vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 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: VA

Complaint narrative:
Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof XXXX  XXXX that this a fraudulent 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 non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation
State: MA

Complaint narrative:
A loan was FRAUDENTLY put into my name that was NOT applied for. A personal student loan was never in the agreement. Company has NOT sent any statements, terms or anything to me. It has now EXTREMELY negatively affected my credit score. When spoken to they refuse to send information or give me online account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridge crest from XX/XX/2016 is still on my credit ... after they have the wrong information on my credit and it's affecting my score. I sent letters and disputed so many times and it comes back accurate results. Please erase Bridgecrest XXXX off my credit. Also it's been 7 years the accounts been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
On my XXXX Chase Credit Card statement, the total shown for all balances subject to interest going forward in time is greater than the statement closing balance. When I questioned Chase how this could be, they did not answer my question. See attached files for explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our XXXX credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. XXXX informs us that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. We contacted XXXX who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. They asked, and of course I didn't know, whether the payment was made from chase as a paper check or electronically and advised me next time to pay by phone. I then contacted XXXX to determine whether bill pay would be reliable for us going forward. With plenty of hold time in between, XXXX customer service transferred me to disputes who transferred me back to customer service who transferred me to the " quick-pay team ''. This team told me that the check was cashed by XXXX on XX/XX/XXXX. When I asked XXXX why a paper check was sent, XXXX said that they payee requires paper checks. 

I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late ( they said they saw it in their system as of XX/XX/XXXX ). I'm frustrated that XXXX is apparently not able to live up to the " 5 day '' claim of paper check payments ( let alone the XXXX days they say an electronic payment takes ) and that they are not interested in taking accountability or even investigating on their end. XXXX is not interested in working with XXXX to resolve this dispute. They did generate for me a proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I filed a complaint on XX/XX/XXXX about XXXX XXXX XXXX XXXX and the response from Equifax said that they deleted them all, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX credit collection account which was not accurate, they did not even mention it in their response, and as the same as XXXX credit, they added the original lender. 
In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been accurate to be removed, and their original lenders to be removed as well. 
Equifax for no reason took out of my credit score XXXX points in XX/XX/XXXX, while XXXX added XXXX, for my loan is well paid, and decreased balance. 

1. XXXX XXXX XXXX accounts 2. XXXX XXXX account 3. XXXX 4. XXXX 5. XXXX XXXX account closed in XXXX, and is being reported late monthly payments every month until today. This account was also removed due to inaurate information. 
6. XXXX popular late apyments are inacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I sent a letter to Remove Inaccurate Credit Information When I received a copy of my credit report and found the following items to be in error below 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : 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 2023-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: UT

Complaint narrative:
I was locked out of my account with Chime a little after XXXX just before XXXX I had deposited XXXX into my savings for XXXX rent for safe keeping however I have not been able to access my account. I have a number of times called support and talked to a real person each time told they will push it to support and to wait for email with response. No email responses, I have sent prof of address Copies of ID, conformation of deposit and spending, and conformed with customer serves every time I called, yet still can not access account. Do to this I'm now being kicked out of home for inability to pay my rent. For almost 3 months I have been emailing XXXX, XXXX, and calling serves center yet I get no respond and still no access to my funds. Therefor I'm asking the CFPB to please help before things get worse for me and I loss anything more. I have been a costumer with Chime for about 5 years and have never had a problem till now. Seems to be there is no help with Chime and talking to a real person that can only respond with a automated put you off and pass the buck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
From XXXX my wells Fargo checking account was frozen at least 3 times without notice, 2-4 suspicious overdraft fees. Purcase disputes, fees charged after making XXXX plus purchase throughout the month.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
Did not notify me any payment was due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went into Regions bank in XXXX XXXX and was told by a XXXX that I owed {$180.00} in returned item fees after my account was closed in 2018. I was never informed this and informed this that someone fraudulentlyopened an account in my name for a credit card and tried to charge it to my account, which is why I closed the regions accou t in the first place. I called and spoke with the charge off team and spoke to XXXX, she would not take those fees off of my account. I asked for a supervisor and spoke to XXXX, who offered me to settle for {$76.00}. I informed her that I never knew of this and why am I having to pay for fees I never made. She said they had a wrong address and this is why I never knew. These fees are excessive and I am not responsible for fraudulent fees to begin with. Please assist me.

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 2023-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
My wife passed away in XX/XX/2018 and I closed her acct. with XXXX and switched carriers but they kept billing me. My wife 's number was stolen and billing under known was happening. I contacted them constantly and they ignored me. My wife also had her unemployment benefits wrongfully stolen, and I reported that, and it was taken care of. Also, as of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX. I am on XXXX and have a limited budget. This debt should be dismissed on both counts. It is ridiculous. I have also sent them proof of my XXXX and issue and they have ignored me. Why am I being charged for this? It is bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Update XX/XX/XXXX : Me and my family were wrongfully foreclosed on and wrongfully evicted. Wells Fargo did not resolve my complaint or issue, which they stated they did back on XXXX. I still have documentation to prove my case. 
I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XXXX and XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. They've been threatening me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I should've been out of my house since XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purchased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX XXXX are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.

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 2023-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I have not received any bills and do not know what this collection is for. It just showed up on my credit as a collection. It is for {$360.00} from Asset Care LLC. Opened XXXX XXXX 2022. No phone number for them is provided, only an address. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
It is not fair that this can ruin my credit score and I dont know what it is for and have never received bills or calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was affected by XXXX. I had XXXX and could not pay my mortgage. I am 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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
Some one has got several students t loans in my name. I was XXXX during moat of them most are loans from the okla student loan Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
This company is pulling from my account on the XXXX and the payment is due the XXXX. I have had to move money multiple times from a credit card as we dont keep much in this account. I have complained twice. They said they are pulling payments in accordance with the loan terms. The loan terms state to pull on the XXXX, this is when I am paid this must be fixed. I am very upset.

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 2023-01-28 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I am the victim of an altered check deposited with XXXX XXXX XXXX and drawn on Valley Bank. I am seeking reimbursement in the amount of {$9200.00}. On XX/XX/2022 I wrote a check payable to XXXX XXXX XXXXXXXX in the amount of {$6200.00}. The check was drawn my checking account with Valley Bank. The duplicate check, indicating the payee was XXXX XXXX XXXXXXXX and the amount was {$6200.00}, is attached. The check was mailed to XXXX XXXX  XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted Valley and completed the attached Affidavit of Unauthorized Activity ( attached ). On XX/XX/2022 Valley, having learned that the altered check was deposited into a XXXX XXXX XXXX  account, requested reimbursement ( attached ). The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank XXXX XXXX is strictly liable for conversion of this stolen and forged check. As payee bank, Valley Bank is liable for an unauthorized charge to my checking account. I have requested reimbursement from XXXX XXXXXXXX XXXX and Valley Bank but they refuse to reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This car was open fraudulently I am notify the company for years. It has been removed from my XXXX XXXX and also my XXXX, but still being reported to experience I never authorize this, so its not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 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: TX

Complaint narrative:
I am in total disagreement with the investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
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 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 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 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2023-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In late XXXX, XXXX, I opened my monthly Home Depot account statement with a closing date of XX/XX/XXXX and discovered two charges on XX/XX/XXXX that I neither made nor authorized. The first charge was in the amount of {$1000.00}, the second was {$1200.00}, for a total of {$2300.00}. I immediately contacted Citibank, the card issuer, to report the charges and request a fraud investigation be conducted. I also directed them to close the account. I was advised in one of several subsequent conversations with Citibank 's Fraud Department representatives that the charges were made in " the XXXX ( TX ) area '' ( I live over XXXX miles from " the XXXX XXXX '' in a town north of XXXX, TX ) but they could/ would not tell me which store ( XXXX ) the purchases were made in, nor could/ would they tell me what was purchased. Incidentally, in-store and on-line Home Depot purchases are shown in the Home Depot app for at least 2 years - mine currently shows purchases made back to XXXX, XXXX - and these two purchases are NOT shown in my purchases history.

A couple weeks ago, I received a letter from Home Depot Credit Services dated XX/XX/XXXX advising me that their fraud investigation was complete, that they were rejecting my claim of fraud, and that I was responsible for the {$2300.00}. There was no justification given for the decision beyond " the facts and/or information reviewed ... does not substantiate the claim of unauthorized use ''. This is a terrible decision and I, an innocent consumer and long-time Home Depot customer who has spent many XXXX XXXXXXXX there over many years, am now being held responsible for purchases I neither made nor authorized. I have no reason - financial or otherwise - to purchase or authorize purchasing of items from Home Depot and then claim I didn't. Their decision is baseless, unfair, and frankly insulting. 

After receiving the XXXX letter, I've filed a police report with my local police department as well as this complaint with the Consumer Financial Protection Bureau in the hopes that Home Depot / Citibank will reopen and reconsider this grossly unfair decision.

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 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian refused to remove incorrect personal information from my credit report. I called them on XX/XX/2023 to remove the name XXXX XXXX which does not belong to me from my credit report, however the name is still in my credit report. 

In addition, I asked to remove the past address from my credit report because I'm afraid of identity theft but they refused.

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