vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
REFER TO CASE XXXX XXXX XXXX RESPONSE YOU CFPB!!! STOP CLOSING MY CASES UNTIL I VERIFY THEY HAVE SOLVED MY PROBLEM. YOURE AS UNHELPFUL AS SCAMMER WF. 
FIRST OFF XXXX XXXX THANKS FOR PROVING YET AGAIN YOU ARE DISGUSTING LYING SCUM. 
I HAVE NOT SPOKEN TO ANYONE NO ONE HAS GIVEN ME AN UPDATE. I CALLED WF WHEN 2 WEEKS AGO I GOT A CALL FROM A NEW NOTARY DEPARTMENT AND A XXXX TRACKED ENVELOPE FROM WELLS FARGO WITH NEW DOCUMENTATION TO SIGN. STOP LYING. I CALLED WF AND SPOKE TO A USELESS SUPERVISOR WHO BLATANTLY TOLD ME YOU  HAD RECEIVED THE PAPERWORK AND THERE WAS MISSING INFORMATION AND I HAD TO RESIGN MY PAPERWORK BUT THE TRYGLODYTE HAD NO IDEA IF IT WAS ME OR MY SISTER. I SPOKE TO MY ORIGINAL NOTARY PERSON AND SHE SAID WE DID EVERYTHING RIGHT THAT IF THERE WAS AN ISSUE WF WOULDVE LET US KNOW. I CONTACTED MY SISTER AND HER NOTARY TOLD HER  EVERYTHING WAS SENT IN AND ACCEPTED. YOU ARE DISGUSTING LIARS. YOU ARE SCAMMERS. YOU SHOULD BE ASHAMED WORKING AT SUCH A CORRUPT UNETHICAL COMPANY. IF YOU ARE STATING THAT EVERYTHING WAS APPROVED THEN WHERE IS MY CONFIRMATION FROM HUD THAT YOU STATED WOULD BE MAILED TO ME? WHERE IS THE RECEIPT FROM HUD? I WANT TO KNOW HOW I AM TO PAY HUD BACK!? SO I WONT OWE ANYTHING TO YOU SCUMBAGS BECAUSE YOU SURE AS XXXX DIDN'T HELP ME FOR COVID19 ISSUES. HUD PAID MY 2 MONTHS MORTGAGE. I WANT TO PAY THEM BACK SO I CAN SELL THIS POS CLEAN AND NEVER BE IN YOUR DEBT

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 2020-10-20 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: FL

Complaint narrative:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM 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 explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was informed by my daughters XXXX school that a tuition balance of {$9700.00} was due for XXXX XXXX. XXXX XXXX XXXX XXXX based in XXXX. XXXX. Tel.  XXXX XXXX. I inquired to the bank wiring directions from the financial advisor. I received from his email account around XX/XX/2020 from XXXX with specific bank information : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX account : XXXX routing : XXXX I wired the money on XX/XX/2020. 

XXXX of XX/XX/2020 he inquired why I had not sent the tuition. I furnished the details and at that time we realized I had the incorrect banking information. He mentioned his email was hacked and I should work with my bank to recover. Since then the following actions taken : 1. informed my bank ( XXXX XXXX XXXX ). They have tried on 3 occasions to reverse the wire to no avail. Chase will not release the funds back. XXXX claims no liability since I furnished the information and they are not willing to work with Chase on investigation. 
2. Chase fraud department contacted but will not work with me on the topic since I am not their customer. 
3. Filed FTC complaint - pending Concerning to me that a US based bank can be used for nefarious activity and a US citizen who was defrauded has no recourse via the banks. The banks seem disinterested in investigating. I am concerned that others may be similarly defrauded. 

More details and emails and other materials available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc.
State: SC

Complaint narrative:
On XX/XX/2020, I sent a letter out certified mail to keynote consulting asking for method of verification letter and I have never received anything with the proper documentation about this account. They keep saying they investigated the account but never send the documentation I ask for in the letters stating. The debt they are asking for is XXXX but I would like to see original contract with my signature on it I have sent 3 letters out and have not received anything yet.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank has taken an opening deposit of XXXX on XX/XX/2020, a mobile deposit of XXXX on XX/XX/2020, and a Payroll direct deposit on XX/XX/2020 for XXXX, now they have blocked my account and wont allow me access to the account, i have called numerous times and recorded all my call and the rep told me since i was calling they are going to hold my funds for 60 days then close the account. I called the Executive Response Unit and XXXX the case manager told me if i filed any complaints they were not going to handle my problem and forward it to 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 2020-10-20 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: GA

Complaint narrative:
XX/XX/XXXX XXXX  Opened XX/XX/2019 - {$510.00} Original creditor : XX/XX/XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$510.00} Highest Balance {$510.00} Opened XX/XX/2019 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original Creditor Name XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM 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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I am hounded by Persolve legal debt collector agency XXXX. It's driving me up the XXXX wall. I do NOT have any outstanding debts and need these robocalls to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal had sent a debt to a collections agency regarding a disputed XXXX  transaction. 
In XX/XX/2020 I sold an item on XXXX, the buyer attempted to return it, the return was denied, they then opened a claim through PayPal. There was an ensuing case within PayPal 's dispute system, which was then closed in my favor in XX/XX/2020, rendering me not responsible for owing any money. I have received no further communications from PayPal on the matter, at which I had closed my account with PayPal as I was no longer using it. In XX/XX/2020 I had received notice that PayPal is attempting to collect a debt based on the case that was closed in my favor, which is directly at odds with the resolution PayPal had provided to me in XX/XX/2020. 
I have attempted to contact PayPal on the matter, but am unable to contact them without being an account holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX  XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept. 
XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of 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 2020-10-20 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: AR

Complaint narrative:
I have disputed two accounts over 60 days ago with Transunion and another company by the name of XXXX XXXX XXXX XXXX which neither accounts never belonged to me and were the result of identity fraud/ Despite my previous disputes with both XXXX   XXXX XXXX  and XXXX  XXXX XXXX XXXX reporting to my credit file. XXXX XXXX XXXX has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand Transunion has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.

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 2020-10-20 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: CA

Complaint narrative:
We purchased flights and hotel to XXXX, XXXX XXXX XX/XX/XXXX-XX/XX/2020 ) on XX/XX/2020 for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/2020. In XXXX the site, XXXX  closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the XXXX XXXX XXXX XXXX. Per VISA we only have 120 days from date of purchase to dispute a transaction. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. The bank should be able to refund this purchase that was never completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed and requested 5-TIMES that my address be corrected. It is still incorrect!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: PA

Complaint narrative:
3 months ago I sent a dispute letter for these accounts XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.

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 2020-10-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : 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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My goal was to acquire a copy of my Experian credit report on XX/XX/20 to confirm its accuracy, as I had been identified as a data breach victim. I had an Experian account many years ago, but it was dormant. Upon entering my private information, it would not log me in. I followed the prompts to have my user name sent to me, including entering some private information such as social security number. It then noted that my username would be sent to an email that was fraudulent, indicating an attempt to steal my identity. I have tried to contact Experian via various capabilities on its website, and it is impossible to speak to a live person or communicate my concerns in any way. I am now left with the knowledge that someone may be trying to hack my account and no way to act on it.

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 2020-10-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please read complaint number XXXX. Equifax did nothing to resolve the actual issue. CFPB did nothing whatsoever either. In fact, CFPB closed my complaint without even waiting for my feedback to see if the problem was resolved. Seriously? What exactly is the purpose of CFPB? Is there a government agency out there that will actually review and address complaints? What agency do I need to report this issue to so that it is actually is fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
In XXXX, 2020, I was on a XXXX XXXX, with my husband. I applied for a MasterCard to purchase a ring and earrings. On XX/XX/2020, at XXXX XXXX  I purchased the two items ... .however, 20 minutes later I actually returned the ring because it was too SMALL on my finger. The clerk said that if I returned the ring, she would then recharge me for the ring, BUT {$100.00} LESS, so that when I returned home I could take my ring and have it sized. The first transaction was for {$4400.00} ... ..the ring was {$1400.00}. At XXXX XXXX, on XX/XX/2020, I was recharged for this same ring, {$1300.00}. This is background and this is not in dispute. HOWEVER, WHEN THE VERY FIRST BILL CAME IT STATED THAT MY TRANACTION AMOUNT WAS FOR {$5000.00} ... ... .... {$700.00} TOO MUCH. I DIDN'T PURCHASE ANYTHING ELSE AND THEY HAVE NEVER PROVIDED ME WITH A STATEMENT SHOWING THE PURCHASES. I HAVE  REPEATEDLY ATTEMPTED TO CLEAR UP THIS MATTER WITH THIS COMPANY TO NO AVAIL. I HAVE REPEATEDLY ASKED FOR A BILLING STATEMENT FROM THIS FIRST MONTH, SHOWING THE PURCHASES. AGAIN, TO NO AVAIL.

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTION {$2800.00} This debt is fraudulent, I let the company know that I am a victim of identity theft and I requested information from the company that shows my signature that I open this account, was only provided with a statement. I did not apply with this company nor the company they are collecting a debt for. I have received several messages/ phone calls from their company trying to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
IN XX/XX/2020 RESERVED A RESIDENCE THROUGH " XXXX '' FOR RENTAL XX/XX/2020 TO XX/XX/2020 FOR THREE NIGHTS.

REPORTED FIRES IN AREA, CLOSED ROADS, AND POWER OUTAGES " HOG FIRES '' THE TIME I WAS TO USE RENTAL TALK TO LOCAL MANAGEMENT CO "  XXXX XXXX '' WHO ASSURED ME THAT I WOULD RECEIVE A REFUND DUE TO THE FIRE DANGER.

FORWARD ALL INFO TO CREDIT CARD COMPANY " CITI '' " CITI '' IS FACILITATING THE FRAUD

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 2020-10-20 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: MI

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : 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