vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX I placed a call XXXX XXXX associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the XXXX XXXX contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX XXXX XXXX XXXX XXXX XXXX none of this was on my credit report for years why not even the Citibank card was not on my credit report cuz it was forgiven

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 2022-03-29 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: MS

Complaint narrative:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  / XXXX / {XXXX} XXXX XXXX Bankruptcy / 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 2022-03-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} TransUnion {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or TranUnion written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

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 2022-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, EQUIFAX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

Experian {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave EXPERIAN, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

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 2022-03-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX 3 fraudulent charges appeared on my Wells Fargo Business checking the XXXX XXXX in XXXX, NY ( totalling {XXXX} ). I noticed the charges on XX/XX/XXXX and immediately cancelled my card and reported the charges. Wells Fargo opened a fraud claim and ordered me a new card. A week or two later I was informed that my claim was denied because they believed I authorized the charges. I informed them that was not at all possible. I was in XXXX FL at the time working, and had my debit card with me. They told me the charge was made via XXXXXXXX XXXX  which I do not have nor have ever had. I asked to speak to a manager. I explained the situation to the manager/supervisor agreed it seemed like it was fraudulent and re-opened my claim. They asked for 10 business days to make a decision. I contacted them after probably 15-20 business days ( after receiving no correspondence ), and again was informed that my fraud claim was denied. About a week later I reached out to my local branch manager informing him I was considering closing my account because I no longer felt protected by Wells Fargo. He said he would file a complaint on my behalf. A few weeks ago I received a letter that my claim was still denied, and that the decision was final.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am not working with or have I been influenced by any 3rd party or credit repair entity. I have attached my full complaint for review.

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 2022-03-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

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 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
A XXXX lady called XXXX XXXX with phone number XXXX and a man called XXXX with phone number XXXX were teaching me how to trade on a cryptocurrency platform called XXXX with phone number XXXX. 
I traveled to XXXX on XX/XX/XXXX where I lost my phone which had the chase bank and XXXX app on it. 5 unauthorized transactions were done within a week from XX/XX/XXXX to XXXX from my chase checking account to my XXXX cryptocurrency account which turned out to be a scam account. 
I contacted XXXX  XXXX  XXXX  XXXX customer service and asked them to return my money, they said that they are just a cryptocurrency exchange platform and the money has been transferred to XXXX. XXXX customer service refused to release my money and said that I have to pay taxes with the amount of {$53000.00} in order to release my money and threatened me that they will expose my photo at my workplace and make me pay a fine of 5 % for every day that I dont pay my taxes to them. 
I have filed a police report with XXXX Police department with XXXX XXXX, report # XXXX dated XX/XX/2022. He said he will also reach out to the FBI as the amount of funds lost is more than {$50.00} XXXX. 
The total amount of funds sent from my chase checking account ( including {$38000.00} advanced cash payment from XXXX credit cards ) to XXXX through XXXX XXXX XXXX XXXX is {$66000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. 

1. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} 3. XXXX XXXX XXXX XX/XX/XXXX {$0.00} 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I was interested in buying a horse. I searched XXXX for horses for sale near me. XXXX XXXX showed up on my search. I contacted the site using a contact us on the website. A gentleman named XXXX XXXX emailed me back and was very convincing on buying and shipping me the horse I was interested in. After several emails back and fourth he convinced me to wire transfer XXXX  USD to an address TDBank in XXXX XXXX  Texas and to his accountant named XXXX XXXX. After the wire transfer I received a call from a friend in Arizona who said he had seen the same horse I was interested in on another site in AZ. I then checked XXXX and found this same guy had scammed thousands of dollars from innocent people like myself. I then emailed the scammer back and asked for a refund. Never heard from him again. I searched the fake website to XXXX and found the scammers address to be in XXXX. Please help to recover my money! Just so you know I filed a police report and also contacted my bank fraud department and filed with the FTC and FBI ic3 complaint. I have tried everything to try and get my money back to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Climb Credit Inc.
State: OH

Complaint narrative:
Was approved for a loan on : XX/XX/XXXX Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from XXXX that my credit was pulled from Climb Credit which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
For my XX/XX/2022 payment, I paid the previous due amount of {$1800.00} by XX/XX/XXXX. However, my bill amount had increased due to a change in ESCROW and the amount due was {$1900.00}. The company " held in suspence '' the money I sent in, then waited until the XXXX ( confirmed by their customer service ) to generate a letter to notify me of the issue, which was then mailed. They did not attempt to email me which is my preferred method on contact. I believe this was in an attempt to push me past the XXXX so that they could 1 ) charge me a late fee ( waived because I called ) and 2 ) increase the daily balance of my loan, therefore increase their interest collected. Fortunately for me, I believe I did receive the letter in time to bring the account current before any damage may be done to my credit report. However, given the intentional slow nature of their notifications. I believe there was intent to push my account late and possibly past due 30 days. This apparently happens regularly per my conversation with their customer support agent. They are also using the customers partial payments to earn interest and charging customers additional interest on payments made but not applied to their loans.

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 2022-03-29 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2022 was given checks for doing work for a side job. Checks were found to be fraud and fake My account. Was closed at chase as a result. Tried to open XXXX  XXXX XXXX account on line I opened and deposited XXXX then received letter they closed account Letter states I may not be able to get a bank account in five years I can not locate the person who gave me the checks I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2022-03-29 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: FL

Complaint narrative:
I have noticed this incorrect and unauthorized item appeared in my report. I have already files the proper documentation for this and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

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 2022-03-29 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2022, I received a " Chase Fraud '' text message alerting me that the bank had declined a {$2000.00} charge and they asked if I had made the purchase. If I responded " no, '' the text explained, they would close the current card and send me a new one. I called Chase and let them know I had not made the purchase at *A-American, along with additional charged in the amounts of {$10.00}, {$400.00}, {$2400.00} and {$8900.00}. The rep assured me not to worry ; they were " closing '' that card number, issuing us new ones and investigating the matter. Then, on XX/XX/2022 the next communication I received from Chase was a letter informing me that I was being held responsible for the $! 0 and {$2400.00} charges as I had " received benefit from the transaction. '' When I called the next day, I was told that their " investigation '' determined that we had made a purchase, as they had an invoice with " matching information. '' This information was my husband 's name, my email address, my cell phone number and our home address. 
I asked for the contact information for the business in question and was provided with an address and a phone number. The address turned out to belong to our local electric utility, not a private business, and when I called the phone number it only gave a recording with instructions about how to report an outage. 
Follow up phone calls to Chase provided different information. I was given a new address and phone number, both belonging to the real XXXX XXXX, which is a company not in our area. When I called them and spoke with their billing department, I was told they had no record of my husband, me or any of our contact information. They also did not have any record of any transactions for the amounts Chase was quoting. 
I filed a police report with the XXXX XXXX Police Department and the detective who was assigned the case had already called the company before I had ; he got the same response as me. 
I have filed an appeal with Chase and requested copies of the " invoice '' upon which they are basing their investigation ; they will not, however, tell me how they acquired this invoice as both of the phone numbers and addresses are not valid. 
Today, I received a follow up letter from Chase informing me that their " latest review conforms the previous finding that the transaction is valid. '' " The transaction will remain as part of your account balance. You're responsible for paying the amounts on your account. '' We did not receive ANYTHING from the fraudster who is using various addresses and phone numbers as fronts for theft. Someone is stealing {$2500.00} from me and Chase is complicit in this.

Company response to consumer: Closed with monetary relief