vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My account was froze charge excess service fees frozen for a while without explanation closed and no funds were sent back to me and and it says there's a charge off on my credit report because of it also they said they close both accounts which I found out not too long ago that the savings account apparently I don't even know where the statements are going or why aren't they coming is still open

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 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is second complaint regarding late payment posting by US BANK. 
I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2023. US bank hasn't posted any payments to my account as of XX/XX/2023. I want to escalate this matter as the end of the month is here and I do not want any late payments reported to the credit bureaus. This is a reoccurring issue with US bank not reporting payments timely but yet I receive correspondence requesting payment when the payment is sitting there. I would like for US bank to research further to find the payment and post to my account and credit bureau without penalty.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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

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 2023-01-30 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:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: PA

Complaint narrative:
I paid Collage Ave the full amount of my loan. They dropped the last number on my account so that the payment did not go through then charged me extra interest. So I submitted again, They are doing the same thing again. This keeps happening. I asked for alternative payments methods. They do not have any. They keep saying I am not submitting the correct account information. I have photographic evidence of what I sent is accurate. They just keep messing up my payments and charging more interest. 

This is a big scam they are pulling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Misapplied payments, missing payments and a false repossession.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo keeps freezing my account. Then they just closed it without any notice. I went to deposit money & was told my account was closed no reason at all.

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 2023-01-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX 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 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.

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 2023-01-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank sent me a letter that they were unable to process my application because they could not verify the accuracy of the credit information. 
I did not apply for a credit card, mortgage or anything related to Citibank, the letter did have a reference number- Ref # XXXX. 

I would like to find out who or what they were applying for and make sure Im not responsible. 

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing my credit report with the three credit agencies, XXXX, TransUnion, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  # XXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-30 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover bank is claiming i have a credit card charge off of XXXX, I have no knowledge of this account. Never had a credit card I've reached out multiple times, disputed this and they won't remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have a XXXX XXXX XXXX XXXX that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX Comenity Bank, now Bread XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
This debt collector is attempting to collect a XXXX XXXX XXXX debt that is not mine and I do not owe. This debt originated in XXXX and I have never heard anything about it until the incessant phone calls and letters from Cedars business services started a few weeks ago. I sent them a request for debt validation that was responded to with a debt verification. There was no validation. My signature on the documents provided is CLEARLY not mine. The documents and how the totals were reached are unreadable. They continue to try and collect on a debt that is not mine and falls outside the purvey of the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed into an 'authorized push payment ' I explained this to my bank but I was ignored. 

I purchased a service from someone online for {$5000.00} on XX/XX/XXXX through a swift money transfer with my bank ( Wells Fargo ) and I did not get the service I payed for, I was blocked from all communication with this person after I asked for a refund. 

I made a claim for 'fraud/scammed ' with my bank and I was never contacted back about the status of my claim. I had to call them back numerous times in XXXX of XXXX to find out about the status of my claim and they kept giving me the run around putting me on hold for long periods of time transferring me from department to department giving me several different case numbers for my claim saying they don't handle these types of claims I was even hung up on. 

Finally I managed to speak to someone and they said they are not able to refund me the money even after I explained to them that I was scammed.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I filed a complaint because chase bank was withholding my funds from me for no release other than what I believe to be Retaliation for file complaints about a different " government office or court office. I still have not recieved my funds. I attempted to pick up my funds in person on more than a dozen time and was given the run around despite being told that I could pick up the funds. They are holding my funds because they apparently don't have anyone to answer to.I want chase to give me the money which is my direct deposits from my employer, which they said they would not be excepting. They continued to except these deposits and rejected all of my auto payments that comes out of the account which has damaged my credit in a manger way, I was just denied an apartment rental due to my new credit score. They have also cause my loan to become due in full. I need someone to investigate these charges if you can't can you please tell me who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
That theyre calling for is that thats already been charged off and they had purchased this from the dead from the company that I quite of the dead. They were not show me the proof that they are the true that holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: NY

Complaint narrative:
I was reviewing my credit report with the three credit agencies, XXXX, XXXX, & Equifax with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit report with the XXXX credit agencies, Experian, XXXX, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: FL

Complaint narrative:
I've been traveling outside of the country for some years now. And for some reason I checked up my credit and its been a lots of negative in there, Which I did not commit. 
I believe my name has been use in fraudulent activities, I want to get my credit back on track so I can organize my life. It has been a disaster for me to get anything under my name because of my credit. Student Loans, Credit cards and etc. I wonder how I can get some help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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

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 2023-01-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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

Company response to consumer: Closed with explanation