vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a fraud case with Bank of america because money was stolen from me. XXXX2020 XXXX was taken XXXX2020 XXXX was taken. XXXX2020 XXXX was taken. I was on hold for hours numerous times. I have talked to many representatives over the phone. I received a letter saying claim was denied because it was my fault money was taken. I didn't take this money outta my account. So I called again and the rep told that the computer automatically sends that letter out. They said that they would reopen my claim. They also told that they didn't know when my money would be put back in my account. This debit card is my unemployment benefits. I received a new card and I am still waiting for my funds to be put back. Now I tried to use my card today at the bank atm and it would not let me take any money out stating technical issues. I called them again. They told me the edd closed my account and I would have contact unemployment. I called edd and they said they didn't close my account. They told me that they would send an email and I should be able to access my funds next week. How can the bank not pay me what was stolen and then close my account with money still in it? Please help. 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 explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had got a free trial from XXXX XXXX and XXXX20 they took XXXX out my checking account i want my money back!!!!!!!!! I didn't even finish the free trail and im been charged!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ 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 explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I noticed a hard inquiry from Sync/XXXX  on XX/XX/20. On XX/XX/20, I was at XXXX 's and they asked if I wanted a rewards card and I specifically asked if it would run my credit and was told no. I explained that I was in process of trying to buy house and did not want to apply for credit card and they guaranteed me it was only a rewards card for coupons, like XXXX XXXX XXXX. They said the info needed was just to verify my identity. They lied

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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX in XXXX XXXX, California on Saturday XX/XX/XXXX to pick up a money transfer from Western Union sent by XXXX  XXXX XXXX EDD. The money transfer request was for {$4400.00} and was scheduled to be picked up by myself, XXXX XXXX. I had to send in my social security card and verify my identity in person at XXXX  XXXX XXXX before they could complete the transfer. On my California drivers license I have the suffix XXXX and XXXX  XXXX XXXX did not put XXXX  on the transfer. I was told it would be fine because they verified me in the western union system and I verified myself in person. The customer service representative at the XXXX XXXX XXXX XXXX, XXXX XXXX, completed my transfer request and right before she was about to give me my {$4400.00} she said hold on, I need to ask my co worker something. XXXX came back and said Im not gon na be able to give you the money because your ID says XXXX on it. She got on the phone with western union to cancel the transaction because she already completed it in the system without actually giving me the money. After going back and forth with XXXX and her coworker XXXX, they asked if I had any form of ID that did not have XXXX on it. I told them I did not only a credit a card. The major problem with this whole scenario is that XXXX completed the transaction in the system so it made it seem like I picked up the money when I never did. I immediately called XXXX  XXXX XXXX and they advised me to call law enforcement and make a fraud case. I have been in contact with Western Union since XX/XX/XXXX, and they have documentation that I never received the funds. I also have official documentation showing I never received the funds. Western Union told me they would do an investigation and I will have a new Money Control Transfer a number ( XXXX ) to pick up the funds. I was told it would take 24-48 hours, then that turned into 20 days. I was told it should be finalized XX/XX/XXXX. Well that day came and went and I still have not heard anything whatsoever. Western union has talked to the store already, they know I never received the funds, but they are just dragging their feet on giving me my money. I then got told itll be finalized in XX/XX/XXXX and then I never received a notification again and when I called I was told itll be another 24-48 hours. I keep getting the run around and I just want my money. I did this emergency cash transfer to pay for bills and I have been unable too since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ 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 explanation
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased tickets for a trip that was supposed to happen XXXX 2020. XXXX cancelled my tickets due to the pandemic. I request a refund from XXXX but I never received it. I asked my bank to intervene. I opened a claim and sent information several times. They still haven't resolved my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
It's XX/XX/XXXX. I received a fraud through phone call and transferred XXXX dollars and XXXX dollars to someone unknown through my bank of America XXXX account. I called the bank and they filed a report for me but can not guarantee they can stop the account for the scammers or stop the transitions. And I also called polices. But they can not give me a solution so far.

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 2020-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX a refund of {$510.00} was supposedly issued to my XXXX  XXXX XXXX account. After contacting Paypal Services, they informed me that my money was transferred to my account. However no funds were received. I attempted to reach out to XXXX  XXXX XXXX, but they refused to respond. After filing a complaint with FTC, XXXX  XXXX XXXX reached out to me and informed me that no such transaction occurred. I am now filing this complaint against Paypal asking them to send proof that they sent money to my XXXX  XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Prior to the beginning of 2020 I have had an excellent payment history with Capital One. However, due to financial hardship in addition to the pandemic I was not able to make my monthly payments. I must admit that I did not do my part in contacting Capital One in a timely matter. It was an overwhelming time, but I do apologize for my negligence. I have occurred late payments from XXXX, which is negatively effecting my credit report and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
I was in XX/XX/XXXXand almost {$3500.00} was take and charged to my card. I sent in all of the information and proof that is was not me and that my card was stolen and that I was in the XXXX XXXXXX/XX/XXXXand they refused to give me my money back. I have tried everything but driving from XXXX XXXX Texas up to XXXX Texas where the NetSpend corporation is located. They still have not sent me my new debit card in the mail and my next Check department of veterans affairs check will be deposited on the XXXX of this month and I will have to transfer my money to the card I had to go out and buy because is was the only early I could have access to my money and not all of it at that because you are only able to transfer so much in a week and I have 2 checks from the government that go to that account. You would think that after being a customer for 17 years that the would want to take care of a loyal customer but nope they won't even let me talk to the fraud department of anyone higher than the customer service department. I just want my money back I was XX/XX/XXXX for over a month because of this and I had to XX/XX/XXXX and XX/XX/XXXX and that is no way for a combat veteran to live. All I'm asking for is my money that was stolen from me and was reported as soon as I got out of jail back to me because you can look for yourself on the XXXX XXXX Texas website that I was XX/XX/XXXXduring the time the charges were made. I would appreciate your help in this matter. Be The charges in question go from XXXX to XX/XX/XXXX. Please help with what you can as I'm loosing everything due to the loss of this money. Like I said I lost My house I lost my Truck I lost my wife and I lost my children all due to NetSpend not giving me my money back. I'm still trying to recover and I'm having to live with my granddaughter because I lost everything else and it is very embarrassing and degrading to be a XXXX year old man having to live with your Granddaughter. I also have screen shots of my mobile app showing the charges and all they would have to do is look at the video footage a d they would've seen clearly that the charges were not made by me. You will have to look my account up by my SSN because thay have not sent me a new card and I ordered a new XXXX when I made the report the day I got out ofXX/XX/XXXX. My XXXX is XXXX and I have to accounts here is the account number if it will help. The account number is XXXX. I have been a customer since XX/XX/XXXX and this is not how you treat a loyal customer or a combat veteran in any way shape or form!!! Please help. I can be be reached on any of my contacts below. 
Thank you 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 explanation