vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 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: AK

Complaint narrative:
Wells Fargo is structuring the deposits into and payments out of my checking account in a way that causes overdraft fees unfairly. I understand that this is not illegal but it is immoral and a I would like to officially file a complaint.

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 2020-01-19 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 am a victim of identity theft. I have provided all the proper documents from identity theft.gov and even more documents and also a police report. Equifax has been 4 months with me, lying. some has told me they took it off. I get a different story every time..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 at XXXX, I received an email from Chase stating that my phone number on my account had been changed. I immediately called to tell them that I did not authorize this change only to be told that they could not verify my identity. I also logged into my account while on the phone with customer service and found that someone had deposited 2 balance transfer checks on XX/XX/2020, one for {$5000.00} from XXXX 's and the other for {$12000.00} from XXXX in my checking account using my checking account number. Since they would not help me over the phone, I immediately went to a Chase branch near my house. I learned that the deposits were made through a teller at a branch I've never been to. How someone can make a deposit into an account without identification is beyond me! 

The {$5000.00} balance transfer check from XXXX XXXX  cleared on XX/XX/XXXX, even though, according to Chase 's own notes, the check should not have cleared before XX/XX/XXXX. The {$12000.00} balance transfer check from XXXX was flagged as fraudulent and did not clear. 

While meeting with a banker at my local Chase Branch, 3 transactions were made 26 miles away. The first was a withdrawal of {$3000.00} at a Chase ATM, the second for {$1000.00} at a XXXX across the street, and the third was a debit card purchase at a nearby bicycle shop for {$550.00}. 

Since the deposit from XXXX went into my own checking account, XXXX is stating that the check was not fraudulent, even though my signature was clearly forged. On top of that Chase is also denying the fraudulent withdrawal claim stating that since my debit card was used with the PIN, the withdrawals are also legitimate. The debit card transaction was temporarily reversed and an investigation is ongoing for that transaction. 

I have copies of the deposit slips and checks with my forged signature and timelines but no one will listen. The claims are being treated as separate incidents, even though they are clearly linked as part of a larger fraud. I was told that Chase needs a subpoena to review XXXX to prove that it wasn't me but they said I still may have let someone use my card. To add insult to injury, I have been charged {$350.00} in fees from XXXX and fees from Chase and now Chase is closing my account with no explanation given. I now owe XXXX {$5300.00}. 

I've filed a police report but was told by both banks that it won't necessarily help. I have no idea what to do next since and the banks are not being straightforward or helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: TX

Complaint narrative:
On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

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 2020-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my XXXX  insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Hello : My name is XXXX ( XXXX ) XXXX and I wanted to submit a complaint about Conns, Inc. I have spoken with multiple representatives at the company and no one can give me a straight answer as to why I have XXXX late 30 days marks on my credit report. Additionally, when I called Conns on XX/XX/XXXX to submit a complaint to a manager ( XXXX ) assured me that I only had XXXX 30-day mark on my credit report. XXXX & XX/XX/XXXX, I was informed by a Conn 's representative that I was not supposed to make a payment until XX/XX/XXXX because I was on a payment plan. 

The credit bureaus informed me that I have XXXX over 30-day marks on my credit ( Transunion on XX/XX/XXXX & XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX   XX/XX/XXXX ) when I am on a payment plan. These marks violate my rights as a good paying customer and show that Conns , Inc has a miscommunication problem that I am paying out of my wallet. I would like the CFPB involved because Conns may not correct/refuse to correct the issue due to there lack of communication within there organization. 

Thank You, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I had a costly auto repair. The repair shop I took my vehicle to listed XXXX as an accepted form of payment. I applied online in XX/XX/2019 because I thought I had a fair credit score. I was approved for an amount that exceeded the cost of the repair, the amount was {$1500.00}. I have since made twenty three payments totaling {$2300.00}. The payment amount to payoff the remaining debt is {$1300.00}. The interest rate is 151 %. I currently make payments biweekly of {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MA

Complaint narrative:
In XX/XX/2019

got an advertisement from Discover Credit card to apply this without affecting my credit score. Start the application and at the end came on the screen " Congratulation ''. Than was said that a message was send to my phone. Have to say that being out of Sate was using my cell phone when the message was send to my residence. Than came a message on my computer screen that I will have soon a letter from Discovery. Did call them and had absolutely no help or answer concerning my application beside that a letter will be send to me. Little later saw that I had an hard inquiry on my credit score contrary to what they did advertise saying that applying will not affect my credit score. This was a bait and switch fro m Discover card. Ddid send a letter to Discover Card asking them to reestablish my credit score to what it was before their hard inquiry and they never answered to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was a victim of identity theft and have unauthorized charges on the account. I wrote to the CC company five times formally requesting records of the charges so I could identify the unauthorized fraudulent charges. When I made the same request to two other CC companies they complied and we resolved this issue, but this third CC company continues to ignore my legitimate requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX Discovered money was transferred from our Bank of America checking account by persons other than us & without our authorization using by undetermined method. I Reported to bank that moment, while transaction was still listed as " pending ''. 

Bank said there was nothing they could do about it, & to make a police report. 
Bank said they would investigate. 
Report to bank was made using their fraud phone number.XXXX. 
BANK CASE # XXXX. 

Bank placed a hold on our bank account & opened new account to protect remaining funds. 
Bank said money was transferred using " XXXX '' to XXXX XXXX XXXX XXXX 

I called him to demand he return our money. He claimed he " received the funds from a " XXXX XXXX XXXX '' & did not know who I was. 
He said he would help any way he could but would not return the funds. 
I reported that info to the bank but they have not responded. 

After 10 days on XX/XX/XXXX called the bank again & they said 10 business days & to call back. 

XXXX-called Bank again, they said denied our claim, said they sent us a notice, but we still have never received. 
Said transfer was used with " similar '' device as other transfers we had made in the past so they denied it. 

Said I need to send documents proving we did not make the transfer.I asked what type of documents that could be, they said they did not know. 
Said they would have a final determination by XX/XX/XXXX. 

XXXX I faxed them the only documents I could think of, the police report. Phone records, My phone IMEI info, A detailed report & the incident timeline. 

I called again on XX/XX/XXXX, they told me the claim would be assigned to an investigator tomorrow & may take until XX/XX/XXXX. 

At this point I feel Bank Of America is not investigating, only waiting to see if we will give up, but we are on a fixed income & this money is very important to us. 

They said they would resolve this in 10 days but it has now been more than a month. 
Bank of America let someone into our account using their system & let them steal our money & now will not support us & help to recover it.

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 2020-01-19 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management is knowingly reporting a fraudulent XXXX XXXX  collection on my credit reports. I notified Credence of this matter originally on XX/XX/XXXX. Credence investigated the matter and deleted the fraudulent account from my credit reports. XX/XX/XXXX Credence changed the account number and reinserted this account to my credit report. They are intentionally reporting a fraudulent account on my credit report -- willfully being noncompliant to the FCRA and violating my consumer rights. They insist on reporting a fraudulent account to my credit report and going about doing so by being deceptive. I feel at this point I am being harassed by Credence. They are causing much undue emotional stress. I work in XXXX  and am up for a XXXX  and XXXX. This will not occur with this negative account on my credit report. Part of the XXXX criteria is having good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC violations sent the documentation with the affidavit to prove my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: TX

Complaint narrative:
I RECENTLY MOVED TO XXXX XXXX  IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN XXXX  AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/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 2020-01-19 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: TX

Complaint narrative:
FTC violations sent the documentation with the affidavit to prove my claim

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 2020-01-19 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: TX

Complaint narrative:
FTC violations sent the documentation with the affidavit to prove my claim

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 2020-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been sending my brother a check for {$1000.00} every month for well over a year. It has always worked fine for him using his Citibank bill pay system except for the XX/XX/2019 check with reference number XXXX and trace number XXXX. This is what happened to that check as evidenced on my brother 's bank statement which is attached : XX/XX/XXXX19 {$1000.00} Check is deposited XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check is redeposited per instructions of Citibank to do so XX/XX/XXXX19 {$1000.00} Check gets charged back XX/XX/XXXX19 {$1000.00} Check deposit shows on the statement but this is the XXXX check which, like all other {$1000.00} checks he sent me before and after this cleared fine. 

I did not place a stop payment on this check and my bank ( Citibank ) is claiming they never did either yet that " Refer to Maker '' stop payment is clearly shown in the attached document. Citibank has instructed my brother to have XXXX XXXX trace the payment using the sequence and trace numbers in their letter to him dated XX/XX/2019 ( see attached ), which includes my notations in red ink. 

Citibank is claiming the funds are with XXXX XXXX XXXX  so we are both out {$1000.00} in that my {$1000.00} account deposit was charged back on my brother 's account at XXXX XXXX XXXX  and Citibank never credited back my checking account. 

Please investigate this matter ASAP, as it has been 7 months since I have been struggling with Citibank over this issue only to have them deny my claims and place the blame on XXXX XXXX XXXX. The central issue is that they refuse to say why they placed a " Refer to Maker '' stop payment on these funds which cause my brother 's XXXX XXXX XXXX ( headquartered in XXXX, CA ) to debit his account for this {$1000.00} amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation