vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to address concerning inconsistencies in the reporting of a XXXX XXXX account on Equifax Credit Bureau, specifically in comparison to information on another credit reporting website. 

Upon careful examination of credit reports, I have identified significant discrepancies that indicate potential violations of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX account is currently reported differently on Equifax Credit Bureau compared to another credit reporting website, resulting in inaccurate and misleading information. 

Charge Off and Collection Reporting : On one website, the XXXX XXXX account is reported as a charge-off, while on Equifax Credit Bureau , it is reported as a collection. This inconsistency in reporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to provide accurate and complete information regarding any collections. 

Misleading Past Due Balance : Additionally, the account is displaying a past due balance on Equifax Credit Bureau, contrary to its status as a charge-off. This misrepresentation infringes upon Section 623 ( a ) ( 5 ) of the FCRA, which mandates that creditors report accurate information, including the date of any charge-off. 

FTC Identity Theft Report : I would like to emphasize that this XXXX XXXX account is fraudulent, and I have completed an Identity Theft Report with the Federal Trade Commission ( FTC ) to address the identity theft issue. Reporting inaccurate information on a fraudulent account further compounds the violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a personal information breach and my credit report is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I called my lender, Carrington Mortgage, to verify my first payment was not due until XX/XX/XXXX of XXXX and the representative said they never promised me that. When I told her I talked to many agents stating the first due date of my mortgage after the loan modification was on XX/XX/XXXX, she claimed I was lying and that agreement was from my previous lender. I have attached the email from Carrington saying when my first mortgage payment is after the loan modification and the letter they sent claiming that I owed from XX/XX/XXXX to XXXX. 

They also said they would change my mortgage interest rate from 2.78 % to whatever the current rate was, when I told them they could not do that, they put me on hold. 

I will have to file for bankruptcy to get away from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is intentionally hurting my credit. They do not do their job with investigations. I have recently disputed XXXX XXXX inquiry on XX/XX/XXXXXXXX  and they did not remove it. I asked for them to provide me proof of how they came to that decision and nothing. Just oh the company said it was yours. Again, I disputed this in XX/XX/XXXX and again on XXXX that I disputed this last and within a few outs they made that decision. Im guessing they did no research at all nor contacted XXXX XXXX. I personally reached out to chase last month with a dispute and they asked for all creditors to remove the inquiry. Even sent me a letter to let me know what they have done. Yet Equifax said the inquiry was validated. Im sorry but now compensation of {$1000.00} is owed to me as they have violated my rights for not properly investigating my dispute. Equifax is not trustworthy credit reporting agency and need to be held responsible for this mistake they have made multiple times over the past 90 days. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately And compensate me for the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously disputed information through FTC and led a CFPB complaint for fraud with all three bureaus. I was successfully able to get responses from XXXX and XXXX When I spoke with Equifax, they initially told me they didn't receive my letter. This was the first part of the run around - this has been happening for months. This isn't the first complaint. After about 25 minutes on this last phone call, they stated they did receive it but it appeared that I didn't do it in their particular format. The information was in the incorrect spot. I'm reporting fraud on the inquiries of the accounts, but not that accounts have appeared on my report. I'm ling another report to include the correct information in the correct format as they requested. This complaint is because they refuse to properly report my information and have given my information without my written consent, with no proof of written/live signature from me. I have included the fraudulent account/inquiries, and will also include them in this statement. I stated that Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, I have not given my written consent for my credit to be run or for these inquiries to have appeared on my credit. They are adversely impacting my ability to obtain credit and should be removed immediately. XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX  ( XXXX ) and XXXX XXXX ( XXXX ). I'm tired of Equifax using my report however they want and holding my information hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
hi my name is XXXX XXXX i opened my checking account with wells fargo trough the website on XX/XX/2023 and after a while i deposit a cashier check under my name from another institute ( XXXX ) and i withdraw some money in person from inside of branch and even i paid my office rent on XX/XX/XXXX  ... but suddenly on XX/XX/XXXX  they put hold on my account with all funds that i have without any notice or letter or email to me it was my only checking account and all the credit payments and bills were set up with that account and all of them declined my credit score crashing down i called what's happened they said you have to go bank in person!! they ask about my immigration status i provide my permanent residence card and social security and driving license they said we need additional documents ( XXXX declaration form ) i did initial and signed for them on XX/XX/XXXX   for wellsfargo in XXXX XXXX XXXX  i was ready for removing hold on my account but they did nothing they said it's gon na take time to review and you got ta wait we can't give you your money back or even close your account you just need to wait i literally need my money that's all i have... they don't respond to me as well i believe in the only reason they put hold on my checking account is i opened my checking account online however i properly input my all information such about i'm from XXXX i have permanent residence card and my social security number but they put hold because they said we need more additional documents ( XXXX declaration form ) for XXXX  people my problem is you shouldn't open my bank account through the website when i provided for you i'm from XXXX on the online website forms, you could simply show the massage you are not allow to open checking account through website please go to nearby wells fargo branch in order to opening any bank account... today is XX/XX/ my account is still freeze and they don't respond me as well please have a consideration for me thanks my phone number is 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I Have addresses Reporting to my lexisnexis report that are INACCURATE my correct name and address is XXXX XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. I request that the following names, birthdays and addresses associated with XXXX be deleted from my Lexisnexis report XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthdays : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid a total of {$4300.00} in XXXX of 2023 to pay my Bank of America card off in full, and this amount was confirmed by a Bank of America agent. In XXXX of 2023, I received a statement from Bank of America for {$83.00}, I called to advise this account was paid in full, and I was advised this was interest. I requested and the agent agreed to waive the fee, I was under the impression all had been resolved until I received a 30-late notice from all of my credit bureaus. I have never had a credit card company bill for interest after the card has been paid in full. I was so disappointed with Bank of America that I paid the fee and closed my account. I am also pulling all of my accounts and investments. 

Account # 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 monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Received a letter of rejection for credit card from Bank of America, XXXX TX, Ref # XXXX. The letter was sent to my home address with my first name but a different middle and last name. This may be an attempted fraud.

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 2023-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MD

Complaint narrative:
MRS COLLECTION AGENCY ON BEHALF OF XXXX XXXX XXXX WITH REFERENCE ACCOUNT NUMBER XXXX AMOUNT ON ACCOUNT {$160.00} PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Venno company will not answer questions and dates and reasons my account was permanently deactivated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third had a promotion to receive a slightly higher than market rate on a money market account. The banker when I set it up told me when the promo period expired they would help me get into a new promotion or a current rate. When the promo did expire, no one at Fifth Third could tell me what my new rate would be or when it might change, only " back office '' systems determine that. Another banker also encouraged me to put additional money into the bank to take advantage of another promotional rate. The " listed '' rate on a money market is 0.01 %, which is obviously well below the market rate. 

I believe these promo rates are UDAAP. It encourages the customer to put large sums of money into the account to get a marginally higher rate for a brief window of time but then Fifth Third will not disclose what happens to the account next. It is bait and switch at best and simply deceptive as well. Clearly the business model is to pay the high rate for a while, assume most customers will forget about it and then lower the rate to one well below market rate. If these things were properly disclosed, it would be one thing but they are not. It simply isn't acceptable to say the " back office '' will determine your rate and we won't tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
Reported XX/XX/2023... .Amount {$2100.00}. Called and filed a police report. Trying to get the negative report removed from my credit

Company response to consumer: Untimely response
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian regarding the removal of an incorrect address on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: MN

Complaint narrative:
On the XX/XX/XXXX  Ive went to Chase Branch ATM to make a withdrawal of {$660.00} which the ATM machine was failed to dispense my money but took my funds out of my account. first attempt the transaction was denied which is unexpected because Id have enough amount to for ATM to dispense, Ive tried again on the second attempt the transaction also denied Ive went back right into my bank app to check whats going on, I have noticed the transaction has took the following funds out of my account pending of {$660.00} which is what I was trying to withdraw but it didnt dispense any following Cash Ive went inside the branch spoke to the one of the clerks also notified about the incident I was insisted to call the Chase dispute and I will be getting refunded with the funds that was withdrawn from account. Ive called and filed the claim on the same day that had happened I was promised I will be getting my funds back at the end of the same day or at least by Saturday which has not yet posted on my account. I am demanding for my funds to be refunded as soon as possible I have important things that I was trying to do with the funds now Im no longer have access because Chase is fraudulent holding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax about several innacuracies about my address on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX I have never been associated with those addresses. 

Additionally, I request the update of late payments to accurately reflect my payment history. Specifically, US Department of Education Balance {$2700.00} opened XX/XX/XXXX  US Department of Education Balance {$3900.00} opened XX/XX/XXXX  US Department of education Balance {$3900.00} opened XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX  I sent documents to TransUnion to update my personnel information Name is not correct, haven't heard anything from them. This is the second time I had to contact them in regards to my personnel information. I sent certified mail as well.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime is purposely not sending the XXXX that was left in my account. They unfairly closed it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
For years I have tried to get information from Mohela, spent countless hours on hold, and received bad information when finally reaching someone. Most recently, I have spent hours trying to reach someone, but no one ever picks up or calls me back. I can't understand how I could still owe money on my federal loans, if I've made 126 PSLF qualifying payments ( per the information in my account profile ) and you only need to make 120 qualifying payments. Meanwhile I continue to be charged each month and accrue interest. If someone would just explain this to me, I could pay what I need to pay, or resolve the issue, but the information available online in my account makes no sense and you can not reach anyone for more information. 
As a more general issue, this company should be investigated, they consistently give out misleading information, and make you resubmit the same thing over and over again while never looking at their own errors or improving their processes. I work in public service, I pay my taxes, and it is infuriating to be treated like this by this company which is being paid with taxpayer dollars. Dealing with them has become a second job and a misery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I have a new inspection fee of XXXX dollars. I have been trying to get this company paid as soon as possible They are coming up with new fees. Why they are inspecting or adding additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hello! 

I was a member of Chime - Mobile Banking and my account was closed on XX/XX/. I have spoken to multiple supervisors within multiple departments. They have refused and lied to me about sending a check with my remaining funds in my account. I have opened numerous ticket numbers regarding this issue. Remaining funds is {$370.00}. 

I do not have access to the email or address that is on file and I have explained this issue to them multiple times. 

Their policy states that a reimbursement check must be sent within 30 days. It is now XX/XX/XXXXXXXX  and have no received anything. They have confirmed a check has not been sent. 

Ticket numbers opened : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is attempting to charge me {$25.00} for a credit monitoring service - " XXXX  '', that I do not recall signing up for. I believe this is a case of a predatory subscription service.

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