vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN HAS BEEN CHARGING MY XXXX XXXX CREDIT CARD {$30.00} A MONTH SINCE XXXX AND I DIDN'T SIGN ANY PAPERWORK OR FILL OUT ANY FORMS ONLINE ALOWING THEM TO BILL ME {$30.00} A MONTH FOR THEIR SERVICES. THIS IS FRAUD. I WOULD LIKE TO KNOW JUST HOW SOMEONE AT EXPERIAN WAS ABLE TO GET MY CREDIT CARD INFORMATION. I HAVE NOT PURCHASED THEIR SERVICES AT ANY POINT IN TIME. I WOULD LIKE TO SEE A FORM WITH MY " WET SIGNATURE '' ON IT BECAUSE I HAVEN'T SIGNED ANYTHING. I HAVE NOTIFIED THE LOCAL POLICE DEPARTMENT IN MY AREA AND I WOULD LIKE TO SEE THE DOCUMENTATION OR EVIDENCE THAT EXPERIAN HAS ON FILE SHOWING THAT I PURCHASED THEIR SERVICES SO THAT I MAY FURNISH THE LOCAL POLICE WITH EVIDENCE.

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 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I disabled my card, after they texted me saying my card was added to XXXX XXXX! And called them.. before the theft. Im assuming its the same as XXXX XXXX, I only have my card on XXXX XXXX. But, moving forward ... my card was ENABLED after I DISABLED IT! Transferred my savings to my checkings and withdrew my money! OVER XXXX!!!! Theyre making it seem like it was me, saying because my card was in possession they wont be reimbursing my money! I cut up my card ... So I know where my card was. Somebody who scams for a living or work there did it. This happened in NC. Never even stepped foot out there, or know anyone for them to have my card! And whos even able to do all that?! Without my info? If it wasnt me.. other than them? I got police reports in both NC ( XXXX ) & XXXX, theyre still giving me a hard time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Premium Credit Bureau
State: IL

Complaint narrative:
I never applied for services with XXXX XXXX Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Screening Reports Inc.
State: IL

Complaint narrative:
I never applied for services with XXXX XXXX  Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Over the life of the loan, we have paid every month more than the minimum payment of {$250.00}. We believed the " extra '' {$19.00} a month was going towards the principal, but we recently learned that the " extra '' was being applied to future payments. This resulted in our current outstanding principal being about {$2000.00} more than we thought it should be. We have called U.S. Bank twice and asked to have the previous payments reallocated. After the first call, we never heard anything. When we called about two weeks later, on XX/XX/XXXX, the representative said " the back office didn't understand the original request. '' No one had contacted us to clarify the request. The rep we spoke to on XXXX XXXX said she would make the request again, it would take about three business days to make the change, and then we would get a letter in the mail confirming what had taken place. It has been 8 business days since that call. I followed up today ( XXXX XXXX ) by email and requested an update in writing.

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 2020-09-10 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: FL

Complaint narrative:
I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX data breach and I suspect this contributed to inaccurate items on my 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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NC

Complaint narrative:
In XXXX, My account was not made accessible to me, when the bank claimed that my signature looked different from that on my ID, thus, I let the account close in good standing by yielding my deposits in my account. 

Fast forward to XXXX, I went in person to the bank in order to re-establish my account with the bank. Upon arrival to appointment at the bank, I felt very much rushed in the process in the gathering of my information and then I was told that somebody would get to me by the end of the day in order talk about my account after she Sends my information down. 

At the end of the day the bank representative called me and told me that she had not received any notice about my account from whom ever shed sent my information to, and that she would call me the next day with an update. 

The next day came and I heard nothing from the bank at all. The next morning I went into the bank at open and was treated very rudely and was told immediately by the representative that said claimed to be working on my account told me almost immediately without taking me into a private area that they werent going to be able to open my account. 

I spoke with the bank manager as to why, she claimed that had trouble verifying me in their system even though I had all my legal documents with me for her to check. I have had two name changes for business/ entertainment reasons and the bank had been made aware of one of the changes. 

The bank made me feel as if I were a criminal for changing my name and for having lived in different cities. 

I am a business woman and not a criminal and its belief that the bank acted on personal feelings when dealing with the re- establishment of my account and were discriminatory as well when they told me to go back to the bank that I have a present active account and keep banking with them. 

I hope that you can help me with this issue because I feel like I have be discriminated against because of my personal beliefs.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I initiated a new home loan from Wells Fargo on XX/XX/XXXX. Property is in XXXX XXXX, NM. We were instantly approved and we made an offer on a home in New Mexico. My payment from Wells Fargo for the purchase of our new home was estimated at XXXX a month. It jumped to XXXX right before close. Our movers had our furniture, we had nowhere to go or live and no choice but to sign. Had I been given these figures prior, I would have chosen another lender and canceled Wells Fargo. Speaking to local lenders they would NOT have estimated our taxes that high. Property taxes were estimated at 3 times the amount set by county. 3 times what had been estimated when the loan process started. I tried to ask them for help and Wells Fargo said said to let the title company handle it. ( I have the emails ) .The title company and assessor office both verified the amount of {$5800.00} due XX/XX/XXXX and {$5800.00} due XX/XX/XXXX was NOT a figure that they came up with but it was per the lender WELLS FARGO. The estimated taxes for the ENTIRE YEAR given to me by the assessor office was XXXX. I have the document from the assessor 's office to prove it.Wells Fargo is charging me XXXX a year with a huge escrow payment of {$970.00} a month. It is ridiculous. I tried to contact them since we signed to get them to update it. They said I have to wait. It is unfair lending practices for them to refuse to update the tax amount. I realize our home is new construction but they are charging me a fortune and I have no idea what will happen when the tax bill is due in XXXX. The amount due is {$1800.00}. I have proof of that as well. NOT {$5800.00}. What are they going to do with my money. At this point I do not trust them and need help. I have the emails where the reps from Wells Fargo told me to talk to the title company that they had nothing to do with the set amount. It is not true. The tax assessor and the treasurer both told me they can not give amounts that do not exist. They can only give accurate amounts like the ones they gave me. The title company told me they can only have me sign the documents provided by Wells Fargo. Wells Fargo doesn't care that I am being charged 3 times the regular amount. I have checked the taxes for everyone with the same house as mine in the my neighborhood and all are around {$3900.00} for the YEAR. I am attaching the copy of the taxes from the county.  Please let me know if I need anything else. I have the names of the reps as well as emails from them with contact info. I have included my mortgage statement as well.

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 2020-09-10 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: NJ

Complaint narrative:
I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX  XXXX Account Number # XXXX Balance {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX on XXXX XXXX I accidentally transferred {$400.00} from my savings account with Bank of America ending in XXXX to my credit card ending in XXXX confirmation # XXXX. The money was suppose to be transferred to my checking account ending in XXXX. All accounts are held with Bank of America. I immediately called Bank of America credit card customer service they stated since there is a {$0.00} dollar balance on the card ending in XXXX once the transaction posts they can credit the money back into my checking account ending in XXXX. I have made several calls and up until today XX/XX/20 the money still has not been refunded into my checking account. I have spoken to several customer services representatives and supervisors who all advised me this issue will take no more then 5 days to have the money refunded into my account. Today it has been more then 17 calendar days. Supervisors XXXX and XXXX employee ID # XXXX had informed me my money would be in my account no later then XX/XX/20. I also spoke with a supervisor named XXXX who informed me she does not understand the hold up and will have the money in my account within 24 hours. I called again yesterday and spoke with XXXX on XX/XX/20 around XXXX XXXX pacific time who refused to help me and provide me his employee ID number he hung up. I have been requesting for supervisors to please take over the call and or call me back on a daily basis and not one has returned my call. Today I spoke with an XXXX Employee ID # XXXX and requested again for a supervisor to speak with and again no help. I have cried and begged to please help refund me my money as I am behind on my bills and the money is rightfully mine and even had customer service representatives snicker and say you will eventually get your money in 14 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 monetary relief
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access counsel 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. 

On XX/XX/XXXX, the day I submitted the original CFPB complaint, I did see some resolution by speaking with an agent by the name of XXXX. He was able to see the documents, and changed the information online. I was able to pull a report, on XX/XX/XXXX that reflected the CORRECT information. As a result, I responded " yes '' when someone asked if everything was fixed. Unbeknownst to me, someone had changed my social security number BACK to the INCORRECT social security number. 

And the original complaint was closed before I could locate my login credentials for the CFPB to respond that it was in fact, NOT fixed, that it should NOT be closed out. 


Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request

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 2020-09-10 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XXXX of this year I disputed XXXX charges on my American Express credit card account due to fraud. 

XX/XX/XXXX : XXXX - {$38.00}, XX/XX/XXXX : XXXX - {$300.00}, XX/XX/XXXX : XXXX - {$540.00}. 

XXXX of these charges have been credited back to me but XXXX has not ( {$540.00} XXXX. I had to " re-open '' the fraud case XXXX additional times ( case # XXXX & XXXX XXXX. I did not get the case number for my original call. 

Im not sure why this one remains outstanding because all XXXX charges were made by the same person. The backup paperwork provided to me by AmEx clearly shows that I was NOT the person who ordered OR received the items, but rather someone named XXXX XXXX, living in XXXX, TX XXXX I live in XXXX, NV XXXX. 

I had my card in my possession and the time and have since been issued a new card, I did NOT authorize anyone to use my card, NOR do I know this person. Im surprised that someone could even use my card and that XXXX and American Express would approve it when he used his name for the purchases, and I do not have any authorized users on my card. 

I must also mention that Ive been told on at least XXXX different occasions over the past few months that my previous case XXXX XXXX ) on this issue was resolved in my favor and that I would receive credit on my next statement. This is very frustrating as Ive made at least XXXX calls, spending hours on the phone and still no resolution. 

XX/XX/XXXX - I made XXXX last call today and was again apologized to and assured I am not liable for fraudulent charges and I would have an answer in 3 days. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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: VA

Complaint narrative:
On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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