vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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: GA

Complaint narrative:
I was incarcerated  between XX/XX/XXXX until XX/XX/XXXX. During that time a female used my debit card and bank account fraudulently which included debit transactions, ATM withdrawals and checks being written and cashed without my consent. 3 checks were written for the amounts of : {$2400.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, and {$2600.00} on XX/XX/XXXX. Also the female made debit withdrawals and transactions totaling to the amount of : {$6200.00} I never gave consent for her to use my debit card or account nor is she attached on my Wells Fargo account for authorization at all. I've put in a claim for both debit card fraud and check fraud with the Wells Fargo banking company and I'm currently trying to be reimbursed for the fraudulent use but I am getting nowhere and I feel they are making it difficult for me rather than help me with this situation. I've given police report and proof of incarceration. In the beginning I was denied my claim and I called to dispute the decision which then I was told that the claims was escalated to and higher person in the department for review and that I need to send a police report and proof of incarceration  at the Wells Fargo bank to be faxed over to claims department which I did accordingly. Still no actions has been taken into consideration.

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 2023-04-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XXXX XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.

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 2023-04-14 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: MT

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2023-04-14 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: MT

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Purchased hand made pottery in XXXX on XX/XX/2022 and paid {$910.00} including shipping and insurance. The package was not delivered until XX/XX/XXXX when we were leaving on another trip. Since there was no external damage visible, we signed for the package and put it in the house. When we returned from our trip on XX/XX/XXXX, we unpacked the box and one item, a platter was broken. All other pieces were fine. We contacted the merchant in XXXX and sent pictures of the broken platter. They told us to take it to the US Postal Service and we did on XX/XX/XXXX. The US Postal Service reported the damage to the XXXX Postal Service. We received a letter from the US Postal Service requesting information to report back to the Italian Postal Service dated XX/XX/XXXX and we returned it promptly. We received a phone call from the XXXX Postal Service to say the damage was being reported to XXXX and on XX/XX/XXXX we received a document from the US Postal Service saying everything was processed and the refund would come from the merchant in XXXX. On XX/XX/XXXX we again contacted the merchant asking about our refund and they said that as of XX/XX/XXXX, the XXXX Postal Service had not been notified of a problem. I sent the merchant the paperwork from the US Postal Service and again requested a refund. When no refund was process, I disputed the portion of the charge for the broken platter- {$240.00}. Capital One accepted the dispute and after a few weeks said the dispute was resolved in favor of the merchant because we did not provide the requested information. I had sent a letter, an invoice, photos and all of the US Postal Service paperwork. I again submitted a dispute and sent even more detail and even though the US Postal Service still has the broken item, Capital One says the merchant is right and no further dispute may be processed. What good is a credit card company if they can not handle something as straight forward as a clearly documented broken item and a merchant stonewalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I use to have a chase banking debit card from last of XX/XX/ but some how some body sent me a check on my account that use to have with chase banking with cause my bank account to close which am have a hard time to reopen a tradional bank account at any financial institution as of right now which I Had no knowledge of this transaction not until I received the phone from bank tell me they would Involutary closer of account. The amount was deposited on my checking account was checks {$4000.00} XX/XX/. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX who has applied for an exception for my tax an although I've provided proof of my statues the mortgage company which is Mr , Cooper is saying that they only show that I am 4 % tax reduction eligibility. Second issue is that I tried to get removed from the escrow and paid them the money that was in the negative in escrow to bring my balance to XXXX and they said that they never received the money and second the 've doubled my escrow from XXXX to XXXX dollars in one day. When I was first made aware of the escrow issue is when my mortgage company was Trippled my monthly payments from XXXX to XXXX in XXXX of this year. Once I was able to get them to recognized the tax decuction my monthly payment is now XXXX these numbers are just ball park figures however the point is I feel that I am dealing with an unhonest company. I spoke with them about the XXXX dollars I paid them on XXXX XXXX XXXXXXXX XXXX to bring my escrow balance to XXXX they said that they didn't process the money because it was one digit off something crazy like that but I was never made aware of an issue with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
I have been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.

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 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he was working for PnC which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File

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 2023-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: TN

Complaint narrative:
In 2011 my husband took out a reverse mortgage with Urban Financial Group. We had 2 residences on one piece of property and it was recommended that we sub-divide the property so that each residence was separate. We did this and after completion, closed on the mortgage. The second residence was put up for sale last year and when the buyer did a title search it was found that the wrong property was on the mortgage. This was last XXXX. HUD and Urban were contacted at the time and it's now been XXXX months and the situation is still being " discussed internally '' with no positive action to fix this " error at origination ''. I have not been able to " talk '' to anyone about this, all communication has been either with my realtor or emails with HUD and Urban. HELP I need to close on this property as with the length of time it's taking the buyer might well back out

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 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
On XXXX XX/XX/2023 Contacted river valley loan.. 
. 
https : //rivervalleyloans.com/ Mon, XXXX XXXX, XXXX was approved for {$970.00} usd.. 
Rep said would be made in 16 payments of XXXXabsurd but was in a tight situation for RENT and said i could call 3 days before due date to avoid interest.and pay the amount of XXXX usd aprox '' to close the loan*****i agreed **. after i got the approval and money was sent i got a new email approx. XXXX XXXX, 2023, XXXX but this had 32 payments!!! not 16 i called today on a recorded line and explained this was not explained, agent XXXX '' apologized and said the other rep misspoke!??? how do you confuse 16 payments with 16 months 32 payments??? this is criminal i said i can pay the loan back XXXX or so***today and avoid the XXXX interest charge on the XXXX of XXXX he said the money was already in process???? but the poly said i can call 3 days before.. 

this is absurd and Blatant Fraudulent Activity, i regret every calling them. i've had loans payday loans before '' uwallet '' and others and all have been paid 100 % % with no issues this company is a FRAUD ive never regretted anything more.. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.

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 2023-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX, DEPT OF EDXXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-14 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: TX

Complaint narrative:
This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address immediately.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I applied for XXXX card, was approved but promo was not what was stated on web application.

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 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today ( XXXX XXXX ) I just got a so-called " response '' from " EquiFax '' for my previous complaint XXXX : XXXX. On XX/XX/XXXX, I had PREVIOUSLY " mailed back '' a " certified '' letter to " Equifax '' with a ( XXXX ) Photocopy of my valid XXXX Drivers License ( # : XXXX ), and ( XXXX ) with my recent Pay Stub ( with my SSN : XXXX ) on it, and ( XXXX ) with my latest XXXX XXXX XXXX monthly ) utility bill ( with my : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) on it, and a ( XXXX ) Photocopy of my U.S. Social Security card ( with my Date Of Birth of : XX/XX/XXXX also on it!!!! 
" XXXX '' mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX on XX/XX/XXXX. And " XXXX '' also mailed me my " FREE '' credit report with my FICA score of " XXXX '' to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX also on XX/XX/XXXX. ONLY " Equifax '' continues to violate my State of California and my Federal Credit Reporting " Due Process '' Rights for failing to mail me my " FREE '' credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: IL

Complaint narrative:
XXXX According to FCRA 15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account is inaccurate information on my credit report that needs to be removed.

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 2023-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX

Company response to consumer: Closed with non-monetary relief