vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. delete all invalid data that is hindering my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Today XX/XX/2023 I went to Citizens Bank ( XXXX XXXX XXXX XXXX XXXX MA XXXX ) to withdraw {$400.00} from my checking account. Upon completing the transaction, the ATM gave me my card back and immediately shut down. I waited in line to be told by the teller the money was taken from my account and there was nothing he could do. I then spoke with the banker XXXX XXXX XXXX ID # XXXX and he said " what would you like me to do about it ''. I replied " Ive never had this happen before? ". He then instructs me to sit while he begins to file a claim. After he finished he said " The ATM has been doing this for the past 4 days, but its not our problem. They company responsible for the machine will be in to fix it tomorrow. I don't even have access. '' Which I know is false information, because at my home branch in, I once left my card in the machine after finishing the transaction. Later that same day the banker was able to retrieve my card without any hesitation. XXXX was finding any excuse not to do his job. I am still waiting on the funds to be deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged overdraft fees on payments taken out of my account that I didnt approve. They kept letting the same payment repeatedly come out and charged me multiple times leaving my account over drawn by more money than it should have been. Even after contacting them they refused to help solve 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me. 
I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX  WAY XXXX XXXX DOES THINGS. 
Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME. 
I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX  customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit. 
I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX  WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE.

Thank you for taking the time to complete this survey.

Your opinion is very important to us, and we truly value your feedback. 
LIAR, LIAR, LIAR

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive received copies of my credit report and notice that XXXX XXXX XXXX ( XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

Toyota Financial Services XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a credit card about a month ago from Capital One. Part of the activation process required submitting an ID through their automated system. The automated system failed to process my ID. This resulted in a " restriction '' of ALL of my Capital One accounts such as checking, savings, and other credit cards. What i mean by " restriction '' is that i was no longer able to modify any of my information such as an address change. I had recently moved and needed to do so. This was especially important because i had a negative balance in my credit card of {$4300.00} and needed them to send a check. 

However this was not possible because it meant changing my address which i was unable to do. I called capital one many times, even escalated through multiple supervisors and went as far as manually submitting different types of documentations to them to validate who i was so that they could unlock my accounts. Their site says that a permanent residency card is a valid form of ID yet they refused to take it. 

As a result i had to tell them to mail out the refund check to my old address and hope that the USPS address forwarding works. Capital one should be ashamed of themselves for not accepting a permanent residency card as a valid form of identification. They asked me to get a driver license but i refuse to do so because i have no need for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have Reached out numerous of times in regards of this claim that have yet to get resolved. 

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I received mail from One Main Financial stating pre qualified loan vouchers. I indicated on my application that I had no vehicle for use for a title. I submit my application they stated I was approved for a secured loan and needed car title, its misleading because on my application I put I have no car. I call the location on XXXX in XXXX Fl and the representative stated to herself not sure why they asking for it, if you put that on your application. I feel I need to be compensated and credit reporting need to be removed due to misleading information n I told them no car at all on my application. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
RE : State, ex XXXX  Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mitsubishi Motors North America, Inc.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Is JP Morgan and Chase XXXX Bank. I don't have access to my main investment accounts. I need access to all my accounts. I don't have access to the JP Morgan and Chase XXXX XXXX I don't have even access to the XXXX XXXX XXXX with JPMorgan and Chase XXXX are the insurance agency forest that I don't have access to? None of my accounts with JP Morgan and chaseco and I need access to all of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Hallsead FinanciaXXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This account was opened fraudulently, when I found out I called American Express right away to report that someone used my personal info to guarantee a business AMEX account. American Express refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told Amex before to verify my info before opening any account. Now my credit went down from around 800 points to XXXX - an almost 300 points drop for an account that was fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am constantly hitting overdraft fees that place me negative - $ XXXX even though I have an overdraft protection. Ive been a valued customer for several years and am considering closing my account! This is unacceptable for a bank who has millions to over charge me when clearly I dont have money in my 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 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent a debt validation letter to XXXX on XXXX XXXX and also another on XXXX XXXX exercising my rights under FCRA 611 ( 15 USC 1681 ) and this CRA has not sent over any supporting documents from the debtor nor have they provided me with the method of contact they used to support their reporting. They only sent back that it was verified but the only person that can verify if it's 100 % accurate is the consumer. They are reporting inaccurate info that they have failed to properly investigate and I want it deleted immediately

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
XXXX, XXXX, XXXX & XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a mortgage loan from PHH MORTGAGE SERVICE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PHH MORTGAGE SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and PHH MORTGAGE SERVICE with no successful resolution. XXXX reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was hacked and getting sued as of this letter meanwhile my credit suffers XXXX point drop which caused a collection agency to report have a debt of {$110.00} total from XXXX joke I have perfect credit for last 5 Years. Now I have to suffer with a lower credit rating. I've had tmobile for the last XXXX always paid on time never a problem now because of a fraud who has stolen my social number and personal identity has destroyed my credit. XXXX XXXX XXXX are the collectors they're already trying to collect before I dispute they are trying to LINE there pockets from the innocent.

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