vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: SC

Complaint narrative:
I sent several letters to XXXX XXXX, XXXX, XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.

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 2022-12-28 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I sent several letters to XXXX XXXX, XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.

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 2022-12-28 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: OR

Complaint narrative:
i mailed on XX/XX/XXXX dispute letter. 

i did not have a reply until XX/XX/XXXX and they only asked for i.d or proof of identity, which i did send.

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX  and XXXX says to call the bank. Where did the funds go

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Collections agency was contacted several times, and affidavit has been filled out for removal of debt. Collector agreed to ignore the contact from the party, and specified that this debt is for someone with a similar name. The debt is from XXXX  and was living in XXXX  at the time. I have submitted a copy of my drivers license 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 2022-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America allowed someone to open an online account with my social security number twice. The bank has now reported it on my credit report after confirming it was fraud and my social security number is flagged. The 1st account was opened on XX/XX/2022 and the second was opened on XX/XX/2022. 
Bank of America allowed someone in Colorado to open an online banking account with my social. This happened twice in one week. After it was confirmed as fraud they sent the information to XXXX as a new account. None of the staff has been helpful or even understood the seriousness of identity theft and fraud. Both accounts were closed, but how do you allow someone to keep doing this on the same social security number?

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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
I have over XXXX in my CashApp and I dont have the old phone or email I had when I made the account so I have no way to verify the log in but I have proof of identification I have state ID card past bills and I know the password to the account I just cant get past the verification I have tried to call multiple times theres no way for me to sign in or get the funds from my account and I need to access my money. I have XXXX XXXX  proof to verify who I am just not an old phone and they basically said I cant have my money that I know is there. Thank you, I just really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report too Enclosed are the following : The fraudulent items are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022, I noticed that my checkings account with Wells Fargo was negative by {$890.00}. There were multiple checks deposited into my account and taken out resulting in it being negative. These checks were all for the same amount of {$170.00}. The checks were also all the same digits besides the last number on each one. I called the bank multiple times when this first happened and they said it would take XXXX business days to resolve. On XX/XX/2022, Wells Fargo opened another checkings account in my name and closed the first XXXX. The second account they had made was now {$940.00} negative. It made absolutely no sense and the bank statements did not show why it was negative and they gave me no explanation for where these checks came from. I have called numerous times in the past 20 days and just yesterday Wells Fargo said that they can not do anything else to fix the account. A direct deposit check was deposited into that account by my job accidentally because Wells Fargo will not close my account therefore the money deposited into the negative account and the negative amount of money was taken by my check and they will not give that money back to me. I have not touched this account since the initial date I noticed the fraud which was XX/XX/2022. At this point I am helpless and this bank is not trying to resolve this issue and does not have a reasoning for why this fraud is not being disputed. They do not care for their clients. Before any of this fraud was happening in my account I had money in there that they will also not give me back. They scammed me for my money and continuously keep giving me excuses and it seems to me like they are not worried about my situation. They have not kept me updated and I have had to call almost daily to get useless updates. They will not help me and if I do not apply pressure they will just keep the money they stole from 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 2022-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has placed false information on my reports. XXXX Credit Bureau has removed bogus information however, XXXX and Equifax keeps updating information after knowing the company has changed open dates several times. This has been confirmed by several representatives. I'm an XXXX and have to make phone calls during XXXX XXXXXXXX to try to correct this issue. I had no negatives on my reports and this company has stated they purchased this debt from another third party. They first reported bogus information of XX/XX/XXXX and have since changed to XX/XX/XXXX. After contacting this company and told to them I've never had an account with them and wanted more information. I found out from a second representative this is an account from XXXX. I do not owe a balance with XXXX. After explaining this to the Credit Bureaus I was told by both companies an investigation would take 30 days only to receive an update the account was verified after a few days. I can not dispute over phone now nor in the past with XXXX. XXXX instead of deleting account, they have changed status on my account showing a note consumer disputes account. Equifax shows negative account with note ( for XXXX ) next to XXXX this is clearly against FCRA regulations and my rights! I want this bogus information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
please remove fraudulent / unauthorized from XXXX XXXX XXXX  XXXX on XX/XX/2022 off my report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXXXXXX 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I owed a debt to XXXX XXXX that was sent to a collection company. That company has been paid in full. They still reach out to me, they will not send me proof of debt being paid off but it shows a XXXX balance on all three credit reports. I have asked them to send me my receipt for payment and to remove the collection but they refuse.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I booked XXXX plane tickets and XXXX sets of XXXX XXXX XXXX XXXX with XXXX XXXX. XXXX stated before my purchase was complete that if I got the XXXX Credit Card I could get buy-one-get-one-free-plane-tickets for my flight for also purchasing a 7 day car rental. I was approved for the credit card, I completed the transaction as stated benefits buy-one-get-one with the new XXXX credit card with my XXXX XXXX and XXXX sets of XXXX XXXX XXXX XXXX. BUT my 2 air plane tickets did not come off the purchase price. Now I just also got a credit card coming that cost me {$59.00} a year and I didnt even get the benefits as promised with my new XXXX Credit Card XXXX Purchase confirmation number is 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 2022-12-28 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:
I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 chase bank end relationship with me because of fraud XXXX checks then I really try to fixed and explain to them they wont let me reopen new account anymore finally all my money were in it I were so starving and hungry so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX but returned accurate LVNV Funding Disputed But returned accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2022-12-28 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-12-28 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2022 there were XXXX unauthorized withdrawals taken from my account, {$200.00} and {$500.00} totaling {$700.00} My mom noticed the amounts withdrawn and immediately called me because I was actually out of town and NEVER withdraw that type of cash. Our accounts are connected and have been since I was in high school, I am now in graduate school. 
We alerted Chase Bank to deactivate my debit card, I transferred my remaining balance out of the account to prevent any additional theft, and I ordered a new card. 

I sent Chase bank a letter outlining my appeal to refund my stolen money along with credit card receipts showing that I was out of town during the withdrawal time from a XXXX XXXX institution. Chase informed today that I need to go the police and have them access ATM video footage and then submit to Chase. This is a ridiculous request and highly impractical. 
I am quite concerned because my debit card was not lost or stolen and was in my possession when the unauthorized withdrawals were made. 
Chase has refused to refund my stolen money and this now more than XXXX days, I find these actions irresponsible. It is their responsibility to safeguard my money when it is in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX sued in court without notifying me. I do not know what this is not did the company attempt to contact me. The court issued a garnishment that started on my last paycheck. I used to bank with company years ago but changed banks due to more than XXXX that just disappeared out of my 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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a prepaid card from the Equifax Settlement Administrator ( http : //equifaxbreachsettlement.com ). The money was pre-loaded to the card and I expected that I would be able to use the card like money. 

However, it turned out that the card included a mandatory feature that would require that additional XXXX XXXX funds were available on the card whenever a payment was made to a restaurant ( XXXX XXXX XXXX XXXX XXXX. For example, I paid at a deli for XXXX, however, my balance was reduced by XXXX until the transaction fully settled. 

A set-up like this prevents consumers from using their funds fully and locks the money at the debit card, leading to a loss of funds. Given that a settlement is for {$420.00} XXXX, a significant loss to consumers will occur, and the gains will accrue to the debit card company and potentially to the XXXX  XXXX. 

Additionally, communicating with the XXXX XXXX is nearly impossible. I was ignored for over a month until I reached out to the settlement attorneys who escalated the matter, yet I wasn't helped anyway. I believe the XXXX  XXXX deliberately delays communication to further encourage people to abandon their money.

Company response to consumer: Closed with explanation