vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a letter in the mail from Wells Fargo that stated that they were closing my credit card ending in XXXX. I received this letter on XX/XX/2022. The letter was dated XX/XX/2022. My credit card was at a {$0.00} dollar balance. I had paid it off recently after holding a balance on the card for a bit. This company has made tons of money off of me in interest and decided to close my card due to non-specific reasons on my credit report. I have cards through XXXXXXXX XXXX XXXX XXXX and XXXX XXXX who did nothing of this sort to me. I am currently looking to apply for a mortgage and this will definitely hurt me in the short term and potentially long term as this was my oldest line of credit.

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 2022-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I currently have a mortgage with fifth third bank and I am in the middle of getting my mortgage refinanced elsewhere. It was supposed to close in XXXX. FHA needed some extra verification on a few things and once it was confirmed that we would not be closing in XXXX, I went in on XX/XX/XXXX to make my payment in cash. My mortgage was due on XX/XX/XXXX. My payment is being reported as of the XXXX and is being marked as 30 days late on my credit ; despite being made within 30 days on the XXXX. Currently, this reporting has pushed my refinance 1 month back and will potentially another month because they are not wanting to remove the late payment marking despite being made within 30 days. I have tried communication thoroughly in branch/through customer service ultimately leading me to a direct contact with an employee who manages credit reporting within fifth third. While my in-branch experience was great, they do not have control over the backend management of this case. The people actively managing my case are refusing to budge/remove this reporting despite being incorrect. 

Attached is the receipt I was given for my payment on my mortgage that was done on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AZ

Complaint narrative:
This is not the first time Chase has lowered my credit line after paying off my entire balance. Its odd that we have been customers for almost a decade, pay our bills on time, and are rewarded by our credit line being lowered when we make large payments. I want my credit line restored to where it was, or we will have to permanently part ways with chase. This is not fair or ethical to do this without contacting the customer when they have a credit line they expect to have access to ... .no warning. 

Why is Chase consistently punishing loyal customers who have CONSISTENTLY paid their bills and put money in the company 's pockets? If they can't scam you out of interest rates and fees, they lower your credit line until they push you away from being a customer?? It's an off the wall business practice and I would like for Chase to take some accountability .... please do the right thing. If there was an issue or concern, why not reach out to the customer first??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/22, I went to the Truist branch at XXXX XXXX XXXX in XXXX, FL. My new Truist dbc would not accept in the atm for me to make a cash deposit. The only option I had was to make a cash deposit via their night drop services. I placed {$84.00} cash in an envelope, which consisted of {$83.00} in paper bills and {$1.00} in coins. I wrote the amount on the front of the envelope with my account information and made the drop. On XX/XX/22, I noticed my account was only credited {$79.00} and there was {$5.00} missing. I attempted to engaged Truist via multiple channels ; via XXXX XXXX, via online chat through my online profile, called the customer service number of XXXX and even called their Fraud Dept at XXXX multiple times. 

I am told via XXXX XXXX someone will back me back and that did not happen. 
I am told via chat at XXXX someone will be right with me ; however, it is now XXXX and no response. 
I am told by Customer Service, after a 1 hour hold time in queue, to go to the branch, which I can not as I tested positive for COVID on Monday morning and self-quaranting so referred to Fraud to file a claim. 
I called Fraud Dept. multiple times and after 45 - 60 minutes hold, the call drops to another queue only to be told to call back. 

I would just like the {$5.00} credited to my account for the correct amount I made and with an effective date of XX/XX/22 to eliminate any return or insufficient charges I might accrue on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I told the collection agency to stop calling my cell phone, they are still calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: NC

Complaint narrative:
I received a debt collection notice from BC Services, based in XXXX, CO for a bill that I did not know about or believe that I owed. The letter did not include any notice that I had a right to dispute the debt, or any instructions on how to do so. Luckily, I happened to already know that debt collectors can not charge a bill without providing proof of the debt, and I took action immediately by contacting the company by email and paper mail to request written proof of the debt. I also spoke to a BC Services representative on the phone who told me the company could not provide any information and it was my own responsibility to contact the creditor, the Colorado Department XXXX XXXX directly and figure out what the bill was for- which is not the case. The first " verification '' of debt I received was a simple account statement from the CO XXXX. of XXXX that contained no information about what the bill was for or evidence that I owed the money, which was the specific information I had asked for. Only after writing and emailing four times between XX/XX/XXXX and XX/XX/2022, the last email including a threat of legal action, did I receive a helpful response from BC Services. At that point, my request for proof was finally forwarded by the company to the creditor and I received written documentation of how the debt originated. BC Services did not inform me of my rights from the start, and did not take responsibility for providing real evidence of the debt until threatened with legal action- hardly fair practices.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX TO : The Consumer Financial Protection Bureau RE : XXXX XXXX failure to correct a teller error in a timely manner I am currently in XXXX attending film festivals that are presenting my new film. Last Thursday, as I headed for XXXX, a long-awaited refund check of {$61.00} XXXX arrived from the California XXXX XXXX XXXX XXXX. It was made out to XXXX XXXX XXXX, XXXX, one of my legal entities. WELLS FARGO account # XXXX. Routing number XXXX, A copy of the California XXXX XXXX check made out to XXXX XXXX XXXX is attached. 

My assistant took it to my branch of Wells Fargo Bank. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, A teller named XXXX deposited it NOT to the account of my legal entity but to the XXXX California XXXX Plan. It is impossible that she did not notice she was depositing a check made out to XXXX XXXX XXXX to a Wells Fargo account belonging to California XXXX XXXX. 

As soon as my assistant sent me the proof of deposit, at about XXXX p.m. on Thursday, I noticed the error and immediately alerted Wells Fargo online. The reference # for that complaint is XXXX XXXX. The next morning my assistant returned to the branch. XXXX, who is a bank XXXX and quite competent and efficient, took charge. She filed Case # XXXX. I spoke with her. She agrees it is a bank error. 

Three business days have passed. No refund. No updates. This is unacceptable, especially given XXXX XXXX recent history of cheating customers ( opening fake bank accounts, etc ). I am asking CFPB to intervene. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CarMax, Inc.
State: RI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX Carmax auto finance XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: UT

Complaint narrative:
I noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.

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 2022-03-01 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: CA

Complaint narrative:
I have two accounts on my credit report that are reporting information that is illegally being reported to my credit report hence withholding me from seeking new lines of credit. Equifax IS BREAKING THE LAW. The accounts are from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX with the account number XXXX and XXXX XXXX XXXX  with the account number XXXX. Equifax is in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is indeed identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Therefore, I, XXXX XXXX, never gave Equifax any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see an affidavit singed by a Equifax supervisor or executive detailing where I gave Equifax written consent to transfer my identification. You have violated U.S. Code 1028A. I have tried relentlessly to remove these accounts with the credit bureau and original creditor and they have failed to remove the accounts from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  account and XXXX XXXX XXXX that they illegally furnished via my credit report. I will not be extending my credit report to anyone if this can not be resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank of America with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

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 2022-03-01 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: CA

Complaint narrative:
I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank XXXX XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, Experian, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

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 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. States 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 a 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 non-monetary relief
Consumer complaint received 2022-03-01 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. States 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022, I noticed that I had some incorrect address information in my Experian credit report. I wrote Experian a letter asking them to delete the incorrect address information, now I am having to escalate this issue to a formal complaint because Experian refuses to remove the inaccurate addresses from my credit file. The addresses are wrongly reported and they have errors so anything that is reporting incorrectly must be removed according to my FCRA rights. They are in clear violation of these rights because they refuse to remove these incorrect addresses. The other two bureaus XXXX and XXXX have removed the incorrect information as I have asked. Why Can't Experian comply with my rights under FCRA. I will seek legal counsel and sue if these addresses are not removed.

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 2022-03-01 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: NJ

Complaint narrative:
On XX/XX/2021 I informed EQUIFAX I have become a victim of identity theft. EQUIFAX continues to report fraudulent accounts on my consumer report which has caused me stress, anxiety and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled due to a request for mortgage pre-approval. On XX/XX/2022, I sent a debt validation letter ( see attached ) to Berlin-Wheeler, Inc. via certified mail. I received the return on the letter indicating it was received on XX/XX/2022, and signed by XXXX XXXX ' ( see attached ). As of XX/XX/2022, I have yet to receive any information from Berlin-Wheeler , Inc .

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 my debit card was used at a XXXX XXXX in XXXX Texas for two amounts one in the amount of {$120.00} the other in the amount of {$84.00}. the first transaction happened at XXXX p.m. and the second one followed at XXXX p.m. I immediately called chime bank and notified them and they canceled my card and sent me a new one. At that time I was informed I would have to wait for the transaction to settle before I could begin the dispute process. 3 days later on Monday XX/XX/XXXX the transactions settled and I called chime to begin the dispute process. After filing the dispute with chime I contacted the mesquite the police department in XXXX Texas where the fraudulent transactions took place I filed a police report with XXXX XXXX badge number XXXX XXXX XXXX XXXX police report number XXXX. I forwarded this information to chime. On Wednesday XX/XX/XXXX I received my replacement debit card in the mail and activated it. After activating my new debit card I went to a gas station and used my card for {$30.00}. The next day time denied my dispute. The reason they gave me as to why they denied the dispute was because I used my debit card on XX/XX/XXXX for that {$30.00} transaction. I explained to them that it was the new debit card I used and not the one that had been stolen. Time then proceeded to tell me that I had not provided them with enough information to substantiate my claim and that they would not be proceeding with the dispute the matter was closed. I am asking that my money be returned to my checking account.

Company response to consumer: Closed with explanation