vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: OH

Complaint narrative:
XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Dates are vague as i dont know the exact dates, but Capital One has each call on file. 

Back in XXXX, I began efforts to repair my credit and pay off debts that I owe to Capital One [ CO ] and other companies. At the time, I had XXXX cards with CO both of which i paid off. Both had been past due for months and charged off. XXXX of them closed and disappeared. 

The other, last XXXX XXXX, never closed but to this day remains " Restricted ''. I called CO earlier this year ( XXXX ) around XXXX i think, maybe XXXX, asking what Restricted meant and what i could do about it. 
They gave me vague information and didnt really explain it very well. But made it very clear that they couldnt do anything on their end and neither could i. 

I asked them to simply remove it from showing up on my app ( i have a secured card with them at this time that I use regularly ), but they couldnt even do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
1. XX/XX/XXXX - I sent {$200.00} to XXXX XXXX XXXX in the XXXX via Western Union with MTCN # XXXX and they confirmed transfer via email at XXXX 2. XX/XX/XXXX ( XXXX ) - another email was sent that the delivery method for the transfer was updated which will not be sent to receiver 's bank account instead of picking it up. 

THIS IS WHEN IT ALL STARTS. 

3. XX/XX/XXXX ( around XXXX via mobile phone call ) - This was my first call to check up on the transfer because he was never able to pick it up. They mentioned the following phrases/words/sentences that I just wrote down : - on XX/XX/XXXX, the bank that was supposed to receive the money rejected it - Western Union has to request for a manual rejection from bank where money was supposed to be sent so it will go back to Western Union - " under investigation '' - they created a case/complaint # XXXX 4. XX/XX/XXXX ( around XXXX ) - I called back again and talked to someone named XXXX under their " Concern Department '' and she said that this concerns the " digital payments team?!?!? '' and that they will request for the manual process on the bank that was supposed to receive the money to REJECT the money AND that it will take " XXXX days for the money to be returned back to my bank account '' after I receive an email acknowledging the process. I never received an email! 

5. XX/XX/XXXX ( around XXXX ) - talked to someone named " XXXX XXXX and he said that it is already " UNDER INVESTIGATION ''?!?!?!? and that the " RELEVANT TEAM '' is on it! and I will get an update within XXXX business days and that I can call back if I don't hear anything ( THEY SAY THIS ON EVERY CALL AND I NEVER GET AN UPDATE!!! ) 6. XX/XX/XXXX ( around XXXX ) - i talked to someone named " XXXX ''?? and these were the things/words/phrases he mentioned ( i can't really understand with the heavy accents ) : - " back office team '' - " a different department handles this '' - " working offline '' but that he said he escalated it and i will get an update within XXXX hours and of course I NEVER DID 7. XX/XX/XXXX ( around XXXX ) - they just keep telling me the same thing over and over again, which is what is on their script I assume. So I told them if I don't get my money back, I am calling the Consumer 's Protection Agency. And here I am because even though they sent and email ( on XX/XX/XXXX AT XXXX ) acknowledging this transaction and even said, " we are DELIGHTED to assist you ... and that their bank processor has confirmed that the transaction has failed and they they will proceed with the refund, I never got the refund at all ... that was XXXX BANKING DAYS AGO... 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Equifax XXXX # XXXX, Equifax XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: GA

Complaint narrative:
I hired photographer to take some professional pictures for my business. We had a consultation meeting to discuss my expectations. She suggested I use a fabric back drop wi to my brand color. She even created a mood board with the image poses I supplied and my brand guidelines she requested. I used Klarna to make my payment. Day of shoot, the photographer said she couldnt the main pose I asked for and she didnt use my brand colors. I was not happy and ask for a refund. She refused. I dont have any pictures from the shoot and Klarna refuses to cancel the payment citing that they paid the business already. I did not receive what was agreed on and Klarna refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
opened XXXX XXXXXXXX with Berkshire Bank XXXX XXXX, in XXXX XXXX stated I wanted e statements, They are sending me paper statements through the mail, Well they are being returned to the Bank because The post office wont forward Bank mail .I am in Florida, as a result the statements are being returned to the banks each month, and I am being charged XXXX each month.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX, my credit card got stolen and there was a charge of XXXX. I put my card on pause as soon as possible and as it was the weekend, I waited until the next weekday ( XX/XX/XXXX ) to call the fraud team. They saw a secondary charge of XXXX dollars at a bar somewhere else that I'm not even old enough to enter and got denied ( because it was on pause ). They said they would look into it and then denied it after 3 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Trying to get Marcus to get a simple Wire Transfer has taken 2 days and it still hasnt been done. Their agents habitually lie, put you on hold forever and make up excuses that dont even make sense. 

I asked for XXXX wire transfers and it is the end of the day on XXXX they still have not been done. Not only that they can't even tell me what is the status of those wire transfers. On top of that, they can't even find the record of the XXXX wire transfer request This is my XXXX call of the day to these lying degenerates and they have put me on an hour long hold and still can't provide me the status of those transfers. And it is the same story every time you try to withdraw your money from Marcus. They will lie and do everything possible to make it really hard for you to withdraw your money. I have asked them do whatever verification they need to do but they will lie saying that they dont need any more verification and then when you ask to withdraw any money, they will come up with all sort of made up reasons and delay your transfers for days. 

Their verification department is so incompetent that they can't even figure out the right bank to call for verification. Just today they called up some random bank and got me on a XXXX way conference call to verify my details when I had nothing to do with that bank. 

Going by past experience, the worst part is that the person who will respond to this complaint will be a similarly trained in lying to CFPB and will make up some non sense response that won't even address the issues at hand. What else can you expect from the XXXX  bank on earth. 

Their first line of agents are so incompetent, I have just spent an hour and a half with an agent who has no clue how a wire transfer is even done.

Company response to consumer: Closed with monetary relief