vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Made two payments to XXXX XXXX by mistake on XXXX. I contacted Chase bank the next day and the merchant to let them know a payment was made by mistake as I also paid the merchants what I owed. I immediately called the bank and asked for a return of one of the payments which the merchant was aware of. A k told me funds would be back in my account within 3 business days. After 10 days the funds have not been deposited. I called chase bank theee times and each time they would tell me the funds would I. My account within 2-3 hours, again no return of funds. Called bank back again just run around and terminated call. XXXX Transaction just gone. Funds were returned to chase bank after two days but still not returned my funds into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: SD

Complaint narrative:
Id like to file a complaint on my banker XXXX XXXX at the rapid city sd location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX sd XXXX and US Bank. 

I went in to find out about opening an account with nearly XXXX XXXX XXXX  and the banker named XXXX, lied to me in order to get me to open the account so she would get a commission. She told me multiple times that there would be no transaction limits, something that is very important to me and I repeatedly asked about. After opening the account my card was declined immediately for going over the transaction limits she swore didnt exist. After that she refused to speak with me about other options to avoid limits like opening separate accounts. US bank has ignored the fraud reports completely and all requests for a different account. 

Setting up this account cost me money and now using it cost me a lot of money just to take out my own funds and make separate trips every time I buy something. If theres ever an emergency I wouldnt be able to do anything and it WILL be us banks fail, its also preventing me from working which I do on the road. Now Im on the road and cant get anything done. I have over XXXX XXXXXXXX and they are telling me I can only spend XXXX XXXX  a day. Besides the fraud to get my business, this is also illegal. 

Us bank has ignored the bbb complaint and pretended the fraud wasnt a part of it. This is a serious federal crime I will be seeking accountability for.

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 2023-09-25 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for a student loan but did not end up attending the school and the loan has been returned in its entirety with nothing furthered owed. Nelnet was first loan servicer and transferred the loan to XXXX who returned the funds that had been disbursed. Nelnet continues to report that I owe them XXXX despite having transferred the loan to another servicer who then returned the funds. How do I compel Nelnet to update their report to reflect loan status? 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
I had requested help regarding my mortgage that I had with AmeriHome mortgage and they were very. Unclear regarding the forbarence agreement and the terms behind it. So when I had very little time to communicate regarding the HAF assistance that I was approved for they claimed that I denied the assistance and did not apply it to my account knowing that I was in need of help financially. Then they had posted a sheriff sale and by that time I was unable to provide the information I needed to them in order for the sale to be post-poned. So then by that time I was very uneducated and unaware for what needed to be done in order for my mortgage not to be deferred.

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 2023-09-25 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In Re : Ace Cash Express Online Store I was trying to pay the loan off ( in full ) early to avoid a large interest rate and additional fees. When I tried to pay the loan off on XX/XX/XXXX, the website would not take my payment, nor would the customer service automated line, nor directly with a customer service representative. I was advised by customer service that I would have to go to the branch closest to me to pay the loan amount in full. I advised the customer service representative ( CSR ) that I was out of state and that paying at a local branch was not an option for me. I insisted that the loan be paid over the phone. The CSR said she didnt have the ability to take payment by phone. I called the Ace Cash office closest to where I live ( XXXX ) and that CSR advised he couldnt take my payment either since the loan request was all done online. He advised to go to any branch to make a payment. 

I had to go to a branch to pay the loan off, and even then, the branch said they would not be able to accept my payment. I had to insist that they call a member of management. As a legally XXXX customer, I found it extremely difficult to not only try to pay my loan off early, but to also have to physically go into a branch. I was able to pay the loan off within the 72 hour window, and was still charged for interest that had not yet accrued. When I went to the branch and asked for a copy of my loan docs, the representative said that she was unable to do that. 

I received the loan on XX/XX/XXXX and paid it in full on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: FL

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi, we received money from our customers on XX/XX/XXXX for {$9200.00} including paypal fees. But unfortunately Paypal put that money on hold. I tried to reach them to solve the problem, but they keep saying that i have to wait 180 days to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Synovus Bank
State: PA

Complaint narrative:
On XX/XX/2023 I, XXXX XXXX, mailed First Progress a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with XXXX. On XX/XX/2023, I mailed XXXX a copy of notice that was mailed to First Progress along with a notice specifically for XXXX informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. First Progress blatantly disregarded my request and did not respond to my notice. However XXXX did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as First Progress must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. XXXX has a duty to also respect a consumer 's right to privacy. I did not send First Progress or XXXX a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: EQUIFAX, INC.
State: TX

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp.
State: NV

Complaint narrative:
Armada Corp of Nevada is attempting to collection on a XXXX XXXX XXXX debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). XXXX filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Card was set to auto pay, which stopped without notice, accruing several months of late fees. During this period, monthly emails that had been sent reminding me of payment also stopped. Issue was only discovered after a drastic drop in credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Contacted Wells Fargo the week of XX/XX/2023 stating that I unexpectedly lost my job, Iam a single mother and temporarily unable to pay my mortgage as well as all the other living expenses for my son and I. They stated they would have a home preservationist specialist contact me which she did and said I was denied work out options with them due to me receiving unemployment. As a single mother and limited allotted amount of food stamps, they stated unfortunately they can not help me push payments back until iam back on my feet again which in hopes to be sooner then later. I do not have any friends or family to 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 2023-09-25 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: TX

Complaint narrative:
On XX/XX/XXXX I received a call from the Wells Fargo fraud department a lady stated that there was suspicious activity in my account for a {$500.00} XXXX transaction and {$100.00} for XXXX. She asked if this was me and I said no. She then said ok that she can turn off my card and she will need to send me a new one. She said she needed my access code to do this. I was unaware of my access code so I guess and said my pin and then i said maybe its my last 4 of social security number. She then said my address number so she can send me a new card. She stated 2 of my previous addresses and I told her it changed and she said in order to update it I had to tell her the verification number through text. She did it 2 times and I told it to her. She said I would get my new card in 1 day. A few minutes later after the phone call I got a text from Wells Fargo to verify account activity and I quickly checked my online banking app and saw 3 transactions that were not me. One of {$1000.00} that was declined another one of {$1000.00} and another of {$990.00}. I turned off my card in the app and quickly called Wells Fargo and told them that was not me doing those transactions. I said that a lady had previously called me stating there was fraud and that she had already turned off my account. The Wells Fargo man on the phone said that my card was turned off and that the transaction probably happened before it was turned off. But I said it was not authorized nor done by me. He said he would send me a new card in 5-7 business days and I was asking him why the lady said I would get it in 1 day. I finished the phone call with the Wells Fargo man and he submitted a claim. I then went to check my email and saw that my withdrawal limit was increased to {$2000.00} and that was not me authorizing that either. I then realized that the first phone call I received claiming it was Wells Fargo was really not and that I got scammed by them because I gave them my PIN number thinking that was my access code and because I gave them the 2 verification numbers that they sent. I quickly called Wells Fargo back stating that I believe the first phone call I got was how I got scammed and the man said that a claim was already opened and that I had to wait 10 days to hear back. I never heard back from anyone and when I called wells Fargo the claim was already closed and they said it was denied because I authorized it. I never authorized it and it was a scam I was telling them but they said that according to their investigation i cant get my money. No one was able to help me or fix this for me. They all said nothing can be done because there investigation shows no 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 monetary relief
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # XXXX, 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/XXXX i entered into a consumer credit transaction with Honda XXXX XXXX and I have noticed that the XXXX and HFS have closed my claim as I was not provided proof of the investigation and have yet to acknowledge my request and they are still demanding payment when the Credit card already paid for the property for my personal and family use. I have yet to receive a billing statement that comes in the mail so I can accept the offer and have them transfer the Pricipal balance to the Principal account for set off. However, there are violations in the contract that they had me sign and now I am exercising my rights as the Agent on behalf of the Principal account. I have asked for all transactions and all copies of all history of statements, ledger, bills, disclosures and I demanded the account in connection to the credit card that I use for consumer credit transactions. I have had a few goods purchased since the year XXXX. I am in need of all my statements from day one and all contracts and applications, ciontracts, receipts of down payments with Honda Financial Services, They are ignoring my requests which puts them at fault and the burden of proof is on them. 

I also have comprehended that this last transaction on XX/XX/XXXX is also inaccurate and they have violations that needs to be paid to me within 10 days. I also have proven that the contract is null and void due to the contract violations that I have attached herein. 
I demand that HFS and Honda XXXX prove their claim and provide supporting evidence that they did follow the requirements in the law. I can assure you all that the dealership or financial institution factors, requirements, rules, guidelines do not supersede Federal Law. Please have them Prove me wrong. and they must with the help of the CFPB to do as full and thorough investigation and not a lousy incomplete investigation like last time. I do not have time to go back and forth as this is a waste of my valuable time. Help me get this matter resolved and have them issue me a violation check in the amount they are in violation for according to the Law. And I am trying to get this matter handled as quick as possible. DO NOT CLOSE THIS claim without proper due diligence. 
I need all hard copies of my requested items listed above to be mailed to me at my location as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Make sure they send via postal mail and I expect this to all be completed in 10 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: Experian Information Solutions Inc.
State: TX

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. 

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