vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: Fay Servicing, LLC
State: NY

Complaint narrative:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: DC

Complaint narrative:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: DC

Complaint narrative:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I XXXX XXXX was not working during Covid, I got layed off from my previous job. At the time of moving in the apartment I told leasing office that. They told me since I was over XXXX I had to go on lease with other tenant I went on lease, he was primary. This is not even on his credit report. Its been brought to my attention that they approved him with fake documents and they didnt do verification process right so it should be removed from my report. I used my personal information to be on lease legally. Transworld systems is the debt collect that debt was sold to from XXXX at XXXX XXXX. They put debt on me because it cant go on his because his real social was no provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
company is forcing us to pay for a loan for goods and services we did not receive. 
company has now after 2 years, when they are aware the truck engine blew right after purchase are trying to force us to put full coverage on the vehicle or they will charge us more premium rates. continue to force us to pay late fees on a account that was fradulently created. they continue to steal from me and my XXXX kids.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: NC

Complaint narrative:
I am receiving a debt from State Collection Service, Inc ( debt collector ) on behalf of XXXX XXXX XXXX. My mom was in one of their facilities in XXXX, NC ( XXXX ) and died on XX/XX/2023. Her rent was paid in full and she had no outstanding balances when she died. They turned this bill over to collections saying i owe the {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. Wells Fargo Bank allowed fraudulent charges and owes me over XXXX for fraud.

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 2023-07-19 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: SC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Apartment was looted and flooded. Cards was taken and charge fraudently

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Apartment was looted and flooded. Cards was taken and charge fraudently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Apartment was looted and flooded. Cards was taken and charge fraudently

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Account was charged off by XXXX XXXX XXXX  while under XXXX XXXX. Alleged debt is incorrect as there are fees that are applied that contradicts the program agreement. True known amount of any outstanding balances are unknown. This account has unauthorized charges, inaccurate account fee ( XXXX ) and was under dispute and protection at the time the account was sold to the alleged account buyer LVNV Funding LLC. 

I DO NOT OWE WHAT THEY ARE ATTEMPTING TO COLLECT. LEGAL DEBT OWNERSHIP DOCUMENTS HAS NOT BEEN PROVIDED. LEGAL CHARGE OFF DOCUMENTATION FROM ORIGINAL ACCOUNT OWNER HAS NOT BEEN PROVIDED. LEGAL DEBT BUYER OWNERSHIP NOT PROVIDED. 

I WILL NOT BE BULLIED INTO PAYING AN ACCOUNT THAT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Company keep charging NSF Fees Which is putting me more in debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: SC

Complaint narrative:
Subject : Explanation of Credit Report Blemish Due to Identity Theft : RE : First Progress Credit Card XXXX First Progress Credit Card XXXX I hope this letter finds you well. I am writing to explain a blemish on my credit report that has resulted from identity theft. I have been diligently working to resolve this matter and have taken all necessary steps, including filing reports with both the Federal Trade Commission ( FTC ) and the local police, as well as submitting proper disputes to all the credit reporting companies. Delete the account ASAP. 
The identity theft incident occurred when an unauthorized individual accessed my personal information, including my social security number, address, and other sensitive details. As a result of this breach, fraudulent accounts were opened without my knowledge or consent. I immediately took the following actions to rectify the situation : 1. Filed a Report with the Federal Trade Commission ( FTC ) : As soon as I became aware of the identity theft, I promptly filed a report with the FTC to report the fraudulent activity and obtain an Identity Theft Affidavit.

2. Filed a Police Report : Following the FTC 's guidelines, I contacted the local police department to file a formal report regarding identity theft.

3. Submitted Proper Disputes to Credit Reporting Companies : I have submitted detailed dispute letters to all the major credit reporting agencies, explaining the situation and requesting the removal of the fraudulent accounts from my credit report.

4. Enhanced Security Measures : To prevent further identity theft, I have enhanced my security, such as freezing my credit, implementing two-factor authentication, and regularly monitoring my financial accounts.

Delete the account immediately.

Delete the account ASAP. This account is constantly changing the Payment information, and its currently reporting inaccurate.

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: AR

Complaint narrative:
On XX/XX/XXXX I deposited my amended tax refund check from the IRS. This was a check that I had spoken to the IRS several times about and was expecting..my amended taxes had been accepted by the IRS on XX/XX/XXXX XXXX The check was in the amount {$4600.00}. I used Chime Mobiles check deposit and followed all depositing information. The check was accepted and deposited into my account. I then laid down to take a nap and when I woke up I had an email from Chime stating that my account had been closed and I had no access to my funds. I reached out to Chime for XXXX days by both email and phone and did everything that was requested of me. I provided my DL on front and back, my social security card, a utility bill, my tax transcript, a copy showing where the IRS has accepted my return. I even provides the letter I received from the IRS stating I had a refund coming. Chime requested 7 times this documentation and 7 times I submitted and on XX/XX/XXXX I received an email from Chime that my documentation did not meet requirements and they were closing my account and I would not receive my funds back. I was told because of security that could not tell me why or discuss anything but that I needed to reach out to the issuer of the check to see who the check was Intended for and who the actual payer was. So, on XX/XX/XXXX I called the IRS, who verified the check was sent by the the US Treasury as a federal tax return and I infact was the correct payee as the check said. Since then, I have received nothing from Chime. Chime closed my checking, savings, and my credit builder card and will not allow me access to any of these. They also will not give me any account statements for records or Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.

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 2023-07-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
For my Navy Federal credit card, approximately six months ago, I experienced fraudulent activity on my credit card. This occurred due to someone hacked into my computer and signed into my Navy Federal account. They then took a cash advance from my credit card and transferred the cash into their external XXXX XXXX XXXXXXXX account. 

This transaction resulted in my credit card having cash advance monthly interest charges. This has been brought to Navy Federal 's attention three to four times each month when the interest charges posted to my credit card. I have submitted three to four monthly credit card disputes to include email correspondence to Navy Federal. All efforts to have the interest charges removed and to resolve the issue have all been unsuccessful as I have not received notification, updates or status of all of the disputed transactions. And the last interest charge posted to my credit card on or about XXXX XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: NY

Complaint narrative:
On XX/XX/2023, a XXXX balance showed up on my credit report. I saw that it was from LJ Ross Associates and it stated that it was for my old utilities. However, there was never any balance on my account. Any attempt to collect any debt is fraudulent and as an attorney, I will see to it that this matter is litigated if it is not removed from my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to Paypal. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
This issues is with HUNTER WARFIELD. They are stating I owe a debt for an apartment complex I once resided XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Indiana. I don't owe this debt because I had to file a complaint with the XXXX XXXX Health Department, this apartment was not habitable, I had to live out of a hotel until I was able to find housing, I was not even able to eat in the home due to the rodent infestation. The health department came out and assessed the rodent issue, the inspector was XXXX. I have also attached photos and the official complaint. This issue was never address and the apartment manager XXXX knew about this issue. 

I did make XXXX " the apartment manager '' aware that I was a service connected XXXX XXXX or more service connected Veteran and I made my therapist at the VA aware of this issue on going issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I closed out my account in XXXX of 2023, I lost my credit card. My balance in XXXX of 2023 was {$1100.00}. I paid the balance of {$1100.00} in full on XXXX XX/XX/2023. The company now wants to charge me interest in XXXX of 2023

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 2023-07-19 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: MI

Complaint narrative:
In accordance with he Fair Credit Reporting Act, XXXX XXXX XXXX JPMCB ( Chase ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON.

Company was contacted with no fixed errors made, and declining request of fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This is a complaint on American Express for deceptive marketing, innaccurate information provided explicitly by customer service, and unfair treatment contradicting information provided by the company. 

I have an American Express Platinum card, which grants me access to their XXXX XXXX. The card comes with a hefty annual fee of {$690.00}. On XX/XX/2022, I reached out to their customer service agents via chat ( screenshots available ), and asked for clarification on their XXXX XXXX access policies. Guests are only allowed to enter within 3 hours of their departing flights, unless they have a layover. I reached out asking if this layover applies to overnight layovers as well, and whether I could access their lounge the night before the morning flight. Amex confirmed that I could, but ultimately, I was denied access because the lounge agent stated the layover needs to be on the same day. This was not explicitly stated on their website OR terms and conditions ( at the time- this has since been updated ), and to make the situation worse, I relied on information explicitly provided by customer service stating the contrary. This led to a terrible experience on my 1-year anniversary trip. 

Here is the chat history, word-for-word : Me - " I see the XXXX rule does not apply to layovers, but is this true for an overnight layover? For example, we're flying to XXXX on Monday night, then from XXXX to XXXX on Tuesday morning. Would we be able to access the XXXX XXXX on Monday night? '' Amex - " As per the terms of the XXXX XXXX - They do admit card members with layovers or connecting flights who produce proof of a connecting flight from the same airport. '' Me : " and that's even if the connecting flight takes off the following morning? '' Amex : " Yes, that's right ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Account was placed on suspension on XX/XX/XXXX. Ive been sending in documents to get it taken off but nothing is helping and Chime isnt helping me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
this bank has given me problems i want to close my accounts and take my business somewhere else. they are forcing me to stay with no access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation