vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone had access to my account after Chase Bank 's fraudulent department contacted me. 

On XX/XX/2023 I received a call from Chase Banks Fraud Department informing me that someone tried to make a purchase at XXXX XXXX in XXXX for an amount of {$390.00}. And that it was declined. 

Friday, XX/XX/2023 I logged into my mobile bank and noticed my SAVINGS ACCOUNT was debited the amount of {$280000.00} with a total of 36 debits of {$80.00} per transaction. 

XX/XX/2023 - 18 ATM Withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 
XX/XX/2023 - 18 ATM withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 

On Tuesday, XX/XX/2023 / XXXX I received another text and a call from Chase Fraud Department regarding a transaction for {$170.00} for an XXXX XXXX purchase from BUSINESS ACCOUNT. The text states if this is not me, we will close your current card and send a new one. ( of course no card was sent ) On Tuesday, XX/XX/XXXX, XXXX XXXX I received another text from Chase Fraud department for my BUSINESS ACCOUNT for the amount of {$1700.00} and if its not me they will issue me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a pre approval offer in the mail. I responded to the offer by applying and was approved for {$3000.00}. The card was issued and I used the card to purchase a book for school in the amount of {$200.00}. After the purchase I was notified that the account was suspended or restricted. When I contacted Capital One I was told I would need to identify myself. I did so by providing my social security card, driver license and passport after initially being told the driver license didnt pass and they told me my account was still restricted. I have checking and savings accounts with Capital One for over 10 years, from XXXX and do not understand how an account can be labeled as fraudulent and still be listed on my profile for my to access. How the same identification I use for the other accounts is acceptable but not for the credit card. How can an account Im responsible for is labeled as not my account. When trying to resolve this matter Capital One position has been held at " we cant do anything other than accept payments due to the restriction '' I received an offer to settle the account, when I followed up to accept the offer I was told by another employee that because the account is restricted its nothing that can be done. The interest rate is different from the offer received and responded to as well. They refuse to help and when I ask for someone who can help I am told they dont accept customers calls. They will not confirm anything in writing, will not provide contact information for a department who can assist. And refuse to send me the transcripts of my recorded calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I moved to another state and dont live in XXXX XXXX anymore and I am being charged for debt that I did not create. Someone is opening up Accounts in 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 2023-08-15 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Santander Consumer USA Finance 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. I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I had XXXX in student loans from my XXXX and XXXX  schools. These loans were through Nelnet, and I made XXXX in loan payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I refinanced my remaining loans ( XXXX ) through a private loan servicer ( XXXX XXXX to reduce my interest rates. When XXXX announced the XXXX of student debt relief last year, I requested that Nelnet refund me the {$6400.00} worth of payments I had made before I refinanced my loans. They refunded me this amount, and I received a check for this in XX/XX/XXXX. However, I then saw that my balance with Nelnet went back up to XXXX. I called them, and they said they accidentally refunded me the full remaining account ( even though I only asked for XXXX and the remaining loan was refinanced and not my own payment ). I asked them to cancel it and they said they couldn't. I never received the check, although it was addressed to my name and current address. I called Nelnet monthly until XXXX, when they finally told me the check had been cashed in XX/XX/XXXX. Then sent me a copy of the check that was cashed, which was cashed with a forged signature for myself, and at a bank that I do not have an account with ( XXXX XXXX  ). I immediately filed a police report, but the police have not done anything to resolve this. Nelnet initially said there was nothing they could do, but after I threatened to get a lawyer involved, the submitted a form to the US treasury and said I should receive a " fraud packet '' from the treasury. It has been 2 months and I still haven't received anything and Nelnet says I just have to keep waiting. However, student loan interest resumes in 2 weeks and Nelnet still says I owe XXXX, and the interest will accumulate very quickly on that amount ( which I shouldn't owe ). I have asked Nelnet to provide a written statement that they will not charge interest while this is being resolved, but they won't do it. I am very concerned that I am going to owe additional money on top of the loans that I shouldn't owe, all due to Nelnet 's mistake ( and also errors with USPS allowing my check to be stolen because I have a locked mailbox, and at XXXX XXXX for allowing a XXXX check written to me to be fraudulently cashed ). This has also impacted my credit score, because I owe loans in 2 places now - the XXXX with Nelnet and the XXXX I refinanced with XXXX which I have been paying off. This has also taken a substantial amount of my own time and energy due to the mistakes of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage acquired my mortgage loan over a year ago from my previous lender and they failed to pay my hazard insurance despite my faithfully made mortgage payments. My taxes and insurance are impounded from my mortgage. I have had the same hazard insurance for the past three years with two different lenders and had never encountered an issue or non payment until Freedom Mortgage assumed my loan. My hazard insurance policy is now cancelled due to non-payment, despite me informing Freedom Mortgage that they failed to pay it and it was on the verge of cancellation. I have made contact with Freedom Mortgage telephonically 5 times about this issue and each time I spend almost an hour on the phone with them and did not come to a resolution. They informed me that I needed to purchase another hazard insurance or they would purchase one for me at a higher cost, with less coverage than I had before. I have been without hazard insurance for over a month now and supervisor XXXX advised me that Freedom Mortgage secure insurance through their own company and I'm starting to see a pattern here because apparently this happens a lot with this lender. My previously canceled hazard insurance would not accept my business again due to Freedom Mortgage 's incompetence in paying my premiums in accordance with regulations and law. I should not have to pay more than I was paying for due to their negligence, nor should I be subjected to less coverage than I previously had.

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 2023-08-15 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Case Number : XXXX Account Number ending in : XXXX Consumer Financial Protection Bureau, Case Number XXXX XXXX XXXX XXXX first let me say thank you for responding to my concerns. However, I do not feel that this matter was thoroughly reviewed and that my issues have not been properly addressed. I will explain why below : About the claim : On XX/XX/XXXX, claim number XXXX ( Reference Number XXXX ) was created to dispute the transactions totaling {$1500.00}. The claim was denied and unpaid. The Claims Assistance Center determined that the transactions were authorized or that a processing error did not occur. The provisional credits of {$500.00} and {$1000.00} were reversed from the account ending in XXXX on XX/XX/XXXX and on XX/XX/XXXX. Were you aware that when the dispute was first filed that my funds were initially reversed and returned to my account? Should the funds have been reversed at that time ( XXXX ) if the investigation was still pending? It was not until XX/XX/XXXX and XXXX of XXXX that the funds were then reversed and deducted from my account for the reasons you gave above. Can you advise as to why 3 months ( XXXX ) and then 5 months ( XXXX ) funds were deducted from my account from a dispute I filed in XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: VA

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-15 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: VA

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My account has been involved with fraud. I had {$2000.00} drained from my account due to fraudulent charges. I was been contacted by what I thought to be Wells Fargo as the phone number on the back of the card matched and was on the phone with his so-called representative for over an hour. That also turned out to be fraudulent. When I realize that my card was still getting fraudulent charges the next day, I called Wells Fargo and they stated they had not seen any remarks about anyone talking to me the day prior. I have since done over the last few weeks intently. Been trying to get a hold of somebody to help me. They did credit some back to my account in the amount of XXXX something dollars however then sent me a letter stating that my case was closed due to their investigation being complete and stated that either I made the charges or give somebody permission to make the charges which neither are true. I still to this day XXXX fighting to get my {$2000.00} back that I got for my high school graduation and I am not being able to get anywhere with anybody without being transferred several times or hung up on. Please advise me of what I can do in order to rectify the situation.

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 2023-08-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, 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. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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:
On XX/XX/2023 I noticed multiple unauthorized transactions on my account. I first noticed {$240.00} charged at a XXXX XXXX in XXXX XXXX CA and an additional {$40.00} charged at a local XXXX. I noticed after seeing these charges that my card was no longer in my purse and must have been lost or stolen recent to these charges. I contacted Wells Fargo to open a claim to reimburse the {$280.00} worth of unauthorized charges on my account and was later declined. The reason for the denial was said to be due to the charges being within a 16 mile radius of my house as well as the card being used as chip or tap for some of the transactions, even though that does not always require a pin to be used to complete the transaction since the person who made these purchases did not have my pin. I never received an update on my claim, and had to reach out to Wells Fargo for this to be explained to me 2 weeks later, far beyond the 10 day window they promise. Im very disappointed in the lack of protection of my account, especially since this is what Wells Fargo says is one of their main selling points for opening an account with them.

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 2023-08-15 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief