vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: CITIBANK, N.A.
State: WA

Complaint narrative:
The company constantly close my cases XXXX without giving me any legitimate reason. The company close the dispute case claiming that I did not upload supporting document. But I did upload everything they requested and the bank portable confirmed the receipt of my uploaded documents

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 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.

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 2022-11-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I extended my credit more oncewith AMERICAN EXPRESS COMPANY ( AMEX ) and they received consideration for this transaction. In return I received an adverse action letter saying i was denied the use of credit i already extended now showing a pattern of actions that are adverse to me. 
The agreement I was provided never had an option for me to opt-out and maintain my private non public personal information from being shared with consumer reporting agencies pursuant to the XXXX XXXX XXXX XXXX. The terms in the transaction that i applied for online is an agreement that is contrary to public policy. The agreement they had me fill out online is proof that this transaction would be complete only, if I would agree to an extortionate extension of credit. it was undue influence that made me complete that unconscionable agreement that i filled out because i was left with no other options. The online agreement was prepared long before i decided to extend my credit with AMEX. I should have been provided any kind of contract as those intentional actions violates the XXXX XXXX XXXX outlaws any contract, conspiracy, or combination of business interests in restraint of foreign or interstate trade. this agreement allowed unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I was on my way home from lunch before I decided to stop at the bank and deposit some loose change. I've been a Wells Fargo customer for a little over two years, and I've never experienced anything like this. As I was going to an ATM, a XXXX  man stopped me along the way asking for some help depositing a check that had {$1000.00} written on it. He said he was from XXXX, so he may have either come to the United States as a child or is currently doing business here. But, as soon as I finished depositing about {$50.00} of loose change into my account, he just goes ahead and deposits the {$1000.00} into MY account, only to then take out {$400.00}. I tried to stop him, but he just walked away right into his car and drove off. So now I'm pretty much piss-poor and the guy just committed fraud on my account. In other words, he stole the {$290.00} that was given to me from XXXX, where I'm in my final semester before I go to university in XXXX, AND the money I had just deposited into my account. 

Unwilling to accept the outcome, I immediately got on the bus, only to stop at XXXX and get on the phone with my bank. I told them that the {$50.00} I deposited earlier was mine, but the {$1400.00} wasn't. What they've done so far was put a block on my old card and send me a new one. The case is open as of right now, there has been a hold on the {$1000.00} that was deposited that may not clear up until tomorrow, both the deposit and the {$400.00} withdrawal from the ATM have been posted and they're still on my account statement, they're sending a letter to my house saying they may need more information or that they're sorry the investigation is taking so long to clear up.

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 2022-11-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21 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: CITIBANK, N.A.
State: WA

Complaint narrative:
The company constantly close my case XXXX without giving me any reason. I did not receive the package, uploaded police report and every other supporting documentations. I don't understand why Citi is telling me that I'm responsible for the charge without giving me any legitimate reason.

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 2022-11-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I lost my Bank of America credit card and reported it to Bank of America. I set up the fraud claim with Bank of America. Bank of America refuse to reimburse me for the fraud loss.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
I checked my credit report and noticed a fraudulent credit card opened under my name with coastal credit opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed

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 2022-11-21 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: NJ

Complaint narrative:
I noticed multiple accounts on my report that I do not recognize

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 2022-11-21 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: CA

Complaint narrative:
I checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
I checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX  opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed

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 2022-11-21 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: NJ

Complaint narrative:
I noticed multiple accounts on my report that I do not recognize

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 2022-11-21 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: NJ

Complaint narrative:
I noticed multiple accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Names on the mortgage XXXX XXXX and XXXX XXXX. We were approved for the homeowners assistance funds since XX/XX/XXXX. XXXX adviced us the payment was sent since XX/XX/XXXX. My mortgage company still havent apply the payment. Now we are past due with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am filing a compliant on Chase Bank corporation of Texas for closing my two different Savings Account # 1 ; and Account # 2 without my knowledge not once but twice and did not communicate with me with protocol under consumer policy or procedures in correspondence with regarding my accounts as well as the money that was deposited there in the amount of {$300.00} dollars due to reasons being : 1. not accepting or honoring my Reasonable Accommodations allowed under XXXX XXXX XXXX XXXXof the state of Texas XXXX XXXX ) XXXX. ; 2.  not sending me out any messages via email or letters in the mail to my home address on file ; 3. closing my account due to fraudulent activity and identity theft on my accounts. 

The company has also mentioned to different names reporting on my account by the name of XXXX XXXX XXXX and has stated that I owe a debt, I have verbally disputed the inaccurate information that I am not the person the alleged my name to be. They have two names reporting on my account status and will not remove the incorrect name of whom ever has been using my identity, nor will they give me any proof of documentation of the the two names reporting on my accounts and/or a copy of the alleged debt attached to the inaccurate name reporting on my account so that I can dispute this once and for all. 

This corporation has caused much confusion in regards to non acknowledgement of the current XXXX and utilization of my reasonable accommodations I have the right to use under The XXXX XXXX XXXX and has displayed great discrimination for these reasons my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had an unauthorized transaction of XXXX dollars taken from me and it was sent from XXXX apparently. I called my bank Chase bank and they said there is nothing they can do about that which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, at XXXXXXXX XXXX, I made a transfer of {$110.00} to a friend trough XXXX at Babk of America application. The money disappeared from my account and my friend never got money. When I click on the transaction it says it is pending review. When I click on this information it says bank of America placed a hold on this transaction and it is reviewing and I dont need to do anything now. Once they are done they will complete the transfer or get in touch with me. 
I called the bank and told them to cancel so I could get the money back they says they couldnt and I needed to wait. I asked XXXX XXXX they says they didnt know, I said well that I needed to pay my friend who bought tickets for XXXX XXXX XXXX XXXX. They kept saying the same recorded script. I want my money back or the transaction to be complete. Now. Bank of America can not HOLD your money.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NJ

Complaint narrative:
I noticed a few accounts on my report I am not Familiar with

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 2022-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB XXXX XXXX XXXX keeps calling me daily from different phone numbers including the XXXX provided in the form. Also receive text messages from them as well from different numbers stating the same thing over and over again. I feel harass by this company everyday from constantly calling and texting me the same thing.

Company response to consumer: Closed with explanation