vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continues to lie and pull deceptive scams. Now according to them Im no longer in Foreclosure. However as you can see in the attachments my residence is still up for Sheriffs Sale. And despite repeated requests their evil and vindictive behaviors. They keeps putting my late mothers name on their documents. Already after stating that they were going to cease with these harassing activities. Also make note that XXXX XXXX the supposedly individual from the XXXX XXXX. Is nothing but a customer service representative to whom works on in a small cubicle with absolutely no authority at all. And her contact number @ XXXX XXXX XXXX is obviously the wrong number because she never answers the phone and the other day the number was disconnected. Then the Preservation XXXX XXXX XXXX hasnt returned any of my calls. And I keeps getting some unprofessional liars to whom are acting on her behalf but is only playing games despite me sending then the required documentations

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 2024-12-24 00:00:00
Product: Credit reporting 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:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I called the given number that the collection was under ( XXXX ) XXXX, but was redirected to a separate company ( XXXX ) XXXX. 

I spoke to the other company that was called XXXX and confirmed my information in which I settled with a payment to close the account. They told me Id receive a letter detailing that the account would be closed in XXXX. I didnt receive anything and when I called the original number they said that the account had not been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
I had key bank close my account for fraud. After 14 days they opened the account and told me in XXXX weeks I would be refunded what was owed due to the fraudulent activity. The day the refund was supposed to come in, I spoke with the bank and they said I'm all set, my account is open and I was refunded. When I went to the bank to access my account, I was told they had to put a hold on my account again and I cant access it. After bringing fraudulent activity to their attention, they cleared me of the wrongdoing and refunded me only to tell me they are investigating my account further because they think I had something to do with it. I have waited for over XXXX months. I have been given not a single reason why they opened my account and then closed it again. I have no Idea why and what they are accusing me of. All I have been told is that they are investigating my account and I have nothing I can do and no recourse. I feel like I am being robbed. I came to them with a fraudulent charge, I was cleared and told they tracked the IP address that did it and I would be refunded my funds, then the day it was refunded the bank closed my account again and said they believe I have something to do with the fraud but I said, why would I bring it to your attention if I did it? They will not release any information and keep telling me its under investigation through there fraud center. This started the first week of XXXX. I dont know what to do and I have been threatened that if I keep asking they will call the cops on me, Ive been to the bank many times to be escorted out by security simply for asking questions. Anyone I call tells me that its ongoing and they cant answer any questions nor can they even tell me what I am being charged with or what crime I have committed. I still have no idea why they think I committed the fraud when I was already cleared and told it clearly wasnt my fault. They even agreed to refund me my money. However since the day it was due they completely locked me out and said we refunded you but you cant access your account, so I have to wait while my money sits there and I cant even access any future direct deposits which has nothing to do with past issues but I have no way of accessing the account at all or can not receive any information. Please help me, I cant afford a lawyer, the cheapest wants XXXX $ an hour. I have been defaulting on a lot of bills because of this. I cant access my own money and have been put in a really bad situation, for example with my landlord and rent. This has cost me so much more then just the money that they will not allow me to have ; which is my own money that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Unauthorized transaction on my account from an XXXX purchase caused a {$4000.00} charge on my account to which I opened a case and Chase denied it.

They showed documentation that a package was ordered to my place of residence but I never received nor ordered package.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
In the fall of 2023 I trued to fix my CR and was told to pay a sum of money upfront and the balance was to be completed at a later date, i was supposed to receive documents and statements of all work rendered, I still haven't received anything, my account was compromised twice and my CR has fallen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am following up on complaint XXXX, which was marked as closed, but Chase has not fulfilled their obligations as outlined in their response. After my initial complaint, Chase acknowledged my ADA accommodation request to cease phone communications but failed to fully accommodate my need for written correspondence. Additionally, they have not responded to my secure messages requesting detailed repayment options and appear to be delaying action to pass time and potentially sell the account to collections instead of providing viable solutions. 

Their lack of response has wasted valuable time and further demonstrates non-compliance with their obligations to resolve this issue. I request that this complaint be reopened for further investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 non-monetary relief
Consumer complaint received 2024-12-24 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reviewed my credit profile and seen some inquiries that are 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 2024-12-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I happened to log onto Wells Fargo online account to change my address since I recently moved. I noticed something unusual and looked at the account noticing their were charges recently made to it. The total amount of the charges were around {$870.00}. I opened the statement and noticed the name on the account was XXXX XXXX. My name is XXXX XXXX. I have no idea how this could have happened but suspect identity theft. 

I do not hear and used XXXX relay service to discuss with Wells Fargo. It was very difficult to get the person to understand what I was trying to explain and the relay person kept typing the word 'pacing '. 

Just want Wells Fargo to resolve this issue. I have reported identity theft to the FTC and have put alerts with all three credit bureaus.

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 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this new complaint against Capital One because they failed to respond or act after my initial CFPB complaint. Despite acknowledging my XXXX accommodation request to communicate exclusively via email or secure messaging due to my XXXXXXXX XXXX, Capital One has not replied to my secure message or provided any resolution to my inquiries regarding repayment options. 

Instead of engaging in meaningful communication or finding a middle ground, Capital One appears to be letting time pass in order to sell my account to collections, evading accountability and resolution. This deliberate delay has taken advantage of the CFPBs process and caused unnecessary stress, demonstrating a lack of support for customers with XXXX. 

I am requesting that Capital One be held accountable for their failure to act and that they provide a fair resolution without further exploiting CFPB time limits or neglecting their obligations to accommodate my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX XX/XX/year> Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account XXXX - Report # XXXX. 


Dear Experian, This letter is to formally dispute the accuracy of the following information appearing on my credit report : Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Date of Last Activity : na Type of Account : Credit Card Specific Item in Dispute : Account Status Incorrectly Listed as 'Charged Off and Balance Amount Incorrect Reason for Dispute : No doc or signed agreement with XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance Amount : " The balance amount is incorrect. 

I request that you investigate this matter promptly and update my credit report accordingly. Please provide me with written confirmation of the outcome of your investigation within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and attention to this matter. 

Sincerely, 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 2024-12-24 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: FL

Complaint narrative:
I recently did an investigation on my credit report and found several items that are inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX **** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff Transunion *** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX **** XXXX Account # XXXX Date XXXX XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff

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 2024-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) by excessively and unlawfully contacting me. Between XX/XX/XXXX and XX/XX/year>, they contacted me eight times : XX/XX/year> : Contacted twice. 
XX/XX/year> : Contacted once. 
XX/XX/year> : Contacted five times. 
Under the FDCPA, debt collectors can not contact consumers more than seven times within seven consecutive days, making this a clear violation of federal law. Furthermore, the excessive contacting has not stopped since this period, adding ongoing stress and inconvenience. 

This is not my first time submitting a complaint about XXXX XXXX, and I strongly urge the CFPB to thoroughly investigate their communication practices. I also request that this debt be removed from my credit report due to their repeated noncompliance with the law. I can provide phone records upon request to verify these claims. 

Thank you for your attention to this matter. Please let me know if further information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To whom this may concern, I, XXXX XXXX XXXX, have been putting an excessive amount of transactions on my credit builder credit card with XXXX as of the last six months ; and I havent seen much improvement from these credit bureaus. I make a conscious effort to make sure that if the transaction can go on that card ; I put it on that card. And my XXXX credit report is showing 20 Hard inquiries will my TransUnion is only reflecting 11. I think these credit bureaus are playing with my credit score. Keeping it low out of discrimination reasons because Im XXXX XXXX. Everything thats negative on my credit report is minor. Nothing major going there. Like $ XXXX of debt total outside of my auto loan. So Im thinking that my score should be about XXXX points higher than where it is right now. Then lets not even talk about what XXXX is over there doing. They got my score under XXXX while the other two are at a XXXX range. I want to get this resolved immediately ; because Im trying to get approved for both a personal and a home loan very soon. Thank you very much for your time ; and Happy Holidays. 

Sincerely, 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 2024-12-24 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: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my account without any notice then I been asking for my money for over XXXX days now and they been delaying and delaying. This is the worst bank I delt with in my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I fell victim to fraud or scam I thru an online vendor on XXXX. I paid thru cash app. After I knew I was conned I reached out, only to be ignored and casted aside. I then continued to explain and ask how such an entity as cash app/ XXXX could continue do business with such groups. XXXX never answered or even acknowledged me. And cash app ignored and disregarded me. L believe companies as such should have some ethics and liabilities for us the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX, Account ending XXXX and XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 

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

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

Remove these late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief