vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX  XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX  XXXX. I was then told by the vet that my dog had a XXXX  XXXX on a walk with XXXX on Thursday and that the XXXX  XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX  XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX  XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had a membership with XXXX XXXX with my ex-wife in XXXX. I cancelled this account IN PERSON in XXXX of XXXX to the location at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I continued to be billed $ XXXX x XXXX accounts for a total of $ XXXX for 4 years. 

Twice during that time, including today I have spoken with Chase Bank about this issue. Today, Chase initiated a refund and credit along with an investigation to see why the payments were allowed to continue. 

I did not pay close enough attention to my account, I suppose, but in the end, I not only followed the procedure outlined on XXXX XXXX XXXX website, but I also sent in a letter in XXXX of XXXX and followed up with a phone call to confirm receipt. 

I feel as if I am do my {$20.00} per month back from either XXXX at the time of the initial in person cancellation OR from the date of the letter in XX/XX/XXXX. 

This issue with XXXX XXXX is not isolated to me, it is a common issue and complaint with them. As a matter of fact, when I spoke with the representative at Chase this morning he shared a similar story experience that his mother had with them and they were demanding that she come in to a location in person to cancel and she had moved out of state to a place where there were no XXXX XXXX locations. 

XXXX XXXX continues to withdraw $ XXXX ( x 2 ) from my account each month and once a year they debit {$19.00}. 

This needs to stop, not just for me, but for others as well. You will find thousands of victims, I'm sure. 

When I contacted them today, they do not even have my membership still in their system YET, they continue to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: MA

Complaint narrative:
I was a victim of Identity theft and please remove the inquiries

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 2023-08-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a Wells Fargo XXXX XXXX XXXX XXXX online on XX/XX/XXXX. didnt receive the card but I did receive a message from the bank regarding cards activity on XX/XX/XXXX. The purchases were made on XX/XX/XXXX but I received the message from the bank on XX/XX/XXXX. I called the bank on XX/XX/XXXX to verify a fraud and to block the card. On XX/XX/XXXX all transactions had PENDING STATUS so when I called, bank was able to decline all pending transactions but the claim was created instead. The bank representative allowed those pending transactions be processed after the cardholder called and verified it was fraud! Instead of blocking those transactions while it was possible, bank representative created a claim and all of the fraud transactions were transferred to my replacement card in amount of {$960.00} from XXXX and {$110.00} from XXXX. Bank representative told me my claim was declined because bank system shows the card was activated on XX/XX/XXXX from my cell phone. I didnt called to the bank on XX/XX/XXXX and I provided my call phone printed activity from XX/XX/XXXX to XX/XX/XXXX to the bank proving I never called to the bank on XX/XX/XXXX. Bank ignored my evidence and still requesting me to pay for fraud transactions. I also filled out police report and provided it to the bank as well but bank ignored it as well! By ignoring all of the evidence from customer side as well as the ignoring of the police investigation process show that Wells Fargo bank ignores Civil Rights of its customers and it also helping frauds.

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 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violations.

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 2023-08-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.

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 2023-08-10 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and 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 2023-08-10 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
-- -- -- -- -- Original Message -- -- -- -- -- Hello, In XXXX the CFPB sued XXXX regarding the private loans issued under them and $ XXXX has been forgiven or discharged as it was created under fraudulent circumstances. I have received forgiveness for my federal loans, but have been diligently paying my private loans waiting for the news. As of that judgement in XXXX and a XX/XX/XXXX settlement of an additional $ XXXX in private debt, these loans should not be collected on any further. 

The XXXX opened these loans under false promises and threats, they committed fraud against the students, and by continuing to collect on these loans, Navient has opened themselves to liability in connection with said fraud. 

Please discharge these loans or provide me with information on how to do so. I have paid an additional 3 years after the judgments that should have erased the debt. Contact me.

_____________________________________ Response ________________________________________________________ XXXX, I understand your concerns regarding your Navient private loans and hope you find the following information helpful. 
At this time, only federal student loans disbursed to Corinthian colleges and XXXX XXXX schools have been approved for discharged under Borrower Defense to Repayment discharge claims. Unfortunately, private student loans disbursed to these school have not been granted discharge. For assistance with your available private loan options, please contact our Private loan specialist directly at the telephone number of XXXX. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Received a Wells Fargo statement for an account I never opened. Received by mail on XX/XX/2023. Statement shows beginning balance on XX/XX/2023 for {$190.00}. Ending balance on XX/XX/2023 of {$180.00} after a {$10.00} fee was charged for balance below {$500.00}, per Wells Fargo checking policy. Account has been flagged for fraud per my request. I think I may be a victim of synthetic identity fraud, as some of the information listed on the account did not match my personal information.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXXXXXX  - The riot, protest, whatever occurred in DC. - I was not there. 
XX/XX/XXXXXXXX  - The FBI and Bank of America discussed needed information on ( 1 ) A list of BofA card users that used their card in the vicinity of DC, VA, MD from XXXX - XXXX and ( 2 ) ANY PERSON THAT PURCHASED A FIREARM " GENERALLY '' WITHIN 6 MONTHS. 
Email will be attached. 
XX/XX/XXXXXXXX  -- After hearing about testimony of a whistleblower I wanted to know if my name was given to the FBI because I purchased a firearm on this card. I called my bank and was assured that legally the bank can not give that information out and that BOA adheres to all Federal Laws on Customer Privacy. 
I followed 2 CFPB complaints that resulted in BOA telling me I do not own the account - false information. 
I filed a complaint with the OCC - BofA Regulator. - Denied I filed a complaint with the FTC - No word I filed a complaint with the FED - They do not regulate National Banks. 
I filed a complaint with Sen. XXXX XXXX, Sen. XXXX XXXX, Rep. XXXX. - Nothing The response from the last complaint was not shown as public, and the Bank wanted me to call a number for a discussion. I have called that number several times, no names, just a voice mail that is never answered or returned. 

This is going on since XXXX. The emails are in the Judiciary Testimony of FBI XXXX XXXX XXXX. BOA knows whose name they gave to the FBI without a warrant. 

That is why they keep me in limbo with follow-ups that do not occur of phony numbers that don't work and Erroneous communications to a Federal Agency ( CFPB ) that allows them to defer giving me the answer that could would loosely associate me with XX/XX/XXXXXXXX  events.

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 2023-08-10 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: GA

Complaint narrative:
XXXX has already removed XXXX XXXX on my consumer report but XXXX failed to do so. This is a follow up dispute to both XXXX and trans union to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information on my consumer report.

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 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
I have never verbally spoken to this company or received any written documentation from XXXX XXXX prior to receiving the attached debt collector letter. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within XXXX days after first contacting you. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. 

Please see attachments ( letters )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: MI

Complaint narrative:
2nd Experian Alert complaint about incorrect information on my credit report in a week and it is impossible to contact Experian otherwise because when you file a dispute with them their reps write you back and tell you there is nothing they can do in response to your complaint/dispute about incorrect information sent to you by their Experian Alert system. They then tell you to call their XXXX number ( XXXX ) where you get to talk to a robot who does nothing and when finally get transferred to a representative the message " we are not available. '' The dispute centers on an Experian Alert received re : a XXXX XXXX XXXX on which the alert advised that my credit may be adversely affected bec my available credit balance was lowered from {$2700.00} to {$2100.00}. To the best of my knowledge, I have one XXXX XXXX XXXX  and when I spoke to XXXX they advised that I have {$7500.00} in available credit and a XXXX balance. XXXX could not give me any other info unless I have the credit card number that Experian is talking about. When I wrote to Experian and asked for more info on this alleged problem account so I could address that with XXXX, Experian reps advised to call their XXXX #. Please intervene to help get me out of this Experian Catch 22. Thank You

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/23 I purchased a Vanilla Visa Gift Card at XXXX. I attempted to use the card on XX/XX/23 and upon opening the package I realized the third set of four numbers on the card were scratched off. Since I had an incomplete card I was unable to use it. I immediately contacted customer service to report the anomaly. They requested documentation to prove purchase. I submitted all documents via email on XX/XX/23 I was given ticket number XXXX and I was told it would take XXXX weeks to solve the issue and I would receive an email once it was solved. I had not heard from them so on XX/XX/23 I contacted them again and I was told it was still under investigation. I was told they will contact me once they had results, that I did not need to call them again. Which brings me to today XX/XX/23. I have yet to hear back from them and it has now been many weeks past the timeline I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Financing Corporation
State: TX

Complaint narrative:
Received a text message from a debt collection company, included below. They are searching for an individual who I do not know. We only share a last name. Gave many details about debt. 

XXXX XXXX, We are the collections firm retained to handle your account on behalf of our client XXXX XXXX XXXX XXXX, regarding your business XXXX XXXX XXXX XXXX as it is now in default status : Date of default : XX/XX/2021 Default Balance : {$48000.00} A payment must be made and a payment plan must be set up with our office to avoid legal proceedings. 

Please provide the last three months of bank statements for review. 

Give me a call at the number below, or send me an email back, to discuss your account and get this taken care of and avoid litigation. XXXX

Company response to consumer: Closed with explanation