vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: PA

Complaint narrative:
Ive tried again contact with XXXX  Trans Union and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/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 2020-11-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive tried again contact with XXXX  XXXX XXXX and Experian Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX  Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXXXXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/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 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Previous complaint filed with CFPB back in XX/XX/2020. 

Fees were not fully refunded when balance was paid in full. 

The company continues to contact me on my cell phone when I previously advised them they are not to contact me on my cell phone. 

They are charged me fees on top of fees which has amounted to additional late fees and finance charges. 

They have also called me and failed to disclose that they are calling to collect on a debt which is a violation of the Fair Debt Collections Practices Act. ( Mini Miranda ) When I called out the regulatory violation the representative laughed at me and called me a liar and said I did not know what they were talking about. 

They also did not disclose that they were recording the call or not, if they were that is a violation of TCPA where it is a requirement to advise a caller they are being recorded. 
I attempted to record the call but unfortunately it did not work. 

The numbers they call from are either Blocked or masked numbers which I believe is also a violation of TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
My daughter has a usaa account. My wife is on both accounts and USAA decided to take an unauthorized {$800.00} transaction to cover my daughters account. Was not told about this, had to see it on my account days later. I called USAA and they said nothing would be done. This bank continues to discriminate against me and probably other veterans and they need to be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
2 fraudulent checks were withdrawn from my account with M & T for {$1000.00} in early XXXX I believe the date was XX/XX/11. 8 checks tried to be withdrawn but since I only had available funds for 2, only 2 checks went through. Each was made out to a different name and I did not recognize any of them. Checks were deposited in XXXX  XXXX XXXX accounts Check were manufactured with check numbers out of sequence. All information on the check was typed. Check had my signature on it and resembled a check I had written a few days prior. I filed a police and sign the affidavit with the bank. No one got back to for months. I called several times and they had no updates for me. In XXXX the bank closed the account and then sent to me collections for overdraft fees from the checks. I was told those fees would be waived once this issue was resolved. I went into the branch end of XXXX/early XXXX and spoke with the branch manager. She said everything was filed correctly and that they should have opened another account for me to attach the case too. She also said that I should have been given provisional credit, which I was never given. She called the department handling the case and started emailing them. She said she would call me with updates and gave me her card. She called me the next day and said they were working on and it since my account was closed they wouldn't need to open another they would have the money added to the branch and give me the funds from there. I emailed the branch manager and called her direct line several times over a 2 week period. I finally had to call the branch directly to get a hold over her. She told me that they declined my case, she couldn't give me a reason and said that she opened another case. I asked for the number of the people handling my case in fraud and the investigator, she could not give me either she gave me the 1 800 number for the fraud department and said if I called them they would just put an alert on the case. This has been 7 months of terrible customer service and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I wanted to buy a nice meal for my family on XXXX  and contact this lady and she insists on using XXXX to pay her {$180.00} and said I am in front of the post office and will send you the tracking number for the shipment right away. I was hesitant but noticed it was available through WELLS FARGO WEBSITE, so I figured it must be a trusted app and that WELLS FARGO BANK would stand behind anything that is available right there in their WEBSITE! Right after I sent my payment, the seller stopped responding to me and would not answer any phone calls or texts, and the thanksgiving food as promised. 
I called well Fargo to stop the payment and refund me the money. they said we can not help you. As of the time of posting, WELLS FARGO BANK has not helped me get my money back. 
As I am reading now these are not isolated incidents. The banks are doing nothing to help victims of XXXX scams and seem to have no legal obligation to do so. Instead, theyre saying because the buyer authorized the transaction, theres nothing they can do to help recoup the stolen money. 
Scammers know people arent aware of this because XXXX is brand-new. They also know that people will choose to trust XXXX because its backed by their bank and because its a feature within their banks own website.

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 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
I have an XXXX  in XXXX XXXX XXXX XXXX on XX/XX/XXXX an they asked me for a co-payment of {$550.00} That I paid before the procedure, after months receive a letter from the hospital that I owed {$880.00} and when I called they couldn't explain to me what that come from, after the four time calling them they told me that it was a coinsurance copayment, I Have called the insurance several times and they said it was paid what the hospital billed on XX/XX/XXXX, even those they send me to collection, please can you investigate this?

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 2020-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank/Victoria Secret closed my account due to a false fraud claim that was never disputed with the credit reporting agency. I contacted all 3 credit bureaus and they stated they never submitted a fraud dispute for my Comenity Bank/Victoria Secret card. 

I have never had any fraud related issues or fraudulent transactions with the Comenity Bank/Victoria Secret card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX. XXXX, XXXX AMERICAN EXPRESS add a hard inquiries on my credit reports per XXXX and XXXX 
On XXXX XXXXXXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a Citi checking account about 8 years ago. It was free as long as I did 2 online transactions a month. So I did direct deposit and an auto draft free for my health insurance. 

Along the way Citi started fees. now, they want {$25.00} a month AND gave me no options - like to convert to a fee free checking account. I am XXXX with XXXX XXXX and XXXX failure. I can not afford a $ 25 monthly new fee. 

I asked them to refund the fee and try to find me an alternative checking account to avoid the fee via chat on XX/XX/2020. They declined my request to refund the fee and gave me no options for another 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 monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On or around XX/XX/XXXX I noticed something on my credit report for a balance of XXXX XXXX I called the collections agency and they told me my account was being handled by XXXX XX/XX/XXXX. I called the law office and spoke with an account rep and she notified me that I needed to pay the amount above. I disputed the account over the phone with her that same day. I also sent out dispute letters regarding the account to both offices ( national credit systems ) to verify the debt. I called the law office today XX/XX/2020 to see what the progress was, and the account has not been investigated at all! They can not verify the debt that it is in my name! In breach of the fcra! I can not speak to a supervisor on either companies because all they do is hang up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some account are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the account be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have a portion of my check deposited into my Chime bank account. it shows on my employer end that the funds were deposited into my chime account on XX/XX/20. As of right now XX/XX/20 their systems are down and they are not able to access accounts and on my end they is showing no deposit into my account. I called customer service was waiting for over 45 minutes to talk to live person for them to tell me to call back in 30 minutes. It's a day before XXXX and going thru Covid is a hardship as is and for a company to treat them customers with no disregard is sinful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
To whom it may concern, I'd like to raise a complaint on Mr. Cooper as a mortgage originator. 

The situation : I have an existing loan that Mr Cooper services well. 

I saw a Black Friday promotion to explore potential refinances on the website. I called in, and spoke to XXXX XXXX. 

She had to pull not only a soft credit, but a hard credit check - in order to give me a basic mortgage quote ( rate/APY/fees ). e.g., I was rate shopping. 

A quote that was uncompetitive was produced. Uncompetitive based on my credit score based on the LTV for the loan. 

The issue : It is not acceptable for a mortgage originator to have to do a hard pull in order to rate shop. A hard pull is associated with application, where I explicitly informed Mr. Cooper I was rate shopping and that could lead to an application, later. 
Not immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: NJ

Complaint narrative:
I applied for a loan with XXXX but I was rejected even though my XXXX and XXXX accounts said I had a XXXX XXXX  score. XXXX said I should verify my information with the 3 credit agencies. I noticed that Experian has 2 late payments which are not accurate and a collection amount of {$640.00} The collection is for a {$640.00} fake XXXX XXXX bill. I filed complaint with XXXX XXXX. Experian ruined my credit based on inaccurate information. I can fix my credit if I pay monthly fees of {$24.00}. Is it not extortion to pay Experian so they stop reporting unverified fake information about me. I should not be responsible to make sure Experian reports correct information about 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 2020-11-25 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is my second attempt disputing COMENITY BANK/XXXX  # XXXX, an account that has already been paid off and still remains on my credit report. The account needs to be deleted from my credit report immediately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX XXXX,2020 i submitted a complaint to CFPB for Midland Credit Management , Inc and was assigned assigned complaint number XXXX. I asked for validation of debt which was received by them on XXXX XXXX2020. I submitted a letter with specific instructions and still haven't received it. I will attach the letter for your records. The only response i received was billing statements and letter. I'm not satsified with their response. Nowhere in the response from them have i received copies of agreements bearing my signature that i agree to pay what they say i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: TX

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXXXXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED 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 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
i had a chime online checking 's banking and credit accounts and have been with them for about 2 years now and earlier this month i was informed by XXXX or the XXXX the company the either are owned by or work with that my information didn't match with my social and it turned out my last name was misspelled and i sent them a w9 or updated info through mail and then a few days later i called chime to make sure that the updated my info and was told new cards would be sent to me and now yesterday on the XXXX i was emailed that my accounts would be closing after reviewing my information without notice i had about {$1200.00} in those accounts all together and i just wasn't my money back the said the would mail me a check within 30 days which is wrong the should have let me transfer my money to another account or been able to withdrawal it. the haven't give me clarity on where my money is or anything that's my rent money and more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit ASAP.

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 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hawes Klein LLC
State: MD

Complaint narrative:
THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT

Company response to consumer: Untimely response