vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manageXXXX and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has broken a legally binding agreement. The status for the account I am referring to was to be updated to ( paid as agreed ; closed ) upon receiving payoff. This verbal agreement was made on a recorded line between a XXXX XXXX XXXX XXXX compliance manager and I on XX/XX/2023. XXXX XXXX XXXX XXXX has failed to deny the verbal agreement. Per Texas legislation, a verbal agreement is legally binding. Not only has XXXX XXXX XXXX XXXX failed to uphold this agreement, the information being reported is inconsistent between all three credit bureaus.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank Still Uses Old Verification Method Through Mail Which Is Mind Blowing That A Bank So Large Own Real Estate Stadiums And Other Businesses, Cant Verify My Account With A Phone Number On File Thats Registered To My Name Citibank Is Fraud I Feel Like Public Records Should Be Illegal It Doesnt Help Anything But Make More Fraud Happen Anyone Could Find My Address Name Phone Numbers And Relatives I Just Think The Government Should Let Banks Have Less Regulation & Public Records Should Be Banned

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2023-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking and savings account at the Chase branch located at XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX ID XXXX helped me when I opened the accounts After opening the accounts, I was given a folder with an account summary, information about earning an account bonus, details on how to set up direct deposit, information about my debit card, and starter checks. I never received information about fees for the savings account and was never told anything about fees for the savings account. I was advised that I would need to keep at least {$1500.00} in my checking account or receive direct deposits to avoid fees on my checking account. 

A couple of days ago, I noticed that I was getting charged {$5.00} per month on my savings account. I called Chase customer service XXXX XX/XX/XXXX and asked about the fees and requested that they reverse them. 

I was told that in order to avoid fees, I'd have to keep a minimum balance of {$300.00} in the savings account or have at least one automatic transfer per month. I told the agent that I'd set up an automatic transfer to avoid the fees going forward and that this information was never disclosed to me when I opened the account. The agent told me that they could only reverse the fee for one month per company policy. 

I then asked to be transferred to a supervisor to see if they could make an exception to this policy as the fees for the saving account were not disclosed to me. I was then transferred to XXXX XXXX at the main customer service number. XXXX stated that he was unable to make an exception even though the fees for the savings account were not disclosed to me. 

I then decided to try to speak to someone at the branch. I called XXXX XXXX on XXXX XXXX XXXX and requested he reverses the fees because I was not made aware of the fees when opening the savings account. XXXX said that he, nor anyone else at the branch had the authority to reverse the additional fees and suggested I call customer service ( which I already knew was a dead end ). 

I stated to both XXXX and to XXXX that refusal to reverse these undisclosed fees would leave me no choice but to file a complaint with the CFPB and neither one seemed to care. 

Thank you for your time and attention to this matter. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am writing in regards to JP Chase Morgan bank pulling my credit without my knowledge. I was inquiring about a credit line increase and was told via email ( see attached documents ) I would not receive a credit check if I provided certain information and the increase in credit did not go over a certain amount. I provided the information and the credit increase amount did not go over. However, JP Chase pulled my credit which I had no knowledge about, if I knew I was going to get a credit pull I would have not went through with the request however, JP Chase told me they would not and still did without my knowledge and permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX. On XX/XX/2023, I deposited through the mobile application a check in amount of {$4300.00} in my Wells Fargo checking account. The check was drawn against another personal account of mine opened at XXXX. 
Right away, Wells Fargo made available the amount of {$400.00}, stating that the rest of {$3900.00} would be made available on the next business day, XX/XX/2023. 
XXXX. On XX/XX/2023, Wells Fargo revoked the previous decision and put the entire amount of {$4300.00} on hold until XX/XX/2023. 
XXXX. Then, on XX/XX/2023, Wells Fargo again changed its previous decision and extended the hold on the entire amount until XX/XX/2023. 

As a result, today, XX/XX/2023, I called Well Fargo and, after speaking with XXXX different people, the resolution was that there's nothing that can be done to release the hold because XXXX marked the check as " potential fraud ''. 
In response, I contacted XXXX right away and they confirmed that ( XXXX ) not only there was no fraud alert on their side but ( XXXX ) they had already honored the check on XX/XX/2023. 

What this means is that Wells Fargo continues its well-known dishonest behavior. XXXX paid the check, but Well Fargo has unilaterally decided to put my funds on hold, with all the repercussion... on XX/XX/2023 I did not have enough funds to pay my mortgage ( also at Wells Fargo ) and my money is not available at any of the XXXX banks.

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 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-02 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
In XXXX I was a victim of identity theft and they opened an account with treasures on the bay. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXX Bank to delete that account from my credit profile. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX, who is now XXXX, had our home refinanced through Wells Fargo Mortgage Company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; for verification, I do have documentation of her living will. My name is on the deed, not on the mortgage loan ). After passing away in XXXX, I inherited the home, in which I am currently residing. At the time of her passing, I had called numerous times to WFMC concerning the loan and trying to refinance the home in my name. They never returned my calls; all I got was auto voice, transferring me from one person to the other. Still, I wasn't able to talk with anyone. By the way, I am of the XXXX XXXX XXXX XXXX XXXX XXXX. I did get mail correspondences informing me to call such phone numbers and talk to persons. When I did, no response ; only voicemail and so forth. As a result of this whole scenario that I went through, I had to declare bankruptcy because of my job situation and payments were getting behind. I didn't appreciate how WFMC treated me as a customer. They could have cared less. Even through the bankruptcy process, I had to pay the escrow on the mortgage, and not to mention, they increased the payments while under XXXX. I did make the payments, faithfully, so much until they threatened foreclosure. I was not a happy camper. I will be more than happy to send documentations of this by faxing or mail or emailing.

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 2023-02-02 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: HI

Complaint narrative:
Experian is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by Experian. These are attached. My account and credit has been compromised.

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX I called care credit to inquire about " card security '' fees. I signed up for care credit in XXXX and never have authorized this card security fee. I asked the representative on the phone if she could pull to where I signed up for this with an written authorization and signature and she said I signed up for it online on XXXX with my application however I do not recall this. 

I noticed it today because my autopay is on and I signed in and my amount charged for services has NOT gone down because of these fees! Every month I am paying and it is not doing anything because of this card security fee I did NOT sign up for! 

The representative said she could cancel the card security fee immediately and issue a refund of {$150.00} however there are over {$600.00} in these card security fees spanning XXXX as XXXX I had {$320.00} and for XXXX {$13.00}. She said they were only able to refund the {$150.00} and that I couldnt do anything more to request the full amount to be refunded. I am unable to see the XXXX fees because my statements do not go that far back. This does not help all the other months of charges that were wrongfully charged and scammed me I asked if she could escalate this to get these fees refunded and removed. I am officially making a complaint because this company did not get my authorization to sign up for the card security fee via a signed signature or written statement. If I had not logged in to check i would have never noticed. This is a scam and I do know this company has lawsuits regarding this. I want the full amount refunded.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Hi, I need to dispute 4 transactions made with my debit card ending in XXXX for merchandize not received. 
Transactions : XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX Silver XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX The merchant should sent the smartphones to my address on profile not later than XX/XX/XXXX. Until today XX/XX/XXXX I have not received the items bought, also I tried to reach the merchant many times by phone but nobody answer to see what is going on.

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 2023-02-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While I was XXXX from XX/XX/2022 to XX/XX/2022, a XXXX  Visa card was opened up at Wells Fargo, I had no idea of what was open with my credentials. I have tried clearing this off and its just not working out, I have a police report filed and proof of XXXX as documents

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 2023-02-02 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: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below XXXX. XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to XXXX5 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below 1. XXXX Bank Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. Capital XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

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 2023-02-02 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:
XXXX IS ROPORTING, FOR XXXX  AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR XXXX AND EQUIFAX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting accurate.

Company response to consumer: Closed with explanation