vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 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: OR

Complaint narrative:
I had a {$65.00} charge go to collections in XX/XX/XXXX and I paid it off in XX/XX/XXXX. While working with my financial coach, we realized that TransUnion was still showing this collections account as open in XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the issue and the collections account was removed from their reporting the same day. However, when I went to rerun my credit score and report, my coach saw that my score did not change as a result of the account removal, and saw that code XXXX : serious delinquency and code XXXX : time since delinquency too recent were both still showing as reasons for my lower credit score. 

I called TransUnion on XX/XX/XXXX to ask why the codes were still appearing even though there were no longer any delinquencies on my report. They told me that it was a XXXX issue and I would need to contact them. When I called XXXX, they told me that they only report on what is being included in the TransUnion report and that I needed to talk to TransUnion about why it was showing up. I then called TransUnion again, but was again told that I needed to contact XXXX. 

I decided to try waiting a few weeks to see if it needed more time to adjust, but when meeting with my financial coach again on XX/XX/XXXX, the same error codes were appearing and my credit score was the same as the previous score. I have not received any resolution and my score has been significantly impacted for years because of this issue.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several years ago we placed credit report freezes with the XXXX major credit reporting companies. 
I needed to unlock the reports XX/XX/2022 to help my son XXXX XXXX purchase a home, and his potential mortgage company wanted a co-signer, which I was willing to be. I had no trouble unlocking my XXXX and XXXX reports, but for some reason, the PIN that was given to me by Experian didn't work. Experian 's consumer-facing system does not allow you to be transferred to any live person. All of their published numbers go back to the same basic telephone loop, so you can't speak to anyone-no supervisors, no reps, no one. The pre-programmed loop says, " I can only transfer you in limited circumstances, '' which of course means they won't transfer you to anyone. 
I think considering the power that a company like Experian wields over consumer credit purchases, I feel they should be required to staff their phone lines with real people who can clear up a minor problem. Their only solution offered for a non-working PIN was to write to them in XXXX, XXXX enclosing ID, which I did. In the year XXXX, I think the CFPB should require that these companies have both a telephone contact list with real people, and an email address to clear up minor problems. I certainly could have verified any security questions they may have asked me by telephone. I feel that while credit file security is important, locking out consumers from directly contacting a company 's employees, except by mail, is an unfair trade practice. The information in our credit files provides their profits, and I feel consumers are at least entitled to have a conversation or an email exchange to clear up a minor problem in their system.

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 2022-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I was reported for a XXXX  debt that I had no knowledge of. I have had no written paperwork around it just calls non stop. I have asked for it and have not gotten anything. At this point I dont even know if the medical debt is valid or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TN

Complaint narrative:
Im writing in regards to XXXX, XXXX, and TRANSUNION Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.

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 2022-03-02 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: TN

Complaint narrative:
Im writing in regards to EXPERIAN, XXXX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.

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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The incident happened XX/XX/2022. I was trying to transfer money to a friend who have Wells Fargo account. My personal bank is with key bank, for that reason I took cash to Wells Fargo. The clerk took {$2500.00} cash then put it his drawer. Then he told me he can not transfer cash. It has to be check. So I gave him another {$2500.00} on check. He told me since he already put the cash in the drawer he will deposit it in my person account. I agreed then asked a receipt for both the check I gave him and the cash he said he will deposit back to my account. The clerk and manager gave me two receipt, but both of them were for the check. I checked my bank account after XXXX and the money hasnt deposited. I went back to the bank on XXXX 2022. The clerk and manger agreed that I gave them the cash. Then they told me to come back on Monday the XXXX hoping they will give me the money back. Unfortunately, the clerk first denied for even taking a cash from me. But then both the clerk and manager said yes u gave us cash but we gave you back after an hour of conversation. They have been changing their word so many time which I decide to record on my phone. I have that for evidence and the two identical receipt they gave me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NY

Complaint narrative:
I initially requested a refund with merchant CPA several times upon being deceived by them and given a predatory deal/contract. However, they refused to refund my money back to me, which was a refundable and a retainer for the amount of {$25000.00}. 

{$5000.00} of that {$25000.00} was charged on my card and the remaining balance of {$20000.00} was sent out via a cashier 's check to the merchant from me. After numerous failed attempts with the merchant I disputed the charge of {$5000.00} on my credit card to Chase Cardmember Services on 3 occasions between XXXX, XXXX XXXX, 2021 for that portion of my balance ( {$5000.00} ) that was made out to the merchant on my Chase credit card. I also filed a complaint with several other bureaus and news stations that are investigating this matter as well. 

Unfortunately, Chase ruled twice in the favor of the merchant although I supplied the contract showing that the {$25000.00} was a retainer fee that was supposed to be refunded back to me. The merchant supplied a receipt stating that there were no refunds after 3 days but that does not cover the retainer. The retainer is outlined on the contract as a refundable fee that is supposed to be paid back to me. Chase also went as far to inform me after the 2nd dispute that they would also be sending a notice to the credit bureaus to state that this charge was valid. They did not protect me as their client even with substantial proof of the contract outlining the refundable amount of {$25000.00} of the retainer. Instead, they stated that while I may have a valid complaint against the merchant, that the charge was valid. I was never disputing that I placed the charge to begin with. I was only requesting a chargeback/refund through Chase as the merchant refused to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-03-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Experian to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) 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. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX  closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is violating the united states codes and should delete these items off of my consumer report or face legal action.

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 2022-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I paid a total amount of {$91.00} on XX/XX/XXXX at XXXX pm and another repayment of {$14.00} on XX/XX/XXXX at about XXXX pm For a total payment of XXXX. They still tried to withdraw another {$14.00} the next morning on XX/XX/XXXX. I spoke with three employees who each said I should be issued a refund due to the fact the amount was paid before the due date of XX/XX/2022. I never received any such refund. My current remaining balance should've been about {$91.00}, instead, I'm showing a remaining balance of XXXX. I will not pay another payment until this gets taken care of! I will file complaints through every government agency if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have a credit card through Barclay Bank that I do not use often. I received an email in regard to my minimum payment being {$400.00} which is when I realized my card was used unauthorized by someone else. There were many transactions starting XX/XX/2021 and after that I was not present for, and did not authorize. I reported this to the bank in which they initially reversed the charges. The first rep I spoke with I explained the situation, and also requested a new card. They closed the investigation due to lack of proof or information. I called back after re-explaining what I had told the first rep, and offered to file a police report and write a letter in which she said I did not need to and they would re-open. I still to this day have not received my new card since requested in XXXX XXXX XXXX, nor have I received a letter about the investigation. The charges are still on my card, with no explanation on the investigation. I will not pay for unauthorized charges on my credit card, where I was not present. Please let me know how I can resolve this with the company.

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 2022-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I have written a check for over {$51000.00} in order to close both of my accounts at Citibank # XXXX and # XXXX. Subsequently I have received a call from Citibank confirming validity of the transaction and during which I indicated both my checking and savings accounts closed upon the checking being cleared. I was confirmed that that will be done. On XX/XX/XXXX I have received a notice by email indicated that the account wasn't closed as per my wish and the account is now overdrawn ( I presume this was done by the account fees which incurred after my request ). 
Subsequently I called the number XXXX and after getting through Citibank 's automated system that informed me that the long will be wait to get a CSR online. However at about XXXX into a call the CSR appeared and after confirming my account numbers I was without warning put on another hold. At exactly XXXX the call was disconnected. 
It appears that the Citibank is not only not listening to the customers wishes in regards of their money but it also prevents them from closing and inquiring the accounts by playing tactics such as this. I expect my accounts closed as per my XX/XX/XXXX request and take care of all the fees as they were imposed unilaterally by the Citibank contrary to my wishes. I think it is reprehensible that the bank treats customers this way further reinforcing my decision as right one.

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 2022-03-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) 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. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.

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 2022-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
After numerous attempts over a period of a year, I am not able to receive the following from my current and former Student Loan servicers : Total accounting of my student loan accounts, including payments and tax return offsets. These items should have exact dates! 

PHEAA / AES XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX XXXX My loans balances were inflated after defaulting in 2008. I consolidated with PHEAA. I have yet to see a complete accounting breakdown of transactions with dates. I have not received my consolidation paperwork. 

PHEAA never actually consolidated my loans. All 3 loans are still showing as single loans. Even though they were supposed to be paid off with the tax return offset. The balances were inflated before the sale. The loans have since been resold multiple times to servicers and collection agencies that are either no longer in business, no longer legally permitted to service Federal Student Loans or Bankrupt. 

Every single company and government agency has " passed the buck '', claiming that another is responsible for providing the requested documents. Even reaching out to and submitting a formal complaint to the US Department of Education 's Office of Investigations has yielded a 180 to being told to reach out to the servicer! 

Meanwhile my tax returns have been taken for over the amount owed but I still have a rising balance despite there being a National freeze on all Federal Student Loans! 

Please assist. This is ruining my life. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief