vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
i found that somebody had been making charges on my debit card for approximately XXXX dollars i contacted the bank they stopped my card and started a new card out to me and started a investigation during this time they sent me a temporary funds to my account after about 2 weeks they said investigation showed that about XXXX was fraudulent but the rest was not the answer was that the online merchant which was a casino said they had my email address and name attached to the charges i asked the banck for this infor which took them roughly a month to get the ip addresses do no come back to me plus i had a black web scan done through XXXX  credit that came back with all my personal information on it i sent the info to the bank fraud department the still wont call me back this has been going on for about three months now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -DEPT OF EDUCATION/XXXX XXXX XXXX date open XX/XX/XXXX ) -DEPT OF EDUCATION/XXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent in documentation upon the double charge. The bank was sent different receipts and proof upon my account upon a fraud case. And continuing to tell me that my proof isn't readable when it's the company name, my signature etc. And continuing to ask for a debt to be paid that's wrong on yall end. I have been going through this for a few weeks. I'm unable to pay my bills etc. I have kids and responsibilities and to call me asking for money that the case been closed for months and snatch it out my account is wrong. Everyone talk messabout this bank and I see why now. The transaction was for XXXX and XXXX and dated on XX/XX/21 from car rentals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Description of Complaint : This is about a lightly used credit card. I accepted an offer on XX/XX/2020 to transfer {$5700.00} in balances from other credit cards to my wells fargo card ( and pay a {$230.00} fee for doing so ) in exchange for no interest for a year or so. On XX/XX/XXXX, I made a {$3700.00} payment ( no purchases in the mean time ) because we were purchasing a house and I was advised that making this payment would significantly reduce the interest rate on my new home loan. My remaining balance was {$2200.00} with minimum required monthly payment of {$25.00}, which was set up on auto pay from my bank account. I was not aware of the interest charge because the account is set up on auto bill and I was not using the account. Later this summer, my wife inadvertently charged our lawn mowing service to this card. l immediately contacted Wells Fargo to determine the amount of payment I needed to make to continue to avoid interest and they could not tell me. It was then that I discovered they had been charging me interest since I made the large payment in XXXX!!!! I have made payments and they continue to charge me interest. Called several times, keep getting put on hold and hung up on. No one can even tell me why this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I received an email from Wells Fargo letting me know they were closing my deposit account. I initially thought the email was spam, but I do have a credit card with Wells Fargo so on XX/XX/2021 I called to inquire as to what the email was in regards to. I was told that a deposit account was opened approximately the first part of XXXX and the fraud department flagged it, then decided to close it. Upon further investigation with Wells Fargo it was discovered that Wells Fargo had linked the fraudulent bank account to my credit card since the SS numbers matched. This fraudulent bank account was opened with the wrong information but since the SS numbers matched they linked them together. Wells Fargo put a hard hold on the checking account on XX/XX/2021 but also restricted my credit card so I was unable to use it and also unable to close the card and have a new one issued. After several days of trying to get to the correct department at Wells Fargo to get the restriction lifted on my credit card I was able to reach them on XX/XX/2021. I asked them to lift the restriction on the credit card, when they did, they also lifted the hard hold on fraudulent bank account since they were linked together. At that time I requested the credit card and fraudulent bank account be closed immediately. I was told if I closed the credit card with Wells Fargo I would not ever be eligible for credit with them in the future. That's perfectly fine with me, why would I? I spent in total over 6 hours on the phone with Wells Fargo trying to get this rectified. I have been told the card is cancelled and the fraud report can take up to 30 days to clear. They said I will receive notice by mail once all is settled. I have filed a police report as well froze my SS number and placed fraud alerts at all 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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 dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I was on forbearance with Chase which expired in XXXX, they didnt go over my options until no that is over. My understanding was that my unpaid payments could be added at end of my mortgage, until now they are also telling me that my mortgage is a 40 years I didnt even know that from my modification I did over fours year ago. They never advised me or send any documents only a letter stating I was approved and my new mortgage payment. They are asking for me to pay {$13000.00} upfront after exiting forbearance I advise them I cant afford this amount and why cant they just work with me making double monthly payments until I pay forbearance amount off. I just started a new job in XXXX and can afford making double mortgage payments. They dont want to work with me at all. Please advise, I dont want to lose my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
ACCOUNTS LISTED ON MY CONSUMER REPORT FILE THAT I NEVER OPENED OR USED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
ACCOUNTS LISTED ON MY CONSUMER REPORT FILE THAT I NEVER OPENED OR USED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
Third party not involved, On XX/XX/2021 I received a letter in the mail from Nguyen| Ballato Law Firm stating that I owe an alleged debt of {$77.00} plus attorney fees of {$25.00} totaling to {$100.00}. I sent out a letter requesting that Nguyen|Ballato provide me with documents stating that I owe this alleged debt, who gave Nguyen the right to have my information and collect on this alleged debt etc etc. 

My Consumer rights and my Rights to Privacy have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today I went to the JPMorgan Chase Bank branch at XXXX XXXX, in XXXX zip code XXXX, to complete the transfer of funds from the decedent account of my mother to an estate account for her assets, as I was appointed by Surrogate 's Court of the State of New York XXXX  County as voluntary administrator of my mother 's estate, and upon presentation yesterday of the court issued certificate for permission to open an estate account in NY and a letter of confirmation from the IRS of the new EIN, a new estate account was created but I was told the bank puts a hold that takes a few hours to clear, so that today I went back to this branch to have the funds transferred into the new account, as wherein a certificate states " JP Morgan Chase Bank - RELEASE DECEDENT 'S FUNDS '', and a personal banking representative went to a teller to present slips for withdrawal from the decedent account and deposit to the estate account then said that the teller sent a texted code to the cell phone number, which in the bank 's file as my contact number and when I said that I don't have my cell phone with me now, she went back to the teller who delayed me for 30 minutes doing whatever she was until I went to the window and asked her why is this transaction taking this long, she then handed the slips to me and said the transaction can not be processed unless I give the code that was texted. I said that I believe it is illegal for the bank to require an estate administrator to own a cell phone in order release the funds. She said that she can not do the transfer because the bank 's system does not let her do so without the texted code. I went back to my home to get my cell phone and saw that the text message from the bank had been sent 44 minutes earlier and said the code is good for 10 minutes. I returned to the bank and the teller processed the transactions without asking for the code or sending a new code to my phone. She said because I clicked the text it could be processed. I had clicked on the text while in my home, she did not see me do that. That is not effective security either as the phone could be lost and it was unknown to her who clicked the text. 
I ask this agency to investigate as to whether it is illegal for a bank to impede the release of funds to an estate administrator by imposing a requirement that an estate administrator must additionally own a cell phone and /or have a cell phone in working order, and /or cause delay to an administrator to have to retrieve a cell phone.

I ask this office to investigate as to whether it is illegal that the bank represents that it uses a texted code as required security but does not require the cell phone owner to recite the code and uses the code which is expired to process the transaction, based on that someone who is outside of the bank representative 's sight clicked the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I submit my mortgage payments to Rocket Mortgage electronically. In XX/XX/2021, I submitted the payment electronically but was told I used the wrong account. I was charged a late fee of {$50.00} TWICE ( XX/XX/XXXX and XXXX ) for a total of {$100.00}. The company stated the issue occurred in XXXX but I was not notified via mail nor did it show on up the electronic statement until XXXX, 2021. The total in fees was {$100.00}, and due to flaws in their online system I was FORCED to pay the fee with when paying my XXXX mortgage. I changed the checking account from XXXX to XXXX in XXXX, BUT I believe when the company updated their system in XXXX ( changed from Quicken to Rocket ) they changed it back to XXXX. Rocket states it was NOT their fault but rather their service provider XXXX. I asked Rocket for documentation which states a {$50.00} fee would be charged for 2 presentations of NSF electronic payment but as of today - XX/XX/XXXX, I have yet to receive it. Rocket told me to check with my bank but if the bank was XXXX, that would be impossible because that account was closed in XXXX. Rocket Mortgage does not have any information on Fees charged for electronic NSF on their website and I have requested that multiple times of the past 45 days. I feel the fees were excessive and the response and lack of fee documentation unacceptable, especially the 2 month delay in the fees appears on the electronic statement ( email communication went to spam and Rocket claims I entered the wrong mailing address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a wrong name and numerous wrong addresses on my credit report such as XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone numbers XXXX XXXX, XXXX, and XXXX XXXX, XXXX XXXX are not my names numbers or addresses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
XXXX XXXX I received this letter from this company about a debt that they perceive is owed, I sent them a letter stating that I want proof of this debt based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I sent the letter certified and they refused to accept and sent me back my letter of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started getting unemployment threw bank of America and my money was stolen out out my account I reported it filed a claim and reported to fraud bank of America was canceling my bank card and was sending cards out to someone else I reported this to them and they didt do nothing about it they continued sending them out and who ever it was took all my unemployment out of the bank I have been trying to get this problem yaken care of but bank of America keeps denieng my claims and will not investigate what happen and I never got my 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 monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a retail Chase customer, Ive had to bear the brunt of their recent policy decision to abandon email for account verification. Chase has chosen to ignore safe emails in favor of the dubious use of a phone for verification. Chase is apparently unaware that cell phone numbers are often fraudulently controlled by criminals, by means of spoofing, SIM swapping and gaining control over customer phone accounts. Chase is effectively encouraging increased fraud. In addition, not all persons have access to reliable phone service. There is no phone service where I live since there are no longer enough cell towers. Bad service affects not only rural locations, but increasingly urban ones too. By restricting customers to those with reliable phone service, Chase is discriminating. 
Based on data from XXXX XXXX, 82 % of XXXX Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of XXXX XXXX XXXX and only 71 % of XXXX XXXX have a smartphone. According to XXXX, only 74 % of people over XXXX own a smartphone. A phone or texting-based customer relationship cuts out at least a fifth of Americans ( XXXX XXXX ), and categorized by some groups, about a quarter ( XXXX XXXX Americans ). Chase shareholders, beware that you have an economic interest in a major US bank operating in all 50 states that uses its verification policy to discriminate based on race, age, and location of residence. 
Legislators and regulators need to heavily regulate Chase to prevent such harmful conduct. Its mindboggling in this day and age, but Chase is obviously managed by XXXX XXXX XXXX under the dual premise of high risk-taking combined with heavy discrimination. Unacceptable to customers and investors, and hopefully to employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.

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