vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have been making monthly payments to Wells Fargo for quite some time without any problems. All that changed back in XXXX when, while I was out of state, I received a call from Wells Fargo telling me that they have not received my XXXX payment. I was greatly confused due the fact that all my payments are always sent out the first of the month. Wells Fargo said that I could make a payment over the phone, which I did to keep everything current. When I returned to the states, I looked up my accounts and found the problem ; for some odd reason Wells Fargo wrote an account number across the top of my XXXX check, it was not my account number. I even enclosed a copy of my bill along with the check to ensure everything was processed correctly. I have a copy of said check if needed. That check was cashed at my bank but applied to someone else 's account. I believe they refer that action as UNATHORIZE ACCESS to my account. I explained to Wells Fargo what has happened, and they asked me to give them 10 days to investigate this complaint, over 10 days had past and no response from Wells Fargo. The next call I got was from a collection agency wanting money on Wells Fargo 's behalf. My credit score was close to perfect, but, thanks to Wells Fargo 's mix up, my credit dropped. I have reached out to WF many times and just got different reps telling me the same thing and nothing being done about their mistake. They spent my money on someone else 's account and keep sending me bills wanting more money. They stole money from my account and took no responsibility for their screw up. It is now clear why the XXXX XXXX XXXX gave Wells Fargo received an F rating. I can provide every paper work needed.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on two different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-03-13 00:00:00
Product: Credit reporting 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:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute a late payment entry on my credit report that appears to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XX/XX/2024 XXXX CFPB Investigation previous to this, Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. I have fallen victim to identity theft. Which i have submitted FTC reports to show the fraud that has impacted my life. I sent a letter regarding inaccurate and unknown things on my credit report. I have attached a recent FTC report to this complaint today To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes to Equifax. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately.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. If they are not deleted I will file for litigation due to the stress you caused me. My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person or put on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
CHIME locked my account and denied me access to my money because I had my phone and wallet stolen... I reported it to CHIME, and they required a STATE ID or DL to unlock.. in OKLAHOMA where I was living at the time, it can take up to 90 days to receive a new or replacement stat ID or DL... I paid for a replacement through the " TAG '' agency in XXXX & CHIME would not accept the Temp. paper DL I was issued... I sent pics of my old exp. CA DL, my birth certificate, my SS card, my XXXX health card, my pay stubs, my work badge, took selfies holding up dates etc ... CHIME did not care and would not accept anything other than a " hard copy '' of my ID or DL.. Im on XXXX and my payments were still going to the CHIME account.. I had no phone and could not change profiles, emails, addresses etc.. on anything... I lost my home and ended up homeless on the streets cold and hungry because CHIME was unreasonable with verifying who I was... XXXX member service rep would tell me to submit my birth certificate along with the temp ID and then the other wouldn't accept it... THIS WENT ON FOR OVER A MONTH... I am on XXXX for a mental issue and I attempted XXXX bc I was cold and hungry and nobody would help me, not even my job .... I had over XXXX in my account and CHIME nor SERVICE OKLAHOMA ( DMV ) would move an inch to help XXXX I ended up losing my job after 10 yrs ... my family started a XXXX campaign to raise money to get me back to CA because I don't know anyone in Oklahoma .... 
finally back in CA, I was able to get an ID at the XXXX in 7 days ... .I unlocked my account, but CHIME would not expedite a card for me to use ... I had to wait XXXX days to get it... I had to move money and use XXXX or XXXXXXXX XXXX and after 6 hours of being unlocked CHIME again locked my account .... then a week later, CHIME closed my account because of the " bad language '' I used with the reps from overseas ... .CHIME owes me close to XXXX and is making me wait 45 days to get a " closure check '' ... ... .several reps told me they were having the check " express mailed '' to me..... but now they will not give me any tracking info and I think they have stolen my money ... .. they caused me to almost kill myself over this .... in OK I was in the hospital behavioral unit 5 times and the police contact was constant because I had nothing and no one to help... .I was able use another homeless mans phone to log into XXXX and find a friend who then contacted my son .... I took a greyhound back to CA... with no job now I have no health coverage and my mental health is suffering without XXXX ... CHIME is a huge reason for this ... ... i hate them with every ounce of feeling I have! can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX XXXX  XXXX, TX XXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
The payment information that Mr. Cooper has listed on my credit report is not accurate. I have been reported delinquent by Mr. Cooper from XXXX XXXX XXXX through XXXX XXXX  XXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX  referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called Mr. Cooper with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next XXXX months. I contacted Mr. Cooper and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to Mr . Cooper. ) While I waited for the finalization of my modification I made 2, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : Mr. Cooper re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called Mr. Cooper from the notary and a customer service rep spoke with the notary and told them where to notarize the document. Mr. Cooper stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) Mr. Cooper had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the CARES Act. That is what XXXX and I had discussed when requesting the modification with Mr. Cooper. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to Mr. Cooper and several credit reporting agencies. Mr. Cooper has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I believe that Citicard 's method of billing each month is deceptively hiding interest they are charging. Here is the problem. 
I have had Citicard 's Double Cash Back card for at least 10 years. I pay off my complete balance each month so that I do not incur interest. Then in XXXX, XXXX, they were offering a Flex Loan at a low interest rate that I took advantage of. The information indicated the monthly information on this loan would be included on my monthly credit card statement. Before taking out the loan, I questioned one of their representatives about these two forms of credit -- credit card and Flex Loan -- not being intermingled and was assured they would not be. Since taking out the loan, I have made the required monthly payment for the loan ( {$200.00} ) plus payments for the entire balance of credit card charges for that month. For the first time, on my bill dated XX/XX/XXXX, they have begun to charge interest on my credit card purchases, in addition to my Flex loan. When I called to ask them to explain that, they said that the credit card interest is based on what they call the " Adjusted New Balance '', which they said was the average credit balance for the month. So, my statement balance each month is a total of this " Adjusted New Balance '' and my Flex Loan Balance. This makes absolutely no sense. I have a personal budget that I work off of each month. Since I have no breakdown of how they calculate this " Adjusted New Balance '', I can no longer accurately breakdown my monthly bill based on my monthly charges because it no longer adds up that way.

What I conclude is that the difference between my actual charges for the month and the " Adjusted New Balance '' is actually interest they are charging me in addition to what is clearly shown on the bill as interest on the Flex loan and the " Adjusted New Balance ''. To me, this is very deceptive. Since they can not or will not give me the calculation for the Adjusted New Balance, I am going to quit using the credit card and just continue making the monthly payments on the Flex Loan. I will just take my credit card business elsewhere. But, I believe this is something that the CFPB should put a stop to. It has not been industry practice in my past experience, so I believe they have started this in order to charge even more interest than the stated interest rate on the credit card.

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 2024-03-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Pursuant to 18 USC 8, I owe no debt, These companies are violating my consumer right to privacy pursuant 15 USC 1681-B2. these companies have no permission to report my information per 15 USC 16814. All credit consumer reporting agencies and Supplementary/Alternative Credit Reports/Check and Bank Screening companies ( XXXX XXXX Transunion, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ), are violating my consumer rights.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.

Company response to consumer: Closed with explanation