vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well. 

However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments. 

Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Due to willful laziness and lethargy, two fellow Wells Fargo employees provided fraudulent misinformation that if not caught by a diligent employee on the XXXX  Banking team would have led to a significant financial loss by me as a customer or the bank. On Saturday XX/XX/2023, in accordance with instructions on the Wells Fargo Internet website, I went in person to a bank branch in XXXX North Carolina at XXXX XXXX XXXX XXXX XXXX at roughly XXXX XXXX local time. In blatant violation of Wells Fargo financial security procedures and presumably only because this employee just too lazy to work her actual workday, a XXXX lady banker said I actually had to call in to increase my wire limit and could not do this at a branch. This was just a blatant lie - I had to come into a branch for this type of request for obvious security reasons. I did in fact call the main number though. A phone banker then said I had to upgrade to XXXX  banking to increase my wire limit and there would be no fees for this since I was a team member - both statements which were also blatantly false. Only when I was transferred to the XXXX banking team did the XXXX phone banker correct willful and fraudulent misinformation conveyed by two of our fellow employees.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, 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.
State: IN

Complaint narrative:
This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXXXXXX 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 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 2023-02-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These derogatory remarks need to be removed from my credit report under the law US C 1681 and US C 1681s-2 XXXX XXXX XXXX {$810.00}. : XX/XX/XXXX XXXX XXXX XXXX. {$380.00}. XX/XX/XXXX XXXX. XXXX {$370.00} & {$62.00}. : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: FL

Complaint narrative:
XXXX XXXX XXXX will note disclose closed date to Equifax. Account was closed XXXX XXXX XXXX  to my knowledge. Equifax has not updated information. Sent multiple disputes to have this account deleted from my credit file. Equifax has failed to delete and remove after several attempts. Most resent date was XX/XX/XXXX. Seems like they are not communicating what I am requesting to other party. I am asking for immediate help to dissolve this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
Fraudulent Loan created on XX/XX/2022. 
Loan Number XXXX Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX Notified : XXXX XXXX XXXX XXXX XXXX my lender of Fraud Today Saturday XX/XX/2033, when I received their inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been a Chase customer for a long time, with a checking and savings and also the credit card in question. I believe my apr was somewhere in between 8-10 %, which I will never be able to get such a low interest rate like that again, so it's especially upsetting that this card was closed by Chase. A bit of backstory is necessary here in order to understand why this occurred : I have been on SSI for approximately 24 years and a financial review was done on my case and they falsely attributed more money than I actually had and they stopped my payments. Long story short, although it's been 9 months and I've furnished all the information they've requested, they still have not returned me to pay status, nor have they paid me while waiting on appeal which they were supposed to, so I have had no money and my automatic payment to my XXXX card bounced in my Chase checking account, even though I called XXXX ahead of time and asked them to take me off of auto pay and which they agreed to do, somehow it went through anyway. So this set off a chain reaction whereby I had a negative {$150.00} balance in that checking. Also the unpaid XXXX card combined with that must have lowered my credit score enough to trigger an automatic closing of my Chase card when it was time for a review. I had just paid a total of {$600.00} on that card ( borrowed from my Mom ) so that i could use the card to pay my rent. They didn't care! They were absolutely cold-blooded when I called them in tears and inquired why this was happening. I had never even been late with a payment ... .yes i carried a high balance, but just a couple of years ago I paid off {$3000.00} of my balance, so I have made progress at times. I had no idea that they could just close one 's card when the account was in good standing! Needless to say it caused me extreme hardship since I was unable to pay my rent, and I was already extremely stressed over losing my SSI benefits, which was what caused me to be in this dilemma in the first place. Now XXXX card has closed my account as well, and my APR on that was 10 % so I am really dismayed and depressed over losing it as well. Now I have no credit cards whatsoever, and there's no way I will ever sign up for the offers i get in the mail these days ... ... .APR of 29 % and the like. If anyone can help me with what I feel was an unfair and unwarranted closure of my Chase credit card, I would so appreciate it. Also, Chase also closed my checking and savings accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/ I recd order from Macys for {$390.00} returned XXXX days later. Sometime later I was notified that my account was past due. No statement recd. I called and late fees and interest charges were reversed. I assumed XXXX balance. I requested statement but No statement recd. I had used Star Rewards when I made my purchase online but instead of crediting my account the reward amount of {$10.00} was added as a charge. Subsequently I have carried a balance past due on my account since and still no statement unable to resolve. Credit score reduced from XXXX to XXXX because of Macys error. They are refunding all late charges etc but Citibank refuses to correct my credit history.

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Tried to log into account on XX/XX/XXXX Citi informed me that a XXXX transfer from XXXX XXXX Savings was rejected. I was unaware at the time that I was only allowed to do a daily transfer from savings of XXXX Therefore, Citi closed my account on XX/XX/XXXX with a checking balance of XXXX As of today XX/XX/XXXX I have not received my money. I call Citi but the representatives are rude and short with me. I just want my 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 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A credit card was opened in my name with wells fargo. I never applied for one. Never!. Someone opened a cardwith all my information when my mortgage was transferred to to wells fargo company. 
My mortgage has since been transferred no one would talk to me about the card or why one was opened in my name.

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 2023-02-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. Transunion refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made over 20 hard inquries to my credit report within a 3 day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.

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 2023-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Ive paid more than Ive borrowed and wanted to close this account as paid in full. Im experiencing financial issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
1. My first collections report is from XXXX XXXXXXXX XXXX XXXX, the collections company is Aldous and Associates. I was renting an apartment from XXXX XXXX in XXXX, I decided to go spend sometime back in XXXX XXXX XXXX XXXXXX/XX/XXXX, during my road trip back home I was injured in a Semi truck collision which I was NOT at fault. I reached out to the XXXX  manager at the time letting her know that I would not be able to return to the apartment as my car was completely totaled out and I needed months of physical therapy to recover. The apartment and I were in agreement that as long as I cleaned out the apartment and returned the keys, the lease would end as a normal lease would end. Later that year in XXXXXXXX XXXX XXXX I noticed the collection was added to my credit report. My lawyer at the time contacted the apartment and was in agreement that it should not be on my report, but now in XXXXXXXX XXXX XXXXXXXX an {$3900.00} balance is still attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: GA

Complaint narrative:
TRANSUNION is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by TRANSUNION due to identity theft about the dates of 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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I went to my local Bank of America branch to deposit a {$48000.00} US government check. I have been a BofA client for over XXXX years and have several accounts. The teller told me funds would be available the next day. Later I received an email from BofA saying funds would be held till XX/XX/XXXX! I called their company twice to tell them this length of hold on a USG check is unacceptable. They suggested I go back into branch. I went back in on Friday, XX/XX/XXXX and manager chatted online with BofA clearance office who said check was being held for confidential reasons (? ). Manager said she would elevate and call me back Friday afternoon. She never called. Them holding my check is costing me money.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
ChexSystems decided to exempt themselves from the federal law and just refuses to give me my Chex system report in accordance with the federal law.

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 2023-02-04 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: FL

Complaint narrative:
In accordance with the FairCredit Reporting act XXXX  XXXX Account # 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 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

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 2023-02-04 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:
In accordance with the FairCredit Reporting act XXXX  XXXX Account # 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX : XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC
State: CA

Complaint narrative:
Ive paid more than what I borrowed and want this loan to be closed and paid in full

Company response to consumer: Closed with explanation