vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
I am afraid the three credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of death auto trails I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-06 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: MI

Complaint narrative:
It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, The Chase online payment service has misguided me which resulted in an interest charge recently. 

I'd enrolled the e-bill service for XXXX credit card with the Chase bank and set up a monthly of automatic online payment with the option of " balance due ''. However, Chase only sent the minimum payment of {$35.00} on XX/XX/23 without my knowledge, which resulted in an interest charge of {$3.00} by the XXXX. 

On XX/XX/23 I called the Chase and some a tech support supervisor named XXXX confirmed with me that there are some tech issues for the online payment service. XXXX kept apologizing to me and told me that he's not able to solve this issue. 

On the same day I called and talked with another representative named XXXX to address the same issue. XXXX also apologized to me and advised me to ask a refund from XXXX, which is totally irresponsible and unacceptable. 

I can not agree that the Chase bank has been aware of their issues but refuses to be responsible for the loss of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo placed a hold of over a week on deposited funds from a business check. They said the hold is due to the check writer 's signature line. The first person I talked with said it was due to my signature and that the first letter of my last name was separate from the rest of my name. She was then rude and told me since I was on the phone there was no way she could verify it was really me and told me no one could help me out. I asked to talk with her manager. He told me he was a customer advocate, so not her manager. He investigated the signature line and said there was nothing wrong with my signature but that it was due to the signature of the check writer and the lack of a business name on the check. He then transferred me to a Wells Fargo Executive after I insisted on speaking to someone who could help me out. He tried saying my time was valuable and he did not want to waste my time, trying to avoid transferring me. XXXX, the executive spoke with me and connected me to a department that was supposed to help release the hold. XXXX in that department told me that they needed a notarized letter from the company to prove that they wrote the check and signed the check to me. My account is now overdrafting due to the hold on the deposit to my account and I am unable to provide needed items for my family.

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 2023-02-06 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:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I sent in a dispute on XX/XX/2023 along with my government ID with current address my dispute is my name that is incorrect on the report and a few addresses that are also not correct. That is on the report and eviction. They did reach out to me and stated that my report with not be updated

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 2023-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit ReportinXXXX Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2023-02-06 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: TN

Complaint narrative:
Wells Fargo, Charged overdraft fees when I had money there to cover transactions

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 




I have asked them repeatedly to come get the vehicle, and they refuse, I was told the vehicle was not worth repo due to the value versus the loan. They are reporting this account as negative and it has affected my credit. I always get the run around, I have repeatedly called and all they try to do is have someone repossess the vehicle when I have voluntarily offered to surrender it in exchange to have the negative reporting stopped. They have damaged my credit, and are not willing to work with me whatsoever.

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 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX on the date of XX/XX/23 account owner : XXXXXXXX XXXX XXXX XXXX XXXX account owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 usc 1681 section 602 8 clearly states I have the right to privacy.

15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Pursuant to information and score provided to XXXX XXXX by ChexSystems, XXXX XXXX XXXX declined to open a checking account for me, and XXXX XXXX XXXX restricted and will be closing both of my new investment accounts with them. 

Per my ChexSystems consumer disclosure ( see attached ), there are no negative or derogatory items listed on my ChexSystems report, only multiple recent inquiries due to moving multiple CDs from XXXX financial institution to another for a better rate and opening several new checking and savings accounts. 

Per the letter I received from XXXX XXXX XXXX ( also see attached ), here are the ChexSystems score and " key factors that adversely affected your score '', that are used by XXXX XXXX as reasons for the decline to open a checking account : Score : XXXX ( Score range : from XXXX to XXXX ) Reasons listed : PREVIOUS DEBIT INQUIRY HISTORY RECENT DEBIT INQUIRY ACTIVITY INSUFFICIENT DEBIT HISTORY MULTIPLE RECENT DEBIT INQUIRIES CHEX INQUIRIES MAY HAVE ADVERSELY IMPACTED THE SCORE The above seems a somewhat off, as it makes no sense that multiple recent inquiries alone on a ChexSystems report would cause the ChexSystems score to drop to such a low value of XXXX! I have responsibly managed multiple checking, savings, CD, investment and credit accounts for many years, have never overdrawn or otherwise mishandled any of my accounts or bounced any checks, and have nenver been late or otherwise in default on any of my credit obligations. As a result, it makes absolutely no sense that my ChexSystems score would be XXXX, merely due to recent inquiries, and would result in such drastic measures ( checking account declined, both brokerage accounts restricted ) due to ChexSystems making me look really bad to XXXX XXXX due to extremely low score!!!

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Our work email was hacked. The hacker used an email address almost identical to our advertising vendor ( l instead of i in the word marketing / marketlng ) and pretended to be our advertising vendor. They emailed me a copy of our monthly invoice and informed us the quickbooks link wasnt working and could we please make an ACH transfer. I told them we didnt have that set up so they asked if we could make a bank transfer. They sent communication with the bank details. All the email communication used company logo and had company information. We have discovered that the fake domain was hosted by a company called XXXX XXXX. I made the transfer thinking I was paying our vendor. They are falsely pretending to be from our marketing company XXXX XXXX XXXX XXXX XXXX The Subject ( XXXX ) Who Victimized You Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX  Email Address : XXXX Fraudelent Account number : XXXX Routing number : XXXX Account type : Checking Bank name : XXXX XXXX XXXXXXXX on account : XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. 

Thanks, 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 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: FL

Complaint narrative:
My name is XXXX XXXX, and Id like to file a complaint against a lender, WLCC Lending GVF, d/b/a Green Valley Funds. It gives its address as : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, their phone number as : XXXX + ( XXXX ) XXXX, and their eMail address as : XXXX. 
This Lender is a subdivision of Wakpamni Lake Community Corporation ( WLCC ). They claim to be a political subdivision of the XXXX XXXX XXXX, and thus they claim sovereign immunity. 
On XX/XX/XXXX, I applied, and was approved for, what is commonly called a pay day loan. Everything was completed online. I was assigned a XXXX XXXX XXXX, and the loan was assigned number XXXX. I never spoke with a live person about the loan. Nobody from the Lender contacted me to explain the terms of the loan. 
This loan no. : XXXX carries a 788.67 % A.P.R. I am not an attorney or a banker. Nobody explained to me what the A.P.R. is, or that I would be paying approximately {$1700.00} for a loan of {$500.00}. 
On XX/XX/XXXX, Green Valley Funds issued a pay-off statement where they said the balance was {$10000.00}, good through XX/XX/XXXX. On XX/XX/XXXX, a cashiers check number XXXX, drawn upon XXXX XXXX XXXX XXXX XXXX, in the amount stated, was sent to Green Valley Funds by United States Certified Mail, Item Number XXXX XXXX XXXX XXXX XXXX XXXX. 
When I contacted XXXX XXXX, I was informed that they 30 to 90 days to post a check. The loan still appears as outstanding, and has not been satisfied, nor has XXXX XXXX even acknowledged receipt of the check, even though the certified mail containing the check was signed for on XX/XX/XXXX. 
I can provide the original loan documents, a copy of XXXX XXXX pay-off statement, and copies of the check and the Certified Mail envelope. 
I dont know if you can do anything about this, or will want to do so. Even if you can not help me, I would like you to lodge my complaint so that this perhaps does not happen to other innocent consumers, going through a rough patch, who fall victim to these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I tried to refinance or get a loan modification considering I had difficulty. The amount of paperwork, phone calls and struggles, I was denied every time. They said I did not qualify if I made my payment sin time. The mortgage was {$4300.00} and interest rate was close to 8 %. I ended up loosing the building and forced to sell in a short sale and paying about $ XXXX Wells Fargo for the short sale in 2013.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
I sent money to a friend on CashApp on accident and then requested a refund from the friend. The friend wanted to refund it back to me but CashApp said he had insufficient funds although that money I had just sent is just being put on hold. CashApp has not been able to give a legitimate answer to why he can not get those funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Hello, My PSLF application was submitted to MOHELA on XX/XX/XXXXXXXX. It was confirmed receipt by MOHELA reps on two separate phone calls and the fax confirmation as well. The first call the representative confirmed receipt and said the log in information would be mailed within 90 days of XXXX/XXXXXXXX 

On the third phone call in XX/XX/XXXXXXXX  it was simply stated there is no timeline to even receive a log in to check on the status of processing. XXXX XXXX, my current loan servicer, confirmed nothing has been received from MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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