vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank is not abiding by their basic agreement- I had ordered a single piece of merchandise - an XXXX XXXX XXXX XXXX  figuring for a total of {$34.00} in XXXX of 2024. Although the merchant provided a tracking number, the items was NOT delivered to my address- this is one of the latest scams going around that sadly, Synchrony Bank is not aware of are their investigators are simply not trained properly to deal with it - Synchrony Bank then denied my fraudulent complaint citing the fact that a tracking number was provided by the merchant - an easy call or investigation by them would have revealed that the merchandise was NOT delivered to my address but it appears that their investigators are not all that competent. If that wasn't enough, this merchant started doing unauthorized reoccurring charges. When I discovered them on my XXXX statement in XXXX, I called Synchrony 's customer service line. The reps I spoke with assured me that they would be removed. They apparently were & to be safe, I was issued a new card. The charges came back as reoccurring since that is how the perps set it up. The charges came back in XXXX, I called again, & thought I had this reoccurring thing removed. Another month later in XXXX now, followed by XXXX and now XXXX - Synchrony Bank, continues to do balance transfers from the old cards to new ones & they are all fraudulent. I have made several more calls along with live chat to get it resolved. I told than that I have a lifelong XXXX credit rating, always pay my credit card balances at the end of each month ( I never have to pay finance charges ), and keep meticulous records. I realize in the great scheme of things {$51.00} ( which is now growing from XXXX ) isn't that much, but there is a principle here- I am not liable for the fraudulent charges & the reps I spoke with agreed with that, but the keep reoccurring on this credit card - I have since canceled the card, but they continue to say that I owe them {$51.00} now. So what do I do?

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has removed {$3700.00} and despite spending two days trying to track the money taken by Citibank from my account, not one person at Citibank can explain. Ive spent hours on the phone, either on hold or getting the run-around, with Citibank representatives and none can answer the simple question. 

Absolutely no answer from Citibank. 

Leadership at Citibank is completely indifferent. They dont respond. 

In the meantime, they removed ( stole ) {$3700.00}. 

Ive written to the CEO, XXXX XXXX, as well as their Senior Managers and members of the Citibank Board multiple times. No response. 

The fact they can not readily answer a simple question as to where thousands of dollars, taken from my account, were sent is highly suspicious. 

I suspect this is a systemic issue at Citibank that may be impacting many Citibank customers.

Im asking the Citibank and its leadership be investigated for RICO violations as I believe their lack of forthrightness and their lack of response suggests theyre hiding something. 

The bank refuses to answer my simple question, where did my money ( {$3700.00} ) go? 

I will follow up with you by phone to submit an investigation.

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 2024-07-12 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XXXX I received an email alerting me I have a new online document to review regarding my dispute with XXXX for {$60.00}. in the document it is asking for additional information which is impossible to provide because according to the return/refund policy of XXXX you can not return an item ( XXXX ) without first contacting them and getting instructions on how and where to send the product back and the product has to be in good condition. I contacted XXXX 4 different times before I contacted Capital One to make the dispute. XXXX has not replied back to my emails advising how and where to send the three bottles back. I tried explaining this over and over again to Capital one reps that i can not provide proof of sending the bottles back because XXXX hasn't responded back to me in order to do so.. case number last four digits XXXX with capital one. i also sent proof from the three emails sent to XXXX to capital one showing that i contacted XXXX. i even asked capital one to refer to XXXX 's return/refund policy from the document that XXXX sent and to send that to master card and i keep getting told the same thing over and over again, we can't help you unless you provide us proof that you tried to send the bottles back, now i have been rebilled for something that i did not open and use and dont want and master card is not helping me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The list a account has violated my federally protected consumers rights to privacy and confideally under 15 USC 1681. 
XXXX XXXX : XXXX I looked at my experiarn credit report on XX/XX/year> and notcied some things are incomleted and not accurate. And according to the credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable produced to assure maxium possible accurancy of the informatin concerning the indovidaul about who the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to this ( 5 ) Treatment of inaccurated or unverifiedble inforation ( A ) In generalif, after any reingestion under paragraph ( XXXX ) of any imformation disputed

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX from all 3 credit companies, TransUnion, XXXX, XXXX. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be 100 % accurate not 99 % or 99.9 % but 100 %. Some accounts show up as late that dont even belong to me and are impacting my credit score. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide one and BY LAW I should get one that shows I am LIABLE for this debt. 

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 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 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld systems inc instead of contacting me on a debt owed to the military chance who was alread. Collecting its money through my military allotment. And instead of contacting me, they filed false documents stating that they had already taken me to court, and they had a garnishment order while my Work gave it to me. It was not a garnishment order, signed by a judge. Instead, it was just them stating that they were representing the United States government, which they do not do Contact military star and they said they were still collecting their money from military allotment which it shows they misrepresented the amount that was owed because according to XXXX XXXX I owe {$3000.00} according to XXXX {$4200.00} and the fact that I was never notified about the garnishment never notified about court because there isnt any court order and it is specifically signed by the people via electronic signature And Michigan law states they have to have a court order. I do not work for the government. I work for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It happened when I went though my Wells Fargo app on my phone to pay my credit card expense. Then I realized I was missing quite a lot of money than I should have. So I checked my history of debit card, found out there was {$600.00} been transactioned in the past, 3 days ago when I send {$30.00} to my friend for gas money. So I imeediatly contact to my banking service, Wells Fargo Fraud department and requested an claim for this problem and close my account for safety. I was confused if I send these money since it was a XXXX, not like an XXXX or anyother purchase, but I found out the name on the transcation history is impossible for me to send that money even by a mistake. The history only shows up on the final transaction. Doesn't show up on my XXXX activity history and the name doesn't show up on my reciepitant list. So it is impossible for me to transfer this money to a stranger by a mistake. I assume it's somebody hacked my account, logged in and send the money or did it in another way. 

After I claimed it, I got an email about 7~8 days later saying, contact Wells Fargo Fraud Department which I did and they answered the transcation was legitalment and already made so there's nothing they can do. I asked for more details and they repeaded about the transcation is legitament which I guess it's their system not letting to go further. In fact, one of the agent mentioned they might not have access, but they will try. So I believe I only got provided with limited information and I want to see if this decision that was made by their department fair. And I really want to get my money back if possible. It might not be a lot, but it is covering about half of my housing contract for my new school at 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 explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, I have checked my credit report on XXXX. And there was some accounts and inquiries that DO NOT BELONG TO ME. and currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. 

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Identity theft unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-12 00:00:00
Product: Credit 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Billing error according 15 USC 1666d and the treatment of my credit balance reported to the three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield has called me several times. I have been told they can't tell me how much or who. I asked for a letter, they said they sent it. I didn't receive. When they called again, I asked for the letter. They did not resend it. The same person, XXXX, keeps calling. I finally did some research and fond an old bill from a Hospital in Michigan. The amount was nominal, and I paid it. They did not say whether it had been sent to collections. That was the beginning of XXXX. Today, XX/XX/XXXX, I received another call from Wakefield.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a text alert from Chase asking if I authorized a XXXX transfer for over XXXX - I replied no. I then received a call from Chase and the person who called said they were with the Fraud Department. 

They asked for a reference number. I provided what I received. 

They told me that XXXX would not let it go through for that amount. They had me send a XXXX to reverse the attempt and that my funds would be back in my accountt in 24 hours - and all funds were gone and no return of monies. 

I immediately called Chase and filed fraud activity. They said ot would take 7-10 days to complete their investigation. 

I received an email stating my claim was declined as the transaction was done ferom my phone. 

I explained that I had been a Chase customer for 25 years, workes for Chase in the past, owned Chase stock and that this was my first claim files for fraud. 

Everyone I talked to said they are aware of the scam but nothing they could do since the transaction happened from my cell phone. They said too bad for your bad luck you were scammed and nothing we can do. 

I said they called from a Chase phone number, had me call Chase Fraud from mu husbands cell phone and ask for this person. They dis not give me the Chase number - I pilled it from their website. 

I am now out {$750.00} and Chase has said too bad for you but we will not back you. 

This is not fair, right or otherwise. 

This needs to stop- if they are aware of the scam should they not have notified their customers? 

I am devastated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting 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:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief