vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was hacked on the XXXX of XXXX for the amount of XXXX that someone took out of my chime account unauthorized. I contacted my bank in within 1 day I was told that I couldn't receive money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Paid off balance credit line remains on my credit report WELLS FARGO Last reported XX/XX/XXXX Date opened XXXX XXXX ( XXXX yrs XXXX mos )

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 2023-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is the second incident with Wells Fargo Bank , N.A . 

My recent statement reflects a billing cycle of XX/XX/XXXX to XX/XX/XXXX, however the due date is the XXXX of each month. As such my last payment of {$350.00} was due on XX/XX/XXXX and the next payment of {$350.00} is due on XX/XX/XXXX. 

Transactions on the most recent statement reflect the payments listed below. 
XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$300.00} Additionally, a late charge of {$40.00} was billed on XX/XX/XXXX. 

Today, on XX/XX/XXXX, I called to request that the late fee be removed because the payments on XX/XX/XXXX and XX/XX/XXXX satisfied the monthly payment and it was made prior to the XX/XX/XXXX due date. The fact that the billing statement is capturing a payment made before the billing cycle supposedly begins clearly shows that the payment should count. The representative advised that she was unable to waive the late fee because this was the second occurrence and payments have to be made within the billing cycle. 

I also advised that the XX/XX/XXXX payment is supposed to apply to the upcoming payment due on XX/XX/XXXX. 

Most credit card companies close the billing cycle approximately 3 days after the payment due date. However, Wells Fargo 's extended billing cycle treats payments made after the due date but within the billing cycle as an additional payment that does not count towards the next due date. This results in illegitimate late fees. 

I called Wells Fargo a second time today and the representative was able to waive the late fee under a payment posting error ; he still told me to change my payments to after the billing cycle closes.

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 2023-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and XXXX Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. Navy federal XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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 belongs to someone else
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
Its a person with the same name as me thats from Texas thats keep coming up in my background reports. I never been to Texas and this guy has a record thats hindering me.

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 2023-07-06 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: MD

Complaint narrative:
I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )

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 2023-07-06 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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Diaz and Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ). Trying to collect on a debt that is XXXX years old. 
For XXXX XXXX : XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company claims to have issued a refund. Money was not devoted to my account 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 monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I started a new self credit building account with Self. A {$3000.00} self building account with a {$150.00} payment monthly and {$1.00} to start. At the end of the term, Id save {$2900.00}. Seems like a great deal at the time. First payment was {$9.00}, I contacted them and stated that was not was advertised and the fact that I had already started the account, I was bonded by obligations. Second payment was supposed to come out my account ; which the never even attempted to take out according to my bank. I realized it was a ploy to falsely charge me more. I proceeded to make the payment anyways using the save account on file. Third payment, which was due on XX/XX/2023. Again, the money is there, I contacted my bank ahead of time to ensure that thered be no hiccup. Once again, self did the exact same thing. Now despite the fact, {$150.00} has been made.theres only {$37.00} to date of saving. At a rate like that Id be lucky if theres a {$900.00} save at the end of the term ; which they advertised youd save {$2900.00}. Please help ; this is extremely frustrating. Ive been homeless and desperately trying to build my credit to purchase my own home and these companies are deliberately hurting the public. It doesnt matter what time of day you call, theres never a live person to take your call. In the chat, they keep sending to an article as opposed to addressing the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: IN

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 non-monetary relief
Consumer complaint received 2023-07-06 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: IN

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Due to a failed business with a fellow XXXX XXXXXXXX, I entered into a five-year XXXX XXXX bankruptcy in XXXX. I was ordered by the bankruptcy court to not make any payments to creditors, to include my three Bank of Americas mortgages. Bank of America also changed all of my account numbers and blocked me from online portal access. The bank told me this is standard operating procedure for mortgagors that go into bankruptcy. A few years into bankruptcy the bankruptcy judge orders me to refinance my home. Being in bankruptcy, no lender would touch me. After being told no by 68 different lenders, a shark lender offered me a high-interest, interest-only loan. 

This was my one shot to make Bank of America whole and part ways.

Given that I didnt have Bank of America online portal access to check my accounts, I had to rely on my real estate attorney who was managing the loan refinance process. 

This is where the bank error occurred that created this entire new mess. My attorney had requested a payoff from Bank of America. The bank responded that I only had two mortgages with the bank and proceeded to send her two payoff amounts. I immediately challenged the attorney ( see the attached documents ) but she said the bank stated there were only two mortgages and only sent two payoff amounts. This made sense since Bank of America only had two liens on the property. Everything seemed to match up.

Anyways, long story short, the attorneys and title professionals proceeded as-is with the two payoffs and I successfully refinanced the property. 

It wasnt until I exited bankruptcy in XXXX of this year ( XXXX ) that Bank of America started to report me being late on the third mortgage. Which, apparently, still existed. This is when I realized that the bank and my attorneys were in-fact wrong and that a third mortgage still existed. 

I've requested relief from Bank of America and was subsequently denied ( refer to the included documents ). 

Bank of America completely failed to send the HELOC payoff documentation to my real estate attorney. Thus, causing her to not include it in the mortgage closing documentation.

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 2023-07-06 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: KY

Complaint narrative:
After reviewing my investigation report and consumer report I found several inconsistency reporting on this account : XXXX XXXX XXXX # XXXX. 
It is your duty to ensure that all information reported is consistent and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information XXXX. XX/XX/XXXX I was not 30 days late. See my bank statement. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
XXXX. XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid, no data. 
XXXX. XX/XX/XXXX has ok but missing actual amount paid no data. 
Please fix or delete it from my consumer report.

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 2023-07-06 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: National Healthcare Collections, LLC
State: OH

Complaint narrative:
This is from XXXX of XXXX. The insurance was to pay. It had been submitted several times. I also have canceled checks stating this is paid after they had discharged the debt already. 
THIS MEDICAL BILL IS U DER XXXX and is to not be placed on my credit report as of XX/XX/XXXX all medical under XXXX is to be removed. 

Please remove this from my credit report. Its under XXXX and its paid. 

They have also taken steps to remove all medical collections under {$500.00}. This last step went into effect on XX/XX/XXXX, and with this change, its estimated that roughly half of those with medical debt on their reports will have it removed from their credit history. 

If youre one of the millions of Americans with overdue medical bills, you may be able to take steps to ensure this information no longer affects your credit, including your access to employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: TX

Complaint narrative:
Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.

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 2023-07-06 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 found inquiries on my credit report that do not belong to me

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