vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: CA

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} XXXX XXXX XXXX of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  ) # # # # # # # # # # # # # # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # # # XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive 1 ) XXXX MR ( Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX MR already ) 2 ) XXXX MR ( Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX MR points were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department on XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me. 

Meanwhile, there is a separate case with the case number Case # XXXX regarding my AMEX XXXX credit card. With my XXXX, XXXX statement, I have a total expense of {$6200.00} with XXXX transactions within XXXX billing cycle and qualified for bonus 20 % MR. Total earned base points for these purchases are XXXX MR and extra 20 % MR points I didn't receive should be XXXX XXXX points. I called on XX/XX/XXXX XXXX to file this case with AMEX but so far no updates as well. Please follow up for me on these two claim numbers. 

Please see the following URL regarding the promotion the Kabbage XXXX MR sign up bonus. I also attach its image for your reference. 

https : //milestomemories.com/amex-business-gold-120k-points/ https : XXXX I appreciate your assistance. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Debt collector has failed to prove and produce accurate amount of money owed. Failed to provide proof of agreement to pay debt. Debt was then transferred to another company when credit bureaus removed debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Opened a account with Chime Online Bank on XX/XX/XXXX and on the same day i linked my XXXX XXXXXXXX XXXX XXXX to my Chime account. So i did a money transfer of {$3.00} from XXXXXXXX XXXX to Chime. I was going to use Chime as my saving account. 
On XX/XX/XXXX i got an email from Chime saying my account has been closed, with no reason, from that moment i lost my login on the app and couldn't anymore access my account. At this point i was a little bit relaxed because i though my money would return to my XXXXXXXX XXXX account since i don't have Chime account anymore. But i was wrong, my money ended up at Chime. 
On XX/XX/XXXX i call the support to try to figure out my access to the app, no success. The person on the phone don't help me a bit, she told me everything would be done by email. 
After a few hours on XX/XX/XXXX i received a email from XXXX  asking me a lot of photos of documentation. 
Here 's what they asked me : A new government-issued photo ID, such as a drivers license or state ID card ( front and back ). 
Secondary ID ( Social Security card or passport ). 
A new selfie of you holding an ID document and a piece of paper with your name and today 's date written on it. 
Written explanation : Tell us the origin of the deposit ( s ) to verify that youre the intended recipient.

Documentation to support your written explanation such as : Receipts, invoices, pay stubs, work orders, bank statements, receipts for cashed checks, etc. 
I sent them everything, we change more than 40 email. 
They have some kind of automatic email that was keeping ask me some documents that i already sent and every email comes with different person name, like there's not only one person was taking care about my case but they were randomly We kept on email deal until XX/XX/XXXX that's the last email they send me They don't tell anything, they just disappear I don't know what to do now, they have my {$3.00} and all my documents information Please help me solve this out. Im desperate!!! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: ME

Complaint narrative:
Chase XXXX Department Submitted via Chase XXXX RE : Next steps on Chase dispute claim ID # XXXX XXXX XXXX XXXX XXXX my husband and I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TV from XXXX XXXX website ( order # XXXX ). 
On XXXX XXXX XXXX XXXX XXXX XXXX  delivered a XXXX TV. Within minutes of the team leaving, we realized that the wrong TV had been delivered. I contacted XXXX XXXX support who informed me that the correct TV would be delivered by XXXX XXXX and the wrong TV would be taken away. ( We do not own a vehicle large enough to bring the wrong TV back to the store and didnt want to do a return as we wanted the XXXX XXXX  pricing we got on the XXXX ). 
XX/XX/XXXX came and went, and no TV was delivered. 
I contacted XXXX XXXX support multiple times, informed them that the XXXX was not delivered and that I needed them to come get the XXXX. The support personnel confirmed multiple times that this would happen. Then they said that they had filled out a form, however, no contact was ever initiated by XXXX XXXX, nor did they make any attempt to remediate their mistake. 
I wrote to them on XX/XX/XXXX, informed them of the situation, and that I would be initiating a chargeback. XXXX XXXX support assured me that it would all be taken care of, and we did not hear back from XXXX XXXX via any form of contact after. 
We do not want the XXXX and have no way of getting it to a XXXX XXXX store. They need to deliver the correct item that we purchased and remove the large, wrong item. As is this purchase is not valid because the item is not as described. Please see below for screenshots from some of the many conversations weve had with XXXX XXXX. 
Best, XXXX XXXX Last XXXX digits of credit card XXXX Chase support denied our chargeback claim despite providing evidence that XXXX XXXX delivered the wrong TV, and that we have tried to remedy this with XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband XXXX XXXX passed away in XX/XX/2011 by XXXX in front of me and our kids in my home. I gained all his belongings as he passed. I contacted Wells Fargo about his passing. Wells Fargo allowed me to make payments on time for a year. XXXX dollars a month. The sent someone to do a volunteering repossession. I contacted Wells Fargo and asked why they took my money for a year and now repossession. They said well you drove it. That was the last vehicle my husband was in before he passed. The stole my money and my last real piece of my husband. I want all my money back and pain and suffering. This company is robbing widows.

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 2023-02-03 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Background : On XX/XX/XXXX, I went to Wells Fargo bank branch in XXXX XXXX to close my preferred checking account that I have had for over 19 years. 

Banker discussion : XXXX XXXX XXXX ( Wells Fargo banker ) suggested : - to change my checking account from preferred to Everyday checking And after explaining to me it is best suited to my situation. 

The issue : Today I received a credit report that indicated Wells Fargo ran a hard credit check on me without notifying me. Accordingly that action has harmed my credit and lowered it by XXXX points

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX in person in store by check. The check was deposited a second time by XXXX bank ten days letter and cleared by Bank of America. Filed dispute with BoA and received letter stating " no adjustment is due '' when this was clearly their fault. Even wrote XXXX XXXX XXXX and got no response.

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 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with.

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 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
A few weeks ago, I received a phone call. The man on the phone stated they were trying to collect a debt. I strongly believe this is a scam. Today, I received two letters by mail stating I owe the XXXX XXXX XXXX Florida almost XXXX XXXX dollars. The debt collector claimed they work for XXXX XXXX XXXX XXXX. I've never heard of the XXXX  XXXX XXXX Florida. I've never attended the XXXX  XXXX XXXX Florida. I've never taken an online course from the XXXX  XXXX XXXX Florida. They claim the debt is from 2016. I don't even think I was in Florida in 2016. I believe they are scammers pretending to be a debt collector. 

The letters and phone calls I received are causing me stress. I would like them to be brought to justice. I believe they are scammers trying to defraud me. I've never heard of the XXXX  XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 an account without my written instructions

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Fees charged on our mortgage from wells fargo

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 2023-02-03 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: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Documentary Evidence is Required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for the above-mentioned account ( XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I am agreeing to ; Any and All documents, correspondence, papers, and corporate records of the 2011 published version of the PayPal Credit Account Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the PayPal and Synchrony Bank records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Synchrony Bank funded the above-mentioned account ( XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your account to my alleged accounts ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.

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 2023-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past XXXX years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX and was paid in full, XXXX shows thansfer Transunion and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency 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 2023-02-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, XXXX shows thansfer XXXX and Equifax shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation