vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX Me and My girlfriend with signee on the account Deposited XXXX in atm Never received receipt or money showing in account inside the branch immediately once got to the teller told them what occurred and he provided me with an atm terminal number was told to call the XXXX customer service. 
Once called customer service I filed claim. 
By XX/XX/XXXX Monday still no results I called back to customer service and was provided a claim number then proceeded back to the branch asked to speak with manager ( XXXX XXXX ) file complaint about the atm machine and also regarding the claim then the manager called the XXXX customer service number what was told me this will be moved to high priority. 
Wednesday XX/XX/XXXX still no money in account I called back customer service was told I should see funds within 24hrs and if not to call back. 
XX/XX/XXXX Called back to customer service explained to call back if no funds in 24hrs I was told then I should it was approved should see funds within 1-2hrs asked again to confirmed I heard correctly after 3 hrs passed no fund call back to customer service first rep was not explaining well I asked to speak with supervisor cuts me off to say there was no money found. From call back to branch spoke with same branch manager he stated they have looked in atm machine and will tonight and apologize for the miss information from back office. 
XX/XX/XXXX temporary credit was issued. 
XX/XX/XXXX credit was taken by me XX/XX/XXXX credit was reversed sent account in overdrafXXXX XX/XX/XXXX - Stated no money was found and sent email to manager and opened 2nd investigation. 
XXXX Manger stated some money was found but not all XXXXagent states no money at all was reported Bank Manager- XXXX XXXX XXXX log : - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX - [ ] XX/XX/XXXX and in person - [ ] XX/XX/XXXX in person - [ ] XX/XX/XXXX and in person

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am a student loan borrower with Navient, and I make my payments on time every month with no outstanding balance. 
However, Navient has called me on 3 separate occasions trying to locate another borrower who is in no way associated with my account. ( I have Navient in my contact list and they appear on my caller ID as being from Navient. ) I told them the first time not to contact me about other people 's accounts. They said " Okay '' and we hung up. The second time they called me about the same account, and I advised them not to contact me unless it was specifically about my account, at which point the caller from Navient said " What account are you talking about? '' I told them not to call me again and we hung up. The third time they called I again advised them not to call me regarding this person 's account and hung up. I have other friends who are being contacted by Navient about this person 's account who also have no connection with the Navient account in question, and I will be advising them to also file complaints with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have paid every single monthly principle payment but NewRez and Shellpoint are committing a crime in a land grab of my property. 

They returned my payment for the month of XXXX. XXXX was paid and not sure where they deposited that payment. XXXX was just paid and there is no record of that payment either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank ( Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX. ) Request to ammendment credit bureau inquiry dated XX/XX/2023. Dispute ID # XXXX My XXXX Credit Report shows another WF Fraudulent inquiry dated XX/XX/2023 from W.Fargo. I have been experiencing Identity theft for 15 months thus far. I've asked W.Fargo to fully remove this Fraudulent Inquiry from my XXXX Report. 
Their response : we have contacted the Customer Reporting Agencies to request an adjustment to your Credit Report. This inquiry will be reclassified so that it is not reported to other requestors of your Credit Report. In accordance with the requirements of the Fair Credit Reporting, all inquiries will appear on your report for up to two years. 
This is not good enough!!! This is a Fraudulent Inquiry and I want this FULLY REMOVED FROM MY CREDIT FILE!!!!

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am writing to follow up on my recent dispute regarding unauthorized inquiries on my credit report. While I appreciate the efforts made to address the issue, I am concerned that the remaining unauthorized inquiries remain unresolved. Please see attached the FTC Report that I submitted previously highlighting these unauthorized inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Hello CFPB, My complaint regards extra payment not being applied to reducing principal balance. 

My regular payment is {$480.00} monthly. On XX/XX/XXXX, I paid {$1100.00} ; XX/XX/XXXX, {$800.00}. The extra amounts went to a category called " Suspense. '' Why? I don't know. Before all extra payment applied to reducing principal balance. 

I don't want to call every month requesting the extra amount be applied properly. On XX/XX/XXXX, the company said the problem would be fixed, but it occurred again on XX/XX/XXXX. 

Again, I don't want to have to call endlessly to have this problem corrected. 

Thanks for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
I have a Gemini account that was last accessed in XX/XX/XXXX. I have made a number of attempts to long into my account with XXXX XXXX that Gemini asked me to download. 

I have not been able to log into my account and Gemini support claim my phone number ends in XXXX which I don't recall. I checked my XXXX phone records and there's no phone number that ends in XXXX. 

XXXX, a rep from XXXX emailed me and stated that : XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Thanks for reaching out to XXXX Support. 

My name is XXXX, and I am more than happy to help you with your request. 

The phone number registered at the moment is the XXXX ending in XXXX. Can you please send me a screenshot of the console? 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account is paid and up to date and they will not update my payment information.

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I contacted Wells Fargo regarding a cash deposit that was made before their cut off time. They did not honor their grace period, nor my same day deposit and posted my deposit the next business day. Consequently, I was charged an overdraft fee of {$35.00}.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account LVNVFUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) have been reporting inaccurate information on my credit report for a long time and XXXX failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be updated for accuracy and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. Veros credit refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. Veros wont do anything although they made me file fraud report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JTM Capital Management, LLC
State: IL

Complaint narrative:
This company jtm is a company reported on my credit report that I owe a debt to them and Ive never signed a contract with that I asked for a payment break down and the original contract that. I also noticed they are not licensed to collect debts in Illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX 3 unauthorized wire transfers were made from my business checking account with Capital One. {$18000.00} @ XXXXXXXX XXXX to XXXX XXXX XXXXXXXX XXXX. {$29000.00} @ XXXX to XXXX XXXX XXXXXXXX XXXX and {$28000.00} @ XXXX to XXXX XXXXXXXX XXXX. Capital One also charged the account 3 {$25.00} fees for the transfers ( total {$75.00} ) For each of these unauthorized wire transfers I was sent an email notice timed the exact time of the request and the sent. 
I spoke with Capital One about XXXX XXXX that day and was told it was in enough time to stop the transfer. 
I have spoken with Capital One regularly and have only received stock answers like we cant give you that info.nothing can be done till the investigation is complete, you cant speak with investigators. 
I have spoken with supervisors also with no help. 
We have had this account for many years and have never authorized Capital One to make wire transfers. 
We were not notified in advance that transfers were submitted and sent.. 
computer algorithms should have flagged these requests for transfers. 
We feel like we are being stonewalled. 
Please help us with the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate 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 non-monetary relief