vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am disputing a charge for new flooring in the amount of {$9200.00} the charge was made on my Wells FargoXXXX credit card. My claim ID is XXXX. The floors were not installed properly and never finished. When I submitted the claim I was told it would take 60 days to resolve. It has been nearly 8 months since I submitted my claim. 
Prior to submitting the claim, I allowed the company, XXXX XXXX, an opportunity to fix the floors and they wanted to fix it with a stain marked. This is not an acceptable solution as the marker doesn't last and will come off with the first mop. The floors are ruined and can not be fixed. The floors need to be replaced. Glue has cured into the grooves and has left a white haze all over my new floors. 
The claim was submitted with XXXX XXXX before the job was ever finished. ( Claim number XXXX ) The company has been given multiple opportunities to fix the problem but the only way this can be fixed is to replace the floors. All I am asking for is a refund and I will have a more professional company redo their mistake.

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 2022-01-31 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I demand deletion of this alleged debt formed from Identity theft!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted an online application for the Chase XXXX XXXX and responded promptly to two emails for further verification XX/XX/XXXX and XX/XX/XXXX. 

As instructed, I uploaded copy of my drivers license and recent utility bill in response to the first email and mailed a copy of my drivers license in response to the email received XX/XX/XXXX. 

I was also emailed five or times to review letters in my online account application. Prior to XX/XX/XXXX, none of the letters appeared in my online account. 

Per conversation with customer service, Friday XX/XX/XXXX, I was informed that my application was denied because the balance transfer I authorized with the application could not be verified. ( Verification was submitted two times ). 

With further discussion that Chase has issues with interfacing technology and that my application was not accessible to remove the balance transfer request, I was advised to submit a second application without a balance transfer. 

When I contacted customer service the following week XX/XX/XXXX, I was informed that the XX/XX/XXXX application was auto declined because the recent XX/XX/XXXX application was declined and that additional verification was needed. 

On XX/XX/XXXX the Relationship Banker at a nearby local branch transmitted imaging of my Drivers License and requested expedited reconsideration explaining the circumstances of the declined applications. The Chase associate he contacted advised that I would receive a decision in one to two days. 

A week later XX/XX/XXXX, the applications were still in reconsideration status pending further verification. Per conference call with the local Chase XXXX and the department he contacted, the mailed copy of my drivers license and the XX/XX/XXXX transmitted imaging of my drivers license were still not in my file. 

With resignation that all efforts to verify identity were exhausted, I notified customer service XX/XX/XXXX to discontinue any further consideration, that I was hereby withdrawing and canceling the applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do have 2 personal checking account with BofA in the second half of the year 2021 my employment stopped there is no income till now which is I face a financial problem from covid-19 one regular payment start hitting my bank there is no money it's been returned my bank start charging me {$35.00} for each transaction one of one of the accounts in XXXX of 2021 they took {$280.00} as fees they took {$640.00} in total from the 2 accounts in the year 2021 I called him too many times to resolve this problems they say in the best option for you to switch those accounts to a safe balance account which is you get no fees and will work in the face we charge you I did what they asking me for still there is no solution for the money they already took. And now they want to in the top of that close my account because it's have insufficient funds from a dispute I made for {$200.00} and they did not investigate that after the asking for the paperwork I didn't fax it for them so one of the account it's overdrawn because of the dispute money {$200.00} my fax machine telling me they received the paperwork on time I called and it said sorry we going to do anything at all so in the top of the 6:40 there is an issue with {$350.00} now as a dispute didn't want to do the job for it that's why I filed this complain hoping to get some help somehow I'm without job I don't have no money to pay them back in the top of that they want to destroy my name and close that account.

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 2022-01-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
HEALTHCARE RECEIVABLES G Opened XXXX {$370.00} I had this in my credit report which decreased my credit score. I was never aware of the amount. Debt collector never called me or mailed me. I just found out this recently. 

I called the XXXX health the primary health collector. They finally located the account which was under my infant account for service in XX/XX/XXXX. The bill was sent to my old address ( the new address was updated sometime in XX/XX/XXXX ). 

XXXX asked me to call the collection agency. I called the collection agency on XX/XX/XXXX and paid the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/22 I received an email from Experian in regards to a dispute I filed. The dispute was for inquiries I didn't authorize. ( Report # XXXX ) I read the report and the items I disputed were DELETED by Experian according to the report. I logged in to my Experian account to confirm that the inquiries had been removed but they were still showing up on my report. I called Experian and reported this problem. I was told it would take a few hours to update. 

On XX/XX/22. I called Experian to to inform them, the items they said were deleted were still showing up on my report. The agent told me I would need to purchase an Experian credit monitoring membership in order for them to update my account.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
i recived a letter on XXXX XXXX stating i had an outstanding debt to XXXX XXXX. I never received any corraspondance from this company. i have never had mobile service with this company. the letter is addeessed to XXXX XXXX i do not spell my name with an XXXX i believe this company has the wrong person or someone opened this account in my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
Around the beginning of XX/XX/2019 at about XXXX when i got home off work. My son in bed and as im about to lay down also i get a knock at my door. A random man asking to enter my unit claiming to be the maintenance that lives under me and my shower was leaking in to his unti. He stated i needed to open my door at XXXX pm at night to look at my shower to fix what was wrong. I absolutely refused because he couldn't identify himself, i didnt even run the shower to leak in to his apartment, and it was XXXX at night. Due to this indecent they are claiming i was late and tried to charge me for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

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 non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/2022, I called to make some corrections to my account the person on the phone picked up the phone took it off the hook, and I can hear the person working on the phone at the office instead of saying anything the person is leaving the hook off the phone. I have a I encountered this XXXX XXXX XXXX they usually do this often, I was a patient there somebody called and the person picked up the phone and left it off the hook and this is what U.S. bank is doing this morning time now is XXXX Am Central it reflects back on the company ah I demand apology for

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 2022-01-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: CT

Complaint narrative:
I was sent info to reduce my credit card payment and discover did not keep ther end of the deal and are still attempting to collet from me. but i made the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I had a bank account with USAA in which I no longer have access to do to fraudulent activity. There was almost {$5000.00} worth of charges to my account from overseas in XXXX XXXX XXXX I spoke with the bank and they told me that they worked along with their fraud department and came to the conclusion that I was being accused of being involved in the fraudulent activity of my account which I was not. I called the fraud department many times and got no answer. The case has been closed and I was told not only would I not get the remaining balance in the account, but that I owed the bank money as well. 
Also, my account was connected to my mother 's account with USAA as well and her account has also been frozen and she is also unable to remove her remaining balance. I believe that my personal information was somehow stolen, also a college that I once attended ( XXXX XXXX XXXX XXXX ) sent out letter later that year advising students that there was a hack in their systems and students personal info including name, addresses, and social security numbers had been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

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 2022-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have made many payments through the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that have not been applied to my balance. I have submitted an employment verification since 2015 when I enrolled in the program. I have upheld my end of the XXXX contract, yet I do not see that in return. 
I currently should have XXXX payments counting towards my XXXX program. The system shows only XXXX eligible. I am still paying undergraduate and graduate loans. I have worked in education for 20 years as a dedicated teacher. I earned a XXXX 's XXXX in Education in order to fulfill the requirements for certain positions. 
I have filed my taxes as a single individual, although I am married, just to keep my monthly payments manageable given my salary. I currently work two jobs to maintain financial stability. Saving for my own child 's education is quite challenging given the never-ending circumstances of the XXXX program not meeting the agreed-upon contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by CAPITAL ONE. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX closed account. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Date of issue : XX/XX/XXXX Wells Fargo Bank, XXXX. 
Check Number XXXX AMOUNT OF FUNDING {$13.00} " XXXX And XXXX/XXXX Dollars Originally my total amount, facts are suppose to claim a number of {$130.00} " Pay to the Order of : XXXX XXXX '' XXXX As soon as I realized that my account was still active and still running that I contacted XXXX and made sure that I got a refund request to them and I had to make sure that it get processed correctly so that was in my XXXX weeks to XXXX weeks that's not even from Wells Fargo so technically the account was supposed to be closed probably like 8 months and there's two account activity so same XXXX account but two different apps so it's considered two different policies two different accounts will XXXX pay so prior that of me requesting a refund XXXX actually contacted me first and implied that there were two accounts in my name with the same email because of the two different apps so one had the card and one didn't not realizing but I didn't approve of those purposes there was three different three four different purchases one was for like {$150.00} and then the others were no more than {$40.00} so regardless XXXX and XXXX cents still waiting get nowhere without having a XXXX  explanation what the XXXX XXXXs going on at least I XXXX  summary right cuz money we have to get put back into that account and then wherever it went from there I would want to see it deducted of a list that's why there's monthly summary reports all I ask is for a sheet of everything that has my name on it that has ever been processed into that system I have a investment package from a previous employer round table XXXX XXXX from XXXX XXXX it was initially put into my account signed by the owner himself and XXXX THEN JUST THE CHECK HERE THAT I HAVE XXXX AND XXXX CENTS THAT ORIGINALLY SHOULD BE ON THE CHECK BUT THERE'S I SIGNED IT BUT I WAS NEVER GOING TO GOING TO XXXX DEPOSIT IT CASH IT WHATEVER TRANSFER WHATEVER THE XXXX! I'M JUST CALL ME PATIENTLY WAITING SO NO ONE COULD SAY THAT I'M COMING OUT OF A PORTION WHERE THE ATTITUDE OR ANYTHING LIKE THAT CUSSING WHATEVER BUT MAINTAINING COMPOSURE THAT'S WHAT I GET PAID FOR SO BREAK IT DOWN

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