vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
Called chime customer service today and verified my direct deposit information and reviews paystub to see if all information is correct and it is and has been changed in employer system two weeks ago and no direct deposit available to my account today. There solution is to be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I made a payment yesterday for the amount of {$150.00} to my XXXXContinentalFinance Mastercard credit card. This amount has already cleared my checking account but Surge isnt releasing the available credit line that should be available to me. This has never been a problem in the past when I have made a payment the same exact way. When I called them they stated they had recently change their policy. It now takes two business days for the new credit line amount to be available. That is unacceptable to me if they already have been paid by me. They also said that I could make a payment by using a debit card but that option isnt available on their website only by calling in to talk to a customer service rep and paying a fee to process a payment with them. This is totally unfair to me as their customer. I have been an excellent paying customer since I open this credit card. Please call them to get this issue resolves See attached document that show Continental Finance who is XXXX has been paid {$150.00}. This isnt a pending charge. The amount of {$150.00} has been taken from my checking account.

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 2023-06-23 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: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NH

Complaint narrative:
For 20 years I held a free checking account at XXXX XXXX XXXX. Over that time I never accrued any fees of any kind. 

I moved away with an XXXX XXXX assignment a long time ago and since forgot about the account where it continued to never accrue any fee or charge of any kind. 

First Interstate Bank acquired XXXX XXXX XX/XX/2022. 

Without my knowledge and without any contact, the account held there immediately started accruing completely arbitrary and predatory {$25.00} fees for various reasons and now there is over {$230.00} in overdue charges. I only just learned about this because of a recent credit check I ran. 

Since I'm not in the area, I can not attend to this in person and there doesn't seem to be a way to remedy this amicably or close my account in an easy manner as I wish. 

Now they posted an 30 day overdue account to my credit report and my flawless credit took a XXXX point hit, all because they want to apply random fees and charges that were never part of my original account -- terms that I never agreed to nor was even made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: WV

Complaint narrative:
I signed up for a checking account with a signup bonus / promotion. I met the terms of the promotion, but did not receive the bonus. I called on three separate occasions ( spaced weeks apart ) to check on the status of the bonus. During the first 2 calls, the rep suggested they would file some report asking for more info on why the bonus wasn't applied, but they never followed up and I still haven't received the advertised bonus.

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I HAVE REPEATEDLY FORWARDED TO WELLS Fargo FORECLOSURE DOCUMENTS THAT I HAVE IN POSSESSION THAT CLEARLY IS A PERFECT EXAMPLE OF " ROBO SIGNING. '' ESSENTIALLY, UNSIGNED NOTICE OF FORECLOSURE DOCUMENTS. IN THE MOST RECENT LETTER RECEIVED ( DATED XX/XX/XXXX, XXXX ) BY WELLS FARGO, THIS COMPANY STATED " WE FOLLOW ALL APPLICABLE FEDERAL AND STATE REGULATIONS WHEN SERVICING ACCOUNTS AND RESPECTFULLY DENY THE ALLEGATIONS OF ROBO-SIGNING AND THAT THE FORECLOSURE WAS NOT HANDLED LEGALLY AND CORRECTLY. '' IN THIS SAME LETTER THE FOLLOWING STATED " WE DENY YOUR REQUEST FOR COMPENSATION. HOWEVER, WE WILL CONTACT YOU IF CUSTOMER REMEDIATION APPLIES TO YOU WE HAVE ALREADY COMMUNICATED WITH MANY OF THE COSTUMERS WHO MAY HAVE BEEN IMPACTED BY THE MATTERS COVERED IN THE SETTLEMENT, AND THOSE EFFORTS ARE ONGOING. '' MY CONCERNS : I AM APPALLED AT THE FALSE ROBO-SIGNING DENIAL ATTESTATION AS STATED ABOVE BY WELLS FARGO. 

I HAVE NOT BEEN CONTACTED WITH REGARD TO ANY CUSTOMER REMEDIATION AND THEIR STATEMENTS IS VAGUE. 

WELLS FARGO DID NOT ANSWER A PREVIOUSLY ASKED QUESTION IN MY PREVIOUS COMPLAINT AS THE WHETHER OR NOT DID WELLS FARGO PROVIDE CUSTOMER REMEDIATION OR FINANCIAL REIMBURSEMENT TO ANY CUSTOMER WHO LITIGATED THEIR CLAIM IN A COURT OF LAW. 

WELLS FARGO STILL JUST REGURGITATE ACCORDING THEM THAT SENSE THE COURT DENIED MY CLAIM THEY ARE NOT RESPONSIBLE FOR " ROBO-SIGNING '' WHICH IS AND STILL IS ILLEGAL. 

ROBO SIGNING WAS ILLEGAL ACCORDING TO LAWSUIT BROUGHT AGAINST BY " CFPB. '' I STILL ELIGIBLE DUE TO WRONGFUL ROBO SIGNED FORECLOSURE DOCUMENTS. 

XXXX XXXX XXXX XXXX FORECLOSURE PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX 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 2023-06-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For my Experian Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXXXXXX XXXX XXXX specifically ) There are also inquiries on my XXXX Report that I dont recognize as well

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 2023-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing about account number ending in XXXX at Bank of America , N.A . 
Bank of America has made repeated errors since XXXX. I have made numerous calls to request them to fix the problem, but the problems persisted. I am specifically referring to case # XXXX, case # XXXX, case # XXXX and case # XXXX. 

On XX/XX/2023, I sent a letter to completely explain the amounts paid and my estimate of their error in the amount of approximately {$540.00}. I had made the following extra payments which should have been applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 Because they failed to follow my repeated instructions, I sent another letter XX/XX/2023 explaining the following extra payments should be applied to the principal : XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX on XX/XX/2023, and XXXX on XX/XX/2023 According to their own policy : If you don't contact us or we don't receive written instructions from you, and you attempt to prepay more than one periodic payment, we will apply those payments to the principal balance of the loan. '' Thus they failed to follow their own policy repeatedly. First they should have applied as stated since they received the extra payments without instructions. They failed again after making calls to declare that those payments should have been applied to principal. They have failed to respond to either of my letters. 

The matter remains unresolved and I need assistance and advise to seek my rights as I feel I have had to spend too much of my valuable time reporting the bank 's errors in violation of their own policies and am concerned what other errors the bank is not handling.

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 2023-06-23 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: TX

Complaint narrative:
I have a request from Equifax to remove unauthorized credit inquiries and they advised they can't remove them without a report. 

Please see the credit inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: NY

Complaint narrative:
Remove XXXX XXXX XXXX inquiries from consumer report. Please see attached letter from 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 non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
This bill is something that I have not received a statement for. It literally showed up on my Credit Report around two months ago. I disputed and the two credit bureaus have allowed it to stay on my credit despite not have a legitimate statement of a bill of any kind to tell me when this so called transaction happened, etc. Ive had health insurance for many years and usually dont receive any amount owed. This is the reason Im clueless as to what this bill is and why it went straight to my report. If it is an extremely old bill, I thought there were limits on how many years one can seek to purposely damage credit. Please investigate and let me know the dates, the place of service, etc as I have no clue since I havent/didnt receive anything concerning this transaction! Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
2022 I discovered I was the victim of fraud and that my credit information was being used by others. I had approximately {$28000.00} stolen from my bank account and had to close and open a new account. Numerous credit accounts were opened unknown to me, in my name. At the time a relative was living with me and using my credit information, my social security no. and other vital information in my name. I reported that these were not my charges, this was written off by the credit card co. and sold to a XXXX XXXX XXXX. I have requested a police report from the police department in XXXX, PA, and requested assistance from the XXXX XXXX XXXX in XXXX XXXX PA and reached out to the Pennsylvania Attorney General with no help. After months of corresponding with the Area Agency on Aging, they promised they were speaking to Police Dept., Secret Service to track down and then discovered they were no longer assisting. My brother, who was living with me at the time, died XX/XX/2022 and had been using my credit and opening these cards- I believe another party who he met on the internet and I believe was being scammed, was involved and using this information as well ... These are charges I did not make and I am not aware of but can get no help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-06-23 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX with Social Security XXXX XXXX and XXXX XX/XX/XXXX. I am XXXX and need assistance with housing but the following information on my credit report is stopping me from getting loans. I need the highest credit scores possible from ALL 3 Credit Reporting Agencies. Can you please assist in removing the following within 14 business days? 
Respectfully, Please remove- XXXX XXXX  XXXX Please remove the following EMPLOYMENT INFO : This is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Please Remove the following : ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please remove Hard Inquiries : XXXX, XXXX Inquiry : XXXX XXXX, XXXXXXXX + Miscellaneous Reptg. Agencies EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX OF XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX Please remove CLOSED ACCOUNTS from Loans and Inaccurate Account from XXXX ( This is not my account- Ive never had XXXX ) OTHER LOANS XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$73.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had three charges on my bank of America account that I discovered on a closed account that was showing delinquent on my credit report. I contacted Bank of America and discovered three charges that were made which I did not make nor authorize. I spoke with the disputes department who started a claim. I was also instructed to file a police report of the fraud which I did and forwarded to them. 


-- Case # XXXX Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$120.00} Date XX/XX/2017 Charge : XXXX - {$22.00} Date XX/XX/2017 Bank of America responded to my inquiry with a generic response stating they investigated the charges and said they confirmed statements were mailed to the address I provided which has nothing to do with fraud on my account. 

I greatly appreciate any and all help resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: OH

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

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 2023-06-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Ive paid that off years ago and call the company and told them Im not using the card every again then they were still charging me XXXX XXXX  I paid my closing balance two years ago and they still saying I have this balance comenity they just closed my account without letting me sign in to my account to make the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my Transunion Report that I dont recognize as well

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 2023-06-23 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: PA

Complaint narrative:
For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my XXXX Report that I dont recognize as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app have closed my account twice for apparently no reason! I was told there was suspicious activity on my account which I rarely use cash app! They couldnt even explain to me why it was closed they just did it! I dont think this is right because they arent giving me any information to why they keep doing this and if someone is trying to get into my cash app account they arent trying to figure out whats going on just blaming me for everything and this is the second time they have done this to me without no explanation

Company response to consumer: Closed with explanation