vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Some information was altered on my credit report and I need to dispute it XXXX XXXX XX/XX/1961 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My nephew unknowingly stole checks from my home. He wrote checks to himself made mobile deposits. My signature on check did not match whats on file. Was never notified of these transactions until after he almost stole XXXX. At that point account was empty. He tried to cash a XXXX check last with the amount section whited out and re written. I have no large bills to pay no mortgage or car note so I dont frequently check my account to see whats in it because I know. I am XXXX XXXX XXXX it was my savings. Wells Fargo which is the bank had me do a fraud report and a police report and has not returned my money to this day. Happened last year around XX/XX/2021 for the last transaction not sure when it started

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 2022-07-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received alerts that an American Express credit card was opened in my name on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
Ace check cash representative fraudulent took my cash that was fir my credit card payment. Never applying funds it credit card, for XXXX months XXXX credit cards. I was able to locate receipt and representative made copies and never phoned me back, or paid my creditor. Stealing my funds and destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am having a terrible experience with WISE also known as Transferwise stating that they would have sent over my transfers on XX/XX/XXXX. I have my XXXX bills to pay which are going to be cut off within XXXX hours and I tried telling them that they should find out what the XXXX is going on with this transfer. Why is my transfer taking so long than the normal times I would have got it? It XXXX me off!!!!!!! I need this to be resolved immediately!!!! because someone is going to be reported. I swear if I know who is behind all these scams!!! God knows what I would have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my text money was sent to citi bank account next thing I know they said my account would be going into closure and it would be from 30 to 60 days so after the 30 days I called and nothin happen then after the 60 days I called and they said on XX/XX/XXXX my account was closed and it will take XXXX to 60 days for my check to get here so I waited again may came and they went back to telling me my account is still in the process of being closed and they wont tell me anything else or give me any other information its literally XX/XX/XXXX and I was told at the beginning of the year 30 to 60 days

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 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
my name is XXXX XXXX. I used to have a checking account with wells Fargo Bank. I closed my account on XX/XX/2022. I forgot to inform to XXXX and XXXX about it. I did not change my credit card or bank information with them. on XXXXXXXX XXXXXXXX XXXXXXXX try to sent me a refund XXXX through XXXX to my account with wells fargo was closed. I try to explain to the customer service agent XXXX has that my account was closed but they said that they sent money back to the account on XXXX XXXX. I waited for the refund on XXXXl but they send refund to the account on XX/XX/2022. XXXX sent me many letters let me know even the account was closed the money was on the wells fargo account. I went to wells fargo on the branch XXXX md and XXXX XXXX MD. the customer representative was nice but tell me the money was not there. give me last statement balance. Such statement has many transacction declined because the close account situation. I found on the statement one transaction was not declined. the statement said POSTED that means the money was successfully accredited to the account. The office branch on the XXXX and XXXX XXXX has not managers. you only can talk with agents. It has been very difficult for me to dial with it. I have proof about the statement and I have proof for XXXX  too. if wells fargo account was closed and the money came they are supossed to return money to XXXX. They did not. I hope resolve this issue the best way possible if someone can help me with wells fargo because i am not wells fargo client anymone will be helpful, thanks

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm TransUnion, who has an open real estate company, and has financial services, that opened collections. Haven't received my 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 non-monetary relief
Consumer complaint received 2022-07-03 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I applied for and received an XXXX Credit Card backed by the First National Bank of Omaha. I received the card and when setting up my account online, I saw that someone had already fraudulently charged {$270.00} on the card. I contacted the credit card company three times and they refuse to take the charge off claiming I made the purchase. I didn't have the card or my account number when those charges were made so I couldn't have purchased anything. I have contacted the Dispute Specialists on three separate occasions ( XXXX, case # XXXX ), but they keep insisting I made those purchases which I did not.

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 2022-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX I submitted a dispute for several fraudulent transactions with chime. I had stopped using chime back in XXXX of 2022 because I believed they were scamming me because of the money that was being taken out of my account without my knowledge and i had also had my phone stolen at work with my chime card and ssi & ID in the back of my phone case. I told them I believed thats how i was scammed for all of those fraudulent transactions that I disputed and also that money from my job had still been posting in my chime account after i had stopped using it because i was unable to change my direct deposit information with my job because i couldnt access my chime account anymore so I didnt have access to my routing and account number but i still had my card connected to my apple pay which I eventually stopped using because i was getting paid but most time my card on apple pay was declined because i was still being scammed out my money. Ive tried ordering new cards several time before I completely stopped using chime however the same thing was happening with each card and chime couldnt figure out how to stop it. 
A few days ago i tried to create a new chime bank account because i had completely forgotten about my old scammed chime account but that app prompted me to sign into my old account Chime told me that they would do a complete investigation and let me know of the results. 
However, on Sunday XX/XX/XXXX at XXXX i got an email from chime stating Hello XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I emailed them back for the documentation on how they did the dispute and verified the information was inaccurate. I also asked how is it possible that a investigation for 20+ transactions had been completed in less than 1 day. 
I truly believe chime did not do any investigation at all and that they lied about my investigation/dispute They have been unable to provide me with the documents and dispute information. In fact, they said id have to wait 10+ business days to receive that information in mail because they arent going to email it to me I found this very unfortunate. 

Here are my reference numbers for my disputes XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX to switch the direct deposit of my benefits from XXXX XXXX XXXX XXXX to Revolut. XXXX gave me confirmation that my direct deposit information was updated and my XXXX benefit payments would be deposited in the Revolut account via XXXX XXXX Bank on XX/XX/XXXX. 

Come XX/XX/XXXX, I checked my Revolut account and did not see my XXXX deposits. I contacted support and they stated it was an issue with the sender. I called XXXX and they confirmed that the deposits were sent to the right account and they opened a trace on their end. I gave Revolut this information via the chat feature. I asked repeatedly to be transferred to the department who was investigating this matter, since customer service could not even see anything. I was stonewalled and stated I could not speak to that department and never could, which was a lie since I spoke with XXXX in the Transfer department just the previous week on a different matter with a missing transfer. 

Everytime I ask for updates, I just get blanketed copy and paste statements which provide no actual updates on where my missing {$3300.00} deposit is. I can not pay my rent, buy medication, buy food for my kids, or anything. Never once since I have been receiving benefit payments since 2008, has this ever happened when I have used a real bank. 

To not have any answers and to be told that me asking if the supposed department that is " investigating my case '' is even working over the weekend is an internal matter that can not be told to me, is beyond ridiculous and shady. 

My {$3300.00} is lost and Revolut is being really shady as far as providing actual updates as to what is being done to find and deposit my money. I am facing eviction for non-payment because I am not receiving any answers from Revolut.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: PA

Complaint narrative:
These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, XXXX EQUIFAX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
TO WHOM IT MAY CONCERN : I have recently made an application for XXXX credit in which the application was summarily declined. However, in writing to each credit reporting agency to obtain a copy of the credit report, they used in reporting to XXXX at that time. 

I understand I am within my rights to collect the same information they sent to the firm when the credit profile was requested. It reports on me ; the information is personal and directly appointed to me. 

Trans Union is failing to report the information I requested, as they have somehow manipulated the report in a way they wish to charge me for my credit score. However, my accounting is not complete without this information, and according to the FCRA, I am entitled to a full copy of the information they reported. They think it is acceptable to charge me {$9.00} for the report that would include the credit score they had when they said on my file. 

The FCRA entitles me to receive the completed report at no cost to myself. Without my data, they would not have been able to supply the information to XXXX, and now I want this copy, including the credit score to which I am entitled. 

If this FCRA has been eroded and I am no longer entitled to receive this, I am asking your agency to step in and enforce this law with Trans-Union on my behalf to have them supply me the complete report that includes the credit score. 

Thank You in advance 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 explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Everthing has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate as well. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602a, ( 4 ). States I have a right to privacy. 15 USC1681 section 604a section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. Also the Credit bureaus look more than 30 days to complete my investigation

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 2022-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: MD

Complaint narrative:
I purchased a vehicle that was per-ordered approximately 9 months ago from XXXX XXXX. When you pre-order you select the model you want and you agree on a price. Everything is streamed-line and done electronically and saved in your account. I signed and took delivery of car on signed for the agreed priced. Somewhere after the delivery on XXXX XXXX 2022. I noticed the issue upon setting up payment and the before the first month of the initial payment that the price of the vehicle changed after signing. 

The Bank : is US Bank. 

The car company is XXXX. 

In my investigation I found out that the price of the vehicle was increased on all vehicle across the board for all customer after I made my order and agreed upon the price, which was disclosed to me that would not affect me. I sign for the locked in price also whick was {$59000.00}. I brought this issue up with US bank then to XXXX, XXXX employees acknowledge the issue as there walk-in facility, but the issue has not been resolved. I went back to the bank and the bank refuses to correct the issue and continue to charge the higher price which is {$67000.00}.

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 2022-07-03 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: PA

Complaint narrative:
These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX, TRANSNION XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT

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 2022-07-03 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: PA

Complaint narrative:
These are fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave EXPERIAN, XXXX XXXX any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT

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 2022-07-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 purpose

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 2022-07-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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

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 2022-07-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 purpose

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Requested that a signed document with my hand written signature to be sent to my mailing address to verify my account however the signed document was never sent

Company response to consumer: Closed with explanation