vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a phone call from a suspected wells fargo customer service employee saying that someone was trying to access my credit card information. He then proceeded to tell me we need to perform a test in order to make sure money was not taken. He then had me make an account to wire money. He provided me with the account number and routing number to make my profile active. He had me wire {$4500.00} from my credit card to my savings account. He then mentioned that the money that was wired would be put back in my credit card as a deposit that next day and it did not. From my savings account it went into a XXXX XXXX XXXX account which I do not have an account with. That {$4500.00} went into his 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 explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
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 an account without my written instructions.

15 u.s.c. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of complaint jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Caller on XX/XX/2022 @ XXXX XXXX XXXX indicated they were calling from a debit collector. The number the company was calling is utilized for business and is accessible outside of the party they are attempting to contact. This violates said party 's rights by establishing this individual has a debt and others are contacting them to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I called Synchrony Bank to request a courtesy waiver of interest and late charges in XXXX XXXX  XXXX due to XXXX I was told by the Synchrony advisor that this would be done but it was not. As a result more interest and fees accrued which I did not discover until XXXX XXXX XXXX when I once again contacted Synchrony Bank. I attempted to correct the situation again in XXXX XXXX  XXXX as well as in XXXX, and XXXX XXXX XXXX. My card account was marked closed due to delinquency which is incorrect. I was assured the charges would be reversed in XXXX XXXX XXXX. My credit scores took significant hits and Im still unable to secure a credit card with any business which uses Synchrony Bank

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 2022-04-11 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-04-11 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-11 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/2021 I notice there is an offer on Chase web site. I am going to get XXXX promotion points when I applied Marriott XXXX card and spent {$3000.00} in first 3 months. So I applied the card through chase.com and got approved. I spent more than {$3000.00} in the first 3 months. However I didn't see XXXX bonus points in my account. So I contacted chase customer service through secure message. First they said I didn't spend enough in first 3 months. I pointed out that's not true. Then they acknowledge I spent enough money in first 3 months. But I am only eligible for XXXX points instead of XXXX. I send them the screenshot I took from their website. I pointed out that I didn't get any warning that I am not eligible for XXXX points when I applied the card through chase.com website. They couldn't give me an acceptable explanation but just insist that I can only get XXXX. I feel being scammed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check that was given to my by the courts for a probate sale in the amount of {$18000.00} into my savings account which I had active for over 7 years without any issues. I used my Drivers license and also my debit card to verify my identity in person and was still flagged. When trying to use XXXX I noticed a problem I called customer service and after a 2 hour wait the system said call back another time. The following morning i went into the branch which was XX/XX/XXXX and the branch manager helped my at least gain access to my checking because they restricted everything in my name. She removed the hold and told me to just not touch the funds in my savings until the check clears since I provided her with all legal documentation that was given to me in order to justify the payment. After 2 weeks i noticed i no longer was able to view my account information and had a deposit into my checking that I didnt do so I went into the branch again. A banker was able to sit with me and see what was going on and told me that my account was frozen and i need to go to another branch with the person who wrote my check to remove the restrictions which made no sense. She said my account was frozen on XX/XX/2022 when in actuality she was looking right at the account that showed it was closed since XX/XX/2022. Why was my account closed when I did everything that was asked in order to verify the legitimate check and the reason for me receiving that dollar amount. In the end I had to go to another branch so they can tell my that my account was closed since XX/XX/2022 and feel like i was treated unfairly for no reason and no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
When I gradutated school I was stuggling to pay my student loan leading to them add a lot of interest, non payment fees and other fees which balloonedmy loan. I did claim bankruptcy in 2012 and did tell the servicer AES which they didnt want to drop any interest, fees or charges. When I got back on my feet and got a stable job, I started to pay till this day. I think it is unfair I have to pay all those fees, charges and interests on the loan when I didnt have the funds during those years when I was not working. 

My orginal loan was XXXX When I finally started to pay it off it was as high as XXXX XXXX XXXX Loan Status : REPAYMENT Disbursement Information Disbursement XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX XXXX XXXX XXXX XXXX AT XXXX Out of School DateXXXX Interest Rate Information Interest Rate:5.99 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$28000.00} Late Fees : {$0.00} Unpaid Interest : {$130.00} Principal Balance : {$33000.00} Payment Information Monthly Payment : {$360.00} Repayment Plan : Standard Repayment Term:131 Months Expected Payoff DateXXXX Due Date Information Next Due DateXXXX  Days Delinquent:0

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: NY

Complaint narrative:
I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
Millennium Financial Group XX/XX/2021

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 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following have violated my rights : XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX. XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXt XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
First Federal Credit called me several times, on the most recent interaction in which I stated that I wasn't able to make payments, the agent called and told me that my credit would be negatively impacted by not paying her. 

This account has been in their charge since XX/XX/22. They've ALREADY reported negatively against my credit report and have now SOLD THE DEBT to another collection agency ( XXXX XXXX XXXX  ) without giving me a fair chance at resolving this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NY

Complaint narrative:
I have been fighting the fraud accounts on ny credit since XXXX. I have sent police reports and even letters from XXXX other credit bureaus that confirms my identity has been stolen. Experian continues to allow hits on my credit even after I sign up for notifications and alerts!

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 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of XXXX despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in XXXX when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: PA

Complaint narrative:
My Mortgage was sold to Selene Finance in XXXX. We had a payment returned and since then they will not accept any payments that are not verified while continuing to charge late fees. I do not have access to my online account due to the returned payment. I have requested several times to have the verified funds requirement lifted and I keep getting " its getting reviewed ''. I asked how they can change aspects of my original loan ( payments, late fees, and required payment types ) and the response is its our company policy. I have stated that this is the first time that anything like this has changed with a new servicer their response is " Its our company policy ''. Last Friday I was yelled at and hung up on twice by the same customer service rep. Can they change items in my original loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OH

Complaint narrative:
In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. 

Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Greetings, I can not locate two CDs ( {$4000.00} and {$6000.00} from Bank of America in XXXX, XXXX  on XX/XX/XXXX, XXXX. I made several attempts to locate them, to no avail. Requesting " 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 explanation
Consumer complaint received 2022-04-11 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: NC

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 response to consumer: Closed with explanation