vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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 XX/XX/XXXX, two unauthorized charges were made of the amount {$860.00} and {$860.00} ( totaling {$1700.00} ), both for " PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CARD XXXX. '' I did not authorize these charges and was NOT in XXXX XXXX. I received an email at XXXX CT that these charges were made and called Wells Fargo approximately 15 minutes later on XX/XX/XXXX to report this unauthorized charge. Wells Fargo mislabeled the issue as " Don't remember this transaction '' and I called Wells Fargo claim department again on XX/XX/XXXX to follow up so that I could clarify that I never made the transaction in the first place. In my statement, I specifically stated that I did NOT have the card with me in my possession when these transactions were made. Finally, XX/XX/XXXX the claim was closed and I was not given back my funds. In the process, not once did they reach out for questioning or more information. I called on XX/XX/XXXX to request the claim be reopened and was told simply that the purchase must have been authorized because the chip was used. However, the card was NOT in my possession when the purchases were made, I was not in XXXX XXXX, and further, I contacted XXXX and individuals of the age of XXXX are NOT able to rent a car from XXXX in 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 my chime account was closed by chime, stating that I didnt follow the policy rules still not sure what Idid wrong, I never deposited anything fraudulent in the account you can also see that, I had transferred money from my cash app to my chime because I always do, my tenants from my apartment pay me rent via cash/chime/XXXX I had XXXX.dollars in my chime account and chime closed it and will not give me a refund on my closer check, I have provided my documents everything they asked for I provided it and they are still telling me I can not get a refund, different agents are giving me different ticket numbers and it is just all over the place, my money is just sitting there and I think they have blocked my number to call them and get any updates I have sent every utility bill, birth certificate, debit card, front and back of my id and a statement of what happened and they still wont give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am doing this report because it was many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like be removed. 

I unaware of this account and the collections are reporting in my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: BOEING EMPLOYEES' CREDIT UNION
State: MO

Complaint narrative:
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Boeing Credit Union in order to get the issues cleared up. Boeing Credit Union has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Boeing Credit Union seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Boeing Credit Union ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
We received a notice in the mail stating our property is located in a flood zone and that we are required to purchase flood insurance, and that a flood insurance plan has already been purchased on our behalf by the mortgage company, and we are expected to pay them for it unless we replace it with another policy. According to XXXX, the state of Georgia, and the city in which we reside ( XXXX ) our property does not lie in a flood zone. We have reported this information to the mortgage company, and they have stated that according to their system our property does lie in a flood zone. We have already emailed them proof from the flood zone map on FEMAs website. We do not appreciate their attempt at insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX : XXXX Company does not have a license to collect in my state and they are trying to collect on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have not used my Capital One XXXX for XXXX XXXX before using my card on XX/XX/XXXX. I never received a bill. email, letter, text, or telephone call advising me that my payment was due or past due from XXXX to XXXX. My Alerts that I set up XXXX XXXX  prior failed to work. I did not notice I owed for this card until I tried to activate my other Capital One XXXX  on XX/XX/XXXX. I noticed my account was past due and immediately made a XXXX payment on XX/XX/XXXX and XXXX on XX/XX/XXXX. I called Customer Service to tell them what had happened and the Customer Service XXXX XXXX said the same thing had happened to her and you have to update the app once in a while but she can not do anything about it. I sent a letter to Capital One on XX/XX/XXXX and they never responded. I sent another letter to Capital One on XX/XX/XXXX and they finally responded. They sent copies of internal billing statements which I never received in XXXX and XXXX and they admitted that mistakes happen if you do not use your credit card much. I asked Capital to remove the XXXX  late mark on my credit report but they refused. I asked them to delete my account from the credit reports but they refused. They reduced the credit limit on both accounts XXXX from XXXX to XXXX and the other from XXXX to XXXX I have had this account since XXXX and I have never been late. My XXXX Credit Report was XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am in between jobs so my account does not have as much cash as I wish it did in it. Apparently, Wells Fargo changed my account a year ago to some different kind of every day checking and it gave me a 12 month break from service fees, all of this was done without my knowledge. Then, monthly service fees just started last month I got charged on the XXXX, when my account was close to empty and the monthly service fee, put it in danger of getting an overdraft charge, yesterday I went to the store had {$4.00} in my account bought something for XXXX dollars and wake up this morning to my account saying its overdrawn because apparently a monthly service fee was attached to my account yesterday, the XXXX, which I didnt see and couldnt see until this morning. The inconsistencies of date when the charge is attached and of them changing my account without acknowledging it, and letting me know until I inquire about it is just completely unacceptable to me and with XXXX XXXX history, Im wondering how many other people are in my similar situation. How many accounts does Wells Fargo tap and take money off the top of when the customer needs it the most. There is a reason people dont bank, it is a scamthey profit off of your money and charge you to do so. The way you know its a scam is theyre willing to give you your money back every time you complain about the monthly service fee, they know themselves that it is not their best look.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2023, at XXXX, I purchased a Vanilla Gift Card from the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I purchased the card for {$5.00}, and a cash deposit of {$500.00}, totaling XXXX. When I returned to my home, I attempted to activate the card as instructed on the receipt. I noticed that the card was damaged and could not be activated. I also noticed that the 3rd set of numbers were crashed off ( XXXX XXXX XXXX XXXX ). I immediately contact the XXXX store to explain the situation. I spoke with the store XXXX, and she informed me that I could not return the card to the store, and that I would have to contact the Vanilla Gift Card Company to resolve my issue. On XX/XX/2023 I contact The Vanilla Gift Card Company at the telephone number provided on the back of the card ( XXXX ). The person I spoke with informed me that I would have to wait, because they will have to do an investigation. They instructed me to send them a copy of the Gift card, a copy of the purchase receipt, and a copy of my drivers license. Then they gave me a case number : XXXX. I have made numerous phone calls and sent numerous emails for updates on my case. The only answers that they would give me was that the investigation is on going. On or about XX/XX/2023, I contacted theXX/XX/XXXXXXXX, XXXX IL XXXX. They gave me a file number : XXXX. They forward a letter to The Vanilla Gift Card Company, and to me as well, but as of this date they have not received a response to the letter from the Vanilla Gift Card Company. The Law Office referred me to you. I still have the original receipt and the damage card, along with the package that the card came within.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate

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 2023-08-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
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 a147.3K open end consumer credit plan as late for a purpose.

Please remove before this is illegal and I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Silverman Theologou, LLP
State: DC

Complaint narrative:
I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( XXXX  ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I'm filing a complaint against PHH Mortgage, the parent company being OCWEN as I understand. I received a letter from PHH dated XX/XX/XXXX as I do annually from PHH for my condo office to submit the Master Insurance Flood policy for our building for which the condo office always send promptly. They actually sent it twice as they initially said they didn't receive the insurance policy. The last submission by the condo office was sent XX/XX/XXXX. Our condo office complied with the statewide increase in Flood Insurance by giving us a Special Assessment over a year ago for each unit owner to pay thousands of dollars extra for the new statewide increase for Flood Insurance for which I paid. Last year it was fine when PHH received the new Master Flood insurance policy from our Condo office. There has been no other increase in flood insurance for this building as the office would notify us. Now all of a sudden, this year PHH wants to Force Place Insurance on me and other customers. The PHH letter on XX/XX/XXXX states the deficient Coverage Amount is XXXX. This makes no sense that our condo building would not be compliant and it needs to be investigated. Besides, I live on the " XXXX floor '' of my condo building and have never had a flood. This issue has come out before with insurance and mortgage companies trying to do these unprofessional things with customers in condo 's filing complaints as I read, especially for owners on floors higher than the XXXX floor it was over turned and these companies were not allowed to these unethical things. Someone needs to notify PHH of this. I contacted the FEMA Insurance office today XX/XX/XXXX and explained the situation. They felt PHH was " over stepping their bounds '' with asking for money for more Insurance coverage from me when my condo office for the 2nd year has submitted proof of increased full Flood coverage regulated by the state of FL and PHH has this Master Flood policy on file. FEMA Insurance dept., asked me to immediately contact FFIEC and have this examination council to check into PHH mortgage practices. I told the FEMA office I would do this as well as contact your office to file a complaint. As you know from experience going back before XXXX, these Mortgage companies and Insurance companies have both conducted some shady operations with their customers and this one defiantly doesn't seem to be legitimate to me. I am hopeful you will send a letter to PHH or direct me on how to handle this with your support to show the filing of this complaint. Please let me know in the best way possible what to do with PHH Mortgage. I look forward to your reply. Thank you.

Company response to consumer: Closed with explanation