vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing about the unauthorized transactions made on XX/XX/XXXX. Previously, I filed a fraud claim as I did not make those charges. However, the investigation was unsuccessful, and the amount was reinstated on my account. I talked with a fraud specialist extensively and they advised to write a letter detailing my experience and what actually happened as they believe that I was mistakenly believed to have made those charges. 
On the morning of XX/XX/XXXX, I received 14 charges on my account totaling {$2300.00}. I was sleeping during that time and by the time I woke up, I only got XXXX fraud notification message asking me if I made a transaction of {$1000.00}, which I declined and replied no to, while failing to alert me of the previous 14. I received a letter notifying me that I was not responsible for 4 of those charges on XXXX 

So that means I should not be responsible for the other 10 either since they were made together. I also do not believe that I have received the chargeback for those 4 charges. I hope this can be looked into again. 
Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 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: Chime Financial Inc
State: AL

Complaint narrative:
I had a dispute that was taken care of and credited to me on the XXXX of XXXXThen less than 8 hours someone hacked my account again and I disputed it on XXXX the XXXX for $ XXXXThey said they couldnt find anything wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
Dispute of Unauthorized Inquiries - Fraudulent Activities on Experian Credit Report I am disputing several unauthorized inquiries on my Experian credit report, which I believe to be the result of fraudulent activities. The following inquiries, conducted without my consent, are causing significant concern and potential damage to my creditworthiness XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXXXXXX Inquiry Date : XX/XX/2022 XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX Inquiry Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 I am confident that the inquiries in question were not authorized by me and their presence on my credit report is both inequitable and detrimental. Being wronged by fraudulent activity, I implore Experian to conduct a thorough investigation of these inquiries and expeditiously remove them from my credit report. 

I humbly request that Experian ensures the accuracy and validity of my credit history through prompt elimination of these sham inquiries. Their removal is essential in protecting my financial health, reputation, credibility, as well as barricading any adverse impacts on my fiscal status. 

It would be highly appreciated if you could acknowledge receipt upon completion of investigation ; furthermore keep me up-to-date with regards to any headway or supplementary information required during dispute resolution process. 

Thank you for your unwavering collaboration and support while striving to swiftly address this malicious activity. 

Sincerely, 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 2023-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: IL

Complaint narrative:
Amount {$1300.00} I'm a XXXX Veteran that has Never been late on a payment, then I experienced a Financial Hardship because my XXXX XXXX XXXX, which I must have for my XXXX, needed repair. This has caused me to fall behind each month while they continue to Call and send Harrassing Letters. I explained the issue and asked if I could Skip/Delay 1 month payment. 

They stated I must submit Paperwork like when I first applied with them, bank statements, credit check, tax returns, W2 forms, have my home Re-Appraised, etc. which is a XXXX XXXX for XXXX XXXX XXXX and even require a Credit check on whoever lives in the house and are Not even on the mortgage. Because of a hardship after making repairs to my XXXX XXXX XXXX and there isnt ANY damage to the home they require my home to be Re-Appraised because of this Vehicle financial hardship?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( AVANT LLC/WEB BANK & XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I opened a Wells Fargo ( WF ) Small Business Platinum Visa Card back in XXXX. As per it's terms and conditions as shared in the attached I neither received promotional one time credit nor promotional 0 % interest rate for 9 months. 

Upon calling WF team refuse to admit it. I called them day before yesterday ( XX/XX/2023 ) around XXXX pm and they hung up on me then yestedday ( XX/XX/2023 ) and around same time and samething happened after listenign to me and by knowing that the have made a blunder about it their XXXX XXXX hung up on me even after this time I specifically told her to do not do it. I've tried and now tired of calling them hence reching out to CFPB.

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 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I tried to change address with Upgrade Inc. and their customer support is keeping asking me for more documents. I already sent a utility bill ( internet ) just like they asked in one email, but they are again asking for me for more documents. 

My current address in their system is outdated for several months now and they do not have a section in their website to update this info, even though I got a business loan and line of credit through online. 

Their online help says I should be able to edit my address, but it is not true. Link to this info is here : https : //upgrade.zendesk.com/hc/en-us/articles/115000335508-How-do-I-change-my-contact-information- If they are going to send any documents to my old address, I am afraid that it XXXX fall into wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/XXXXXXXX  i attempted to disupte my address information online with experian. I waas unable to, but directed to call a phone number instead. I spke with a XXXX rep with XXXX accent. I told him that I wanted to delete all my old addresses and add my new address. He told me that I could not delete my old address as they are tied to accounts and told me to contact those accounts and have them update my address. I protested and told him that I dont think that was right and asked to speak to supervisor or someone in fraud department. The second XXXX  who sounded XXXX  XXXX assisted me. I told him that i lost my home in foreclosure back in XXXX and I need that address deleted. It was the XXXX XXXX  XXXX  location. I also asked for XXXX XXXX XXXXXXXX to be deleted and for my name to be shown as XXXXXXXX XXXX XXXXXXXX. He claimed he disputed everything. I gor an email about the update. However, when I went back to check, only 1 of the 3 addresses were disputed and no of the names. I recorded this call as well. please email me at XXXX for copy of recording

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 2023-05-10 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Ive disputed my XXXX XXXX XXXX account multiple times and the company is reporting back false information to the credit bureaus so therefore Im writing this so that my account gets adjusted correctly, on my account there are a bunch of things wrong noted on the account first and foremost the account was settled and paid on as of XX/XX/XXXXXXXX  so therefore the account should be noted that is now paid and closed and the balance should be XXXX, also the account was first delinquent as of XXXX of XXXX and was charged off on XXXX of XXXX so therefore the account should be noted to fall off 6 years after that date. My account currently doesnt show that it was paid and settled and it also shows that my previous payments that werent made were from years prior were also changed and clearly that isnt accurate so that should be adjusted as well. Also considering this account has been disputed and sent back with more and more false information it has hit my credit negatively repeatedly. So therefore I feel like XXXX should make the proper statements on my report as well as the credit bureaus should also note and adjust these things as well because clearly it hasnt been happening that way recently. I will attach documents supporting everything stated as my proof of what Im saying and I hope we can all get on the same page with my credit as it is very important that we do so. Ive tried to talk with Experian about this case multiple times and I got hung up on and wasnt helped in any way shape or form. They also dont have a way to upload proof to disputes so they gave me a link to upload documents and it wouldnt take mine even though they were within the guide lines of forms excepted and size. So therefore Im attaching my documents here for Experian as well. I also think Experian should be able to fix the points that have been taken from my credit from false information being submitted.

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 2023-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo was having agents come to my XXXX  school and was having students  open accounts with them. I have not heard anything from my account since and alot of money was put into that account.

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 2023-05-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank  about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX  points,. Consequently, I am not able to secure financing for a replacement vehicle. 

Therefore, I am asking that this inaccurate report be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
I ordered a Tesla XXXX XXXX on XX/XX/23, received email notification to log in and create a Tesla Account. One of the questions is asking if I will be financing through Tesla Finance. I selected not Financing through Tesla, and ask for my checking account information. 

On XX/XX/23, the same day in the evening, I received a text on my phone to schedule for a delivery date. I scheduled the delivery date on Friday XX/XX/23. And asked to bring a cashier check ( no personal check ) on the day off the delivery. 

On XX/XX/23, My Bank sent $ XXXX to Tesla and Tesla also withdrew {$59000.00} from my bank account. Tesla over charged by $ XXXX, I am asking Tesla to return the $ XXXX back to my bank account. Tesla is saying it will take about XXXX to XXXX weeks for the check to be mail to me. 

On XX/XX/23, I picked up the car from Tesla, and was told they have expedited the return of the $ XXXX, it should received it within 5 Business days. However, they just told me it will take about 6 to 8 weeks for the check to be mail to me. This is unacceptable. 
I am seeking for compensation in loss interest and penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
I have a foreclosure sale date on XX/XX/XXXX because Carrington has never reviewed my paperwork and never checked to see that I have the ability to pay my loan. I got sick from Covid and was unable to work and Carrington gave me a three month forbearance to help my family out. At the end of the forbearance I tried to make my mortgage payment and they told me not to, because they were going to review me for loan modification. I have spent close to 2 years going back and forth with them. They have never reviewed my documents that I have sent over and over and they would not accept my mortgage payments and now I owe them $ XXXX and if I don't pay all of it in two weeks they are going to foreclose on my house I live in with myself and three children. This is wrong. I should not lose my home because I became very ill during the pandemic, because I am back on my feet and can afford my payment, I just need help with the missed payments. 

I bought my home in XX/XX/2020. I work as an assistant manager at XXXX and when Covid hit in XX/XX/2020 I became very sick. I had bad chest pains and cough for several weeks but I kept working because I needed to pay the mortgage and feed my family. Eventually it got so bad that I could not breathe and I got tested and found out I had Covid. I wanted to go back to work but kept testing positive and since it was a restaurant job I had to quarantine. I missed a lot of work and was having issues with my XXXX and XXXX and XXXX XXXX XXXX. The doctors found that I have some scarring in my XXXX and I am still suffering side effects today. 

When I called into Carrington to explain the situation they offered me the XXXX month forbearance which was very helpful. At the end of the XXXX months I was back at work full time and my son was also working at XXXX as a shift manager so our family had the ability to resume making our payment. But the people at Carrington told me NOT to make the payment because they were going to give us a modification. For the past XXXX years I have been sending in my documents over and over and they say sorry, you are missing documents and we can't review. I kept telling them that I wanted to start making payments again because I did not want to fall further behind, but their people said not to pay because they did not know how they were going to handle the modification with the late payments. I was told more than once that I had a complete package and that I was going into review, then a few days later they would say I was missing something. I am very confused and do not understand why they make me go in circles. 

Now I am facing foreclosure sale on XX/XX/XXXX because Carrington never actually reviewed my finances and ability to pay. We have the ability to pay, we had it when the forbearance ended and we have it now, but Carrington has never given us a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 explanation
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
Consider this complaint as my follow-up against the disputed items in my last complaint dated XX/XX/XXXX. The items are fraudulent and need to be deleted from my file Please delete the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a Capital One ( Quicksilver ) Credit Card, with a {$200.00} Early Spend bonus ( ESB ) which was opened on XXXX. After submitting a charge so I could receive the ESB and after reviewing my account, it appeared that the ESB was not received. I not only placed a phone call to Capital One, but also filed with the XXXX  Attorney General Office. I was then informed by Capital One that I ACCEPTED THEIR COUNTEROFFER for a different credit card ( WITHOUT ESB ). I then requested proof. I was informed of the following. Because the account was opened online, there is NO signed copy of the application, but I was offered a counteroffer on the phone, which I requested a copy of the phone transcription, I was informed it is proprietary information, so they are unable to satisfy my request. Their Welcome Kit Letter, does not mention at all that I was receiving information on a different credit card, that I supposedly accepted ( a counteroffer ) since I was not approved for the EBS Credit Card that I initially applied for. And why would I feel that I need to read of the information sent with the credit card, if I thought I received the Credit Card that I applied for. THIS WAS A BAIT AND SWITCH! Capital One has NO documentation in written form or verbally that I accepted a counteroffer.

Company response to consumer: Closed with explanation