vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union, my bankers, has blocked my XXXX account permanently for no justification. They content that I received that someone sent me XXXX of {$150.00} which the same person went to the bank that the money was drawn from that there has been a fraudulent transaction from someone to me. The person who transferred the XXXX to me is called XXXX XXXX. I contacted him about this situation and he explained to me that the account he used to send me the XXXX from XXXX XXXX  has multiple people on the account. One of them was his niece. This niece of his, according to XXXX, reported to XXXX Bank that someone has fraudulently transferred {$150.00} from her account to XXXX XXXX XXXX ( me ) through XXXX. 
XXXX XXXX, without investigating, sent a message to XXXX and Navy Federal about this transaction activity. 
After I contacted XXXX about this issue, he called XXXX XXXX  the it recanted the fraud and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to Navy Federal.

As I write this piece, Navy Federal has not reactivate my account for not justification. The bank mislead me by saying it XXXX that place the ban on my Account but XXXX vehemently denied that. The later agreed that it did that. This is brazen corporate outreach against person of color like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
All my credit cards have been secured credit cards. XXXX XXXX  refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account. 

With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong. 

Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
On XX/XX/2023, I applied for a XXXX Simplicity card to transfer a balance from my Chase Sapphire Reserve card. I was approved, and initiated the transfer immediately. After XXXX two week waiting period, I was told that it would take an additional 2-4 days to process my transfer, during which time my original, full payment posted to Chase ( I paid onmy due date of XXXX, the transfer was processed on XXXX ). XXXX assured me that once the transfer processed, I could have the overpayment refunded to my bank account ; I called Chase and arranged for this to happen, with a refund of {$3800.00} from my personal payment back to my bank account. I gave my routing and account number, and was told that the transfer would process in 1-5 days. When nothing happened, I called the bank, and was told that my refund had been denied, and that somebody should have told me additional documentation was required ; upon follow-up, I was told that there was no way for Chase to refund my overpayment without incurring interest charges for the day between my initial payment and the balance transfer, which there was no way for them to calculate and inform me of in advance. They told me Id been misinformed by the previous agent about my refund being en route, but I was never contacted or informed in any way, and would not have known that there was a problem had j not called customer support to try to follow up. I also was not able to file a complaint or escalate my call, as the supervisor who I was initially connected to told me that she was responsible for all complaints and also the only supervisor to whom one could speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: GA

Complaint narrative:
I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-16 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: NJ

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16 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: TX

Complaint narrative:
I recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures.

PLEASE DELETE.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is incorrect personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting copies of the statement from credit card your site is frozen.

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Goodmorning, I bank with Chime I have for about 2 years now. Sadly I was XXXX from XX/XX/XXXXXXXX XXXX XXXX roughly 6 almost 7 months. When I get home I actually have to buy a new phone and get a new wallet and ID because someone had stolen them while I was in XXXX. So I get a new phone and access my email address and check on my funds that I had saved up in my chime account. Well unfortunately someone stole over {$8000.00} from me during the time that I waXXXX XXXX as well as taking my ID & social. So immediately I file a dispute show documentation through the court and sheriffs office to prove I was XXXX during the time being & that these were unauthorized transactions. I also filed a police report about the matter and sent them this documentation as well. My Dispute claim was DENIED though I showed supporting documentation as well as a police report and also employees at chime assured me that I had nothing to worry about but I need the money that I worked so hard for thats literally my life savings I cant pay my bills or even attain a lawyer for my legal troubles. The dispute number is ( XXXX ) I also have documents and everything I need to prove that it was not me whom did this, the person used XXXX to wipe my card by attaching my card information to their account and pulling money as well as paying personal bills out of my account. I have all of this as evidence and would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16 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: NJ

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
I would like to dispute this information on my credit report. Day of first late payment is incorrect. Please delete from my credit report. This account is older than 7 years.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Back in XXXX of 2022, I joined the XXXX in when I did I closed all my credit cards when I closed my capital one card they told me that I would not have to pay off a balance so I was good but when I was done with all my training I came home to a XXXX XXXX dollar payment I have called them but they just keep telling me they are sorry one of their workers told me that but I still have to make the payment I have been paying it but think it is unfair that I have to pay it when one of the workers gave me the wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
In XXXX XXXX XXXX, Marcus GM Rewards Card by Goldman Sachs sent me an e-mail special offer stating that if I opened a new GM credit card account and spent {$1500.00} in fuel per calendar year, I would receive a {$100.00} statement credit. Thus, I accepted the offer and made {$1500.00} in gas purchases by XX/XX/XXXX, which was three months earlier than the expiration date. 

In XX/XX/XXXX, I called GM Rewards Card customer service to inquire why there was no {$100.00} credit shown on my statement. The representative I spoke with told me that it would take 2 billing cycles for the {$100.00} credit to be deposited into the account. On XX/XX/XXXX, there was still no {$100.00} credit deposited into my account, so I called to inquire about the matter. The bank representative XXXX XXXX ) did not know why there had been no deposit yet into my account, so she decided to open up a case regarding the issue ( XXXX XXXX : XXXX ) and informed me that a bank specialist ( XXXX ) will contact me in 3 to 5 days. I waited for the phone call, but no one called. 

On XXXX XXXX XXXX, I called again and asked to speak to the manager ( XXXX XXXX, and he promised that he would call me back by the end of the day with a resolution. I never received the phone call on that day, and its been almost a week and no one has contacted me. 

Bucking responsibility and forgoing accountability is one thing, but to personally promise a customer that you will take care of the issue and never do so is beyond poor service. I understand that mistakes happen, computer failures occur, and things cant always run as smoothly as planned. However, I dont understand the lack of customer service that I received. I felt disregarded and unvalued, much to my disappointment and consternation. 

Providing the best banking service, or even just plain old good service, instead of the service itself will undoubtedly make a difference. Never forget that todays customers expect and demand to know how their money is handled. Failure to provide answers to a customers questions or inept management that could care less about anything except their inflated egos will only bring loss of business. 

I still haven't received the {$100.00} promotional offer that I was promised, even though I fulfilled all the requirements within the first calendar year of my account opening. This bank is unscrupulous and is manipulating customers through false advertisements, deceptive representations, and omissions. This corporate conduct is illegal and corrupt. An examination of this bank is very much needed. 

Thank you for your time and attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
delete fraud charges no knowledge of account please remove off credit report credit control services inc.. XX/XX/2021

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 non-monetary relief