vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I transferred {$4500.00} from my XXXX debit account to my Chime virtual account on XX/XX/XXXX. The money posted as available the following day, XX/XX/XXXX. Chime immediately restricted my access to my account and then requested personal information which I provided, repeatedly, in order to restore access to my account. They have since ceased responding and it is now XX/XX/XXXX. They are withholding my funds, refusing to release them or reverse the money transfer, and denying access to my funds AND my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/2023 I received a letter from I. C. System, Inc. stating I owed {$310.00} to XXXX XXXX  and I. C. System, Inc. was a debt collector trying to collect XXXX XXXX  debt. I called them and found out that XXXX XXXX  was XXXX XXXX XXXX XXXX cell phone. I was also told that it was a commercial account. The phone number is supposed to be XXXX. 

I. C. System, Inc. recommended that I contact XXXX XXXX XXXX at the website XXXX XXXX XXXX  My browser will not let me connect to that site. It tells me that it is an unsafe site. 

I called XXXX XXXX XXXX Cell phone and they told me to write this note to their abuse email. I am also sending a copy to the FTC at www.consumer.ftc.gov and to the XXXX  attorney General web site. 

I have never had an XXXX XXXX XXXX XXXX  cell phone. I have never had a cell phone with the number XXXX. I have never had a commercial phone account. I have never received a bill from XXXX XXXX XXXX cell phone company. 

Somebody is illegally trying to obtain money from me under false pretenses. Please remove my contact information from this bill and contact the major credit bureaus about this fraud attempt and to remove any negative information about this so called debt. 

Cordially, 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
A payment was made on the account on the XXXX of XXXX, and on XXXX of XXXX, but the payments were pulled from the wrong account. I was a victim of identity theft, and that account was closed. I have been dealing with this issue, since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, XXXX, Experian are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day

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 2023-12-02 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have tried to resolve this for months. I spend hours on the phone, mostly on hold to get to someone. I always have to ask for a supervisor to even get someone to understand what I am needing help with and that takes a very long time. I have uploaded many files that I will upload today in regards to this claim. This company is blowing me off and I think its because they closed my accounts and now no longer care about me since I am not a client. That isn't ethical. 
In XXXX of XXXX  I purchased something with emerson ecologics for {$130.00}. Those items never arrived. I disputed the charge multiple times and each time, Capital one closes the account and now are asking for payment on this account. I have texted and talked to XXXX XXXX on the phone multiple times, and each time they tell me they credited me back in XXXX in two amounts, that do not show up on the account and Capital one has confirmed they never received credit. This should be a cut and dry case. The emails from XXXX  show that I am due a refund but for some reason, their credits don't come through. I am beyond frustrated with this process and the lack of support by Capital one. I wait on hold hours and then they tell me, oh, just upload the supporting documents and all will be fine. NOTHING changes. its so impersonal and I don't have the time or patience to wait online as a XXXX person who struggles with day to day health issues. The original charge is on XX/XX/2023. The charge has been credited then recharged, four times during this dispute process. I am due a full refund! This is my XXXX  XXXX account. 


The second issue is that after this XXXX XXXX charge is credited, my balance should be at zero but for some odd reason, there is an outstanding 30 some dollars remaining. i have asked capital one to tell me where this charge/ balance originates as all charges should be credited but they never answer. this should not be a question that can't be anwered. It would take too long to send you screen shots of my entire account of charges and credits but capital one should be able to go through that and tell me where the outstanding charges occur that make up this balance they say I owe ( minus the XXXX XXXX ). I have been asking this for months and months!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting closed accounts to my financial bureau which caused my credit score to decrease. My credit score decreased XXXX points without any detailed information of why...

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
COMPLAINT ID XXXX CFPB. I filed against Wells Fargo need to be amended to reflect Wells Fargo Claim number XXXX. I mistakenly put Wells Fargo Claim XXXX which is wrong. I further request information as to why my Wells Fargo account Clear Access account is overdrawn when the Wells Fargo Clear Access accounts DO NOT allow overdrafts. I further seek clarification as to why Wells Fargo Claim XXXX I have not received documentation thru mail or electronic as to its outcome. 
I properly reported the fraud. If the account was being monitored why was I not notified by text, email or call? Only by email when my account reached zero and over {$5000.00} was taken. Wells Fargo states Zero Liability if timely reported. I reported when Wells Fargo emailed me my account was at zero. Time line shows I was headed to XXXX XXXX, then California, Arizona yet that same card was used in two separate states at the same time. My Wells Fargo Clear Access account is over drawn yet that particular account does not allow overdrafts.

Wells Fargo can not advertise Zero Liability if reported timely, and then turn around and deny based on IP addresses, and login information, which are subject to be compromised fraudulently.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. TransUnion, XXXX, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : 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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, Equifax, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
When i transfer money XXXX or XXXX bank account i can't make transfer. money is refund or cancel everytime. 
when i transfer money to bank account only XXXX dollar i can transfer. Why? at least XXXX or something right. but now only XXXX only i can transfer but everytime refund or cancel. 
Please explain to me. 
Thanks for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION
State: GA

Complaint narrative:
This issue is in regards to UMB Health Savings Accounts and the associated Investment account tied to this account. My intention was to transfer the funds from my UMB Health Savings Account to a XXXX XXXX. 
( XXXX ) XX/XX/2023 - {$6600.00} was transferred from the UMB Investment account to the UMB Health Savings Account. The Total balance was {$7600.00} ( {$1000.00} was the existing balance ) ( 2 ) XX/XX/2023 - The Account transfer to XXXX took place, but UMB transferred only {$970.00} to my XXXX account and not the full balance. UMB transferred back {$6600.00} back to my investment account and then proceeded to CLOSE my Health Savings Account. Additionally, it's not quite clear why {$6600.00} was not transferred back and how I lost {$63.00} during this process. 
( XXXX ) XX/XX/2023 - I initiated a transfer back to my Health Savings Account of current investment account value of {$6600.00} thinking it would be OK to do so. Instead it rejected this transfer and the funds never returned to my Investment account. 
( XXXX ) XX/XX/2023 - I called UMB, but they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us bank closed my account on XXXX XX/XX/XXXX for unknown reasons they refuse to reveal the reasons to me. I was told I would receive my money by check in15 days it is XXXX XX/XX/XXXX and my money is still being held over XXXX in beginning and another XXXX deposited on XXXX XX/XX/XXXX by disability direct deposit bc account shows open. I am late in rent water gas electric cell phone internet storage not to mention Ive had no money this is all I have its causing a hardship. My Mac rent check bounced due to the block they submitted even though the money was in account. This has made me almost 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 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband noticed a XXXX XXXX from amazon for {$140.00} from XX/XX/2003 on chase credit card, which we did not authorized and was disputed as we were directed to do when we called Amazon, were the charge came from, the amount was disputed and AMAZON refunded the money back, the dispute was resolved, but the problem was when it never reflected on the credit card balance the balance appeared the same as it if the prime charge was never removed, I called chase several times spoke with different people and finally one supervisor caught the error but unfortunately she had transfer me to the recovery department from what I remember and said after I asked that she could not provide a direct phone number to her and that the issue had to be resolved by this specific department even tough she explain the issue before she transferred me they did not resolve anything even thought I explain many times that I completely understood that they were directing me to look at the statements they provided but never reflected that the amount brought the balance down as it would have to reflect, they told me when I disputed the amount they credited the amount and they took it back and CHARGED IT AGAIN so that is why my balance never went down because the way it was done would not reflect that amount being removed if you have any questions please fill free to reach me at one point I thought of just letting them literally rob us but then it's not right and we should not have to pay this amount, thank you, also the supervisor that I spoke last is XXXX gave me a case # XXXX this might be helpful because she is the one that understood the issue but transferred me to recovery department where nothing was solved, thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
From yesterday, XX/XX/XXXX of XXXX, XXXX, I received 4 emails from XXXX. The features of the offering of them are following ; XXXX. XXXX ( XXXX ) -- XXXX credit limit card XXXX. XXXX ( XXXX ) -- Digital Checking Account opening and a purchase of {$25.00}, and {$1000.00} win offer XXXX. XXXX ( XXXX ) -- Offering of a right loan XXXX. XXXX ( XXXX ) -- Credit card 0 % intro APR

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: WA

Complaint narrative:
I recently checked my credit because Im in the process of trying to rent a new apartment and was shocked to find that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was not helped. I have a police report on file and was trying to file a dispute. The same woman answered my calls every time I call and tells me due to her system she can't access it and as a result she refuses to file my dispute every single time. She refuses to process my disputes. And TransUnion does not have online dispute access, or they are refusing to allow me to submit disputes.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.

Company response to consumer: Closed with explanation