vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of a credit refund from my credit account # XXXX to my checking account # XXXX. 
On XX/XX/year>, I initiated a credit refund of {$1500.00} and explicitly requested that no refund check be mailed. I was assured by the Bank of America agent that the funds would be directly deposited into my checking account within two business days, by XX/XX/year>. This did not occur. 
On XX/XX/year>, I contacted Bank of America customer service and spoke with XXXX, who informed me that a refund check had been sent out despite my clear instructions and the agents confirmation of refund into my Checking account. I reiterated that the funds should have been deposited directly into my checking account. XXXX suggested stopping payment on the check and reissuing the refund to my checking account, stating it would take an additional 10-14 days. 
I escalated the matter to management and spoke with XXXX, who stated there was nothing that could be done and I would have to wait 10-14 days for the refund.

Bank of Americas failure to follow my explicit instructions and the subsequent delays are unacceptable. Because of Bank of Americas negligence and lies to this consumer, I will have to wait an extended period of time for monies that should already have been deposited.

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 2024-06-07 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: NV

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Alley Bank has been " investigating " my account for three weeks. They have given me no information about what they are investigating or a time to finish. I have no access to my account or money. I want to close the 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 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I just called the company Mccarrthy burgess Wolff. And pretty rude woman responded asking me personal information right away. I politely denied giving any information more than the last XXXX of my ein number, email and phone number. She said on a recorded line that she assumed and she knew that if I didnt wanted to give any personal information was because the debt was mine and she didnt believe it was identity theft for the way I was speaking to her or to the company and that I must settle this account, without giving any other option to help a person that suffered identify theft. I explained that in XXXX the company names are public and anyone can see that information online, where she responded, well thats not my problem, you have to go for the person that opened this account and make them pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was a XXXX XXXX liquidation website that was promoted regarding clearance of musical instruments, I tried to buy what I thought was a liquidation sale for an alto saxophone at checkout PayPal purchase using my debit card was the option best available to me at the time after the transaction was processed I get a receipt from PayPal in my email advising I had sent a money transfer to a person named XXXX XXXX and not XXXX XXXX music store. 

The fracture created a fraudulent website and used a PayPal gateway to take payments online. 
It's not until the transaction is completed that the PayPal receipt indicates the payment was sent to the person and not a business. 

I tried to resolve the issue with PayPal directly but since I did not have a PayPal account at the time I had a lot of trouble trying to submit a dispute but I eventually was able to. 
PayPal did not call me nor request any additional information by email and they closed the case in the fraudster seller 's favor. 
My closed case number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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 2024-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, my account with Home Depot consumer credit card by Citibank XXXX. was closed. I had called to see what I can do and it was explained to me the account was closed. No notice from them but on their site to make payments. I called at the end of XXXX to set up an autopay for the remainder of the balance for {$100.00} on the XXXX of each month. Spent XXXX mins on the phone setting it up and was even told that the last payment was going to be slightly more but I had time to change it if I wanted to. I explained that it was fine to keep it where it was and that when I get to the end of the pay back I would make an extra payment if need be. The XXXX, read me all the fine print about the autopay and I agreed to it. First payment came out on XX/XX/XXXX and that was it. XXXX today when I received a collection notice from XXXX XXXX XXXX. I called to explain that I had an autopay set up and wasnt sure why I received this letter. They told me to call Citibank back and try to figure this out with them. I called Citibank back and was told, autopay was cancelled. I asked by who ... .they dont know. I asked them to review the recorded conversation. They wouldnt do that. I asked to speak to a supervisor, was told there was nothing they can do. So now I have been sent to collections on something that I took care of XXXX months ago. Not once did the XXXX from Citibank look into the matter just kept telling me its out of their hands. I asked why no letter was sent, was told they dont do that. I asked again, why was it cancelled ... .and she did not know. Now I am sent to collections and have this reflected on my credit report on something I actually set up to pay.

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 2024-06-07 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: FL

Complaint narrative:
Capital One business credit card offers payments to vendors on their website through a partnership they have with XXXX. 

Capital one is the largest stakeholder and investor in XXXX. 

We've made some payments through this system. But the vendors never received the payments. Now we are trying to get refunds for the payments and the processing fee, but they will not refund us. 

I even got an email from XXXX stating that if we released the dispute, they will release our funds... It's doesn't even seem legal? 

Every time I call capital one, they tell me to call XXXX even though the service is offered through capital one, And capital one is the largest stakeholder and investor in XXXX. 

I don't see how they can keep the processing fee of a transaction That was never completed... And I don't see how they can offer us to give us the money back if we cancel the disputes??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-07 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Starting on May 8-May 11, there was fraud committed with my debit card. There were a total of XXXX transactions that added up to {$6600.00} that I did not authorized. Transactions in XXXX for {$2600.00} and {$4600.00}, appearing to be in the state of Arizona. A {$530.00} charge in a food website appearing to be in New York base. XXXX transactions of money transfer in XXXX XXXX. XXXX transactions of money transfer in XXXX. I contacted these entities of money transfer and money was sent to countries I have no relationship with ( XXXX and XXXX ). I contacted XXXX and they could not find any record of that transaction in their system. I filed a police report and working with my local law department on this case. WELLS FARGO closed my claim and said they found no errors that the transactions were authorized by me. They closed my claim without speaking to me, they do not answer to my call requests. I have been demanding to know how the investigation took place, and I have not been given any answers. I placed a complaint with the executed offices and they dont want to work with my claim nor give me a better resolution. I placed my claim on XX/XX/XXXX and have not been given any answers since and WELLS FARGO has closed my claim and do not want to give me my money back. I should not be liable for unauthorized transactions, this is clearly fraud to me. I do not understand their line of investigation. There were several transactions in XXXX that were declined by Wells Fargo, yet they did not stop the transactions, nor was I alerted on time. I received an alert until XX/XX/XXXX, which was very late, as I had been stolen since XX/XX/XXXX. There were about XXXX transactions declined in XXXX for different amounts of money, and my account wasnt blocked from being stolen. In my XXXX years banking with them, I have never purchased in these websites that I was stolen from.

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 2024-06-07 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/year> I opened the account with Citibank. I received the check from the IRS of {$300.00} which was my state refund check. I deposit that into Citibank about a week later I transferred {$2000.00} from my XXXX XXXX account that is now closed, about 2 to 3 days Later, I tried to log into my Citibank account and it would not let me it told me to enter my account number which I did not know because I had just opened. It gave me the option to call. I gave them a call and they transferred me to the fraud protection department. I guess I dont know. They told me that they close the account but they gave me no specific reason I did not argue. I said OK when will I receive my funds, they said within 60 days being closed. The account officially closed in XXXX and I called to make sure that I will still be receiving my funds. The lady that I spoke with said that I would I was being very patient. It is now XX/XX/XXXX and I still have not received my money I called today, which is XX/XX/XXXX, and they told me that they could not verify my funds and that I had to call the IRS so that they could call their bank to cancel the payment which is something I never heard before and which is absurd. They approved the IRS check mobile deposit so why do it need to be verified and canceled now? Shouldnt it have been canceled from the start? I really do regret doing business with this company and it seems like their customer service representatives just tell you anything they can find in their little notes thatll make you just go on about your day. I would recommend this company to anyone I would recommend to 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 2024-06-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation