vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXXfraud hacking into account. Overdraft fees for subscriptions I never gave permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
Experian, XXXX, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

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 2023-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae is keep raising my payments even with my paying them offf they keep going up another {$1000.00} I find this unfair and not very professional I been having problems with this company for the past 2 years now, I am out of college and sallie Mae and bringing me into debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
They will not show me any proof that they were authorized by me with my wet signature to collect debt from me they are using my private information without my permission therefore it should be removed thats identity theft

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Banked with wells fargo. Money was taken from my 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 2023-01-21 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: TX

Complaint narrative:
XXXX, Transunion, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

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 2023-01-21 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:
XXXX, XXXX, and Equifax must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
BarclayXXXX XXXX published closing date on my account is the XXXX of the month. The interest is charged on that date, listed on my statement each month. It has been posted in XXXX a day early. Customer Service from Barclays stated that the interest charge can be posted a day or two earlier. It has never been the historical case. The Customer Service XXXX with whom I spoke ( XXXX ) on XX/XX/XXXX  stated that the inconsistency could not be explained. My complaint is that the interest charged is inconsistent with the closing date, therefore not an accurate date/interest charged amount as their web site posts, and what the Barclays Bank internal systems lists . Two sets of books is a practice not consistent with published financial statutes. Please advise. Note : The Customer Service XXXX mentioned an internal complaint would be noted on my 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 2023-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I lost my home due to foreclosure issues dealing with Wells Fargo. I was supposed to be paying the house off to own it. My credit is horrible and I cant find my own place of residence because it still comes up on my credit. I am forced to live with others as I cant be on anyones lease nor take out my own.

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 2023-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Hello! 
I am writing regarding my application with Aidvantage under the new Joint Consolidation Separation Act which XXXX XXXX passed on XX/XX/2022. I applied for consolidation on the XXXX XXXX XXXX website and selected XXXX as my service provider. Aidvantage was not even listed on the application to select and receive a notification when it was submitted. XXXX is currently my service provider and has submitted paperwork to Aidvantage to process my application for PSLF. I applied on XX/XX/XXXX, which would allow me to be considered with the Limited waiver policy with the XXXX. 
I have contacted Aidvantage for over a month trying to find out the status of my application for the Joint Consolidation Loan Separation Act. 
I have received two notifications that my application with Aidvantage has been canceled and denied because it is a spousal loan. I have tried to inform Aidvantage that my application should be reinstated due to the new Act which I applied for before XX/XX/2022. 
I feel my application needs to be reviewed and sent to XXXX for processing under the PSLF program. My PSLF application with XXXX was approved on XX/XX/2022, and just need Aidvantage to submit my information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been managing my mother 's checking account for the last year, my name is also on the account, as far as I can tell there have been numerous overdraft fees attached to her account due to fraudulent checks that were cashed by the bank. I have spoken several times to the fraud department with very little help, no correspondence on claims filed. We have closed the account and opened a new account and still the problem persists. Checks that were ordered have never been received! Checks have been ordered twice in 2022 for the new account and still never received. When we notify the bank all they say is wait a couple of more weeks. Her savings account has been drained by overdraft fees!

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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and XXXX XXXXXXXX XXXX about two accounts that showed up on credit report XX/XX/2022 that were old accounts that show I owe nothing and keeps appearing, I have contacted XXXX XXXXXXXX XXXX  every month and they have stated several tines that they have informed Experian for multiple months that I am not responsible for a balance and it should not show. I has now been FOUR ( 4 ) months that this has caused me to be denied lending because of this. Due to this going on for several months and EXPERIAN REFUSES TO COMPLY WITH THE LAW AND DO AS XXXX XXXX REPORTED I believe the law says it is to be deleted from my credit report. This has caused me four months of stress and has now caused medical issues as I am trying to get things done with my life and they are causes an hindrance to my future.

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 2023-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
I was illegally evicted from XXXX XXXX XXXX on XXXX. The apartment was deemed Unlivable by a mold specialist. I moved out of the apartment the end of XXXX. There was a discrepancy in regards paying the rent for that month. I never received my security deposit of {$2400.00} which would have covered XXXX and XXXX which was alleged. After the court date the judge ruled that no monetary value was owed due to my security deposit. XXXX I received a threatening notice from a debt collector. The company claimed that I owe {$4200.00}. The notice demanded payment or this amount would be added to my consumer report. This company sent me an email at a very inconvenient time and demanded payment for an erroneous amount. This email has caused me a great deal of stress. I am currently looking for a new home but the pressure placed on me by this company is taking a toll on my XXXX XXXX.

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 2023-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
BANK TRYING TO COLLECT AN UNCOLLECTABLE JUDGMENT FROM AN UNREPRESENTED THIRD PARTY REAL ESTATE PROPERTY AND EXTORTING CASH UNDER THE FALSE PRETENSES OF MAP ASSISTANCE, LITIGATING DURING HER LONG XXXX  ILLNESS TIME FROM A XXXX  AND XXXX XXXX SENIOR WHERE HER DAUGHTER WAS PROMISED A ''WORKOUT '' TO DISMISS THE ISSUE THROUGH MAP AS SUCCESSOR IN INTEREST OF XXXX XXXX AND XXXX OF XXXX XXXX Nationstar dba as Mr Cooper is threatening to " sell our house without a hearing '' in XXXX  for an uncollectable judgment for a discharged debt of XXXX, with someone else who has not been on title since XXXX. 

Nationstar is trying to seize an asset of a third person to attempt to collect funds from a debt of a third party who is not on title. 

Nationstar has colluded with the debtors referred as " cons '' by attorneys consulted to swindle funds from a senior who has been inflicted with XXXX XXXX and take advantage of her XXXX to not only threaten her constantly that they " will see her house '' without a hearing but also collected the funds that have been deposited in court for the settlement of all debts in the house. 

This was a transaction originated and offered by XXXX XXXX The title is in XXXX XXXX 's name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: MS

Complaint narrative:
KLS FINANCIAL SERVICE XXXX XXXX  {$110.00} Ive tried several Times to dispute this information to have it removed from the credit bureau because its damaging my credit and the creditor refuses to do so, and now its been passed all medical debt under {$500.00} is supposed to be removed and they still will not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Fayservising llc had bought my mortgage and failed to notify me that they were not going to accept my auto payments any longer I did not find out until I was already about 4 months behind then they changed the name of the company and so much more non professional practices and at one point refused to take payments from me and then told me I had to mail all the payments in at once and could not take anything other than everything that was behind no partial payment and I had to mail it to them after only paying my bill over the phone for years prior and now they charging me all different kinds of things I believe is just so they can foreclose on me I have only been late a few times over the life of the mortgage and now I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: AL

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.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Overdraft fees account freezing transfer fees deposit fees close my 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 2023-01-21 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: FL

Complaint narrative:
I received an alert from Experian that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXX. I filed a dispute with Experian but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with Experian but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. 

This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an email alert that there was a charge on my Citizens credit card that I had not used in a year. I logged in online to check and found 3 charges I did not make. The three charges were made : XX/XX/XXXX XXXX *us postage {$46.00}, XX/XX/XXXX stamps.com *us postage, and usps stamps endicia {$45.00}. I immediately called Citizens at the phone number XXXX at XXXX XXXX  EST and was on the call for 62 minutes and 13 seconds. I was told my dispute was opened already by the fraud department and my card would be cancelled and a new card sent. I was also told I would receive a letter from Citizens outlining the dispute. I have not received a letter from Citizens and the charges are still sitting on my card and now have been assessed interest and a late payment fee after being told I was not liable for fraudulent charges. After I did not hear anything from Citizens I called the same # on XX/XX/XXXX at XXXX XXXX  EST and was on the phone 46 minutes 24 seconds. I checked to make sure the claims were filed and told I would receive a letter or call from Citizens and not liable. I didn't receive a letter or call so contacted Citizens again at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to another specialist for 38 minutes and 41 seconds. Now I am showing that I still owe for the fraud charges plus a {$29.00} late fee and $ XXXX interest. I have not received a letter or call to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
i was charged in proper overdraft checks held long time and never should have been being charged overdraft. i then changed banks they inpropetly charged me XXXX  of dollars

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 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged late fees wrongfully, Placed my full monthly payment as a unapplied payment. Forged loan documents for the loan paperwork. Incorrect application process for a loan modification. Attempted to foreclosure on my home. I had to get an attorney to save my home from foreclosure.They put foreclosure information in the local news papers. After spending nearly {$24000.00} on attorney fees. Wells Fargo lost. We were able to keep our home but it took all of our savings.When my credit recovered from situation, We we're finally able to refinance with a reputable company.

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 2023-01-21 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: TX

Complaint narrative:
Experian has not removed numerous credit inquiries on my report despite my notifying them of identity theft. The following are Unknown, Unauthorized and Unrecognized XXXX that EXPERIAN has continued to falsely and inaccurately report. 
These are Unknown, Unauthorized and Unrecognized by me and must be deleted by EXPERIAN. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 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: AL

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.

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