vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was a customer with Wells Fargo from XXXX until XXXX over this period we were denied refinance request over and over. These continual refinance request denials during a period of hardship were difficult. The request denials for help because of loss of income during the market explosion forced us ultimately into bankruptcy, to protect us from foreclosure actions that was initiated by Wells Fargo in XXXX. I would like to formally request information how settlement qualifications are being considered. And if I fit the criteria to apply.

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 2023-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my medical bills, pay for medication or for food on my own because of Chime will not give me access to my retirement money. On XX/XX/2022, I opened an account with Chime Financial Services. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my speech and short-term memory lapse after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed 11+ conference calls to Chime customer service to have this issue resolved. Please, Please help me get my money back. This stress has been delaying the physical therapy care that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: RI

Complaint narrative:
Chase was supposed to take my mother off as a registered user of my credit card, and not allow her back on. She then got back on with Chases help and racked up XXXX dollars in charges and now chase is utting me on the hook for purchases I never made, that were made fraudulently and without my permission. I saw no benefit of any of these transactions and now they want me to pay XXXX  of XXXX  of dollars including XXXX in debt my mother XXXX to my card without permission from me along with about XXXX in contractor payments. 

Chase is trying to stick me with a bill they caused through gross negligence and I have been having XXXX XXXX  ever since this started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Contact numbers provided on the mortgage statement and website are non functional. Unable to contact company in regards to closing a potential offer to buy the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB
State: NC

Complaint narrative:
I purchased an item from Klarna ( handbag from XXXX ) on XXXX XXXX, 2022 which gave me the option to make four easy installments. Klarna stated that with the initial sign up you receive an extra 25 % off your first order. I called Klarna ( XXXX ) on XXXX XXXX, 2022 and spoke with XXXX who stated that Klarna will honor the 25 % discount off of my 1st order once the item has been shipped. Called Klarna on XXXX XXXX to inform Klarna that my item ( from my 1st order ) had been shipped. I spoke with XXXX who told me that everything on the Klarna app stated that my order is pending. Per XXXX, she told me to check back in about 24 hours and after I see a payment plan on my Klarna app, the payments should be adjusted to {$18.00} bi-weekly and the total price of the handbag should be {$72.00}. XXXX stated that if payments haven't been adjusted, to give them a call back. Called Klarna on XXXX XXXX and spoke with XXXX and XXXX who told me that they couldn't give me the discount because XXXX had the merchandise on sale. I received an email from XXXX stating that I needed to contact XXXX. Called XXXX ( XXXX ) on today and spoke with XXXX who stated that Klarna should honor that discount because XXXX didn't have anything to do with that discount. I don't have a problem paying for the handbag, but I want Klarna to honor the discount that they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MO

Complaint narrative:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, TransUnion and 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 2023-01-03 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: MO

Complaint narrative:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, XXXX and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MO

Complaint narrative:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( Experian, XXXX and 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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
the capital one on mt credit is fraudulent it was not me I need this looked at as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: WA

Complaint narrative:
I am the victim of identity theft, someone was stealing our mail from approximately XX/XX/XXXX to XX/XX/XXXX. Several inquiries and accounts were opened using my name and information. I was made aware of this because I received a call from a bank asking about a loan I had applied for, to which I replied I had never heard of the bank or ever applied for a loan, they recommended I report the fraud and check my credit report. I noticed at that time that the log in information to my XXXX XXXX account had been changed, not by me, and the thieves had changed my log in information so I was not aware of new accounts being opened in my name. 

The following accounts were not opened by me and are fraudulent, I have contacted each of them and let them know about the fraud : XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXXXXXX inquired on XX/XX/XXXX The following hard inquiries were not made by me : XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX  inquired on 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 2023-01-03 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: MO

Complaint narrative:
Student Loans - XXXX Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( Experian, XXXX and 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 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This happened in XXXX My back pack was stolen from my car I didnt see the person face I got off my car to get some coffee when I returned to the parking lot my window was broken Unfortunately last year my XXXX XXXX XXXX XXXX XXXX  with my XXXX was stolen too Please Im begging you to clear this off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.

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 2023-01-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, Experian, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.

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 2023-01-03 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: FL

Complaint narrative:
I am intrested in disputing my credit file with Experian all the incorrect information on my file.

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 2023-01-03 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
Gm financial XXXX XXXX unauthorized inquiry XXXX XXXX XXXX unauthorized inquiry XXXXXXXX XXXX  XXXX XXXX unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # NA has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15U.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 and 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 to any 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 2023-01-03 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 ACCT # NA has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15U.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 and 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 to any 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 explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2022 My bank rejected my payment of {$2300.00} because they didn't used my bank account number according to my bank. 
Interest charged on that payment {$44.00} + returned check charge or late fee {$25.00} Gave Comenity Credit card my bank numbers and thought it was fixed. 

XX/XX/2022 Sent payment {$3600.00} to cover the XXXX + more added to the my account after the XX/XX/2022 It bounced like the first time but I was watching and called Comenity Credit card and got it fixed. They still didn't fix my bank account numbers even though this would be the second time I gave them to Comenity Credit card. 

XX/XX/2022 submitted extra payment of {$98.00} and I had to call and fix it with XXXX Credit card. 

XX/XX/2022 submitted extra payment of {$120.00} to clear my credit card as I was giving up and going to let the card and Comenity Credit card see if they could fix things. The payment bounced and I called and they took the payment over the phone. 

I have always paid off my credit cards over the years with each bill. I never carried charges from XXXX month to the next. All of the extra payments were amounts for current purchases to clear the card. I no longer could keep getting put through the wringer and being treated like a dead beat. My personal Bank could not believe what was happening to me. I then canceled the card because I was advised that it looked like this company would never fix their error. The proof is they took over my XXXX XXXX XXXX XXXX card that I had for about 15 years with auto deduction from by bank each month and never a bounced payment. 

They also didn't let me take the {$66.00} points money from the XXXX card when they took over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022 I called Chase Bank to report XXXX wire transactions that I did not authorize. XXXX was for {$5000.00} happened on XXXX of XXXX that I did not know about and the other was {$4600.00} on the XXXX of XXXX that had a pending status. First of all, I wanted to stop the {$4600.00} right away because it was still pending and i assumed my account got hacked cause i didn't authorized like i mentioned. The agent that was on the phone with me at that time told me that there was no option for him to stop it right away ; that it need to be complete for him to reverse the money. I was questioning him on why it can't be done since it's pending but all I got was a vague answer that it can't be done right now. He then transferred me to the claim departments to make those XXXX claims which I did. 

After i filed my claims with the new agent, I asked him how come no XXXX flag these transactions for me and verify it with me. If i remember it right, he told me they can't flag a wire transfer. He then assure me to not worry, Chase will investigate and refund the money for me if they have proof that it was fraudulent. I questioned him why do they need to investigate for proofs of fraudulent when I'm calling them right away when I saw that {$4600.00} transaction popped up on my online banking and it was still pending. By me calling them right away telling them that I did not authorized that pending transaction is the solid proof that it was fraudulent. He agreed with me but told me just let the claim department investigate and they will contact me about it. He advised me to go to a branch and close my old account and get a new one since it had been compromised. After i opened a new account and closed out the old XXXX, I received an email from Chase telling me that there is a transaction for {$120.00} on my old account and if I authorized it or not. When I saw that email, I was filled with anger ; they flagged a {$120.00} transaction but not for {$4600.00} and {$5000.00}. 

These XXXX transactions were wired to my XXXX  account and then disappeared to a wallet. I called XXXX  about the incident and they replied that the wallet was a non- custodial wallet and they can't recover the money and I quote " This transaction gave the malicious third party access to the funds held inside your XXXX XXXX ... ..where they do not even need a non-custodial wallets XXXX word seed phrase to infiltrate it. ". 

Chase also denied my claims with " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED 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

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