vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am a customer of Chase Bank and have been for many years. I have a checking and savings account and they hold my mortgage. Just recently they have started to charge me a monthly service fee of {$25.00}. I was told the only way to forgo this fee is if I agree to set up my mortgage payment as an automatic withdraw. I feel like this is the same as holding me XXXX. I pay my loan on time and I don't agree with setting up anything as automatic payments. I'm not sure if this is within their rights to force me to do automatic withdrawals. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Credit Services
State: IN

Complaint narrative:
I owe a debt to a dentist that has been sent to a collection agency. I spoke with them a few months ago and told them I can pay on the XXXX of the month for {$10.00} a month. My husband was currently getting paid each month on that date. In XXXX I did not have funds in my account and the card declined. On XX/XX/2022 the payment came out of my account. I did not authorize the payment to come out on XX/XX/2022. When I contact them the gentleman refused to give me his name and told me that was to bad and I still owed it. I told him I did not authorize it to come out on the XXXX of the month and he told me he did not care. I asked to speak with someone above him and he hung up on me. I called back and he answered again and continued refusing to send me to someone else. Finally he send to me a voice mail. A lady called me back and was yelling at me that I owed and and when I tried to tell her that I did not authorize it she continued to yell at me. I advised her that I do not authorize any more money out of my account and for them to cease contact with me immediately. They had me so upset the way they spoke with me. My XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM 30 days late on XXXX only I would like these negative accounts on XXXX removed : XXXX XXXX  XXXX accounts XXXX accounts removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within 30 days please delete the accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM XXXX days late on XXXX only I would like these negative accounts on XXXX removed XXXX XXXX XXXX XXXX accounts XXXX accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have a US Bank Reliacard that was lost and account compromised. I went to the US bank located on XXXX and XXXX XXXX XXXXXXXX, XXXX and advised of the situation. I expected if anything that the card would be shut down or instructions provided how to do so. I also expected to be able to withdraw my funds from the bank with my XXXX  XXXX ID. To my utmost dissatisfaction I was advised none of these actions could take place. I was denied my finances which caused me an array of harm and financial damage as I needed my funds and did not want a fraudster to obtain access for unauthorized use. 

I did receive a card however, I was assured that the XXXX XXXX would call back to discuss resolution and no call to date, has been received. 

I am mitigating my own risk by contacting the State of Nebraska and advising that I am discontinuing the use and the Reliacard relationship with US Bank as their security protocols are not designed to ultimately protect the people that use their banking products and I also need to find a way to be able to obtain my hostaged funds. 

I believe that this was an Unfair, Deceptive, and Abusive when especially a situation as this occured about a year earlier and they were able to provide funds and get my card shut down that day. To date this debit is still open, the balance is still obtainable to whoever has this card until I can officially get it shut down. 

This is in no way how you treat a customer no matter what US Banking product it is. If it looks like a duck, quacks like a duck it is a duck. If it looks like a US bank card, behaves as a bank card and says US Bank then it is indeed a banking product. 

The only resolution that can be provided is to resecure the card by shutting it down and allow me funds recovery by being able to withdraw my balance from this Institution.

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 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and I had XXXX behind on some payments Wells Fargo wasnt understanding and gave me some problems I was receiving calls all during the evening it was alot of harassment calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have been trying to work a payment arrangements. Now they are calling my wife 's work looking for me. Started today XXXX. I need them to stop calling me 20 times a day and need them to not call my wife at work for the federal government.

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 2022-12-22 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: CA

Complaint narrative:
I have disputed a collection on my TransUnion credit report. I contacted company XXXXXXXX XXXX collection agency using the information TransUnion has on my file and the XXXX told me they don't have any collections against me. They verified using the last four of my social security number. It is a medical debt from an hospital in Indiana. I have never been to Indiana and have health treatment through the veterans department. TransUnion has refused to provide any documentation. I have asked online and through phone calls several times. They have not investigated at all. It was very easy for me to use their info to verify it's not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NJ

Complaint narrative:
My Wells Fargo Debit card was stolen along with my cell phone and other belongings between XX/XX/XXXX and XX/XX/XXXX. I was not able to report the the theft of my card immediately due to the Trauma that I had suffered as well as the fact that my cell phone had also been stolen. Due to this unfortunate event on XX/XX/XXXX I visited the Wells Fargo Branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX in person to report that my Debit Card had been stolen. I inquired and went over several transactions with a bank representative and pointed out/ confirmed that those transactions were fraudulent and not authorized by me. The bank representative assured me that the debit card would be canceled and transactions reported. On XX/XX/XXXX I checked the activity on my account and discovered that the fraudulent transactions continued. There were numerous attempts to withdraw funds and purchase items and other services. Wells Fargo continue to authorized over 27 fraudulent transactions after I had already reported the Debit Card stolen and at any time, attempted to contact me to verified/ confirm the validity of the transactions. An approximate {$2700.00} were stolen as well as over {$900.00} in over draft fees were charged to my account. I reported and filed a claim for this lost with Wells Fargo at that very moment on XX/XX/XXXX. 
Wells Fargo later made the egregious, unethical, irresponsible decision to denied my claim. This has been an extremely traumatic experience for 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 monetary relief
Consumer complaint received 2022-12-22 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: NY

Complaint narrative:
Hi this is XXXX XXXX XXXX, I am contacting the Consumer Financial Protection Bureau about my personal information with Trans Union, They are reporting names, addresses and phone numbers inaccurately. I reach out to them with the right information with copies of my Drivers license, social security card and a credit card statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I've contacted I.C. SYSTEM, INC regarding a ATT U-verse debt that is showing up on my credit report. They informed me that the service ( I assume XXXX XXXX  ) was setup at an address in Illinois. For what it is worth, I've had XXXX XXXX  Stream service ( another ATT XXXX  ) for five years, which should make one question why I would open an account for a second cable service. 

I informed I.C. System, INC that I've lived in XXXX my entire life, and there is no scenario that any service should have been setup at an address in XXXX. This must be a fraudulent account. I made no progress with this company. In fact, they used the opportunity, when I called to dispute the debt, to get my home address in XXXX and update their records instead of doing anything to determine if this was fraudulent. I disputed the debt on the XXXX credit report two times. With both disputes, the results came back within 24 hours with no change. 

This is impacting my credit score. Please note it is the only delinquency on my credit.. 

Seeking help because I've exhausted other means of getting this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I paid my loan off on XX/XX/2022. I have still yet to receive the title. The car is titled in XXXX, so it should've been a simple electronic notification to have the XXXX XXXX send me the lien free title. Chase originally thought my car was titled in XXXX where I bought it, but spent a month gaslighting me and telling me they already released my title, which they didn't because the car was titled in XXXX On XXXX XXXX, after over a month, it seems they finally believed that my car was titled in XXXX, however instead of electronically releasing the title, they requested a paper title which they claim they haven't received yet. XXXX requires the title to be released within 3 days of loan payoff, and it has been 45 so far. Plus I will be responsible for paying the {$25.00} now to remove the lien from my title. I have been trying to sell my car since early XXXX, but now I'm stuck paying insurance and storing the car until I can get all this sorted out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is for a Chase Sapphire XXXX XXXX that has a {$95.00} annual fee, and no foreign transaction fees. On XX/XX/2022 I purchased plane tickets on the Chase website in the amount of {$3800.00} to XXXX XXXX. On XX/XX/2022 I arrived in XXXX, and paid {$2500.00} for the hotel I was staying at as well as {$34.00} for a taxi and {$230.00} for diving equipment rental. All of these transactions worked. Then, on XX/XX/2022, at approximately XXXX XXXX I paid for a dolphin swimming experience for {$270.00}. This transaction worked. two minutes later, I also tried to pay for a parasailing experience, and this transaction was declined. Twice. I then called the number on my card, and the representative said that there were, " no holds on the account, and [ i ] should be able to use it. Try it again. '' I told her It was indeed I who was in XXXX, having purchased all the travel-related items, and that do not block the card. I tried it again, and it did not work. I had to pay with another card, incurring a 3 % fee. Two hours later I received a text from Chase asking if it was I who attempted to buy the parasailing. I replied with YES it was. On XX/XX/2022 I successfully used my chase ATM card at a XXXX bank 's ATM. My Sapphire card continued not to work, and only on XX/XX/2022 was I informed, after I called them in the evening, that the card was canceled. With no instruction from me, and against their own fraud protocol. And against my express instructions that I am legitimately using it. Had I not had a back up card, I could have been stranded. I had my children with me. This is bad enough, but when I called them on XX/XX/2022 to seek remuneration for this catastrophe of their doing, reimbursing me for {$58.00} in foreign transaction fees, that I should not have had to pay if they had not canceled my card in error, a feature for which I pay {$95.00} per year. They refused. The " supervisor '' I spoke to on the phone told me this was " impossible ''. This is also contrary to my history with the bank XXXX credit card division which has previously waived {$60.00} in fees for me previously. It is bad enough that their systems would even allow this kind of thing to happen in the first place. It is tenfold worse that they do not own up to their mistake and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2022, I received a phone call from someone who claimed to be from the utility company XXXX. The person was stating that XXXX would shut down all electrical power to our business if our balance was not paid immediately. The scammer then proceeded to ask me to make a " test run '' payment through XXXX in the amount of {$2400.00}. After this transaction, I quickly realized that this was a fraud and contacted my bank. My bank XXXX Bank of America ) assisted me on that day and stated that they would investigate this case and contact me within 30 days. On XX/XX/2022, I received a statement from the bank stating that they were unable to approve my claim. 
This is deeply saddening turn of events that has affected my personal and business financial stability. Please help me and thank you to all the great people at CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief