete waste of time because nothing has been done. Attached you will find the following : Dispute letter ( Identity Theft ) Police Report FCRA 605B Photo ID

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 2023-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CCS collection services ( Progressive ) is wrongfully charging me {$360.00}. The bill should be sent to XXXX XXXXXXXX XXXX.They are the ones that own the vehicle not me. The vehicle was in the impound. The {$360.00} bill should be sent to XXXX XXXX XXXX because they are the owners of the vehicle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within 15 days.

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 2023-06-07 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: Synovus Bank
State: GA

Complaint narrative:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items Synovus bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.

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 2023-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX XXXX XXXX XXXX XXXX  TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.

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 2023-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
over charged for mortgage fees, late charges and escrow fee 's x2 mortgages-chase XXXX and XXXX mortgages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief