vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SunTrust will not credit my business checking account for a charge for serviced never received. I sent 3 letters and you can not talk to a person. Hold times are over 2 hours. 

Debit Charge dispute with XXXX Card Number XXXX Amount : {$140.00} Date : XXXX A letter was previously sent before to SunTrust with all the information listed below. It is very simple. XXXX has charged me for a car rental that I never got. I arrived on time for the pick up the car. XXXX should refund us {$140.00}. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. No phone number is listed Sequence of events Car was booked thru XXXX. on XXXX Confirmation number XXXX Car pick-up date : Location : XXXX XXXX XXXXXXXX XXXX XXXX Date and time : XXXX at XXXX XXXX I arrived at XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. I was told me that a car was not available and was given a phone number to call. I call the number and was put on hold for over an hour. After traveling for 7 hours, the last thing I wanted was to sit on hold. 

I took a taxi to my Motel. I called XXXX the next day and the same thing happened. I was put on hold for over an hour and then someone hung up. I finally gave up. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. 

I then contacted SunTrust to dispute the claim and the wait time was 3 hours. I then went to the local SunTrust branch and had a personal banker contact SunTrust. About three hours later he called me and told me he finally got thru and filed the claim. I got a letter about two weeks later from SunTrust asking for more detail. I mailed the letter. 

On XX/XX/XXXX, I receive a letter asking for more detail about the dispute. This is extremely poor customer service. This is a business account and this issues should have been resolve long ago. 

Kind Regards, 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 monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Experian to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/21 stating that the dispute was pending, and on XX/XX/21 it was verified as accurate. It has now been well over 120 days since I initiated contact with NCA, and over 100 days since I initially contacted Experian. I do not believe that an investigation was done at all.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I would like to report Chase I applied for chase XXXX credit card. They have an offer that we can spend {$15000.00} and get a XXXX  free night with a card membership year. But last year, they change it to that we need to spend {$15000.00} in a calender then I can get a free night. And this will also be reset in XXXX. But I still finished spending {$15000.00} in XXXX and I had screen shot to prove that. However, when I ask for this free night. They have so many excuses and play around all the time. I wish you can help me with this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Td Bank sent 3 seperate accounts that i never opened all checking

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My Barclay 's JetBlue credit card was either lost or stolen on XXXX XXXX, XXXX. Between XXXX XXXX to XXXX XXXX, the credit card was used for {$2600.00} of fraudulent purchases and cash advances in the XXXX XXXX area. On XXXX XXXX I received a text message from Barclays alerting me that there was suspicious activity on my account, and I immediately called Barclays to inform them that all recent activity on my account was fraudulent and to cancel the credit card. I also submitted a form online identifying and disputing the fraudulent activity. 

After several weeks, some of the fraudulent activity was still posted to my account, and after several more phone calls to Barclays customer service, I was finally able to get all fraudulent activity tagged removed from my account. 

However, on XXXX XXXX, XXXX, I received another letter in the mail from Barclays stating that they had completed their fraud investigation and determined that some of the transactions we valid ( which they were not ). These fraudulent charges had been added back to my account. They provided me with no evidence to prove these charges were valid either in writing or on the phone. After multiple phone calls with Barclays on XXXX XXXX, XXXX, they stated they would only reopen the investigation into this fraud if I was able to file a police report, which I did that same day. 

All purchases and cash advances ( totaling {$2600.00} ) on my Barclays JetBlue credit card between XXXX XXXX and XXXX, XXXX are fraudulent and not made or approved by me. The card was either lost or stolen -- and not in my possession when these charges were made. After XXXX calls and multiple hours on the phone with Barclays customer service, some of these fraudulent charges are still on my credit card.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
Bill collectors Grant and Weber state that I have an outstanding debt and have filed a report with XXXX causing my XXXX  score to drop XXXX  points. I contacted Grant and Weber and they have no record of my name, social security # or address on file but will not remove the issue.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022 I made and mobile deposit of XXXX checks insurance checks with amounts of {$3100.00} ; {$180.00} ; {$710.00} ; {$2000.00}. I was alert during the deposit that there would be hold on {$1000.00}. I was told that other funds would be available immediately. Within the next few hours, my bank card was deactivated and I was all funds were unavailable to me. I contacted the USAA Bank however I was placed on hold for over an hour then hung up the phone. I called back then they were closed. Due to time, I had to wait until the morning to contact the USAA bank to find out the reason. I spoke with a XXXX which had me on the phone for over an hour to verify all the checks. The XXXX stated to me that she was placing a note in account what she had done so that I would not have anymore issues. We completed the call and with the hour I received alerts that my XXXX XXXX was disconnected for my account and I need to contact the bank. I contacted the bank for the third time was told I needed to talk to the fraud department. I waiting XXXX hours on the online for someone named XXXX to ask me the same questions I was asked before. XXXX also ask me aggressively why I had the checks, and what did I do for a living. I asked him wasnt this all documented in the system and I was yes and that he read the notes and he took the hold off and all the issues. He then stated that if I had any issues to that it would go straight to that department to clear it up. Later on in the day, the issue was still not resolved, I contacted the again on XXXX evening and spoke to a XXXX that stated that she saw all the approval of hold off the account but she did not see the date. She then when me to another XXXX named XXXX that stated that he did not see any communications at all within system with anyone throughout the day with any time that I call and that he placing hold on my fund until XX/XX/XXXX. I was not provided any documentation as this effect nor reason. On XX/XX/XXXX, I received an email stated that funds of {$1000.00} were available to me as it stated before when I originally made mobile. deposit. However, those funds have been held as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, XXXX, and Transunion are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Experian, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX a credit card for Bloomingdales appeared on my credit report. I reported a dispute, and again on XX/XX/XXXX I reported again another dispute. with no report of a solution. I contacted bloomingdales today XX/XX/XXXX and they have started a fraud investigation and I have reported to XXXX again and they have reported fraud also

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 2022-02-07 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: NY

Complaint narrative:
I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. These information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022, I was a victim of a Scam. Someone hacked my XXXX account and posed as XXXX customer service to help me purchase a sculpture. They were able to recite personal XXXX correspondence between the seller and myself, thus signifying to me they were indeed from XXXX. 

In an email ( from XXXX XXXX XXXX XXXX ) this phony XXXX customer service confirmed they would return my money if I didn't receive the sculpture and asked me to transfer {$360.00} via. XXXX to them. After I did so, when they immediately asked me for more money, I became suspicious and asked for my money back. When they refused to return my money, I hung up and immediately issued a fraud case with Wells Fargo XXXX customer service with XXXX XXXX XXXX XXXX XXXX XXXX opened a fraud case # XXXX and said I would be hearing from a fraud examiner in XXXX days. 

On XX/XX/XXXX when I didn't hear back, I called Wells Fargo Fraud customer service. XXXX XXXX confirmed they had my case, but I needed to speak with another department because " it wasn't fraud but a scam ''. I was transferred to XXXX XXXX who said I needed XXXX claim, and I was transferred to XXXX XXXX who said she would transfer me to the Fraud department I was first speaking with. At this point I thought it best to go to the bank. 

On XX/XX/XXXX at the Wells Fargo 's XXXX NJ XXXX, I met with banker XXXX XXXX XXXX. he called the fraud department I was speaking with and confirmed they had my case, and I should be hearing from them soon. 

Today XX/XX/XXXX when I still had heard from no one, I called Wells Fargo 's fraud department. XXXX XXXX saw my complaint in their system, but said she needed to transfer me to the XXXX XXXX department. She said she would remain on the line, but didn't, and I was transferred XXXX to XXXX XXXX in the general customer department. At this point I gave up and decided to open this complaint. 

Additionally, I contacted XXXX and discussed this and they said basically they could not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: SC

Complaint narrative:
VW credit inc. acct # XXXX, ( XXXX ) XXXX, Orignally opened XX/XX/XXXX. 

This account was included in a XXXX  XXXX bankruptcy which was discharged in XX/XX/XXXX. VW Credit has reported late payment on my account, for a car I did not own, for the dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again the vehicle was surrendered at the end of XXXX as part of a XXXX  XXXX bankruptcy. The information VW Credit has placed is wildly inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: NV

Complaint narrative:
On XX/XX/XXXX, I recieved an email stating someone was added to my wire transfer list and minutes later a transfer was stated for XXXX I immediaty called wells fargo and told them it was not me. They stated a investigation and on XX/XX/XXXX i recieved a letter stating my claim was denied. I called minutes later, they should have canceled the request to wire. Now I have lost XXXX I called right away and lost all my busniess account money to contiune working.Wells Fargo will not help me at all.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Re : Cease and Desist From Reporting Information Below To Third-Parties. Consent was not granted to share ( Account information in attached documents ) Please read the information below CAREFULLY and SLOWLY as to not get anything confused!

Thank You! To Whom It May Concern : Pursuant to 15 USC 1681b-Permissible purposes of consumer reports. 
IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I, XXXX XXXX never gave Bank of America any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 
Pursuant 15 US Code 1692c ( C ) - If a consumer notifies a debt collector [ or any data furnisher ] in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector [ or any data furnisher ] to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Communication - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Medium includes : Telephone, a letter in the mail, social media, email and a consumer report. 
Reporting to a consumer reporting agency is VOLUNTARY which means you are using my consumer report as a form of coercion that is keeping me from getting a new bank account.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continue to report negative items in my credit report that are over seven years old. They continue to report a XXXX XXXX that has been discharged. They continue to report late payments that obviours dose n't exist for over seven years. The two other reporting agency have done the proper thing in removing these items and making an accurate 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