vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo is involved in a class action lawsuit pertaining to fraudulent car loans, or practices. I had a Wells Fargo car loan between XXXX. I was forced into XXXX insurance in order for Wells Fargo to approve the car loan. I never received any money back when my car was deemed totaled.

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 2023-02-15 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: TX

Complaint narrative:
Equifax is allowing XXXX XXXX to furnish inaccurate information to my credit file. Charged off account ending in XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX. This is a 2 year difference. I want the account deleted due Reporting inaccurate information. I do not want to see disputed and verified of this account. I am providing proof from my actual credit report that the information is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : -XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXX- Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX- Inquiry Date XX/XX/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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated the transfer of {$3000.00} from my Chase Bank checking account to my XXXX checking account, through the " Real-time '' delivery method. I have used this mechanism for transferring in the past ( for at least 2 years ) between the same 2 accounts. 
Transfer was not completed by XX/XX/XXXX, I called customer service from Chase bank, and they said I need to wait another day before they can start reviewing the possible issue. 
On XX/XX/XXXX, the transfer was not completed yet. I called Chase Customer Service, and spoke with several people from multiple departments, including Claims Department, Online Claims Department, Electronic Money Movement Dept, etc. One representative ( I believe from Online claims Dept ) finally acknowledged there was an issue with transfers between Chase Bank and XXXX due to an internal technical issue, and they were working to resolved it. Claim # XXXX was filled. I spoke with a supervisor ( I believe his name was XXXX XXXX, and he assured my the transfer was going to be completed by XX/XX/XXXX, after an additional XXXX business days. 
On XX/XX/XXXX I received a written communication from Chase regarding my claim stating : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. ", however the funds transfer was not completed. I have called XXXX, and they informed me there are no funds being transferred to my account from Chase, and they dont have any information of a transfer. 
On XX/XX/XXXX the transfer was not completed. I called again Chase Bank, and spoke with Online Claims Dept. The representative ( I believe his name was XXXX XXXX, confirmed there is still a technical issue for transfers from Chase on that date ( XX/XX/XXXX ), and that there are multiple customers impacted. However there is no estimate date to resolved it. I demanded my money to be credited back to my Chase account until they resolve the issue, but the representative said he couldn't approve it. I spoke with his supervisor ( XXXX XXXX and he said they could not credit back my money, and I'll have to wait until they resolve the technical issue, but he doesnt know if it would take days, weeks, months or years. He suggested to call the Chase Executive office. 
On XX/XX/XXXX I called the Chase Executive Office, explained the case, and filed another case # XXXX. 
Today is XX/XX/XXXX, I haven't heard back from the Executive office or any of the Departments of Chase bank. My money has been debited from my Chase account ( {$3000.00} ), and not credited to my XXXX account, which is causing me to be late in payments, for which I'll require to pay late fees. This is unacceptable! I demand my money to be credited back to any of my accounts immediately, while they fix their technical issue ( which is not my fault ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. TransUnion will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. TransUnion refuses to look into this.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reported identity, theft, and fraud to chase bank beginning in XXXX, and have filed identity theft with FTC. I am now in a homeless shelter yet Chase Bank continues to allow fraud to continue when I do not even have the debit card. This is in multiple thousands of dollars I have spoken with customer service over phone and in bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
They call and harass me non stop. While I try and work everyday calling and calling 7 days a week. I reached out to try and re finance my car loan they told me no I couldnt. I became late on my payment. Then I send them almost XXXX dollars and they start calling and harassing even more. Their calls are taking a toll on my mental and physical health. Im a single mother of two small boys. And their dad stopped paying child support. I told XXXX this and they didnt care. I feel like they are trying to make me sick by their harassing g behavior. My XXXX XXXX is sky high and I cant take much more of them. Please help

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 2023-02-15 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: NC

Complaint narrative:
Experian has XXXX XXXX XXXX from XXXX ( see attached FTC Complaint ) of which 5 are under the {$500.00} limit set for 2023. None of these are valid and I have expressed to XXXX in writing these debts are not validated and I am speaking directly with XXXX now to do just that. These 100 % are a violation of the FDCPA and I am disgusted with Experian in their handling of this. Usually, they have been good in working with me, but not this time. I feel this should be investigated and actions should be taken.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase XXXX XXXXXXXX XXXX XXXX took money from my closed account before sending me a check for the remaining balance, resulting in me not getting all my funds back. 

XX/XX/XXXX - XXXX Remote Online Deposits were made with an amount of {$2800.00}, totaling a balance of {$2800.00} in my account. 

XX/XX/XXXX - XXXX XXXX - XXXX XXXX, removed- {$2300.00} leaving me with {$450.00} I believe Chase is definitely breaking the law here. Chase was supposed to mail me a check of {$2800.00} not {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I put in a request to take my name of my mortgage also known as an assumption because my ex wife is now the sole owner. The lender agreed to look at our situation and a {$950.00} non refundable processing fee was required which we paid. We sent in all required documents is a timely manner. We understood that we may be denied and were comfortable with taking that chance. The assumption went to underwriting in XXXX of 2022 with a timetable of two months to get a response. We never got a response and the loan was sold in XXXX of 2022. The new lender is requiring us to start the process over. So we requested a refund of our {$950.00} which they have denied stating that it is nonrefundable. But they never provide the service they promised. The lender is Dovenmuele. Their best contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: Chime Financial Inc
State: PA

Complaint narrative:
Bank account on my XXXX credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Great American Finance Co
State: PA

Complaint narrative:
I received a bill from Great American Finance stating that I owe {$3000.00}. I called and emailed multiple times to report this as a fraudulent account since XXXX XXXX but have gotten nowhere in resolving this matter. I first called on XX/XX/23 and was told to send an email with my information to their administrator and I would hear back. Its now XX/XX/23 and I still havent heard anything from them. I called again asking for help and the representative XXXX actually hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: SD

Complaint narrative:
XX/XX/2021 Account was opened with my information while I was incarcerated. 
I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: MN

Complaint narrative:
My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. XXXX will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. XXXX refuses to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new account with Macys. I never received a physical card in the mail. Six months later I made a purchase at Macys. When I tried to make a payment on my account, I realize that I needed a physical card showing my account number in order to make the payment. I had called in to Macys a second time, and requested a card be sent out to me. I had not received the card for over four weeks. Because of this I could not make a payment on time. As soon as I receive the card in the mail, I went onto the app and paid off my balance in full. I then called in to Macys to explain what had happened, and they did reverse the late fee. I made the payment on the app from my checking account with a wire transfer. Those funds were immediately taken from my checking account, and were applied immediately to my Macys account. I noticed that my available credit has been showing as XXXX for weeks after my payment. When I called into Macys to understand what the issue was, they explained to me that there was a hold on my funds for more than two weeks. When I spoke with the representative, I explained to her that those funds were sent electronically in a wire transfer, and they were available to Macys weeks ago. There should be no reason for my account to be showing that I have no available credit on my account. I explained to the representative that this is an issue because it is reporting to credit agencies that I have no available credit on my account. The representative said that she could do nothing for me other than allow the timeframe of the hold to expire. She didnt seem interested in helping with the situation or understanding that what Macys is doing is an illegal practice as they had my funds immediately in their possession. I want to report this to the credit reporting agency as I believe this is unfair credit reporting.

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 2023-02-15 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2023-02-15 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: GA

Complaint narrative:
I filed a dispute with Chime on XX/XX/2022 regarding unauthorized charges on my account totaling {$1700.00}. On XX/XX/2022, I received an email from Chime Member Services stating that {$610.00} of my total claim amount was denied, and on XX/XX/2022, I received another email from Chime Member Services stating that the remaining {$1100.00} of my claim was denied as well. According to these emails, their " investigation '' determined that " no error occurred '' and this was their reasoning for these denying my claim. Upon receiving the initial denial email on XX/XX/2022, I emailed Chime support inquiring about the process in which I could go about appealing their decision. A member from the Chime XXXXisputes Team responded with information regarding the rebuttals process. I responded to this email on XX/XX/2022 with additional information and documentation supporting my statement that these charges were unauthorized. I received an email confirming that my rebuttal documentation was received and was told that the rebuttals process may take up to 45 calendar days. On XX/XX/2022, I received an email from the Chime Dispute Team stating that my claim had been reopened and that the additional information I provided didn't change their decision to deny my claim. They indicated that they considered the matter closed and mentioned that I had a right to obtain copies of the documents they relied on in their investigation. I responded to this email on the same day requesting copies of the documentation they referred to, and later that day, XX/XX/2022, I received a reply stating what would be included in the documentation and that I would receive the documentation within the next 10 business days. That said, I still have yet to receive copies of the documentation I requested regarding the information they used to deny my dispute claim. Despite following up, I have not heard back from Chime regarding this claim since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
BLOCK, Inc. CashApp : Filed a 1099k in my name with my address and SS # for $ XXXX income in 2022. As I understand it, they are reporting revenue collected by businesses using electronic transfer of funds. 

I have no such account, have never worked with the companies listed nor have any business that processes or uses electronic payments. 

If I can't get this 1099k corrected, the IRS will look for me to pay taxes on income I did not receive.

The fraud calim involves unauthorized use of my personal information that was obtained fradulently and misreporting income that would allow the sender to avoid paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have an account with Marcus Goldman Sachs. I tried to process a transfer on XX/XX/XXXX from a Marcus Savings account to a XXXX XXXX XXXX account. They deposited two small amounts to my XXXX account as a confirmation of the external link between the banks. A few days later they informed that I could not deposit funds in that account and asked if they should cancel the transfer. I said yes. A week later I was still seeing the transfer was pending. I contacted them again and they said that they decided they could deposit to the account. Nobody told me. So all three parties got on a call and they confirmed my account and told me the transfer was being processed. I checked several days later and still nothing. I called back yet again and they could not explain what was going on but I am still unable to transfer the funds to any of my accounts. I told them to cancel the transfer and to close my account. They asked funny enough which account I wanted the funds transferred to. I selected a different account and they told me it would take one day. I called back today as I still do not see any activity pending on my other account. Now they are telling me it will be three days more. I have no confidence I am ever going to see this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I lost my house to foreclosure back in 2016, Wells Fargo was supposed to be doing a short sale with me and my attorney that I was paying. And the day of the short sale, Wells Fargo just decided to Fort clothes and take my house from me. I have never gotten any money from any settlements.

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 2023-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I settled a debt with XXXX XXXX on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. XXXX XXXX has now sold the debt to Debt Recovery Solutions. 

I found that they are now reporting this on all three of my credit reports. 

XXXX XXXX are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Someone fraudulently opened a XXXX account in my name. 

I contact XXXX on XXXX and again on XX/XX/XXXX. The amount t of the fraudulent charges is {$1200.00}.

Company response to consumer: Closed with explanation