vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: AZ

Complaint narrative:
Fraudulent/unauthorized charges. Dates from XX/XX/XXXX through XX/XX/XXXX. Multiple fraud charges throughout time frame mentioned above. Bank denied Fraudulent charges stating I authorized them.I called them back letting them know I did not authorize these charges. They said they would have the executive office look into these Fraudulent charges. They responded by email on XX/XX/XXXX. So far no response. Case # XXXX. Also referred on letter correspondence as claim # XXXX. Wellsfargo Bank is where my account is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX  days for answers. I updated numerous times same run around with no avail. Now we are XXXX  days from 90 days & I know no more than I did XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
Here are the problems as follow : 1. The first problem is involving a transaction from an ATM on XX/XX/XXXX there are " two '' withdraws for {$400.00} this is not possible to happen as the maximum amount that can be withdrawn is XXXX per day. I have wasted hours of my time on hold with customer service representatives. 

On XX/XX/XXXX I also followed a complaint with the XXXX and they refused to even respond to my complaint in writing. 

2. There is a deficiency between the amounts deposited and the amounts debited from the beginning of the account to now. I am requesting an audit of my account. It doesn't take a lot of perspicacity or ratiocination to realize that Huntington Bank has what I would call rather questionable and unsavory business practices and I am sure I am not the only one that is experiencing these recesses in fair business practices and sound judgement. When a person comes to a bank they expect the bank to have some level of integrity and good faith. Perhaps my expectations of Hunington Bank are not realistic, non the same I am 3. I was given an inducement to open the account but what I was given was not the promised amount and then I got a 1099-INT that this was interest income and it is not this is misfiled and inappropriate.

4. I am requesting an accounting be made of my account as the deposits and withdraws do not balance from the accounts beginning to end. 

****I do have pictures but i was unable to upload them but you can text me at XXXX XXXX XXXX and I can text them or I can email them if you send an email requesting them. 


Thank you for your time and consideration to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank has ruined my credit by not properly crediting my account XXXX. I have receipts where I've made cash payments inside the branch and my payments are still not being credited to my account. Chase continues to charge me for late payments even when I'm not late. chase bank has reported me five times late starting in XX/XX/2021, Chase kept advising me that my over-the-phone payments failed. when in fact my bank advised me that there was no attempt to withdraw funds from my bank account.from chase bank. Please see attached letter. I said I'll correct the problem by going inside the branch and making cash payments. Chase has not been crediting my cash payments and has still been charging me late fees. Please see the attached cash payments made inside the branch for XXXX and XXXX but the remaining balance never change my XXXX XXXX XXXX payment was never updated. 

Chase is also violating my consumer 's care act rights Sec.4021 & XXXX  'S Fair credit reporting rights. I proved I was affected by covied19 and needed chase to assist me with payment arrangements on my account, during that time my account was current. The cares act Sec 402 states if a lender finds a consumer is affected by covied19 and they assist their customer with financial help and the consumer is not behind prior to covid19 that lender can't report that consumer account late to the credit reporting agency ; s.and can't charge late fees. Chase has been charging me late fees even when I'm on time with my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { 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 2022-02-02 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: FL

Complaint narrative:
I have filed XXXX disputes with Experian regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that Experian is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. 

Due to Experian inaccurate reporting to my consumer file it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. They stated that XXXX XXXX verified this information so I provided them with a letter that I received directly from XXXX XXXX dated XX/XX/XXXX which states the alleged bankruptcy was removed. They then stated that the courthouse verified this information and I provided them with a letter that I received directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. 

If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) The sources of the information. 

XXXX and XXXX have removed the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except Experian??? 

I have attached the dispute letter mailed on XX/XX/XXXX, dispute letter mailed on XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: FL

Complaint narrative:
The reporting of this account is in violation of the FCRA for the following reasons : XXXX. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. XXXX. ) This debit is being report as a payment. Charge- offs can not be reported as payments. XXXX. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my XXXX and Experian credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX  XXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the CFPB. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MI

Complaint narrative:
XX/XX/22 I got a notification at XXXX pm on XX/XX/22 about a hard inquiry to my XXXX report. I did not apply for a credit. I do not own a credit card. I quickly called XXXX to find out and they told me to go to XXXX to have the inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is only getting one of the two accounts being reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with Transunion because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called Transunion and XXXX XXXX XXXX today regarding this issue around XXXX on XX/XX/2022. Transunion said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. XXXX XXXX XXXX told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( Transunion, XXXX, and XXXX ). 

No further attempt of assistance was provided by XXXX XXXX XXXX when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
I opened a personal checking account online with Key Bank on XX/XX/2022 and gained online access. I made some deposits to start using the account, totaling {$1500.00}. On XX/XX/2022, I discovered my account had been restricted when I could no longer log in online. 

No one notified me of the restriction, or instructions on how to proceed. I called online support, various branches, executive client relations, and fraud support to discover my checking account had been " flagged '' and under investigation because I am located in California and Key Bank does not have a footprint in the state. 

Key Bank has refused to release and return my balance, and I am unable to transfer out my funds or re-gain online access. I would appreciate my balance of {$1500.00} be returned via a trackable shipping method like UPS. 

I would also recommend Key Bank to revise their business practices to notify account holders of any such restrictions and to inform them of next steps forward, rather than for the consumer to be kept in the dark while their funds are inaccessible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: VA

Complaint narrative:
To Whom It May Concern, I have tried to fix this issue with my credit report with XXXX, XXXX and Equifax. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX Now my only resort is to file a complaint with the Attorney General 's office and the CEO of XXXX, XXXX and Equifax with how their companies continue to break laws and my XXXX rights! I have sent in 609 letters ( multiple ), FTC reports, Affidavits and more 609 letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all 3 bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing XXXX, XXXX and Equifax. 

I have requested that you correct the payment history on my XXXX XXXX - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving XXXX, XXXX and Equifax authority to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Frost-Arnett Company
State: OK

Complaint narrative:
Mismanagement and handlind of patient account and chart XX/XX/XXXX I received a collection letter from Frost- Arnett from XXXX XXXX XXXX XXXX XXXX 
My Physician is XXXX XXXX was at XXXX XXXX  and they sold/bought out/hostile takeover and the accounts were sent to XXXX XXXX XXXX XXXX XXXX unbeknownst to me. This took place based on the new staff in XX/XX/XXXX. 

I had a bill for {$220.00} and called the XXXX XXXX XXXX to pay was told I could not pay the office and that the new billing office would contact me. 

Months later, I received a text as to how to pay, and when tried to pay, was told the patient account number was wrong and referred back to my doctors office. 

I called XXXX XXXX  office and they did not have my chart and I would need to sign a document to get the file back from XXXX as XXXX XXXX new owner, did not get my chart, ( even thou I am still XXXX XXXX patient ) he did not own my records. So confusing. 

I then received a text to pay on-line and again, could not open as I did not have my new patient number to access the portal link. 

XX/XX/XXXX I received a collection notice for account XXXX to pay Frost-Arnett. I called XXXX XXXX  is who now XXXX XXXX and was told my account was sent to collection under patient # XXXX under XXXX XXXX and they had no records and that I had been reported as derogatory. I was then advise to call the corporate office as the local office did not handle any of the billing office. I called corporate XXXX and was unable to speak to a person, as the voice system only allowed to pay by phone and must have a patient ID number, of which when I put the patient ID into the system and it would not accept # XXXX. 

This company both XXXX XXXX and XXXX XXXX XXXX has poorly handled my patient records ( I can not get copies ) and my billing account. They have mismanaged the entire process due to a hostile split between the two entities and thus reporting my ( me/bill ) as delinquent and issued a late pay and collection notice to my credit bureaus. 

XX/XX/XXXX I have not and still can not pay the bill and the reporting of this derogatory to my credit file is unjust and I want any negative reporting corrected and apology on the mishandling of my patient chart and billing. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are multiple Accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are multiple Accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have noticed this specific charge-off on different credit reports for over 15 years and keeps going to different collection agencies and starting over the age of the account as well as the report date. I have put this same company/debt in my XXXX report years ago and seen it taken off, now it's back reporting negatively on my credit report hindering me from obtaining personal credit and business credit. The collection agency is Eastern Account System for {$1700.00} original lender name ; XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation