vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I transferred Funds from my checking account via XXXX to my friend whom also banks with the same Institution. I received a notification that he did receive funds. Almost three years later he tried to use his XXXX and was told he had never used XXXX. He said he did because I sent him money. He looked back into his account and he NEVER received the funds. However, the funds are gone from my account and I have confirmation text that he did receive it, but he in fact did NOT. Bank of America stated its been to long and they cant do anything about this matter. I was finally able to get Bank of America to file a claim. He did not receive the funds and the funds were taken from my account. Where are the funds is what Bank of America needs to prove to 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i was placed in XXXX XXXX after the debit was paid. i was placed in XXXX XXXX  for an error on bank of americas part they didnt do their due delligence at all. i paid them a total of XXXX dollars in XXXX XXXX  to settle all debits they said its paid in full and sent me to XXXX XXXX thats horrible its ruining my lives, i cant do anything.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX Chime mailed an unsolicited visa debit card to my home. I had no idea what Chime even was nor did I ever submit a financial application. I immediately contacted Chime at XXXX requested the card be closed and a letter of closure be mailed out. I also requested basic info about the card but was referred to XXXX which sent auto responses unrelated to my requests. I tried corresponding with XXXX unsuccessfully for days. On XX/XX/XXXX I received yet another card in the mail. This one was a visa card and immediately called Chime to report the XXXX card as fraud as well and ask questions on how an additional card would be issued when I just spoke extensively with Chime on XX/XX/XXXX. Chime stated they shut the visa card down and confirmed the debit card was also closed. I requested card closure documentation to be emailed to my attention and I would remain on the phone until email was received, but was told the Chime system would not allow email to go out until we ended the call. I also requested a trouble ticket number and was given # XXXX. No email was ever sent regarding closure. 
Each time I contacted Chime they request personal identifying info such as social security number, name XXXX street address and email before given very vague information regarding the cards created in my name. They would not provide simply info such as when accounts were applied for, how many accounts are open, how much is charged etc Chime is DELIBERATELY CREATING ADDITIONAL FRAUDULENT ACCOUNTS IN MY NAME AFTER VEHEMENTLY REQUESTING THEY CLOSE ALL AND PROVIDE DOCUMENTATION FOR MY RECORDS AND ADDITIONAL REPORTS. At this point I fear more accounts will be opened and additional cards sent out to WHOMEVER is applying. This is identity theft with Chime equally accountable with aiding in this theft by not closing unsolicited accounts upon verifying my identity and upon request. Instead of closing cards Chime continues to propagate the fraud by creating additional accounts. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
XX/XX/XXXX I found charges in my personal Wells Fargo account that were not mine. I found the following charges and dates : XX/XX/XXXX Recurring Payment XXXX XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX These are the dates I found and filed but when speaking to the XXXX representative on XX/XX/XXXX he found XXXX back XXXX for XXXX. On XX/XX/XXXX I received a letter stating that only the XXXX would be refunded due to over 60 days since first withdrawal occurred. 

I went into the branch and spoke to a banker XXXX and she stated that the claim filing with the XXXX claim was the issue and we needed to refile with the original dates I called about. She then say an additional claim on XX/XX/XXXX for XXXX that was processed after my fraud claim was filed. This claim for the XXXX has been found to be fraud and reimbursed. 

Wells Fargo admits they are aware it is XXXX and I called on these dates even before the statement for these dates was mailed. They are stating that the 60 days between the XXXX claim and XXXX claim makes the XXXX is not reimbursable due to how claim was filed. 

This new addition to XXXX fraud policy is a new one as I have previously had a fraud claim that span eight months and all fraudulent charges were reimbursed. I have been given as many stories as employees that I have spoken to. 

Claim number XXXX paid XXXX Claim number XXXX paid XXXX not paid XXXX Claim number XXXX is open after I let them know I would be filing claim here. I asked what dates are on this claim and it still remains unclear but is with upper management in the Fraud department. XXXX contact number XXXX is the last person I spoke with today XX/XX/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 monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC
State: CA

Complaint narrative:
I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 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: VA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-30 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: VA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted my application with employer certification for XXXX in XX/XX/2022. I had initially used the help tool including thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I still was working for the XXXX When I submitted my substantiation, I redid the help tool to only include the XXXX XXXX and received a notice that I am being denied due to the XXXX not being eligible. This was confusing since I never submitted anything with this information on it. 

I reached out to XXXX XXXX since they are my servicer after not getting a response from MOHELA after multiple messages. They responded after over a month to my explaining that I am a XXXX XXXX  and the denial is not based on accurate information on their end and they responded saying to call. MOHELA finally responded saying to call as well. The wait times are ridiculous. I have not been able to get through to a person yet. I have yet to receive a notice to stating an update since the information being processed is not even what I submitted. The form on their website still says processing and there are two different received dates which also doesn't make sense since I only submitted one application. 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am looking for assistance but getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Truemper, Titiner & brouch Ltd
State: IL

Complaint narrative:
Truemper titner & brouch ltd attempted to collect a debt by harassing and intimidating us. When I told them my husband wasnt home and tried to close the door, they ripped it open and threw the paper at me, breaking our door handle. I was genuinely terrified as a woman home alone being attacked by a grown man. I almost called the police. They sat outside of our house for hours and came over 5 times. They never served my husband papers but had court and had a lien placed on our account, withdrawing the entire balance with absolutely no notification or notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX was transferred to Elan Financial as the new servicer in 2019 at that time I wasn't able to make anymore payments because I never received the new card to be able to login to their portal. I called XXXX to make payments they told me to contact Elan Financial and when I would Elan would tell me they don't have my account yet and unable to make payment. I also had Reward points which amounted to over {$340.00} and was suppose to be applied to my account balance at the time which was roughly {$830.00}. Now Elan Financial has the account ending XXXX as a charge off with balance due of {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my identity was stolen on or around XX/XX/XXXX, XXXX someone used my capitol one account to buy gift cards then tried to use them to pay account. Someone was using and paying the account and payments were being reversed. Causing me to lose both of my capitol one credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-30 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: OH

Complaint narrative:
XX/XX/20XXXX XXXX account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals

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 2022-12-30 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: OH

Complaint narrative:
XX/XX/XXXX XXXX  account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-30 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: GA

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and fraud.

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