vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Im having an issue getting my Early Warning Sevices Consumer Credit Report. I want Early Warning Services to mail me a complete copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Signed a contract with XXXX XXXX XXXX XXXX to do work shortly after XXXX XXXX, and financing was through their lender, Service Finance Co. LLC. The financing contract and work contracts were signed and approved on XX/XX/2023. Work was supposed to be started by XXXX on XX/XX/2023, but on XX/XX/2023 I received a call from XXXX stating that the permit to do the work was taking longer because of the hurricane. I had mentioned that I need to head back to XXXX to deal with things after my mom 's death, but could have someone at the house when they arrive if I can't get back when work starts. I was told that the work could be pushed out and that they would let me know if pushing until XXXX would cause me to not have my interest rate that was signed for. I did not received any information from either XXXX or Service Finance that they canceled my loan without my written or verbal permission. XXXX did the work and sent me an invoice on XX/XX/2023 saying to pay the amount or contact them for financing. That was the first time I ever heard that I no longer had financing, and would not have gone through with the work if I did not have the same loan terms that I signed the contract for. At this point XXXX is blaming Service Finance and vice versa for being the ones at fault. At this point Service Finance offers me a new finance rate of 9.99 % when originally it was 6.99 %. I feel I have been mislead by both companies at this point, and neither company is accepting some blame and working with me. The rate hike would now cost me an extra {$5500.00} in interest.

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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple has denied me extensions of a credit limit increase because of XXXX late payment out of XXXX years of on time payments had a financial impact from covid and i fixed the problem paid {$880.00} to credit and received no benefits nor increased of my credit limit and denial of my credit is unacceptable and unlawful under 12 CFR 1002.4 regulations b ECOA cant deny me credit is discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was advertised on the flight, AA Barclays credits card and was told that if I apply the credit card on flight, I will get 50,000+25,000 miles which I can use in the year. But I was told to apply in the flight or I will not get the offer. 

Not only I found that there was no urgency as it was a standard offer that AA gives, they also did not give me any of the miles. Then I called XXXX XXXX who told me to call Barclays. It was a hard hit on my credit. 

I called Barclays and they said it was my fault. After long discussions, I told them it is a deceptive practice and to file the complaint, but they refused to do so. After pressing them, they only decided to file the complaint that it was air hostess fault - regardless that credit hit was done by Barclays and it was official venue of advertisement. 

This is a very predatory practice and complete violation of rules to stop such predatory behavior from lenders. But I feel that regulations are not being applied properly in Barclays case.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Funds in the amount on XXXX taken out of my account fraudulent. Been over 180 days of investigation and the bank still saying they have not found cause to refund the money that was taken back in XXXX. Sent records of screen shots of purchases that were made without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX Pacific Time I authorized a wire transfer of {$25000.00} to my XXXX XXXX XXXX  account in XXXX where I was combining funds to purchase an apartment. 
WIRE CONFIRMATION # XXXX Wells Fargo accepted my wire instructions but flagged it is " fraud '' and failed to send the money. This, supposedly, based on a notation next to my account that the bank needs to verify all my wires. The bank failed to verify the wire and just allowed the matter to sit. 

I finally called the bank on XX/XX/XXXX ( my time ) and after hours of trying got to customer service I was connected to the " Fraud Detection '' department which said the wire had a hold and that bank sent me messages to 2 of my phone numbers on record .... I received no texts or messages from the bank and my phone records can prove it. Had I not spent hours trying to reach the bank the money would just sit in the account. Money is still not wired as I write this. 

When I finally did reach the bank and confirmed my identity and the fact that money was going to me, the Bank demanded to know what the money was intended for and treated me as if it was the bank 's money which I was managing and not my own. Wire is still on hold. 

In the delay I lost an opportunity to purchase an apartment at a lower price. I want the bank to pay punitive damages to the government entity which supervises it and to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following credit cards and credit card accounts currently listed and showing on my XXXX and Equifax credit report are lost/stolen 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I made a credit card payment to Wells Fargo via electronic transfer from my primary account in the amount of {$13000.00} on XX/XX/. It cleared my primary bank on XX/XX/. My on-line accounts shows the transfer, however, I am unable to use my credit card due to " insufficient funds ''. I have called Wells Fargo multiple times and am getting the run around. They have told me that they put a " hold '' on the payment amount because it was a large payment. It is now going on the 3rd week that they have held these funds. I finally got a ticket generated after 3 calls. The 4th call I was told that they would have it cleared up by XX/XX/, another 10 days, 28 days total. I checked with my primary bank and was told banks have 24 hours to post electronic payments under XXXXegulation E. I believe Wells Fargo is committing fraud and using my money in other investment accounts and not posting my payment to my account. I'm sure I am not the only one this is happening to.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( XXXX and Transunion ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. 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 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX  I have noticed unknown charges on my account on a card which I havent used or activated. 

The first charge was 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 2023-12-04 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: TX

Complaint narrative:
Kindly eliminate this incorrect account from my credit report. I never provided permission for its creation or utilization. Enclosed are the documents supporting my assertion.

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 2023-12-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a CD account for XXXX for XXXX months at Chase Bank because I saw the advertisement that said the interest rate was 5 %. I opened it through the app, but after I opened it, I noticed the interest rate to be only 3 %. So, I got confused and contacted Chase Bank. The banker answered my phone and told me that the interest should be 5 %, and the app might be delayed. And he calculated how much money I could probably earn through this CD : XXXX % * ( 3 months/12 months ). 

Later, as the three-month approached, I found that the interest rate shown on my app was still 3 %. So, I got Chase Bank again to request more information. This time, they said the interest rate was always 3 % and had never been that high. I told them what the previous banker told me before, they said that I could provide no evidence for what the previous banker said. I was so angry!!! Do I supposed to record all the phone calls from them??? I mean it is okay if the interest rate is 3 % originally, but it is definitely not okay if they fooled me. I filed several complaints but never heard back any positive results. Everybody from Chase acted as if it was none of my business. Nobody even apologized for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : 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 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 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 explanation
Consumer complaint received 2023-12-04 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Had a XXXX XXXX in XXXX and the first XXXX we saw charged us over {$18000.00} in advance for a XXXX XXXX which we cancelled within one hour after we suspected this doctor was not reliablehe actually separated my wife and me and told her I would die if this procedure wasnt done immediately after which she gave him 2 credit cards which he charged on two separate processors ( red flag ) We found a second more reliable honest doctor that did procedure the next morning I provided documentation to Chase confirming the actual procedure as well as other items and for over 2 months fought with the dispute department after which they ruled in favor of this fraudulent doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
last month i walked into XXXX  XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
last month i walked into XXXX  XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I have closed on my house on XXXX  XX/XX/XXXX and have made multiple attempts to contact My Loan Care ( my current mortgage holder ) to obtain the payoff request. My initial request was on XX/XX/XXXX and was unable to get a hold of anyone in the company. I then was able to make a formal request via their website on XX/XX/XXXX and have yet to hear anything. I have not been allowed the full amount of the sale of my residence because of this. I need this money to close on my purchase and am being held up from doing so. I called today, XX/XX/XXXX, was on hold for XXXX minutes, only to talk to someone who said that they were unable to provide me with any answers or timeframe. I then asked to speak with a supervisor and they stated that they were unable to send me to one. 

This has now become a hardship for me and my family and is costing me interest and the ability to close on my purchase.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX has 2 unauthorized credit inquiries on my Transunion credit report. I did not authorize these 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX has 2 unauthorized credit inquiries on my XXXX credit report. I did not authorize these inquiries.

Company response to consumer: Closed with explanation