vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX, Transunion, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX  XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened a 0 % balance transfer CITI card to pay on a line of credit at our bank, XXXX in Washington, PA on XXXX. The amount to be transferred, {$11000.00} was Never received at XXXX. I have talked to, XXXX people at CITI XXXX each XXXX, me having to start from day XXXX explaining the problem. I was given a TRACE ID # which I took to my bank, XXXX, & nothing was found. I made the mistake of not putting the full account # in when applying for the transfer money, but, did supply them with my bank name. Several CITI reps took my bank phone # & even the name of the banks manager to talk with her, after I gave permission to do so, & no one has ever made a call. Im told with each phone call to CITI, Its under investigation, call back in XXXX days!! I have made XXXX, healthy payments on this money that I do not have! Now, I read at CITI the XXXX will jump from XXXX XXXX % if the transfer isnt completed within 4 months from opening. Im at my wits end trying to find this money & CITI isnt doing a thing. THANKS! 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 monetary relief
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I received a message saying there had been a suspicious transaction in the amount of XXXX. I did not make that purchase, so I logged in to see if there was anything else I did not notice. I saw multiple charges from other countries that I did not make. I told PayPal this, they investigated for about 6 hours and then told me they were valid. I am out almost XXXX XXXX dollars on fraudulent charges and they have a fiduciary responsibility to reimburse me. I will attach the charges and case number via document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2023, at XXXX ET, I accessed my " Clearly Better Business Checking '' account online at XXXX XXXX XXXX When Exporting transactions, the exported file contains records that are outside the filter criteria set. In addition, in the account overview, transactions, view, the " Contact Us '' link at the bottom of the page fails to open the contact us page. 

In general, it appears that Citizens Bank recently reprogrammed their online account interface. The presence of such obvious defects indicates that no testing was done, and that the implementation is dangerously incompetent at a level totally inappropriate for banking. 

I attempted to call Citizens Bank at XXXX and an automated system reported that no one was available. It also reported that they are experiencing an abnormally high call volume. This is a lie as I have never called and not been told there is an abnormally high call volume. They have made a practice of deceiving customers into believing their normal failure to answer the phone is something other than routine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX gave a credit card with 0 interest for 2-3 years. Tried to set up through Wells Fargo a reoccurring monthly payment but couldnt through online website and couldnt through several phone calls to Wells Fargo eventually was somehow I feel tricked into making the payment in full regardless of the many times I spoke with customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was contacting companies to refinance some Merchant Cash Advances and relied two offers. This guy contacted me and was going to fund me with repayment terms however her told {$5700.00} from my account claiming that it was his FEE and then refused to respond. 

He went by the Name XXXX XXXX in email with a phone number of XXXX. He also had me call these numbers for verification XXXX and XXXX. I recorded phone calls and to the best of my knowledge it is the same person. I called him back and argued about him not following up on the deal nad he pretty much laughed at me and assured me that it would be handled and that I jsut needed to put more funds in my account. 

I ended the call by asking his company name again, to which he Said XXXX XXXX and then I said and you are XXXX XXXX correct, to which he responded the one and only.. However I am aware he was going by XXXX XXXX in emails. 

He took my money and is not returning it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TX

Complaint narrative:
Experian and XXXX are reporting an account that I paid off 100 percent as a charged off account! This is a MAJOR violation, and this is not legal whatsoever. I have tried numerous times to remedy this problem and you have come back and stated that this account was verified. How was this account verified when the data furnished from all 3 bureaus are incorrect and inconsistent with one another? If this account is not removed from my credit report, I will be filing a statement of claim against Experian and XXXX if this account is not removed from my credit report immediately. I am demanding that the following account be removed from my credit report : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including Transunion and XXXX in this, these need to be removed as well from my credit file thanks for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and Equifax in this, these need to be removed as well from my credit file thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint against Chase due to their mishandling of a dispute regarding a charge from XXXX, a booking company. My booking was cancelled due to a legitimate emergency, and the company provided contradictory information about their refund policy. After a series of communication failures and inconsistencies from XXXX, I initiated a dispute with Chase in hopes of getting a refund. 

Despite my detailed explanation of the situation and the supporting evidence provided, Chase closed my dispute without a thorough investigation of my claim. Chase credited my account initially when the merchant failed to respond within 60 days but later rebilled me the same amount. This action was taken without any prior communication or explanation to me. 

When I discovered this rebilling and sought an explanation, Chase responded by saying that the charge was valid and they can not dispute it further. Their reason was that I had agreed to the merchants policy that does not allow refunds or credits. I find this response unsatisfactory, considering the contradictory and misleading information provided by Redawning about their refund policy. This led me to believe that a refund would be possible under my circumstances. 

Additionally, Chase has not allowed me to reopen the dispute, despite the merchant 's continuous inconsistent responses and failure to provide any documented evidence supporting their decision. I believe this action by Chase fails to protect my rights as a consumer and falls short of the expected standards for handling such disputes. 

I request that this issue be investigated thoroughly. I am seeking an exhaustive review of my dispute with the merchant and a justified resolution from Chase. This incident has caused significant financial loss and emotional stress, and I believe it is crucial that Chase address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to the U.S. 1681c-2 this is my statement that all of of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet. 

However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I had a negotiable instrument sent to the Westlake financial payment sept to pay off the loan of my car. I requested that we over pay that way any hidden taxes or fees are paid for. The XXXX XXXX department that handles the payments for Westlake Financial denied my negotiable instrument and kept the property without sending it back, they only sent me copies and not the original that was sent. I will attach what Ive sent including the tender instructions, negotiable instrument, and the affidavit I sent. I also attached XXXX of XXXX letters they sent in a week span stating my balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have a attempted arbitration in the matter of LVNV AND XXXX XXXX. In which they have defaulted in the administrative process. No response or delay in not paying fees regarding administrative process hinder resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good morning, After major struggles with my XXXX Chase credit card, and with the other company involved on this matter ( XXXX XXXX XXXX XXXX XXXX ), I've decided to seek help from the Consumer Financial Protection Bureau. I've spent endless hours filing complaints back and forward with both of them. I find it shocking that my XXXX Chase credit card did not really care too much to help XXXX of their clients, after receiving a simple " no '' thru XXXX letters in different letters sent to me in their final decision. In fact, the credit card company asked not to contact again on this matter. 

I provided an extensive amount of evidence on this. I have enough evidence to prove this companys scamming costumers, but Chase Credit Card must have some sort of special relation with XXXX XXXX XXXX XXXX XXXX  ( the other company involved ). And trying to contact XXXX XXXX aXXXX XXXX XXXXl ( the company involved ) was a real waste of time. XXXX XXXX XXXX XXXXXXXX XXXX attempted fraud and scam, the second I showed up with my family on their facilities to rent a car. 

I will simplify with a quick timelime of events. 


XXXX I arrived with my family at XXXX Car and Truck Rental, a requested deposit of {$150.00} was placed in my XXXX Chase XXXX. They tried to charge twice, because I showed up XXXX minutes before car reservation, that didn't happened. 
XXXX On departure, a receipt was denied, and promised via email. Never got the receipt. ( after multiples attempts to reach the company. ) Never got the deposit. ( opened a major dispute with Chase ) Start going back and forward with XXXX Chase on this. The credit card deposit was {$150.00} and it just disappeared like magic, with no receipt. No receipt what so ever still.. 

XXXX Called Chase, regarding a letter they sent me, stating the alleged disputed transaction was valid. 
XXXX. Chase got the receipt from the company. 
XXXX. Chase claimed they sent me receipt the XX/XX/XXXX. 
XXXX. I never got the receipt. 
XXXX. Chase re-sends receipt to me. 

XXXX XXXX the receipt from Chase FINALLY with a breakdown. 
XXXX After thorough review now I can see why there was never a receipt disclosing details. 
And here are the reasons : XXXX. Half of the charges were already charged on original purchase via XXXX XXXX. The other half : tolls services, these tolls services were NEVER requested when submitted deposit at arrival. Unwanted toll services and inaccuracy on CAR mileage. 

I took photos of the mileage, and everything else that was wrong. I finally got another receipt from XXXX back in XX/XX/XXXX. This took place back in XX/XX/XXXX and I finally got a receipt XX/XX/XXXX, there ws prob. no receipt, ever, when Chase got involved the made a who knows what with wrong figures all over the place. My deposit was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file To all 3 credit bureaus. As i was a victim of identity theft. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA as well. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded 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 an account without my written instructions

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