vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: FL

Complaint narrative:
The following credit inquries listed below are fraudulent and as a result of identity theft. I have filled an identity theft report regarding these credit inquiries that I personally never initiated or approved. 
XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon recently checking all my credit reports, I noticed a credit card from XXXX reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, XXXX XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX  days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : 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 2022-12-21 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:
There was a hard inquiry on my credit report from " XXXX '' on XX/XX/2022. Shortly after being notified about this I received a full Credit Report from Transunion and saw that there was a new account in my name under XXXX for a credit card that I never activated. I immediately filed a dispute through Transunion and was notified a week later that the results were " Accurate and Updated. '' From there I filed another dispute on XX/XX/2022 and received the same results. I also contacted XXXX directly to try and figure out what happened and attempt to remove the account from my name and they told me that there was no record of me having an account open with them therefore there was nothing they could do. 

So I first need to know how Transunion can declare this being accurate when the company itself has no record of me opening an account with them and most importantly I need this removed from my record as I believe it is fraudulent. I need someone to please help me do this or at least point me in the right direction to do so.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2022 my account was charged {$20.00} we called the bank to inquire about the charge after XXXX hours and talking to XXXX different people XXXX claiming to be managers the last person said it was a charge from XX/XX/2022 an ATM withdraw for {$20.00} the company states that it was not deducted from the account. I found the charge on the ledger showed it was deducted the rep said the ledger was wrong. But the can't prove that the money was not deducted.so I am being charged twice for the same ATM withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MO

Complaint narrative:
My father passed away at the end of XXXX of 2022 and I was trying to settle his account. I was first told by a representative they would talk to me after sending in a death certificate and my driver 's license. After doing that I called again because I had not heard from them. They said they would not talk to me because I was not the informant on the death certificate. After speaking with many of the reps and trying to speak to managers, that were extremely rude, and I was hung up on multiple times, they finally came and picked up my dads vehicle. 1 week later, even after sending them a death certificate, they are still sending my dad letters telling him he is obligated to pay his vehicle off. This place in an absolute joke to work with, the people are not personable, and I have been lied to on several occasions. DO NOT work with them if you can help it.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Management Services, LP
State: AL

Complaint narrative:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with XXXX to tell them I had already paid and settled this account and its still reporting the same

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
well me and family took XXXX  with the XXXX  and didnt get paid in the process. well i called wells fargo to work out the pass do payment which was a month pass do. and while talking to them i was making a half payment in the process to catch up. after about XXXX days of the agreement of working things out to put me back to normal payments they came and got my car.

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 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Unpaid balance reported as a loss by XXXX XXXX Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : 150 days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : 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 2022-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to a divorce decree and having XXXX young children, I was awarded a house as part of the agreement. The original mortgage was transferred to Wells Fargo Home Mortgage. For the house to be transferred into my name only we were told by Wells Fargo agent to submit quit claim deed, divorce decree, bank statements and XXXX. All those documents were submitted a few times. Each time I call to follow up or send email communication, I was told to resend documents that were already sent. A year had passed and no resolve. I was then told that my husband at the time needed to be present and give me full access to receive information because it was his name in the mortgage and not mine. He was away on XXXX, but was able to send a letter along with an authorization form provided by Wells Fargo to give me full access to the account. I had to keep checking the status and was referred to the XXXX XXXX XXXX of Wells Fargo. The XXXX XXXX XXXX would then transfer me to a different department without giving me a status on my application. XXXX XXXX XXXX took my case free of cost and provided me with a lawyer to Resubmit all the paper work and ensure by their underwriters I was eligible to be refinanced or transfer title. While in the process investors started calling and even show up to my house taking pictures of the property. XXXX XXXX XXXX XXXX was told I didn't qualify and I needed to sell the house because it would be put in Foreclosure. I lost pay due to the divorce as well as being out on medical leave due to emergency XXXX. I then obtain XXXX XXXX attorney to help me save my home and stop the foreclosure. Wells Fargo put the house in Foreclosure before the date agreed upon in court. I then had to quickly sell my home below the valued pricing. Wells Fargo still has not removed the Foreclosed that was placed in the home ven though it was sold before the date. I also lost my Job as a result of the XXXX years of going back and forth, taking time off and not having enough days leave to take care of all the legalities with Wells Fargo.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, XXXX XXXX XXXX is inaccurately reporting a balance of {$2900.00} and past due amount of {$480.00} on my credit report for an account that has been charged off since XX/XX/2019.

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 2022-12-21 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: CT

Complaint narrative:
Wells Fargo Repossessed my car last week ( XX/XX/2022 ) and it hadn't been past XXXX  days late!! I had to pay an extra XXXX dollars in repossession fees just to get my car back and I only have XXXX payments left. I have consistently given them money at least every other week. I am disappointed in this company so much. I will never use them again.

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 2022-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
To Whom it may concern, The complaint is regarding the Citi bank product related to Saving account. 

Summary : Opened the saving account with the promotion of {$300.00} deposited after maintaining certain cash balances for period of time, which I maintained based on the company guideline. After multiple attempts and conversation with Citi bank Rep. they could not deposited the promotion fund ( {$300.00} ) in my account and wasn't able to assurance that it will be deposited in a timely manner. In summary it appears that the promotion is just used to capture the customer 's attention and obligation to provide the promotion balance is not taken seriously. 

I would like your help to resolve this issue and help other customers who is facing this kind of similar issue. 

Thank you CFBP for the support. 

Communication timeline : XXXX. XXXX : XXXX. XX/XX/2022 : Reported the issue with Citi Bank XXXX. XX/XX/2022 : Supervisor : XXXX Manager 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with Citibank to tell them I had already paid and settled this account and its still reporting the same

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with XXXX to tell them I had already paid and settled this account and its still reporting the same

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 2022-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX Account Status : Unpaid balance reported as a loss by credit grantor Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : XXXX days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : XXXX XXXXXXXX Past Due : {$1300.00} Most Recent Payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wish to complain about JP Morgan Chase. In late XXXX, I opened a savings and checking account with Chase. They offered a deal where you would earn {$600.00} for opening these accounts and for moving {$15000.00} into a savings account.

Three days after I opened the account, I transferred {$15000.00} from another bank into Chase. Thats when the problems began. Soon after, possibly on the same day, Chase decided to close both accounts. My accounts no longer exist, and I seem to have no way to get my money back. 
I was first made aware of this situation from a letter dated XXXX XXXX, explaining that my accounts would soon close due to recent activity on the account or because you didnt provide information we requested. They never asked me for information, and the only recent activity was the money I moved into the account. It amazes me that they would invite me to open an account and then punish me for moving money into said account. 
The letter indicated that I could call to rectify the situation, but when I did, the lady on the other end explained the accounts were already closed and they would mail me a check for the money. No one has ever been able to explain to me why the account was closed in the first place, but at this point, I just want my money back. 
According to the bank, my account was converted to debit on XXXX XXXX, supposedly in the form of a check that would be sent to me. Its now been more than a month, and I have still not received a check. I have visited Chase branches several times, and no one is able to explain why its taking so long, when I might get the check, or who I could speak to that has any deeper visibility into the situation. 
It amazes me a bank can get away with this kind of behavior. Couldnt they just have frozen my account and asked me to visit a branch to rectify whatever the problem was? Couldnt they have wired the money back to the account from which it came, or called me up and suggested I visit a branch office in the next two weeks to reclaim my money? What would have happened if I needed that money for a medical procedure or a house emergency? 
People put their money in a bank to keep it safe. But what happens when its the bank itself thats the bad actor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2022, I went onto the PA Treasury 's website to see if there were any unclaimed properties in my name. I check this website periodically throughout the year. I was shocked to see that I was owed money from my bank, Wells Fargo! I filed a claim to recover my money. {$130.00} had been sitting in a closed account for over 10 years! I know this because of the address they had on file when the account closed. 

I was also received notification that a check for {$50.00} was sent to me in XX/XX/2022 but it was never cashed. I called them & asked why I was issued the payment. They said that it was from a closed account! I told them that I never got the check. They said they would reissue it within 30 days! I questioned why it couldn't be deposited into my account. They told me they could not do that! I'm still waiting for my check!

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX I had an account at XXXX XXXX XXXX. I had one payment left and Synchrony closed the account, stating items they say were found on my credit report. At the exact same time, they also lowered the spending limit on my JC penny credit card to exactly what I had charged. All of this tanked my credit score! I called and asked them why, complained about their practices and they kept stating something on my credit report, which was NOT true! If I am paying my bills with them, they have NO reason to run my report or to lower the limits. Now that they tanked my credit score, they are doing it againXXXX XXXX is showing that they lowered my limits AGAIN on my JC penny card when I have been making the payments, stating something on my credit report. Each time they lower my limits, it tanks my credit score more and more. I am sure they have broken so many lending rules as well as running my credit report on a consistent basis, when I clearly NEVER signed anything for them to run it-I have looked into locking all of my credit reports so that they can not do this again. Their business practice is in question and I am sure they have broken a bunch of government rules doing what they are doing.

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 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am not XXXX percent sure but I dont think my taxes and escrow are being applied correctly to the mortgage loan

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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
This company opened an account using my personal information with no authorization from me. Medical Data Systems has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. Medical Data Systems has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that Medical Data Systems provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and North Carolina State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

Company response to consumer: Closed with explanation