vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: LA

Complaint narrative:
Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: LA

Complaint narrative:
Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!

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 2022-09-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of XXXX I paid for XXXX XXXX for my cell phone use. That card had fraud and a new card was issued. A new card immediately had fraud and the money give to XXXX XXXX was taken from the cell phone carrier. I was with out a phone and needed one. I stopped using my old phone and got another phone and carrier in may I asked my card to refund me the money for XXXX XXXX which I paid the Citi card with a check. Citi said they paid XXXX XXXX and I called XXXX XXXX and they said they were not paid. Back on forth I called Citi and XXXX XXXX  asking for my refund. I called each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, finally on XX/XX/XXXX I called XXXX XXXX they said the money will be sent to XXXX to an old card ending in XXXX. I told him it was cancelled he said don't worry they know it's your account. I called XXXX and a man at Citi named XXXX said don't worry we will issue you a new card in 5 to 7 days I would receive it in the mail but on XX/XX/XXXX there was no new card so I called Citi again three times that day one said my account was closed and gave me a number to call in there XXXX XXXX Department .... The automotive system has no number to push to help me so I called Citi again said I was going to fill a complaint and a man named XXXX said Citi was not issuing me a new card but closed my account and will refund me the money of {$270.00} and it will be sent in 7-10 days and reference number to that was XXXX XXXX XXXX 
Still no refund.

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 2022-09-07 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: GA

Complaint narrative:
My information such as my identification card, social security card, full name and address, along with my bank routing and account number has been stole and unauthorized used by someone online, they used my information to open a loan I my name, I did not authorize for my information to be used nor did I do this myself, this was fraudulently done by someone else I do not know. XXXX XXXX has an incorrect phone number that was verified to open the account which isnt mine all the other information they have has been stolen and fraudulently used such as my name, social security, address and bank account, all that information was compromised online and miss used.

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 2022-09-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied and was approved for a XXXX XXXX XXXX XXXX with a signup bonus of XXXX bonus points after spending {$2000.00} within 3 months with the card. I spent well over {$2000.00} in less than 2 months and i did not receive any bonus miles. i have never had this card prior to recently being approved, and according to American Express terms I am allowed one sign on bonus per card per lifetime. I called several times over thee course of 3 months and received no help, I was told there was a pop up telling me i would not be eligible for the sign up bonus but i explained to them several times i never encountered that pop up/ page. After it became apparent Amex would not uphold their original agreement i downgraded the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
i am a victim of identity theft and my name was used for a loan with company XXXX XXXX XXXX XXXX  i have reported it as fraud and it has been removed from my experian and transunion report but equifax won't remove the account. it is XXXX XXXX XXXX and is causing detrimental effects on my credit report and my ability to qualify for credit. i have done all that I've possibly can to have this issue resolved and nothing is seeming to work. equifax has also been reporting false balances and false credit scores to companies and have caused me to be denied credit that i am sure to be approved of if they were to report the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I recently refinanced my home and closed on Thursday XXXX XXXX. I was supposed to receive fund disbursements following the closing and I've yet receive any funds. I have spoken to XXXX, XXXX XXXX XXXX  and Rocket Mortgage as they are the parties involved. I have attempted several calls with messages and sent emails to XXXX 's dispersement representative XXXX XXXX and He has not responded to my concerns. It is approaching 2 weeks and I have a mortgage due with the prior mortgage holder that has not been satisfied and paid from XXXX. I need a resolution ASAP as XXXX, XXXX XXXX  XXXX and Rocket Mortgage appears NOT to be concerned. Please help with getting a complete resolution regarding this matter..Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.

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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In response to previous CFPB complaint XXXX, Paypal refused to provided the basic relief requested unless I contacted the executive escalation office. A representative called twice the day the response was sent to CFPB. The first time no message was left. The 2nd the caller stated in voicemail that Paypal would follow up in writing. Paypal never provided me their response. In initially reviewing the response on the CFPB sie, the email address they required me to contact them through was cut off. I did not realize that a pdf of the entire response ( which, again, was never sent to me ) was attached. Upon locating the email address I have attempted multiple times to contact Paypal as they directed. They have not responded. It appears their previous response was not made in good faith and they do not seem to have any intention of doing what they should have to begin with. Multiple attempts to call back the number used by the executive escalation office funnels to the main " customer service '' center. Not that they provide any service And representatives there repeatedly and hostilely claim to be unable to put me in contact in any way with the executive office. Similar responses were received attempting to use social media to get the communication promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 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: Credit Karma, LLC
State: FL

Complaint narrative:
credit Karma promises that they had been " pre-approved '' for financial products, including major credit cards. 
Not being true my credit score drops considerably

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed a business checking, savings, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Wells Fargo on XX/XX/2022 over the phone. They were to send a cashier 's check to my home for more than {$5000.00}. I waited the 15 business days then contacted Wells Fargo. They sent me to a branch where the branch manager told me she could not help and opened a complaint with corporate Wells Fargo- they are sending me back to the branch. They have confirmed the check has not been cashed but refuse to put a stop payment on the check and reissue it. They have had my money for more than 6 weeks and I very much need the funds for a medical proceed I undertook last week.

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 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
On XXXX someone fraudulently started online gambling accounts at XXXX XXXX and made 2 withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
This was reported Unlawfully..I been trying to get it removed since 2015

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 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
Hello, After the official announcement regarding the Biden-Harris Administration 's Student Debt Relief Plan on XX/XX/2022, I followed up with my federal student loans servicer, EdFinancial to request a refund on a payment I had made during the COVID-19 pandemic debt relief ( CARES Act ) and received inconsistent information regarding my refund. 

I first called EdFinancial on XX/XX/2022 to request a refund of {$2000.00} ( {$2000.00} principal and {$17.00} interest ). The representative ( XXXX  ) informed me that I would receive my refund in 120 business days and that I would not receive a confirmation about this refund request, and that I would have to call in a few business days to check up on it. She also noted that I would receive the refund via a check, even though my payment was made online. 

On XX/XX/XXXX, I reached out to 3 EdFinancial representatives ( 2 online and 1 over the phone ). The first representative I contacted online disconnected before I could even ask my questions. XXXX, the second online representative I connected with informed me that my first refund request was made for ALL the payments I had made during the pandemic, not just the {$2000.00} amount. I requested her to fix my refund request to reflect that I only wanted {$2000.00} back. She informed me that I would receive my payment back in 120 days, but through direct deposit. 

Also on XX/XX/XXXX, I contacted EdFinancial again over the phone due to the confusion with the refund request amount. The representative I spoke with ( name not collected ) clarified that my refund was for {$2000.00}. This representative also informed me that EdFinancial had made a " note '' on my account. I still have not received any form of confirmation. 

My complaint stems from 3 major concerns I have. ( 1 ) Lack of formal confirmation about my refund request, ( 2 ) inconsistency in how I should expect my refund ( check or direct deposit ), and ( 3 ) timeline for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IN

Complaint narrative:
I am a victim 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. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-09-07 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: IN

Complaint narrative:
I am a victim 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. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thank you for calling me back Friday on my Chase " check " issue. I'll just start from the top and give you all the info I have retained. If there's something we can do I'm in. 

I have spent hours in the office with my personal banker at Chase ( XXXX XXXX XXXX XXXX ) and he personally has sat on the phone and they keep telling us the same thing everytime. The company, XXXX XXXX is the checkmaker and I currently do consulting for them. Chase has given me two options as far as proving the check isn't fraudulent and belongs to me ( XXXX XXXX XXXX ). They think the check is fraudulent XXXX XXXX  mobile deposited it. Through Chase 's mobile deposit system the photo that appears at chase does not show the security tags on the check so they think it's fraud. I have proof however that chase has several of these mobile deposits from the same company that have cleared for other customers. 

Back to Chases options- The first option is getting the checkmaker from XXXX ( XXXX XXXX XXXX XXXX XXXX ) to walk into a chase XXXX-which doesn't even exist in XXXX. The second option is to have chase call XXXX ( which I've had them do till I'm blue in the face ). However, the Chase system will only allow certain numbers to be approved to let them call in. For some reason Chase will not call the main number and press ext 4 to speak with the accountant. The obvious step for Chase to engage would be calling the bank or noticing how I have a past wire from XXXX. 


XXXX XXXX XXXX XXXX  is XXXX XXXX XXXX. I've gone through Chase executive branch and fraud branch as well and it always comes down to these two options every time. I speak to XXXX at the XXXX branch XXXX XXXX XXXX ext XXXX and as far as the fraud branch goes half the time someone from XXXX answers. 

I figured in the beginning it's only a check for XXXX so I'll mobile deposit it to make it easy. However, The past few weeks have been super frustrating trying to work this out and the last thing I want is for Chase to keep this money just on principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been getting repeated letters from BOA about getting a credit card that I didn't apply for. The latest was on XX/XX/2022, reference number XXXX. I have summitted a complaint and have asked the company repeatedly to fix the problem. They need to check an on line application to see if there is already an account at BOA with the SSN provided and then immediately text, email or call the user to see if they submitted a request BEFORE pulling a credit report that will affect that user 's credit rating. BOA seems unable to understand the problem and they should call me at XXXX to get it right. I have had to set up accounts with the credit bureaus and freeze credit reporting to keep this from happening.

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 2022-09-07 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: IN

Complaint narrative:
I am a victim 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. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX CFPB compaint XXXX requested Paypal delete my data as my account is closed. Their response claims they " must '' retain records for 10 years. Why then does their website offer the option of data deletion? Either their response is false, or their website is a con. I want my data deleted as would happen if I were able to access the account and select that option through the Paypal website. No game playing. No twisting words. I want confirmation that whatever the " delete my data '' function does has been done. Or I want Paypal to admit this is a fraudulent offering and notify all of its customers to that effect. Obviously since they claim they emailed me and I didn't receive it ( no it wasn't in spam ) this is the only way to address this ongoing issue.

Company response to consumer: Closed with explanation