vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1691s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: NC

Complaint narrative:
on XX/XX/XXXX I was approved for a secured credit card from first progress. I've submitted a deposit of {$200.00} dollars and still haven't received my card and no one from the company seems to not know whats going on. It's been almost an entire month and I'm out of {$200.00} dollars. I have bills to pay and have fallen behind because of this. it's damaging my well being to the point I had to borrow from family which now im in even more debt.

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 — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Unnecessary overdraft fees repeatedly charged to my accounts and tellers were unable to explain the fee charged but highly demanded they be paid resulting in closing my accounts

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 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: Chime Financial Inc
State: MT

Complaint narrative:
This is for Chime bank, I submitted a dispute XX/XX/XXXX to chime support service and they have looked into it and dispute is still pending. I have called them just about every week asking for paperwork on the money I apparently owe them but they can not provide that information, I have asked what I owe them several times and they state that I owe them nothing, and it shouldnt be showing a charge, though on my credit report I am having points taken off every week because they keep reporting I owe them {$640.00} XXXX week and {$320.00} another then {$310.00} and back up to {$640.00} in a cycle, though they have no record of it. I have lost over XXXX points because of this and now every time I call they hang up on me.I am lost on where to go now. They are knocking down my credit report weekly charging the same things

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We refinanced an auto loan we had with wells Fargo and we never received any money back on our gap insurance.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
We had landscaping work done here by a local company. When payment was due, the landscapers site and email was hacked and we were sent emails that indicated a wire transfer account to which the funds could be sent. Note that in the emails other members of the landscaping company were copied, providing some measure of comfort that this was legitimate. We sent the wire transfer to the JP Morgan Chase account which was listed as the name of our landscaper. This was a fraudulent account. The money in the account was quickly removed. Our inquiries had Chase put a hold o the account but too late. In our later interactions with Chase, they related that the individual had opened another account. They put a hold and that account was again closed.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters. 

I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor. 

However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding. 

The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a walmart credit card account which is in collection the problem is the amount is wrong and also the dates are wrong. please delete this account. 
plus i want proof of ownership of this debt via of a written contract signed by me if you can not provide proof you must delete this account by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: KY

Complaint narrative:
on previous complaint with collection account XXXX XXXX XXXX XXXX, i submitted a document showing to Transunion credit reporting agency, the information is inaccurate, and requested to remove XXXX collection account from my credit report. They closed the collection account, don't removed and days later they reinstate again this collection. How much time we, the consumers have to wait for this credits agency to do their job following federal laws, they are breaking all the federal laws without any problem and the federal trade commission don't do anything. Also, I've been received from Transunion, a letter where they place a security alert without removes those inquiries and i never allow any written consent to them to place any alert, remove theses alerts and inquiries 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 non-monetary relief
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account says XXXX dollars but they closed my account and I know I had money in 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was closed due to claims I made to be reimbursed for fraudulent activity on my account. Over the XXXX years I banked with Wells Fargo Ive dealt with money coming out of my account unauthorized, Multiple Fees that came out more than once per month, purchases that didnt match what was actually spent etc.

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: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo refused to work with us. Husband had XXXX XXXX we got behind d on payments. Ended up losing our home after being there 10 years. Forced us to do short sale. On top of all the hassle they put us threw our realtors group bought the house a d using for a rental. We lost a lot of money because of wells fargo.XXXX.. please help.. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had a target credit card which is now in collection. the problem is the amount is wrong and the dates are wrong, plus i need proof of ownership of this debt. i need proof via a written contract signed by me with my signature on it. if you do not have such proof you must delete this account by law.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer since approximately XXXX. During that time I have had checking and savings accounts the entire time. I have also had my school loans through Wells Fargo which were paid off in approximately XXXX. I also had multiple home loans between approx XXXX and XXXX. 

I have become aware that there is a consumer lawsuit that has been settled which affects customers of WF during this time period that had various accounts and loans. Obviously since I had many types of accounts during the time period in question, Id like to find out if this affected me at all and if I am owed anything to correct the issue. 

I do not feel comfortable supplying my account number. I will supply my current address which Wells Fargo has listed for me currently and they can look up the account numbers and loans associated with my name.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please investigate and delete the following account as the last payment on the account was made over 7 years ago : XXXX XXXXXXXX XXXX  account XXXX In response to my previous complaint regarding this matter, Equifax advised that XXXX XXXXXXXX confirmed that the last payment was made less than 7 years ago but did not provide any proof or even say what the date of the last alleged payment was. Please request XXXX XXXX to provide that information to support their allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries that I didn't authorize

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 card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a kohls credit card which is now in collection. the problem is the amount is wrong and the dates are wrong and inaccurate. please also provide me proof of ownership of this debt via a written contract signed by me with my signature, If you do not provide such proof you must delete this account by law,

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a victim of identity theft, I was XXXX from XX/XX/22 to XX/XX/22 My bank account at Chase bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX and filed a police report, I have provided all the documents and they are still giving me a hard time. 
Chase bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo stole money from me. They gave me a credit for some car repair services that were not performed on my vehicle. Then they took it back. It was not my fault they revived everything by from me they asked for by the time frame they told me. They messed up not me. Then they closed my account and filed with collections. Now I can not open another checking account and they are harassing me to pay them more money. 

They are bullies! Please someone help me with this, Im desperate.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
All of XXXX and XXXX up till XX/XX/XXXX was consistently over drawn account and doing a process they called reordering or something to where they would show a certain amount in my account ( and I only used my debit card except for my mortgage ) then the next day show me with an overdrawn account and this happened almost every month sometime if I got hostile they would credit a few fees but maninly told me this was there practice and it was nothing I could do about it, overdrawn account so bad that when I left my job in XX/XX/XXXX I had to change banks it was the worst experience ever and I still owe them around XXXXXXXX XXXX because of this issue

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: I.C. System, Inc.
State: CA

Complaint narrative:
Couldnt verify original contract with my wet signature, payment history they couldnt supply me with and proof of ownership

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 — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you

Company response to consumer: Closed with monetary relief