vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hey, I had a account with chime and I deposited a XXXX XXXX loan from the company XXXX to the chime account because the chime account was approved by the loan company the loan was deposited on XX/XX/2021 for {$35000.00} on XX/XX/2021 they closed the account with {$10000.00} left in the account and said it was being closed due to the deposit of the loan and they wanted me to explain the loan and verify myself and they will send me a refund check in the mail in 30 days if Im verified. So I did receive a check in the mail on XX/XX/2021 with only {$300.00} dollars from the account. I instantly emailed them back and told them I only received {$300.00} and theyre member service team replied saying sorry about the inconvenience we will send you another check in the mail containing the XXXX and we will expedite it in 10 days. Its XX/XX/2021 and I still havent received a tracking number or my refund from chime so I emailed back after the 10 days now they are saying my account is closed due to there internal policy I dont know what to do chime is taking of Advantage of me Im a young man I take care of myself I have bills to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX for {$2500.00} and activated the XXXX Feature on my card. On XX/XX/XXXX the purchase was refunded in full by XXXX and a credit of {$2500.00} was posted to my account. 

On XX/XX/XXXX I requested the refund be applied to my Plan and was told this was completed. Once I received my first statement, it was not canceled out, it was somehow reduced so now my balance is a little over {$900.00} and it wants me to make a {$130.00} payment... I have zero conference in what is going on right now and how the XXXX a credit gets applied but not fully. 

I've done several chats and calls into customer service to only be given the same run around about how it will be applied next statement... I was told the same thing before my first statement as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to open a bank account couldn't because of identity theft I can't get a bank account, can't get a replacement social security card, can't even get a direct deposit from past jobs so they got ta bend their rules to pay me in cash, can't get new jobs cause you need a copy of social security card on interviews, can't get loans or grants because of all the accounts and loans took out for houses cars boats etc. On my credit files and reports that I haven't even started so what is a person to do when your whole life is being ran fraudently by Government officials Judges, Cops, And Federal Government people Even Child Protective Services out of Ohio is a part of the nationwide scandal, starting fraudulent child support cases on my name social security number and account and I want a vast investigation going on and prosecutions of people all the people who are involved whether they are everyday people government foreign or domestic. I can't even live my life cause all the XXXX XXXX going on, yes im reporting on all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called XXXX XXXX XXXX XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the XXXX letters I received in the mail from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: IL

Complaint narrative:
To whom it may concern, I am writing this letter of dispute about a fraud remark on my credit report with Equifax. This matter derogatory remark is saying an account opened XX/XX/XXXX for {$210.00}. And the 1st delinquency XXXX with XXXXXXXX XXXXXXXX XXXX XXXX I have made several attempts to resolve this matter with XXXX XXXX XXXX and Equifax when it appeared on my credit report. XXXX XXXX XXXX is having trouble with producing and sending me a list of all the billing history and the itemized transaction for this account. I need to thoroughly investigate this matter since Equifax has refused. 

The only documents I received with another person 's name crossed out and someone filled in my name on a contract that was not authorized by an officer of the company XXXX. The contract is showing a zero-balance dated XX/XX/XXXX. With a different ink pattern where someone decided to print my name or copy and paste it on this contract. 
XXXX XXXX XXXX have also sent me someone else credit card info. I have double-checked all my credit cards it does not match with my credit cards. 

I have also requested Equifax to send me the personal information they supplied to XXXX XXXX XXXX about this matter. And how was this account verified as correct? I have certified mail this information To Equifax regard unfair practice and deceptive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX CO 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 2021-12-07 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: NC

Complaint narrative:
I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit 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 explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND  THE XXXX data  breach and may have gotten into the wrong hands.

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 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I sent payment using PayPal credit when the payment was requested from me I inadvertently created a duplicate transaction upon realizing that. I notified PayPal that the second transaction was only a duplicate. and it not to been processed. I later found out that the first transaction was not paid to the recipient. so the recipient has not received any of the payment. 1. PayPal has failed to accurately update my account to one reflect the cancellation of the duplicate and 2. PayPal has failed to refund the transaction that the recipient was not able to get. so now I am being charged interest on to {$400.00} transactions which have gone nowhere because the recipient has not received the authorized 400 plus the cancellation of 400 which was a duplicate and PayPal is not canceled the payments and I am being charged interest for almost 2 months yet the funds have not been paid to recipient, the other {$400.00} amount is a duplicate which I requested to have cancelled and it too has not been cancelled causing me to accrue interest unnecessarily.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and  removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, 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 2021-12-07 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: VA

Complaint narrative:
Received a notice about six weeks ago from Bank of America that there appeared to be fraudulent charges on my credit card. I did not recognize any of the dozen or so charges, and was told that they would all be investigated for fraud, that I would not be charged and that my credit card would be cancelled an a new one issued.

After receiving the new card I decided to pay it off completely, which i did, but today ( XX/XX/21 ) {$1300.00} of the fraudulent charges were reinstated. I called Bank of America at XXXX in the morning but was told that due to unusually high call volume I would not be able to have my call answered. Called back at XXXX in the afternoon and reached a rep who said I needed to speak with a fraud representative, was transferred but placed on hold for more than 30 minutes. I finally spoke with " XXXX '' who took all of my information but said I needed to speak to someone else, he would transfer me immediately and with no waiting- this didn't happen and after another long wait I hung up. 

This isn't right, I'm XXXX XXXX XXXX XXXX  don't need to be terated like this.

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 2021-12-07 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:
Ive contactacted transunion several times on this fraudulent account thats reporting I was told it would be removed within 48 hours it still reporting Ive also sent transunion a copy of my identity theft report showing that the account listed below is a fraudulent account and was opened fraudulently without my consent and fraudulent chargers were made. 

XXXXXXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/2015

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 2021-12-07 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: GA

Complaint narrative:
I reached out to the company explaining that I did have any service with them at all and I sent a police report for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
this message is for Transunion. I spoke with an agent at XXXX XXXX on XX/XX/21. I am guessing he is the manager of the loan department. this person sent me the following : Hello XXXX XXXX, Thank you for contacting XXXX XXXX regarding paying off your loan number { XXXX Loan ID }. You may pay off your loan at any time without penalties or fees. 

The payoff amount today, XX/XX/21 is $  close written off Interest accrues daily, so this quote is only valid if full payment is made today. 
He told me that the loan is showing as closed and zero balance. I told him i wanted them to report to the credit bureau that the loan is paid in full and to delete. he said he has nothing to do with that only the credit bureaus can do it. I asked him to email me a letter saying it is now paid off because transunion has the account as charge off and i want the charge off status removed and the account deleted

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 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Through personal finance site XXXX, I had heard about the Triple Cash Rewards credit card product from Upgrade, and the fact that it offered 3 % cash back rewards on some very unique spending categories was very intriguing to me. On XX/XX/2021, I began the process of applying for the card directly through Upgrade 's website. 

After providing them with my name, address, Social Security number, bank account information, and  income, I was rather surprised to be informed that I was required to enroll as a member of the XXXX XXXX XXXX XXXX before my application could be processed. Although Upgrade states that they will cover the initial deposit of {$5.00} and the first-year 's membership fee for the credit union , the fact that joining the credit union was a requirement for the card was never disclosed anywhere on the website or during the application process itself ( until after the sensitive information was provided. ).

This seems incredibly deceptive, and had I known that applying for this card would require me to sign up with an additional financial institution that I'd never heard of before ( and that would entail an ongoing cost of membership ), I never would have bothered signing up in the first place. 

After trying multiple times to unsuccessfully proceed with the card application process without joining the XXXX XXXX XXXX XXXX, I was eventually presented with an option on the website to indicate that I was no longer interested in the card and could permanently withdraw my application, which is what I did.

I believe it's only right for consumers to be told of this secondary requirement very plainly and clearly before they begin the application process for the rewards credit card ; I'm sure I'm not the only one who has been miffed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: OH

Complaint narrative:
XX/XX/2021 Received email that my application for a Wells Fargo Checking account had been approved. Later on I received another email stating a checking account had been opened in my name. 

Called Wells Fargo XXXX  they closed the 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 explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal Cashed my settlement check that that was for me with the fraudulent endorsement signature on the back of the check. My check was put into a member 's account I've contacted the police made a report by the report with navy federal Navy federal gave me a window of 10 days and the issue would be resolved I filed a complaint on the XXXX XXXX  XXXX it is now the XXXX XXXX  XXXX I spent hours on the phone with navy federal They can't give me any information Other than they're working on it. They're Past there deadline, No one has been working on my case Nor is my case assigned to anybody. This much I got from an employee yesterday on the phone. They're just brushing me off And trying to keep my money All because I close my account out with Them. The last piece of information I got was they're working on it they're really backed up and they're not sure when they're going to be able to handle my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
I was a victim of Identity theft and have sent in numerous documents for my FTC report showing the Inquiries are not mine. They refuse to delete it from my account. Every week its a new reason why they cant remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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:
On XX/XX/XXXX I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and  Equifax has not resolved my issue. There are 10 inaccurate accounts that are reflecting on my credit file that need to  be removed immediately. These accounts were all showing included in Bankruptcy XXXX XXXX however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letters that I received from Equifax which shows all these accounts show in the comments section included in Bankruptcy XXXX XXXX. The accounts in question are 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. 

My data was breach in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.

Company response to consumer: Closed with explanation