vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Walked into JPCHASE on XX/XX/22. A rep name XXXX XXXX of ( XXXX XXXX XXXX, XXXX, IL XXXX ) asked me to come in his office to see what HE can do for me. I explained how I was directed by XXXX XXXX to complete a form XXXX  the lady advised me to go to Chase bank which was close to me to get the ( financial bank portion of the form filled out ) XXXX form from XXXX XXXX. He said, " this form must be new, I've never seen this one. '' He asked for my ID, which I complied, XXXX went on to say, what securities was I redeeming today? that's the only way I would be able to get a XXXX stamp from chase. I asked can I still get the authority stamp for the account verification, " he said, we CAN NOT help you '' I never got the stamp, left feeling very sad and underserved left and got something to eat and my chase account was denied. Went to get on the bus and my card didn't work. 

1. I move in honor, never stolen, never compromised my bank account. Why would they close it. I have never breached my contract with CHASE BANK. ( truth in lending ) 2. I never made not one transaction in that bank, why would they cut off my card.

3. The representative need to be more educated in customer skills as well as financial banking.

4. Chase not to allow, one person to have a quick and authority closing of an account, without even consulting the person. When the person has made NOT one banking transaction. So COULD I HAVE BEEN PROFILED 5. Immediately reopen my bank account Fee Free.

6. Compensation for this major error that has caused enormous injury and an avalanche of emergencies to occur.

I have attached a copy of the XXXX form, which I had.

16 CFR 433.1 ( g ) ( f ) 433.2, 433.3 If chase agree, we don't have to go any further, if chase disagree, here are my next steps : Send me a record of accounting for any and all bank accounts both public & private according to the stipulations of GAAP ( General accepted accounting principles ) Send me my original contract, application you know my security.

gratitude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.

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 2023-05-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2022 purchased 3 items from XXXX online charged in 2 increments. 
{$1100.00} and {$4800.00} XXXX XXXX returned all 3 items and received credits for only 2 items. 
{$1100.00} and {$3700.00} {$1100.00} still owed. 
I could not get my money back from XXXX so I opened a dispute with my Citibank CC. XXXX said they would not fight the Chargeback. XXXX sent me screenshot of the chargeback saying it was lost. I expected to see a permanent credit on my account, instead I received a dispute resolution letter stating that Citibank lost the dispute because they couldnt get a payment from XXXX! I was charged {$1100.00} for something I returned!

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 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
In XX/XX/XXXX, I reached out to XXXX to notify them concerns of about my meter being hacked and used as a shared meter. My utility bill was consistently 400 % higher than the average for the area. I reached out to XXXX to make them aware of the issue and asked them to look into the matter as shared meters in XXXX are illegal and I can not be held liable for the charges. XXXX never got back to me and I ended up moving out of the apartment and ending my service with XXXX. From XX/XX/XXXX to XX/XX/XXXX I was not in my unit AT ALL, yet received a utility bill for over {$700.00} during that time frame. I have evidence of not being in XXXX during that timeframe. 

In XX/XX/XXXX, LJ Ross Associates attempted to collect the debt from me via phone calls and letters. On XX/XX/XXXX I disputed my debt with LJ Ross Associates via a written letter sent with USPS secured mail. I never heard back from them on the matter. I provided documentation as to why I do not believe I owe the debt. They never called me about it again. 

On XX/XX/XXXX I received a major derogatory mark on my credit report from them for the same matter. I have not received 1 phone call or written letter from them since XXXX, over 2 years ago. They hit my credit report without contacting me at all. They have also not validated the debt. I provided email correspondence with XXXX, the debt holder, on why I do not think I am responsible for the charges. No one from XXXX or LJ Ross has reached out to me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Many times I was charged atm fees when I wasnt supposed to be. Ive had my account hacked numerous times 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 explanation
Consumer complaint received 2023-05-07 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: PA

Complaint narrative:
I was charged for overdraft fees multiple times although I had money in my savings account through the same branch.

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 2023-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
A new collection was opened on XX/XX/2023 at XXXX XXXX. Not really sure from when considering I dont remember ever going to XXXX XXXX for anything. I also have state health insurance so either way this would have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed an complaint with there fraud department due to an incident where the was an overdraft on my checking and savings accounts. The bank never notified me, I went into the branch the next XXXX  and spoke with someone over the phone and they took my information but blame me for the overdraft. This incident took place around XXXX or XXXX of 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 2023-05-07 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: OR

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-05-07 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: OR

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-05-07 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:
They never sent me the email with my bill for XX/XX/XXXX. Never sent a reminder or a " your late '' notice. Added a late charge and interest on the XX/XX/XXXX bill. I " chatted '' with them and they agreed to remove the late fee but not the interest. I refuse to pay interest because I did nothing wrong. Late fees and interest are adding up. They caused my credit score to go from XXXX to XXXX. I want them to stop charging me interest and late fees and I want my credit score put back to where it was. I've checked and there are/were no emails from them in the month of XXXX. The are committing fraud. I have contacted them in writing to no avail.

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a guardianship account with Bank of America- who I have banked with for many years. I opened this account to assist my incapacitated brother with his affairs. I was told by the office that I could not have a debit card or checks. This is utterly ridiculous as the reason why this account was created is to help him with his bills! I will have to pay rent and other bills for him - I am told to transfer the money but his money will be mixing with my own and this is not how I wanted to handle this. I have to give an annual statement to Social Security Administration every year- this will not help me show the agency show how the money is being used. 

I also have to speak on the terrible experience I had when attempting to open this account. I had to complete a two step process to open the account. It took more than two weeks to open this account as the first approval code expired and the process started all over again. This bank is too big to have such a poor processing system when it comes to these type of accounts. It is very much old school and very outdated! 

Also, this bank keeps placing holds on my check deposits that are very small deposits. My bank history should be taken into consideration and funds release immediately! It is not like I am putting in a deposit for XXXX or more. This bank put a check hold on a government check - unreal and uncalled for!

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 2023-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I feel over the years I have been charged fees for NSF incorrectly.

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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX XXXX {$2000.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-07 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022

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 2023-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was up charged a high interest initially when getting my car loan, and also charged high interest on fees.

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 2023-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a transfer from my wifes account into mine. And it was posted as fraud so wells fargo is charging me the money back whenever it was legally sent toy account by my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I had a cr card for the XXXX XXXX XXXX catalog. I was assessed a late fee. Customer Service EXCUSED the {$37.00} late fee. No balance. Comenity Bank was acquired by Bread Financial. They started to bill the late fee plus interest, even after I closed the account. I sent 3 messages about this. They call me day and night3 times this week while on vacationasleep in our hotel. Texting. Its harassment. I do not owe the late fee plus interest : {$46.00} I suffer migraines at age XXXX. 
I need my sleep. 
Please make them stop. 
The fee was excused!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07 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: MD

Complaint narrative:
In accordance with the fair credit reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
2 loans from affirm was added to my credit. Due to identity theft. About {$450.00} in debt. XXXX internet was also put in my name with debt of {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I received an email from XXXX XXXX XXXX on XX/XX/2022 regarding collecting a debt on behalf of Calvary SPV LLC. I asked them to refrain from contacting me because they did not provide any validation for the debt. I have not heard from them since. I obtained my credit report from XXXX XXXX and it shows that Calvary SPV LLC accessed and put a hard inquiry on my credit report without my knowledge. This was prior to even sending out a notice through XXXX XXXX XXXX. Also, this was done after I put a freeze on my XXXX XXXX as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. 

In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.

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