vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Im not sure exactly why my account is temporarily suspended, but it has been for almost a month now Ive called every single day now and escalated it through a manager, they obviously wont tell me why and I havent done anything wrong, theres a lot in my savings about XXXX in a little in my checking maybe XXXX or XXXX that I need to pay my rent so now I owe extra on that like I said its been going on about a month And in the first email all they asked for was proof of address and a government ID so I sent them both of those along with a birth certificate along with my source of income. Then I didnt hear anything for at least three days so I called Chime again and they escalated it and I only got the same exact email about two days later and the same process because they said the format of the other one was not correct, so I waited a day and then called back and the process restart it over again and Im starting to get irritated and now this time theyre asking for more documentation other than what I had change the format of my ID and resubmitted it and now they were asking my sources of where my first deposit was, etc. which I have no idea because XXXX cant access my account and basically Ive been stuck in this loop of calling them getting it escalated getting the email sending the information getting an email saying they need more calling, etc. and this is chime bank account They also brought up the source of my original deposit being my XXXX XXXX XXXX  ) which is only {$900.00} and theyre talking about {$55000.00} or something in me to describe each transaction but Im only allowed to upload 10 images and I have to change the format on all of them, which I see is impossible, and frankly none of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
2 years ago a credit card show up in my bank chase account appear. 
It was Amazon prime credit card, I have never used and have never even have the card in hand. This credit show in my account I have call the credit card company they told I have to to do the payment even though my address was never on that card and they won't tell what address the credit card was buying on shipping to. The card has a total of {$1700.00} to pay in it. I also called credit bureau they didn't help me. They won't give me information where everything was sending to. I call every month to fix this and it always same issue. They not helping me. This is causing my credit score to go low I can't apply for credit cards because of this. I told them my address and everything but apparently I'm getting no answer and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Incorrectly charged overdraft fees on debit and ATM withdrawals,

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 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
I'm being charged an inspection fee when I shouldn't be. The company is saying they can't waive the fee because it is a 3rd party fee. 

The story behind it is I bought me home on XX/XX/2022. I made a payment on with my previous loan servicing provider on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to current loan provider, Flagstar. Flagstar lost the original payment I made with my previous provider they were not able to recover it from the previous provider until XX/XX/XXXX. When they were waiting for the payment from my previous provider in XXXX they suspend all the payments I made to them XXXX. This kicked off an automatic system that had someone come to my house and see if the house was being lived in. I was home almost the entire day that day, but they I never had anyone ring my doorbell. 

I contacted flagstar about this insepction fee on my bill and they said they can't waive even though I was current on mortgage payment.

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 2023-04-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXXXXXX transitioned my XXXX credit card to XXXX XXXX  and due to a mistake on their end there was a delay in carrying over the in place monthly automatic payments. This account was never and has never been late. I have kept a 100 % payment history and have, through much work and too many hours, gotten both XXXX and XXXX to remedy the situation but am having difficulty with getting Experian to correct the issue. Please advise on what next to do because I have been working on this for far too long and am at the end of my rope.

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 2023-04-13 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/XXXX l, XXXX LexisNexis sent me three letters one XXXX another to XXXX XXXX and lastly to XXXX all the letter states that the information that I dispute it was removed but yet these three companies still fail to remove them in. LexisNexis stated that they sent the information to the reporting companies and everything should be removed. The three companies are still reporting the in accurate information and which is supposed to been removed according to LexisNexis. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: Financial Assistance Inc
State: OR

Complaint narrative:
I got a call from a company named financial Assistance which is a debt collection agency telling me that I owed {$480.00} from a checking account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I've never had an account with XXXX XXXX XXXX so this information was immediately alarming upon hearing. I was given the website : " reportfraud.ftc.gov '' by the collection agency so I could report the account as fraud. I have disputed this account with XXXX. And will be disputing this with XXXX, and XXXX. I do recall the locking mailboxes at my apartment complex being broken into several times back in XXXX of 2022 and a lot of mail was stolen, some containing financial documents of mine i believe, I'm sure it was used in connection to the identity theft. My question is do I go paperless with documents from here forward and how safe is that anyway. I'll be calling XXXX to open a policy I guess because I don't know what to do anymore. Seems like these cyber criminals have outsmarted the system in every way nowadays. Hope you guys figure out how to catch em soon. Thank you and good luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
I received a letter from XXXX on XX/XX/XXXX, stating that Equifax was supposed to remove all information related to the bankruptcy and public records because it could not be verified. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please see the attached documents to understand what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
Ally Bank offered 1 % cash bonus promotion. To receive the 1 % I was required to enroll by XX/XX/XXXX, deposit funds by XX/XX/XXXX & have those funds remain in the account until XX/XX/XXXX. 1 % bonus to be paid by XX/XX/XXXX On XX/XX/XXXX I received an email " Good news : You're enrolled in the cash bonus ''. I deposited {$50000.00} on XX/XX/XXXX into my qualified account, where it remained until XX/XX/XXXX, when I made a partial withdrawal. The account is still " in good standing '' with Ally. 
When I did not receive the {$500.00} to which I was entitled, I contacted Ally Bank on XX/XX/XXXX. They established a file ( Ref # XXXX ) & told me I would be contacted within 5-7 business days. I called again on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I also left a complaint on feedback on XX/XX/XXXX & 2 complaints on phone survey. To date, I have NEVER received any communications from Ally in response to above complaint, even though I was promised a follow-up each time. All representatives to whom I spoke researched my file & agreed that I had met all requirements to entitle me to the {$500.00} bonus & one told me that " I was not the only one '' with this 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 2023-04-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATION/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023, Equifax has taken 77 points from credit report with no explanation or reason. This is not the first time, on XX/XX/2023 they deducted 55 than again on XX/XX/XXXX they deducted 55 again. I've disputed, I've called no reasonable explanation. I want to report this credit bureau for mishandling my credit report. I'm one week away from closing on mortgage, they've been charged and sued over same situation. I'm a victim to their fraudulent misconduct of my report. I have no debt, and no collections. My credit should be the same as my XXXX report which is 745. They share the same information yet Equifax has taken points multiple times with no explanation nor reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had an account with JP Morgan, Chase. It was only a debit card around XXXX or XXXX I went to XXXX in XXXX and have a double charge on my card for the same amount for a hotel room. I explain to Chase that he is a double charge and people here do not speak English and theyre telling me to contact my bank because it shouldve just been a single charge so XXXX explaining to Chase over the phone here I would like to dispute the charge because theyre saying They dont know why it became a double charge may be because of the car charging system after I filed a dispute to chase they ended up excepting the dispute and giving the money back but after I came back from XXXX, they close down my account ever since then Ive been trying XXXX find a way to resolve the issue even offering the money bag so I can use Chase as a bank. I own trucking business now and would like to open a business account with them and when I go to the branch or tried to call someone in customer service, they are all say that they put me in a permanent ban which I dont think is fair, even though I offer the money back, I didnt have any credit cards or anything like that where I had to use their money I had only a debit card where I always deposited my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several times this month Ive been in contact with Equifax every time I try to login it gives me this error code to call customer service so I called customer service and they tell me I need to change my user name clear cookies oh different kinds of stuff that we do every single time I cant get in and I need in since my identity was double into years ago. Ive been trying to fix the problem, but I cant get into that credit bureau to dispute and authorized inquiries and charges. Theyve even told me that I cant log on on a laptop or an XXXX, I never heard of this thats a new one. I keep getting the runaround all I want is somebody to tell me why I keep getting this message on every device I try I dont have a membership so Im not late on low payments. I dont know why I cant login I have need in there. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On and or about XXXX of XXXX  I was told by a Wells Fargo Speacilaist in the mortgage department my escrow would have a shortage of {$240.00} come the month of XX/XX/2023. I immediately sent an escrow payment of {$50.00} additional dollars ( XXXX - XXXX = XXXX ). Next, on my XXXX regularly scheduled mortgage payment I added an additional {$100.00} to regular scheduled XXXX escrow payment = XXXX. Again, an additional {$100.00} to escrow shortage, ( XXXX - XXXX = XXXX ). Next, I was sent the escrow analysis on XX/XX/2023 with projected figures for escrow for XXXX which states my escrow is short by {$240.00}? In addition on their ( Wells Fargo XXXX XXXX ) the {$340.00} I regularly pay has a skip month of XXXX in which the company backs out the {$340.00} each year? I confirmed this in my records from previous years and see that I have paid each XXXX  Escrow of {$340.00} each of the last XXXX years and Wells Fargo has backed out this payment annually to nowhere? The company calculates my escrow yearly as {$340.00} x XXXX = {$3800.00} yet I pay {$340.00} x XXXX = {$4100.00}. I called immediately to clarify as this would clearly means I'd have an overage of estimated escrow, {$340.00} - XXXX = {$250.00} overage! In explaing this to XXXX, employee # XXXX she simply stated, " that's when Wells Fargo zeros everything out for the escrow year, '' what? I requested a supervisor and XXXX hung up! I sent in similar said complaint to Wells Fargo for immediate recalculation and insertion of XXXX 's estimated {$340.00} and have had XXXX response. In addition I have on record XXXX additional years where {$340.00} has been backed out to nowhere?

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 2023-04-13 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: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-04-13 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: IL

Complaint narrative:
Please look at the attached documents thoroughly as the personal information you are reporting is 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 2023-04-13 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: TX

Complaint narrative:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation