vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXXXXXX XXXX XXXX  account XXXX ( XXXXXXXX XXXX  ) XX/XX/XXXX for the amount in {$1200.00} ; PHOENIX FINANCIAL SERVICES LLC account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX XXXX  XX/XX/XXXX for the amount of {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, 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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX - The Law Office of XXXX XXXX XXXX agreed on a settlement arrangement on XX/XX/XXXX. 

The Balance at the time was {$7400.00} and settled for {$2900.00} in payments. First payment due date was XX/XX/XXXX and the final payment due date was for XX/XX/XXXX. All payments were sent through regular mail and all were cleared/cashed by Wells Fargo XXXX However, the account is still reflecting as past due and delinquent even though it should be reporting as a {$0.00} balance and paid for less than the full balance. 

We've tried to clear this up with Wells Fargo but we had no success in resolving this issue.

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 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I received XXXX emails from XXXX persons from Zelle. I sent back a response email to cancel the transaction because I did not authorize it. 
After the second email, I called the phone number in the email XXXX XXXX XXXX and talked with a XXXX @ XXXX pm for XXXX min. Spoke with XXXX, because the call did not go through he first time. 
XXXX told me that someone was trying to send me funds and wanted to know the name of my bank. I told him that I would not give him that information. 
XXXX emails from XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX I can send copies of the emails. 
I do not remember having a zelle account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Received two letters from Bank of America today- who I have never banked with. 

One of them stated that problems with my application for a XXXX XXXX XXXX and I needed to call and verify information. I have never applied for credit card with them. 

The second letter from Bank of America is a bill for {$75.00} on a XXXX XXXX XXXX issued by XXXX  XXXX XXXX. I did not open this account nor do I owe anything to Bank of America. 

I called BOA and after 30-40 min wait, they took my info, assured me that they are fraudulent and said I needed to speak with their fraud dept. They then placed me on hold again - one hour plus and no one would ever answer.

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
Hello, On XX/XX/XXXX, I received a charge on my Chime checking account for XXXX from XXXX. I saw this charge and money deducted from my account. I canceled the service, and was promptly initiated a refund from XXXX. The charge was erased from my Chime checking account, but my money was not refunded and my balance did not return to normal. I waited a full ten business days to contact XXXX, and have had three different representatives tell me that the refund was processed to my Chime checking account. I have been chatting with Chime representatives for a week, and have received a variety of different answers. Different representatives have messaged me without even reviewing the case, assuming I'm talking about a charge that I have not even referenced. One representative told me to look at my statement, and if the charge/refund were not on my statement, she would help. Two days later, a different representative messages me and tells me that " this was not an actual refund, so I was not refunded any money and the charge was dropped from statement. '' I have gone back and forth with this representative to express that this isn't the case, my money was taken out and not returned. I am now out {$100.00}, without a solution. I have never filed a formal complaint against a bank and am always ready to admit when I misunderstood something, but I keep close track of my account. I had money deducted, and it was not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I entered a forbearance plan with Citizen XXXX XXXX due to covid. My forbearance plan ended XX/XX/XXXX and I was told in order to resume making payments I had to fill out a loan modification form so my payments can be moved to the back of my loan. I submitted the application on XX/XX/XXXX. I was verbally told that i was approved and a notary will be contacting me so I can sign the documents needed to finalize the modification. I did not hear from anyone so on XX/XX/XXXX I called regarding my modification. I kept getting the running around and requested to speak to management and I was told I would get a call back and no one ever called me back. I kept calling each day until someone finally advised me I was denied due to a lien against XXXX XXXX. I advised I have no liens against me and it must be a mistake. I escalated this matter to the XXXX  and XXXX XXXX from the chairman 's office reached out to me to advise me more of the specifics of the XXXX. I advised it is mistaken identity as that person is not me. I have submitted numerous documents proving that I have no liens against me or my home provided by my local county clerk 's office back in late XX/XX/XXXX, again XX/XX/XXXX and then once more on XX/XX/XXXX. I still have yet to hear from anyone in regards to a resolution. On XX/XX/XXXX I received a letter that my loan is now in default and they will begin foreclosure process if a payment in full is not received by XX/XX/XXXX in the amount of {$24000.00}. I was told by the chairman 's office on XX/XX/XXXX that this will be investigated and everything will be on hold until the investigation is complete but they are moving forward without resolving this mixed identity issues. It has now come to the point that my anxiety levels and stress levels have increased tremendously that I had to get my medication increased and I am under constant monitoring due to me being XXXX weeks pregnant. Citizens Bank is now refusing to provide me with any information when I call and not responding to calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I signed up a 6 months commitment with XXXX XXXX. During one of the training sessions, I hurt my knee. Informed the Instructor immediately and seek medical attention. I was ordered by my doctor to cease physical activity and I did. 

The commitment period ended, I paid for all 6 months and called to canceled. They asked me why I was canceling and explained the situation. I was asked for medical documents by I did not feel comfortable sharing my medical information with a stranger. 

XXXX XXXX not only did not cancel my membership, but they auto renewed. I called my bank to cancel the credit card and XXXX XXXX charged my new credit card, without my consent and without me providing the new credit card information. 

the letter they sent states I had to dispute the charge before XX/XX/XXXX nd. I submitted a certified letter dated XX/XX/2022 disputing this debt, requested proof of debt and they First Credit Services failed to present evidence that I owe the debt. 

I am requesting this dispute to be investigated and corrected by removing the derogatory remark from my credit report and reversing this charge that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX, I paid my rent payment through the company 's online portal. the payment went through on Wednesday. It was in the amount of XXXX. I checked the account after making the payment, and saw it was processing through my Bank of America checking account. The next morning, I checked the bank account ( as I do every morning ) and everything was fine. The next morning, on Friday the XXXX, I saw that Bank of America had processed the same payment a second time, making my account severely overdrawn. The transaction numbers on both transactions- are identical. I first contacted my local branch, who assured me the matter would be resolved. He never contacted us back or made any effort to resolve the matter. We went into the bank the following day - as well as contacting the customer service number on the back of the card - both parties told us they needed to wait until Monday ( the next business day ) to resolve the matter. On Monday, neither of the offices contacted us regarding the problem, so I called the customer service number again. This time, I was told it would take up to 90 days to remedy their error. I had already provided proof that I did not authorize the transaction, nor did the merchant ( my landlord ) receive the payment. My landlord has also been in contact with the local branch to reiterate that information, and provided them with such documentation. This is clearly an error on the bank 's behalf ( especially considering the transaction numbers are identical ), but they refuse to accept accountability. Due to this, I have been unable to conduct business with my current customers or accept new clients. My life- and my family 's life- has been made to suffer. And several payments are now past due. The bank even returned a credit card payment I made on the same day of paying my rent ( there was enough funds in the account to cover both ... until they ran it a second time ). Now, I have a returned payment fee from them, a late fee and they are threatening to close the account. Meanwhile, my bank wants to do nothing but tell me to wait and be patient and 'apologize for the inconvenience '. Please help me get this matter resolved. 
Thank you.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I just want my PayPal to be reactivated. I am appealing that I don't have any violation regarding their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX overcharged for a car rental. Contacted XXXX who claimed they would fix the error and credit back to the credit card but they never did. I submitted a dispute online with the credit card company, Citibank, but realized after I had submitted it I needed to change some of the information regarding the dispute. The only option available on the website was to withdraw the dispute, which I did, assuming I could simply resubmit it with the corrected information. But that was not an option. I called the credit card customer service and explained the situation but they just mindlessly regurgitated their horrible policy that you can only dispute a charge one time, regardless of the fact that it was only in the system for less than 5 minutes and absolutely no action was taken on their part from the dispute. I asked for a supervisor who also regurgitated the policy and basically was told to go pound sand. I don't see how this can be legal or ethical when I as the customer am telling them I want to dispute the charge but they won't because of their stupid policy.

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 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received Loan funding from U.S. Bank for a vehicle on XXXX in the amount of {$4500.00}. 
After weeks of no paperwork from U.S. Bank I went to the branch as was told to go get a 45 day tag, After that expired I was told by the branch to go buy another that the sellers XXXX XXXX had sent the payoff amount to the agency in the sells name and that it had to be reissued. On another trip to the branch i took them a copy of a letter from XXXX XXXX ( the sells agent ) dated XX/XX/XXXX that the title had been released, I was told again that it would just be a fem more days for U.S.Bank to get the title and registration, plates, A month after that letter, with nothing but runaround from the local branch i called the XXXX # for XXXX bank around XX/XX/XXXX, the XXXX # called the branch and then told me the branch said it could be up to XXXX more days, on friday the XXXX I started a e-mail chain with XXXX XXXX XXXX Customer Solutions Specialist | XXXX XXXX XXXX XXXX XXXX XXXX who also spoke to the branch, specifically XXXX, and was told by XXXX, XXXX that XXXX would be going to the XXXX on XXXX today '' the XXXX to get the title, I have not heard from the branch, even after asking for the XXXX # to have the branch manager contact me, I have not heard from XXXX and I have not heard from XXXX XXXX XXXX which leads me to hope that you can help me get the Plates, tags and registration for a vehicle that I can not XXXX XXXX and have made 3 payments on, my XXXX will be due on the XXXX of XXXX and I would like to know how I can put my payments into escrow until U.S. bank has supplied me with all the items listed above. 
Thank you 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 2022-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was XXXX as a result, and I received a letter as well as about {$50.00} settlement amount. XXXX XXXX XXXX XXXX XXXX is attempting to currently collect the debt that was settled in the class action lawsuit against Ally Financial and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on 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 2022-05-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CO

Complaint narrative:
My mother made the payment on my discover acct. The odd thing was it requested the payment be processed thru my XXXX XXXX XXXX XXXX checking acct ending in XXXX we paid XXXX XXXX then XXXX mths later we get notification of missed payment. said balance of XXXX, when we did it only showed her XXXX XXXX XXXXXXXX XXXX checking acct ending in XXXX. Its reporting a missed payment when we have never missed a payment and it has dropped mmy credit rating from XXXX to XXXX for XXXX missed payment. I would like this missed payment removed from all credit files. My mother had 100 % payment history for 7 years and now this dropped her from 100 % pymt history to 99 % and has negatively impacted my credir and hers. they can pull up XXXX XXXX ssn XXXX and see she has never missed a pymt as well with tthem. This is an error on behalf of discover

Company response to consumer: Closed with explanation