vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I was charged unauthorized transaction and money was taken from my account and my account was closed due to this and a check that I never received money on XXXX XX/XX/2021 {$180.00}, XX/XX/2021 {$220.00}, XX/XX/2021 $ XXXX $ XXXX {$230.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$300.00}, XX/XX/2021 {$440.00}, XX/XX/2021 {$480.00}. 
And check that was cashed but I never saw any of that money and also I told the bank I was scammed with that check I also went to file a complaint at police department for it that was XX/XX/2021 and the check was deposited on XX/XX/2021 of {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: KY

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2021-12-23 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: KY

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2021-12-23 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I'm needing assistance with retrieval of my funds from venmo. I did a transfer from XXXX XXXX and there are two different transactions on two completely different days that absolutely don't show on venmo and I never received my funds. I contacted the multiple times by email and phone to try to rectify the matter and they are extremely rude and unwilling to assist me. I had no other choice but to contact you to mediate this matter. The first transaction is on XX/XX/XXXX at XXXX for {$140.00} the retrieval number is XXXX. The second transaction is on XX/XX/XXXX at XXXX p.m. for {$30.00} the retrieval number is XXXX I am not a wealthy individual and I have literally been emotionally affected by this matter. My money being held and being mistreated when I am in need of my money. I will be contacting an attorney to see about pain and suffering that I have endured

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
1 collection accountTotal balance : {$810.00} SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 What happened? 
The dispute for the account with SEQUIUM ASSET SOLUTIONS that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : SEQUIUM ASSET SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA XXXX I have XXXX never would use XXXX. I live in Florida have not been to Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This involves two checking accounts custodied at Wells Fargo Bank. My wife and I were the account holders on both accounts. 
I received a call from someone who purported to be from Wells Fargo fraud department. 
This person turned out to be a fraudster. The fraudster asked me to transfer funds from our Wells Fargo personal checking account to our Wells Fargo business checking account using XXXX. The personal checking account was attached to my XXXX profile ( my email address and phone ) and the business checking account was attached to my wife 's XXXX profile ( my wife 's email address and phone ). I complied because it just appeared to be a transfer from one of our accounts to the other. 
The funds did not go to the second account but to an outside account at XXXX XXXX because the fraudster and in someway hijacked - that is broken through the security and rerouted- the XXXX profile. I did not give the fraudster and usernames or passwords. The breaching of the XXXX profile apparently was set-up ahead of time. 
I also transferred some funds in the other direction - from the business acccount to the personal account. They were also intercepted. The amount of the loss was XXXX XXXX XXXX dollars. 
Within an hours time I realized something had happend I contacted Wells Fargo fraud department. The agent reviewed the transactions and filed a fraud claim. After two weeks " investigation '' Wells Fargo denied the claim. I appealed the claim and the appeal was denied. The only informaton that I received about the whole investigation was that " the appeal was denied because you made the transfer ''. As you may know, XXXX accounts are setup exclusively through banks or other institutions. My XXXX account was created on Wells Fargos website and I had no relationship or contact with XXXX that was not through Wells Fargo. The security breach that allowed the highjacking of the XXXX transfer was 100 % thte fault of Wells Fargo and XXXX. 
Futhermore, these were supposed to be federally insured accounts.

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 2021-12-23 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: NY

Complaint narrative:
I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter

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 2021-12-23 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: NY

Complaint narrative:
I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the XXXXa please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Over a month ago I deposited XXXX dollars into my account and it was immediately suspended following the deposit. After speaking with chime I was told I needed to send in identity and address verification. I supplied documentation and the account was not unlocked. After multiple emails and phone calls that resulted in nothing happening, I requested the account be closed. I have done that 3 times now and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021 a deposit was made of {$1200.00} dollars, but an estimation of {$1300.00} was entered into the ATM because the ATM had jammed and had requested for the one depositing to enter the amount of the cash deposit ( at the time I was not certain of the exact amount until afterwards ). An over estimation of the deposit was made in order to not have my deposit shortened to less than what was deposited. The other option was to select " unknown amount '', which I felt uncomfortable selecting. Ends up that the money was not counted either way in the end by a Wells Fargo employee. I was not given the option for anything once the ATM had jammed, but only told me to call the number on the screen in order to resolve the issue. I was not instructed to come into the bank the following day to resolve the issue. No receipt was given and the ATM only detected {$50.00}. I called Wells Fargo Customer Support the next day and I filed a claim in order to receive my money back that was jammed in the ATM. I was given some time after a provisional credit of {$1200.00}. After months of waiting and dealing with customer support they had denied my claim and stated that the ATM only detected {$50.00}. Afterwards, I went into that same bank and talked about my issue and ended up filing an escalated complaint with the bank. I waited a few weeks and never got contacted once I had received the acknowledgement email. The {$1200.00} of provisional credit was taken back from my account. I went back into the bank and opened a case with a specialist and did not get contacted until and had to go back into the bank and talk to the a Wells Fargo employee over the phone. They stated all that the ATM had detected was {$50.00}. The manager stated himself that when an ATM jams the total amount deposited is not counted and goes into a dispenser bin within the ATM. They refuse to check their video recordings outside and within the bank to verify my claims. The ATM only detected {$50.00}, but proof of a deposit was created within the ATM itself by virtue of a receipt within the machine that the bank itself had given me a copy of once I asked for a copy. That local bank itself where the money was deposited at their ATM and the Wells Fargo claims/specialist departments refuse to check their cameras outside and within the bank in order to validate my claim of a deposit of {$1200.00}. The only amount of money that I got that went into my account was the initial detection of a {$50.00} bill. No receipt of the transaction was given from the ATM itself because the ATM had jammed. The only reasonable explanations are that an employee or employees that work in or for the bank have pocketed the money or an error was made by the individual that collected/counted the money in the ATM dispenser bin.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I, XXXX XXXX XXXX, give authorization for JPMorgan Chase Bank, XXXX. to move forward with this complaint. I applied for a credit application on XX/XX/XXXX, and XX/XX/XXXX. According to XXXX XXXX XXXX Regulation Z ( XXXX ) I am a consumer which means a cardholder or natural person to whom consumer credit is offered or extended. JPMorgan Chase Bank denied me my right to a consumer credit transaction On XXXX XXXX and XX/XX/XXXX. 

JPMorgan Chase also stated they used the credit bureau and credit score to make the decision. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 12 CFR 1026.2 ( 5 ). XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and the Bureau is Consumer Financial Protection Bureau. Furthermore, the Fair Credit Reporting Act makes no mention of a XXXX score being a numerical score as defined by 15 USC 1681g ( f ) ( 2 ) ( A ). Credit is a right guaranteed under the Equal Credit Opportunity Act, 15 USC 1691a, and JPMorgan Chase Bank denied me that right. Chase Bank is in violation 16 CFR 433.XXXX of I, natural person seeking or acquiring goods or services for personal, family, and household use. JPMorgan Chase Bank is not exempt under XXXX XXXX  XXXX because they received or took my open end consumer credit contract after XX/XX/XXXX. JPMorgan Chase has discriminated against me because I in good faith exercised my right pursuant to 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
FNBO ( First National Bank Of Omaha ) opened my bank ( checking ) account on XX/XX/XXXX and funded it with {$350.00} from XXXX XXXX ( an ACH withdrawal ). 

On XX/XX/XXXX, {$350.00} was withdrawn from my XXXX Bank account and transferred to FNBO. 

On XX/XX/XXXX, FNBO closed my account. 

The {$350.00} was never returned to XXXX XXXX  or sent to me via check. 

On XX/XX/XXXX, After several conversations with both FNBO and XXXX ( starting on XX/XX/XXXX ) to attempt to find out where the {$350.00} is, a conference call was initiated by XXXX with FNBO. 

During the conference call : - FNBO Manger, XXXX, states that the {$350.00} was returned to XXXX on XX/XX/XXXX. 
- XXXX Representative, XXXX, requests documentation from FNBO in order to track that transaction. 

On XX/XX/XXXX, FNBO Supervisor, XXXX, states that she will contact the correct departments, get the requested information and have it faxed to XXXX but that since it was late in the day that it probably wouldnt be faxed until XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX : Calls to XXXX made and they report that they have not received any faxes from FNBO. 

On XX/XX/XXXX : FNBO representative, XXXX, states that they faxed the requested information on XX/XX/XXXX. I requested that the information ( a letter/statement that FNBO closed my account on XX/XX/XXXX as well as a trace ID for the return of the funds ) be emailed or sent to me so that I could make sure that XXXX gets it. XXXX stated that, per documentation from a supervisor ( XXXX ), they would not be sharing any information or sending any of the documents to me. That XXXX XXXX would have to call them to request any more information.

**When asked for an ID number for this call, XXXX stated that there is no ID number.

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 2021-12-23 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX SERVICES OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
I am unaware of this debt. I was just recently notified from my XXXX credit report. Prior to I had no knowledge of owing a debt from this company. I did not receive debt verification, no phone calls or any letters. I would like to have this debt removed from my account as it is hurting my credit score and I think it may be an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-12-23 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: MD

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE

Complaint narrative:
Company wrote me with several indicators that it was from a law firm, while implying that they were representing the current collection company for an alleged debt of {$440.00}. I also felt threatened and bullied by an ultimatum to pay by a certain date ( XX/XX/2021 ). I wrote a letter trying to validate the alleged debt, and they sent me a statement with personal medical treatments plainly visible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: IA

Complaint narrative:
I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: IA

Complaint narrative:
I have no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.

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