vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I contacted my bank and requested that a payment be stopped on an account. I was charged {$31.00} to stop payment. Reference number is XXXX. 

A few days later my account was short {$97.00}. The payment was allowed to go through, disregarding my request. The car insurance company was abusing my identity and overcharging me, because I'm a senior citizen. 

When I opened the insurance account, I realized that my former employer was linked to my account.XX/XX/XXXX My former employer was abusing my identification. 

The email address being used was XXXX. I've been a victim of identity theft and I reported this matter to XXXX XXXX XXXX. 

Wells Fargo claim number for investigation is 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 monetary relief
Consumer complaint received 2020-09-10 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have credit inquires on my account that are inaccurate and did not happen with my knowledge.

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 2020-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I noticed several charges on my card on XX/XX/XXXX and reported them immediately to Bank of America. This claim was denied on XX/XX/XXXX on grounds that I had logged into the mobile app in the time between the charges being placed and my reporting of it, in violation of FTC regulations that clearly state : If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. 

I noticed these charges and reported them within the required 60 days. My card was never out of my possession, and I had moved to Maryland at the time, far from the location of the fraudulent charges. 

The fraudulent charges are detailed below : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX NY XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX* XXXX XXXX XX/XX/XXXX XXXX  XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX NY 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 monetary relief
Consumer complaint received 2020-09-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX  and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.

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 2020-09-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Theres over 20 credit inquiries listed on my ChexSystems consumer report. All of the credit inquiries are fraudulent and unauthorized. The credit inquiries are not my credit inquiries. I have not applied for any checking account. I shouldnt have any credit inquiries on my Chex Systems Consumer Report.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Open Dealer Exchange, LLC
State: SC

Complaint narrative:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

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 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX, after numerous attempts and phone calls with the collection agency, PARAMOUNT RECOVERY, to explain that I was cover under health insurance, XXXX, and I could provide them with the authorization number, it was refused. I then called the original credit collector, XXXX XXXX XXXX XXXX at : XXXX, and spoke with XXXX regarding this collection. I informed her that XXXX was giving the providers until XX/XX/XXXX, to refile the claim. I provided XXXX with the dates of service and the authorizations numbers, in order to, be paid. I also provided her with the number to XXXX, as, they will only speak with the providers. XXXX stated that the company would rather, just remove the amount, from my account. She then reached out to Paramount Recovery Collection Company and tried to get them to remove the collection and they refused, stating that, I was the responsible party, in which, I'm not, XXXX is.I also called Paramount Recovery and gave my permission for them to speak with the original creditor, as well as, the Department of Veterans Affairs concerning my account that is in collections. I would like to have this collection deleted and removed from 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 2020-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Charging exorbitant credit card fees $ XXXX/year ( 20 % of the credit line ) but not giving sufficient credit limit to be able to use the credit card without being throttled. Given that I have maintained all accounts in good standing with no missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: College Ave Student Loan Servicing, LLC
State: SC

Complaint narrative:
I have credit inquires on my account that are inaccurate and did not happen with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have credit inquires on my account that are inaccurate and did not happen with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MN

Complaint narrative:
I have numerous credit inquiries listed on my Trans Union, XXXX  and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.

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 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: FL

Complaint narrative:
I was once a cryptocurrency trade on a mobile application by the name of Etoro? this company things or they can just do whatever they would please do to someone? By the means of stealing their money from them! I have been talking to this=s company Etoro for about 5 months now that my money has been missing from my or there account I should say now. That this company has kicked me to the curb with giving me back around half of my money in which was in the amount of {$13000.00} + another {$40.00} that I had initiated back into my bank account The {$13000.00} that was put back into my bank account was done without my knowledge the same as when this hypothetically say this other {$700.00} that is and has been missing from this eToro account that I once had? Throughout this whole situation of my money been missing from this account? Etoro would have these 3 individuals call me and all 3 of these individuals would  tell me that they know nothing about cryptocurrencies due to them just starting at this company? I have email after email of all the XXXX that this company has filled me with on the where an about my money is. They would even sit there and tell me that I have made money on their platform! In which is a bunch of XXXX I should have at least broke even. Then they tell me that I had around {$300.00} in trading fees in which is a bunch of XXXX due to that I did not make that many trades in this account. On top of this and you are going to think that I am crazy but yes my bank account deposits have been manipulated as well to make it look like I did not deposit as much money as I did place into this account! I HAVE PROOF! I have proof and hard proof that this company eToro has stolen money from my account. That I once used to have?? I'm most certain that you being the cfpb will not do anything to help me out this will end up the same as when someone had stolen {$12000.00} from my XXXX account to where they did the same thing to me as this company has dined to me in which is and was to shut me down by them closing my accounts??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Self Financial Inc.
State: OH

Complaint narrative:
I opened a credit card account with Self lender! It was opened XX/XX/XXXX! I got my card XX/XX/XXXX! According to their billing cycle! All payment must be made by the XXXX or end of the month! That means in XXXX they will report what happen in XXXX! XX/XX/XXXX I had my card almost paid in full! XX/XX/XXXX they reported the card my the way it was supposed to XXXX dollars owed with a limit of XXXX! On XX/XX/XXXX they reported again and back tracked the information! Saying the card was XXXX owed with a limit of XXXX! Making my account looked maxed out! I disputed the fact and they still verify a maxed out card! I have not used the card and paid the XXXX dollars even before XX/XX/XXXX! Everything should be a XXXX balance! I lost 34 points because of it! XX/XX/XXXX! They reported the same thing again! They are sending the 3 bureaus different information and refuse to do the right thing! Its all in Black and white and I cant get them to respond! I disputed it again and they verify another lie on my credit! XXXX  says on thing then XXXX  says another and XXXX  is wrong too! Ive made a complaint to the XXXX   and my mortgage lender see the mistake as will!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have numerous credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MN

Complaint narrative:
I have numerous credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.

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 2020-09-10 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: MN

Complaint narrative:
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I never got my edd card and some one use it got the money Here name is 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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had some extra money and wanted to pay the balance off on 1 of my credit cards. I made a {$560.00} payment and scheduled it for the following week. I then decided I wanted to split the payment and put half on my other card so I tried to cancel the payment online and it wouldn't let me. I called on XX/XX/XXXX ( item # 1 ) and spoke to a Capital One rep and told her the details and she told me she has canceled the payment and that I can go ahead and make payments to both of my accounts. On XX/XX/XXXX my bank account had a return from insufficient funds and a fee. I look on Capital One account and the payment that the customer rep told me she cancelled actually wasn't cancelled tried to go through so Capital One account gets a returned Online ACH Payment ( item # 2 ). Because of this, both of my Capital One accounts were closed. I understand that they can close any account at any time for no reason but the decision was based on a Capital One error. So I start calling the regular customer service number and I would get a manager and they kept telling me they would look into it and get back to me. For months this was the same story, sometimes I would deal with the fraud department. Always ended up with no call back to me. On XX/XX/XXXX I tried the Capital One XXXX account and the first attempt was the same outcome, They always say they will pull the call and listen to it and get back to me, but never happens. On XX/XX/XXXX I try again with XXXX ( item # 3 ) and XXXX or XXXX help me and said she looked into the case and listened to the call and agreed that the Capital One rep told me she canceled the payment. She then told me she should be able to get my accounts reopened. But she never got back to me me after that so I again sent messages on XXXX and that eventually led to another dead end. I then sent a fax ( item # 4 ) and got someone from the executive office to look into the case XXXX XXXX XXXX. She listened to the call and did some investigating and finally got back to me and told me they can't reopen the accounts because they have been closed for too long but they will start two new accounts and transfer my balances over. Then a few days go by and I get a call and XXXX tells me that the underwriters won't approve my 2 accounts because my credit score dropped way down and that I have no ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a current doctoral student studying in XXXX. I submitted the corresponding form that allows me to defer student loan payments, as my scholarship qualifies as a educational fellowship sponsored by the U.S. Department of State. I was informed by email that correspondence regarding the approval of this deferment request is available in my Navient inbox. However, the correspondence has not been updated in my inbox, even after XXXX weeks after being informed by email. I then called Navient and spoke with a student loan representative, who confirmed that the deferment request was approved and it will take time for my account to be updated with the new payment terms ( which, the representative confirmed should be {$0.00} from XXXX, 2020 ). I have since waited two weeks for my account to be updated and have not seen any changes. I have been billed XXXX 's bill as well, in addition to a late fee from XXXX because I did not pay, waiting for the bill to be adjusted. I do not know why Navient chooses to skip correspondence regarding these types of requests being approved, it almost seems they have an algorithm to pretend that these things be avoided so that students who are still undergoing education are continued to be billed.

Company response to consumer: Closed with explanation