vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I lost my chase account after losing basically my personal life. i lost chase debit cards, my ID and a XXXX and XXXX that had many important information. I don't have accuses to my chase but my account was negative around XXXX i called reported everything and the next day my account went back to normal. another date my account is negative XXXX and something dollars and i call to see what happen and after hours upon hours of calling and trying to fix my issue they close my account with no reasoning. My name is XXXX XXXX i was a chase member since highschool and now i'm struggling more than ever without an bank in college. this happen around the beginning of XXXX and ended around XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from 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 2023-01-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from 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 2023-01-29 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 loan is reporting late when the account is closed and no balance is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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 loan is reporting late when the account is closed and no balance is owed.

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 2023-01-29 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX two fraudulently written and signed checks had been cashed for {$7500.00} each to an unknown party. One was cashed on XX/XX/XXXX and the other on XX/XX/XXXX. An attempt to cash a third check was made on XX/XX/XXXX, but was unsuccessful because the funds had been depleted from my account. I filed a police report on XX/XX/XXXX, and an affidavit as requested from Discover bank. Discover refuses to reimburse me for the {$15000.00} that was taken from my account via fraudulent checks. They also have sent no correspondence about the matter during the entire process for the exception of the blank affidavit. I had to call and ask to gather the information that they are refusing my claim and received this information from a representative on XX/XX/XXXX. I am proceeding to file a small claims court case against Discover bank unless the funds are rightfully returned. Police report and affidavit attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 Capital One closed my banking account and a Capital One backed Neiman Marcus credit card. At no point did Capital One contact me to express concerns about my banking. The closing of the accounts has caused material financial harm to me. While I acknowledge they do have the right to close the accounts, I state that Capital One is not operating in the public interest and deserves no protections or charter with any government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK

Complaint narrative:
Hi, In XXXX XXXX XXXXXXXX of XXXX, and XXXX, XXXX XXXX XXXXXXXX of XXXX, I took advantage of two months of forbearance provided by DIscover student loans and XXXX XXXX. These payments have been marked as late or missing payments and have significantly impacted my credit and credit history. I would like to have these late payments removed from my credit report. 

Secondly, I have 2 loans with discover student loans and 1 loan with XXXX XXXX with interest rates between 10 and 12 percent. Because of the hit on my credit from the forbearance mentioned above, I have not been able to refinance and consolidate these loans for a better interest payment. I am writing to see what options are available for consolidation and reduction of my monthly payments and interest rates. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting late when the account is closed and no balance is owed.

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 2023-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023. I received emails from Bank XXXX XXXX saying that online bank accounts were opened. I did not open and do not want to open an account with Bank XXXX XXXX. I checked the bank account email exchange and it appeared it could be real. I did not click on any of link just in case. However, I did an independent search and tried to call Bank XXXX XXXX XXXX department. The number I called is XXXX. Once I called they asked for my telephone number, a card number or an account number. I dont have an account with them so I dont have an account number or card number. I put in my mobile telephone number which did not result me in speaking with anyone. Instead, the system said I didnt have enough information and hung up. I called back and the same thing happened. On XX/XX/XXXX I received a email asking me to verify my email which I did not click on it. Please help!

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 2023-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Auto Loan Holders. I have had 3 cars that were paid by wells fargo bank and the bank is now being sued for lying to consumers : This provision applies to those with auto loans where payments were not applied correctly and might have resulted in higher interest or late fees, as well as wrongful repossessions. It also applies to those that paid for XXXX coverage ( covering the full loan after accidents or theft ) when Wells Fargo didnt refund money in some cases, as in when the loan was paid ahead of time. Auto loan holders are owed at least {$4000.00} as part of the settlement. 
Please file the formal complaint on my behalf. Thank you.

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 2023-01-29 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: TX

Complaint narrative:
XX/XX/2022, I sent all 3 credit bureaus certified XXXX dispute letters with court documentation showing the inaccuracy that is being reported. Gratefully, XXXX noticed the inaccuracy, then permanently deleted the account. In midXXXX 2022, I handwritten a letter to XXXX XXXX XXXX, confused and unaware of the reporting amount, not owning the debt but asking for documentation that supports their collection amount to verify and as of XX/XX/XXXX, I have not received a letter nor a word of communication. 

Thankfully, I made a copy of that letter and sent it in with my second round of certified dispute letters that Equifax received along with the court documentation on XX/XX/2022. Today, noticing the investigation was completed, I then called Equifax to find out the results and they stated it had somehow been verified. I asked XXXX, who is an Equifax employee, to see if they received my documentation that supports my reason of inaccuracy and they first stated no, after many times of going back and forth, XXXX then placed me on hold several times to then have found all documentation, making sure to tell me what the amount shows on my proof of documentation, however, still not being enough to support the inaccuracy that I am requesting and for me to contact the creditor ( collection agency ) to have it removed since they are the ones that do that, which I was not able to get any feedback from. Im very confident the results I was given with the investigation from Equifax, are violating the FCRA law and would be fully grateful for a deep dive investigation of why my Equifax and XXXX are showing inaccuracy. I look forward to making sure all information on my credit report is accurate and accordingly as possible, thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CO

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Over a year ago I got a loan for a hearing aids with XXXX XXXX with the addendum stating if I pay in a year will be no interest. I authorized XXXX to withdraw more money monthly to pay off before the year was over however I noticed that this company were withdrawn {$2.00} to {$4.00} daily which was not the agreement, I was getting worry about this XXXX XXXX  and XX/XX/XXXX I paid it off, I have a print out prooven my statement. I called XXXX XXXX several times to be sure everything was ok. The company closed my account after I paid off the debt. Last night I saw my account with this company open again and demanding more money to be pay in XX/XX/XXXX. 
Looking at XXXX 's reviews for this XXXXXXXX XXXX Hearing XXXX I saw just terrible reviews with the same issues as mine. How a company like this is open screwing everyone? Please help I am not rich I am a health employee helping people all the time and I can't give my working money away.

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 2023-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Loan was paid of with the Loan insurance do to me becoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company refuses to stop harassing calls and threatening to repossess my car. the loan was paid off according to the XXXX  insurance 2 years ago. I had to submit paperwork from my doctor to the insurance company which i did and was informed that everything was taken care of. I have contacted and let the company know that I have a POA and they refuse to speak with her and continue to call me daily unto 6 times a day and weekends this has affected my health do to the stress and my current XXXX XXXX ; XXXX XXXX XXXX and XXXX condition. I know that there is a fair debt collection act and a right to privacy act that has been violated also i am a senior. some of the violation are the 12 CFR 1006.18 ; 1006.14 1006.10 1006.26 1006.42 1006.6 just to name a few and the telephone act and the right to Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NV

Complaint narrative:
Negative inquiries and charge off should have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed {$500.00} missing from my checking account through a XXXX transaction, so I immediately contacted the bank and made the claim. Then the next day I had went to the chase closest to me to talk to a banker who also called the banks online services and claims department who informed me that the claim was immediately closed just 1 day after I made it. So I then called XXXX and chase again trying to appeal the claim so that I can finally get more information on the case but they wouldnt go any more further through to help me out in my time of need. I called again today ( XXXX XXXX  ) to talk to the claims department supervisor to get any information that I can keep record of in case I wish to build a case, but she denied every question that I asked even though I was provided the same information before but failed to keep record of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently heard about the Wells Fargo Lawsuit. I heard that I might be entitled to some reimbursement, but I have not received any checks or money from Wells Fargo. I'm not entirely sure if I qualify, but I wanted to check and see if I do. I've had my Wells Fargo account since 2015, so I believe there's a high probability that I am owed something.

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