vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to be removed from Equifax high risk status from my credit report I longer need be transferred to fraud department or office of the the consumer affairs. 

They are not assisting me with my disputes and be rude to me and unable to transfer me to American customer service.. 

And disconnected my phone calls numerous of times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one is reporting our transactions and experience, with the XXXX major credit reporting agencies. This is in violation with 15 US 1681A sec 2 exclusions ( ii ). I gave no consent to the disclosure of such private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma has pre approved me for credit cards many times with very likely to receive and after I apply I am always denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. 

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX XXXXXXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.

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 2023-01-18 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: NJ

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Home equity Loan at Wells Fargo has gone from {$85.00} to {$160.00} per month. I Iost my retirement savings in the XXXX  crash ( over XXXX XXXX dollars ) and got stuck with a XXXX XXXX XXXX for {$25000.00}. I became XXXX soon after only been able to pay the interest for many years. I almost died from XXXX have been sick for XXXX  years. I have tried to refinance with Wells fargo but they can't really help me. Thanks, 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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
JMPCB Card was opened without my knowledge in the amount of {$17000.00}. 
XXXX XXXX also opened a credit card without my knowledge in the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OR

Complaint narrative:
I was a victim of identity theft in XXXX, and have had multiple credit card accounts opened in my name since then. In XXXX of XXXX, I found a credit card opened in my name that I did not open. It was charged for XXXX XXXX and opened XX/XX/XXXX. It had not appeared on my credit report prior to this, and I was not contacted by Discover about this card. 

I reported this to Discover Bank in XXXX and XXXX of XXXX. I forwarded Discover the information they asked for, which included information about previously opened fraudulent accounts, as well as a Police and FTC report. I was informed that they would need more information regarding this account. I contacted them on multiple occasions, and was continuously told to resend the information previously mentioned. 

In XXXX of XXXX, I received a notice in the mail that this account had been investigated, and it's balance was considered valid due to the fact that the credit card was sent to a previous lived at address, and that I provided Discover with my name, address and identifying information. This account was opened without my knowledge or permission. I did not receive a card, and I did not provide Discover with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased XXXX air tickets with XXXX XXXX using my Chase Bank Sapphire Reserve Card that includes insurance for trip cancellation protection. 
Due to a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. On XX/XX/XXXX I submitted a trip cancellation claim with Chase Bank XXXX XXXX services via their e-claims on line. Claim # XXXX and their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not paid the claim and continues to ask for the same documentation that I have already submitted several times. Specifically, credit card statements showing my loss of a cancellation fee of {$300.00} XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX cancellation policy. I have complied and submitted these documents more than once. Now, the claims administrator is asking for me to submit them again and a specific charge from XXXX XXXX to my card. The claims XXXX knows very well that the cancellation fees are deducted from the price I already paid for the airfare and the airlines do not send a separate bill for a cancellation fee. The XXXX XXXX has been attempting to make it impossible for me to receive compensation. Researching XXXX XXXX on line shows a terrible rating with hundreds of complaints like mine as they try to wear down the complainant to give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NJ

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Forever 21 opened a credit Card without my knowledge In the amount of {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, someone used my identity to open a credit card with COMENITYCAPITAL/XXXX They made a purchase of {$640.00}. This was not me and I did not authorize this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I XXXX XXXX was contacted by mail from Lien enforcement inc about a debt I owed in the amount of {$3700.00} Around or on XX/XX/2023 for a car that was sold by me and my wife last year. I called on the XX/XX/2023 and talked to a representative named XXXX that was so rude and hung up after putting us on hold for what seemed like hours only because we said we had proof that the car was sold to him saying it wasnt registered, tagged, or smogged. He yelled and talked over us saying were pay out XXXX way or another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing this letter because i am extremely dissatisfied and dissappointed with the services of Wells Fargo. I feel as though my complaint was handled inadequately and my rights were grossly violated by the service rep, XXXX. I have been a customer with Wells Fargo since XXXX and have continuously maintained a good standing with them. On XX/XX/XXXX, I submitted a dispute and took the extra step of filing a complaint with the various regulatory agencies such as CFPB, FTC, CFTC, SEC, State Attorney General, and XXXX. On the same day, I received a notice that my account would be closed without any legitimate explanation. This leads me to believe that the investigation was not conducted correctly. 

Furthermore, I called on the XXXX to file another dispute because someone had disconnected my phone and I was able to get into my applications since I had double verification with my phone and the customer rep ( XXXX ). However, XXXX was extremely rude and treated me disparagingly. He did not explain the details of the dispute and merely provided me with a claim number ( XXXX ) before abruptly ending the call. 

I am appalled by the lack of customer service I have received and feel that my rights have been grossly violated. I would like to request that my account be reinstated and that I be given a proper explanation as to why my account has been closed. I would also like to request that disciplinary action be taken against XXXX for his inappropriate behavior. 

I look forward to your prompt response. 

Sincerely, 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 2023-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
this is second attempt here, but i gave an older account number. the correct one is XXXX I requested the closing when XXXX up on XX/XX/23. Their website has been down, purposefully in my opinion, as well as others having similar issues as reported online. With web down I can not do a transfer. I called and they said a wire would go out same day. As of today, after I CALLED THEM, I am told they reversed the wire. This is causing a financial hardship for me and I need this resolved at once. It's my money. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NJ

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am behind one year in payments I sent 3 checks {$8000.00} each total value of XXXX on XX/XX/23 via mail Phh mortgage services received my checks but are not applying it to my account when I reached out to them they told my they will look into it I spoke to escalation manager who told me I have to pay an additional {$850.00} because the minimum they could accept from me is {$24000.00} i was told if I paid the {$850.00} with bill pay they will apply all. He said he would be handling the case and I will receive a call from him send the {$850.00} through bill pay and they sent it back when I called they said because the bill pay amount was not the full {$24000.00} that why it was sent back I sent a check for the {$850.00} through overnight mail on the XX/XX/23 the mail was delivered I called them today XX/XX/23 the day the days he was suppose to call me back and was told they have mycheck for {$850.00} but I have to wait on a call from the manager I don't understand why they don't apply the checks they have or send them back everyone I speak to from this company is speaking to me from another country I need help in this matter because have my money to bring my mortgage up to date and they are not doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: A&D Mortgage LLC
State: PR

Complaint narrative:
A & D required during the closing process that real estate taxes and homeowners insurance premiums are held in escrow. The problem is, there is no way to get them to pay the insurance company or tax company. They are sitting on my money and now I have to pay out of pocket to the insurance company ( after receiving an extension over the issue ) to ensure I do not have a lapse in coverage. They don't respond to any request for anything. I have escalated it within the company with no response. This is gross incompetence on their part.

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