vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My name is XXXX XXXX, on XX/XX/XXXX I submitted CFBP complaint ID XXXX for an unauthorized payment made by Wells Fargo Mortgage to XXXX XXXX XXXX on XX/XX/XXXX for a balance that had been paid in full two months prior in XX/XX/XXXX based on out of date information. Since the initial complaint Wells Fargo has postponed the resolution date twice and I just received another notice indicating the resolution date is being extended again until XX/XX/XXXX. I feel this is a completely unnecessary delay for such a simple matter. I have already provided the documentation that verifies the payment was made in full two months prior to their payment and the associated account has been current since the payment in XX/XX/XXXX was made. When I spoke to the Wells Fargo case manager she had indicated that an investigation had been done and the findings were that the balance on the account was still outstanding at the time of their payment which has been documented and confirmed not true. Can we please have the issue resolved and have them facilitate the refund of their funds from my account as soon as possible without any Duty to myself.

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 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
In 2022, I was contacted by a collection agency on behalf of XXXX XXXX XXXX. I was informed its located in XXXX XXXX ; I was being contacted in-regards to a debt for there client The balance owed was a little over {$5000.00} dollars I told the rep I had never lived at XXXX XXXX ; On my credit report its reflecting the start date was XX/XX/2022 I was living in North Dakota at the time and I have my lease to prove I signed my new lease XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX ND  They requested for me to send it along with a notarized affidavit they've stated they haven't received it as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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 have been communicating with the credit bureaus and providing all required documents and they have not complied properly with me and have not removed these fraudulent accounts. I am a victim of Identity theft.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX last year, I suddenly found that my Chase debit card was not working, so I called Chase Bank to ask about the situation. Chase customer service told me that my card had been closed and the remaining amount would be sent to me in the form of a check. However, I have not received a check in the past six months, during which time I have called Chase more than a dozen times, but each time I have been told that they are still investigating and can not give an approximate date for when the check will be released or the reason for the account closure. I think this is very irresponsible and disrespectful to the customer. I have XXXX dollars in my card, which is all my savings. Chase Bank impound my funds without any reason, which has a great impact on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to describe an issue that I have experienced with American Express National Bank XXXX I applied for a credit card with the company and was approved without the proper verification of my income. Due to my current unemployment status, I have been unable to make payments on the credit card and am now being sued by the company for the amount owed. 

I believe that he company 's oversight in properly verifying my income prior to approving my credit card application has resulted in a challenging financial predicament for me. I approached the American Express National Bank Credit Collector Customer Care representative to request a postponement of the monthly payment due to my financial hardship. However, the representative declined my request and did not seek counsel from their manager, instead insisting on the high monthly payment amount, rendering the credit card unusable for me. I even expressed interest in a Product Management role in Software Services and asked if they could refer me from American Express National Bank Credit Collector Customer Care representative however, my request was denied. 

Furthermore, I was distressed to learn that an Amex employee contacted my sister regarding my debt, jeopardizing my personal information and putting a strain on our relationship. This incident has caused me considerable anxiety and stress, particularly in my relationship with my sister and other family members and in my ongoing search for employment, which has proven to be a challenging and uncertain process. 

When I offered to pay them the amount I could afford monthly, under the condition that they do not freeze my account while I am making payments and allow me to continue using the credit card, they refused to reach a settlement and instead informed me of a lawsuit, which I discovered today. This is because my current address does not match the one listed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
dear American Express I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/XXXX the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following Monday I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys mailed me a letter on XX/XX/XXXX saying i made payment arrangements therefore I'm accepting responsibility of this account i XXXX XXXX have never made payment arrangements with American Express so am not accepting responsibility for this fraudulent account. 

i do have some questions that I would like answered? 
I would like to know why you never contacted me after running my credit report and seeing there was a fraud alert on there? 
and according to my XXXX credit report the credit limit was XXXX dollars but the person who stole my identity was able to spend XXXX plus dollars how did this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BOEING EMPLOYEES' CREDIT UNION
State: NM

Complaint narrative:
XXXX negotiated the debt with Boeing credit Union and paid it off in XXXX of XXXX. I get several calls a week from a company called XXXX telling me that they are calling because I owe Boeing credit Union which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
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: NJ

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TX

Complaint narrative:
n accordance with the Fair Credit 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

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 2023-04-12 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: TX

Complaint narrative:
n accordance with the Fair Credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CBC Companies, Inc.
State: VA

Complaint narrative:
Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
I have filed a complaint many times an it draining me emotionally and affecting me financially an I need this fixed. The continue to report incorrect an inaccurate information about me on my consumer report. They have XXXX calender days to prove any of these alleged private transactions were mind and show me documentation that I gave verbal or written consent to share to a third party. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response XXXX FIN XXXX and remove all inquires list in uploaded file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I applied for a mortgage approval and my credit was run and one of the 3 credit reporting bureaus, I think XXXX, sold my personal information. I have had for XXXX phone calls and text messages today and someone called and listed off my SSN and DOB. The mortgage lender indicated they can not do anything about that and they are aware that the credit bureaus are selling information. I want to report this and will be considering sueing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc.
State: WI

Complaint narrative:
The transaction ( s ) in question. Did they pend before not being successfully completed and if so for how long? While they pended I had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I exited out of my browser and closed the tabs relating to the creation of the transaction ( s ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Each time I was shown the total to be money ( s ) totaling {$10.00} not {$29.00} not {$24.00} or etc. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX  paired with a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash that Cashapp made an authorization hold possible that I couldnt pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance and the cash balance did not reflect that to be able to cover the full price of the transaction ( s ). Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality. {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them. Cashapp has allowed the theft of my cash whether retrieved hostilely or civically or not, the emotional state and well being of my person was injured before the cash was retrieved and that is because of Cashapp. Cashapp has to remedy that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: IL

Complaint narrative:
There is information reporting to my credit that is fraudulent reporting on my Trans Union. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
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 2023-04-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
ATT citi bank card was opened in my name. I contacted the company and they said they would look into it. The next day I received more emails detailing them setting up online banking and the card was on its way

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 2023-04-12 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: DE

Complaint narrative:
XXXX XXXX  has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : 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 2023-04-12 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: DE

Complaint narrative:
XXXX XXXX has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX years old ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My amount financed was {$39000.00} as of XX/XX/XXXX which is the day that I signed the truth in lending disclosure. By the time I got the welcome notification from Honda on XX/XX/XXXX, my amount finance had increased on {$39000.00}. I asked where the {$110.00} had come from they told me it was interest that was added on to finance charges even before my first payment was due. I was shocked that I was forced to pay interest on top of interest even before I had a chance to make online payments. My first payment was not due until XX/XX/XXXX. Honda was going to add a whole month of interest onto my finance charge before my first payment. 

So I try to pay down as much as I can the next day on XX/XX/XXXX. My payment took 2 days to reflect on the account. Then, I found out today XX/XX/XXXX that my payment of {$29000.00} was processed, but the entire {$29000.00} did not went into principal. They had taken out {$110.00} for interest and applied only the rest {$28000.00} to principal and my first payment is still due in XXXX!

Company response to consumer: Closed with explanation