vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to XXXX, Experian, and XXXX on XX/XX/2022. However, it has been more than 30 days, and I have not received a response regarding my investigation. This is not making any sense. To follow up, I sent another letter last week with certified mail with tracking number ( XXXX ) XXXX XXXX : XXXX, ( Experian ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX Based on the documents I provided, the credit bureaus can see that I am aware of my consumer rights. Therefore, I demand that all accounts that negatively affect my credit score and violate my consumer rights be removed immediately. 

In accordance with Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 

Please see the attached documents as confirmation of my identity.

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 2023-02-24 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 Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 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. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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 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. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.

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 2023-02-24 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

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 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Was told I had a 90 day period to pay on my Auto loan. Car was repossessed on 77 day, I get my paycheck in 5 more days. I thought I was safe. Also I had XXXX twice which I told them, which made payment late. The people that has my car now are very rude, and teased me over the phone. Unprofessional!!!

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 2023-02-24 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Consumer reporting is providing false information to the financial institution and depriving me of my right to open a bank account with the financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
I had a medical collection that I paid off that was showing on my report. I paid this debt off in the amount of {$110.00}. The debt was then to be removed from my report as it is a medical debt. So far it is still showing as a collection on my report from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
Since XXXX I have worked with Amerihome to submit all documentation required to show that I am exempt from property taxes due to my 100 % XXXX XXXXXXXX here in the state of Oklahoma. Per XXXX XXXXXXXX XXXX XXXXXXXX, my mortgage payment should be adjusted to reflect the removal of property tax payments and updated to reflect that. When I called today ( XXXX XXXX ) to check on the status and see when the investigation would be complete, I was told no action had been taken. Furthermore, the customer service representative repeatedly derided and interrupted me as I politely tried to explain my situation and request that she look at my account and see if the 100 % XXXX  XXXX paperwork was on file for me. It was also implied that I was lying and that I didn't know what I was talking about when it came to my own military veteran XXXX status. I didn't get any help to resolve this issue and am now left to continue calling to rectify this issue. 
If this is how Amerihome views military veterans, and treats its customers then I would suggest looking elsewhere for a better mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CL Holdings LLC
State: MO

Complaint narrative:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX, 2023 To : Chase XXXX XXXX XXXX XXXX XXXX RE : Fraud Case # XXXX During two calls I had with Claim Team Representatives XXXX and XXXX, I was given the following information regarding two debit card claims that were presented for payment on XXXX/XXXX/2023 : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX During the time of these purchases, I was at work. I have included my audited time sheet from that day and the verification letter from my supervisor. 
Also, I was told by the reps that my card was presented with a PIN at each business. That would be impossible to present the card in person to both businesses, because the transactions time is only 12 minutes, but the travel distance between the two locations is roughly 19 to 24 minutes during that time of day. I have included a XXXX XXXX showing the distances. 
I would like the money from these two fraudulent transactions returned to my account and any losses suffered due to the funds reversal and investigation to also be resolved and any fees reversed. 
Ive been a Chase customer for more than 20 years and have never felt so abandoned. I keep my card secure and am careful during transactions. And yet, I was victimized by Chases handling of the situation. There was no effort to believe me as a customer, and I was left to prove my innocence and told to file a report with the policetheres nothing we can do. Information contradicted between the calls, and I had to ask several questions to find out my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
I order an item on line item never arrived file a complaint dispute they gave me temporary credit received letter saying they gon na take credit away because merchant provided tracking number went to postal office tracking number is in another address and in someone else name plus is and envelope it is impossible that 2 night stand tables will fit in an envelope that is what I order I go to bank fax proof with photos of all this they still won't give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB, I wish to advise you that Wells Fargo Bank has closed my accounts without my knowledge. To my dismay, after 39 years doing banking business, they have ruined my accounts and have created XXXX XXXX frustration and financial penalties due to their Illegal actions. I say they are illegal as the CFPB recently fined Wells Fargo Bank {$3.00} Billion for this exact issue I am dealing with. 
What occurred : I was in a high value arbitration for 21 months. An award was issued to me in this case and a wire was sent to my Wells Fargo Banking account with this money on XX/XX/XXXX. The funds arrived and I began using these funds to catch up on bill payments that needed payment. Everything was fine until the morning of XX/XX/XXXX when I received 3 separate emails from Wells Fargo stating that my account were closing on XX/XX/XXXX. 
Four phone calls on this day bared no answers as to " Why '' my accounts were closed other than they representative at Wells claimed that my finds received were unauthorized. Another phone call on XX/XX/XXXX also was unsuccessful getting answers regarding the closure of my accounts. 
I have since opened accounts with XXXX XXXX  in hopes to get my money out of Wells Fargo Bank due to their illegal, unethical and disturbing actions I have experienced. Their actions have caused XXXX  XXXX  stress, XXXX XXXX  XXXX XXXX and have made me sick. Wells  has been fined but still has not corrected the system that is in place they were fined to fix. I hope that the CFPB can assist me in cleaning up this mess I am in with Wells Fargo to get on with my life. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
1- I opened robinhood spending account, brokerage account, and roth IRA in XXXX of XXXX 2 - On XX/XX/XXXX at XXXX I received an email from Robinhood with subject line " We received your message '' - ( I did not send any message to prompt this ) 3 - Shortly after email received noted above, I received another email also at XXXX stating that my accounts have been suspended, and I am not allowed to make any withdrawals to any of my linked accounts. 

4 - I had set up my employer to direct deposit a portion of my earned paycheck into my Robinhood account and was not allowed to access the money I counted on for day to day spending. This money was not accessible to me during the " investigation '' process. 

XXXX - I assert that Robinhood 's resolution process put me through undue burden and duress. I was forced to provide a bank statement for an account that was closed in XXXX of XXXX, copy of driver 's licence, and multiple calls made without adequate explanation or resolution. ( I was told they couldn't tell me the reason that prompted the whole ordeal in the first place ) 6 - Above issues were MOSTLY resolved after an incredibly frustrating process, however Robinhood still will not release/make available the funds that still remain in my roth ira account XXXX They have asked for a bank statement which was provided over a week ago. Then they asked for a copy of my driver 's license. It has been over a week since both were sent in, and no follow up from Robinhood. 

7 - I submitted 4 requests for customer support today through the Robinhood app. The first two requests got cancelled from their system and I wasn't called back. My third request for a call back resulted in a message on the app saying that the team I need is only accessible via email, and that I had to reply to an email he was going to send. 4th attempt at a call back resulted in someone calling back from the options trading team, who again said the team that could help me is only accessible via email, then became annoyed with me when I was asking how long it would take to hear back from them, and then he threatened to lock my account for being an irate customer. 

Not only have they effectively taken my money hostage, but they are making me jump through hoop after hoop without even telling me when they'll get back to me, or not even replying at all. How can a financial institution actually dodge a customer 's phone calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I have an hard inquiry on my credit report on XX/XX/XXXX. XXXX for a gas card with Shell/cbna. I did not apply for a shell card XX/XX/XXXX. I called them at this number ( XXXX ) XXXX to dispute the hard inquiry and wanted it taken off my credit report. They told me to contact you at XXXX. I did and got sent here. 
I did not apply for a card with them XX/XX/XXXX and all I wanted was this hard inquiry off 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 non-monetary relief
Consumer complaint received 2023-02-24 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX at the XXXX XXXX XXXX XXXX dealership I signed a retail installment contract with credit acceptance for a XXXX XXXX XXXX. I have recently learned that the contract is faulty due to the additional charges with loan. In the beginning credit acceptance as a lending company is not accommodating to their customers. Before payments were due I asked for a different pay date due to my pay period but was denied. Over the course of the loan credit acceptance has reported incorrect dates and payment amounts to my credit report. In addition to massive hidden fees I have accumulated on my account the numbers are not correct for how much is owned on the car loan. The numbers are different on all three credit reports. Once it took me months to dispute charges and receive a resolution for hidden fees. Credit acceptance do not issue bill statements to customers its only by request, on the website the customer has limited access to their account. The customer can only view current and past due amounts. Credit acceptance as a lender is not professional by conducting business as such. On XX/XX/XXXX th vehicle was repossessed, I recently learned the vehicle was damaged under the care of the third party repossession company the vehicle is now deemed inoperable and being sold at auction. I have invested in over {$21000.00} in a vehicle that was worth {$13000.00} at the time. Furthermore the vehicle is now inoperable due to someone else negligence. I have contacted credit acceptance regarding the damages i discovered on the auction website to the vehicle on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
Hello, I opened a checking account with citibank last month, made an opening deposit of {$30000.00} from my XXXX money market acount for a {$400.00} bonus promotion. About 2 weeks later I got a notification from citibank that they had closed my account and that I would be receiving a letter in the mail with the reason why. It has been almost a month since then and I have received no letter. I ended up going into the branch and they told me the account was closed due to fraud. There has been zero fraud in my account and I even showed the citi banker the transfer that came out from my XXXX account to fund my new citibank checking account. Citi is now refusing to give me the money back and I fulfilled the terms of the promotion as well so I am also demanding the {$400.00} bonus that is due to me for depositing the {$30000.00}. There was no fraud in my account, I have used this XXXX savings account for almost a year now and have had no issues with any other bank. Please get this resolved with Citi, they are thieves. Everyone I speak to at Citi customer service hangs up on me. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2023 went to Wells Fargo Bank located in XXXX XXXX, SC and wanted XXXX XXXX dollar bills converted to XXXX single dollar bills. Denied service because I was not an account holder.

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 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and havent heard anything back. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX XXXX, CO 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