vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
this is more of a general complaint about Credit Card companies in general and specifically in regards to Wells Fargo. I made a one time payment for the amount that was being show as my " Outstanding balance. '' I do not remember the exact amount, however after making the payment I went about my life assuming that the debt was paid in full. I found however that there was apparently {$10.00} left over as the result of a lingering interest charge that the company assessed at the end of the billing cycle. This is a deceptive practice, when I am presented with an option of " Outstanding Balance, '' I am led to believe that this is the amount to discharge my debt and result in a {$0.00} balance. In the event that the companies can not live without that fractional interest payment, they should have to offer a " pay off '' amount similar to car and mortgage payments. This is more transparent to the consumer and less confusing. In my situation, I was about 10 days from having a missed payment on my credit report, luckily I did not treat the communication from my financial institution as spam. I wonder how many people are adversely affected by this practice?

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 2023-02-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously contacted Experian about my credit inquiries. Now, two that were business inquiries are reporting on my personal credit report, which is not supposed to happen. The inquiries are from XXXX XXXX ( from XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). At this time, the inquiries have not been removed as requested.

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 2023-02-13 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: NC

Complaint narrative:
I have a business inquiry from XXXX XXXX ( XX/XX/2023 ) listed on my personal credit. That is not supposed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: TX

Complaint narrative:
Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report/collections, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with original signatures, no photo copies. Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: Consumer Financial Services
State: NY

Complaint narrative:
Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MN

Complaint narrative:
I decided to work with XXXX to get a reverse mortgage. At first my broker was friendly and helpful, however as time went on he started to want more information. Like proof I had money in my back account. He first wanted to know if I can effort the closing cost around {$4000.00} I said I will get it. He also push me to sign documents on an artificial closed date, not on my terms. When he sent me closings paperwork the closing cost came to almost double the cost. When I sent email official declining the off and not to contact me. He contact me and he ran numbers and because I live in Minnesota my closing cost would only be XXXX. He new within 10 minutes of the first call I live in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Grain Technology, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I made the minimum payment of XXXX. They are reporting an untrue late payment on all my credit reports. They had me locked out of my account from XX/XX/XXXX until XX/XX/XXXX. I made each minimum payment on time. Please update my credit reports I am in the middle of closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
SN Servicing failed to provide accurate information to me regarding loss mitigation options and foreclosure, as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I submitted a loss mitigation package and never received any correspondence to date such as an ( Acknowledgement Letter, Missing Document Letter, Denial Letter or Ineligible Letter ) from SN Servicing as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I decided to contact SN Servicing via phone call on XX/XX/XXXX, and their representatives confirmed receipt of receiving my loss mitigation package of financial information. During the phone call the SN servicing representatives stated they never sent me any correspondence pertaining to the status of my submitted loss mitigation package. 

In addition, and according to the attached SN Servicing 's recent monthly mortgage statement my loan as of XX/XX/XXXX, is 3685 days delinquent and the last payment made was during the month and year of XX/XX/XXXX, which confirms that the six-year statute of limitations has expired long ago. 

The New York Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing is required to inform the borrower that the statute of limitations has expired. 

SN Servicing also has never informed me in any aspect or provided me with a disclosure that the six-year statute of limitations has expired as required by New York Department of Financial Services debt collection rule 23 NYCRR 1 , Section 1.3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NJ

Complaint narrative:
This is now my second complaint against Experian. In their response they claim they verified a bankruptcy with the " furnisher '' when I spoke with the " furnisher '' and XXXX XXXX confirmed they haven't and DO NOT give information to credit reporting agencies so who is this " furnisher '' they are referring too. I demand to know in detail HOW they verified this, who they spoke with, when, names and titles of their individuals and of the Experian representatives. please know that included in my suit will be all of the violations of the FCRA, defamation of character, and I will be looking for no less than {$30000.00} in compensation. Experian has violated 15 USC 1681b by furnishing these things WITHOUT my written consent I don't care who they claim the furnisher is. They have violated 15 USC 1681s-2, 15 USC 1681e ( b ) by not making sure this information was accurate before putting it on my report. And if it was verified then Experian please explain 15 USC 1681a ( 3 ) e which explicitly says the consumer report can NOT contain factual information from the creditor or a credit reporting agency. Information can only be verified through neighbors, friends, or others who may have knowledge concerning the items of information? Clearly Experian believes that the average XXXX will back down from their bullying tactics but not this guy. I am a well educated professional willing to do whatever to protect my name against Experian 's fraudulent practices not to mention a data breach they experienced where the thieves were able to get into anyone 's FULL credit report for 47 DAYS! Your practices are not secure or ethical. Experian did not even speak on it for over a month and there is still no resolution. So who is to say that my information was not included in that breach and Experian 's negligence is still causing me damage. The company is a complete joke they obviously paid for their XXXX  XXXX because they have XXXX out of XXXX stars.

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 2023-02-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Entities Involved - XXXX XXXX, Zelle, XXXX XXXX, and XXXX  XXXX XXXX I use XXXX XXXX  for my banking needs. I hold a checking and a savings account with them. They have an affiliated service -Zelle XXXX for money transfers that uses phone numbers or emails as identifiers to send money. On XX/XX/XXXX, I made a payment of {$1700.00} to an individual known to me by using her email which is linked to her Zelle Account. I was told by the individual that she has not received my payment. On receiving this news, I called XXXX XXXX  's customer care number and visited their branch in XXXX XXXX to seek help. They registered a claim on XX/XX/XXXX. They responded on XX/XX/XXXX, that the money was received by the individual - the intended recipient of the money on the account linked with her email address on Zelle. I again went back to the individual stating that the bank has completed an investigation and that they are claiming that the money is with you. The individual responded by providing me an email copy from her bank- XXXX XXXX - that no such money has been received in her account linked with Zelle with them. I went back to XXXX to reopen the claim on the basis of this document. They came back saying that the money was received by the intended recipient in the bank account linked with the email and her Zelle account. On my repeated queries with the bank to figure out the whereabouts of my money, one of the customer care executives/investigation team members suggested that I request the intended recipient for her bank statement for the month. I complied and requested the bank statement from the intended recipient. The individual was not comfortable with sharing the banking statements but assured me that she will check with her bankers again. She wrote back by email saying that she went to both her bankers ( XXXX XXXX XXXX  and XXXX  XXXX XXXX ) where she has different Zelle accounts. She categorically wrote in the email that both banks denied receiving any such amount. On JXXXX XXXX XXXX XXXXXXXX, I requested XXXX XXXX  and Zelle separately to provide me with the details of the bank account where they believe the money is deposited. They have not provided this information citing privacy concerns and are not paying heed to the fact that the intended recipient checked with both banks about the money and came with the same reply that the money was not received in her accounts. In the end, I don't know where my money is sitting and the information about this is sitting with XXXX and Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer financial service duplicated my car loan. Then noted my car loan is past due and I cant remove it this company is trying to scam me out of {$1800.00} due to late fees but I have the lien removed from my car and a confirmation of loan discharge.

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 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
In XXXX, I worked with an account resolution XXXX named XXXX with Advance Financial ( af247.com ) to resolve a debt that was growing exponentially due to the high interest. The account had grown to incur a payment amount that I could no longer keep up with. XXXX stopped the interest accrual, waived a large portion of the previously accrued interest and put me on a repayment plan which would settle the loan in full. At the end of the repayment plan we agreed on, I asked for a statement showing that the loan had been settled in full. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that Advance Financial sold the account to them for collections for an amount of {$2600.00}. This is not the first time Advance Financial sold the account to another collections agency. I don't have the details but I had to work to clear up the matter with another collections agency a few years ago. 
This time, the collections agency does not acknowledge the proof I sent them that the debt was settled in full. I copied XXXX with the original email from XXXX and also asked them to recall their part in the collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
I extended my credit to capital in which was accepted, however was no benefit to me which is unauthorized use. My account was closed due for no reason due to first party fraud. This is an extension of my own credit, as the creditor I am invoking my specified remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked my ticket with Chase Credit card travel portal with Trip id XXXX. Unfortunately I had to cancel one passenger ticket out of total 2 passengers. Chase representative informed me that ticket is refundable So I should get my full amount back ( {$720.00} ) deducting charge of {$300.00}. Chase also informed me that how this works is that they will charge me {$300.00} on my credit card and refund back my full amount back {$720.00}. I gave them go ahead. 

But out of my surprise, Chase charged me {$300.00} immediately ( XXXX XXXX ) on my card but even after waiting for 5 business days, I never got my full {$720.00} back.

When again called chase, this time representative told me, it will take " 2 billing cycle ( ie 2 months )!! '' to get my money back. This is totally unfair, due to this now Chase have my {$720.00} stuck with them EVENAFTER charging me {$300.00} to me immediately. 

I need my {$720.00} back hold by chase bank unlawfully PLUS 22 % interest APR because if I didnt pay this amount due on my bill that Chase will charge me 22 % apr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: MO

Complaint narrative:
Equifax is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company was reporting bankruptcy case number XXXX as belonging to The Consumer. The Consumer has received notification that The Company has deleted the above mentioned bankruptcy from their database, but has yet to remove the accounts originally reporting as associated to said bankruptcy. Listed are the accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: VA

Complaint narrative:
I have made several attempts to Experian to update/remove personal information that is incorrect. On XX/XX/XXXX, I sent a letter to Experian requesting they update and remove incorrect personal information. It has been more than 30 days since I submitted this request and after reviewing my credit reports on several occasions the incorrect personal information still remains on my credit reports i.e. previous address. I also called Experian on XX/XX/XXXX to once again have this personal information removed and the agent assured me that it would reflect on my report with 24-48hrs. It has been almost a month and the incorrect personal information still remains. This is creating issues with applying for lines of credit as lenders are using invalid addresses and personal information hence incurring personal suffering in the form of not being able to secure small business loans.

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 2023-02-13 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Dating back to XX/XX/2022 someone who works for American Express unlawfully closed all three credit credit card accounts that were under the estate of XXXX XXXX XXXX. Those accounts were not held by the financial institution of American Express. Since, I have been mailed multiple billing statements with the wrong amount. The amount showing on the billing statements are in a positive balance. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading. All three credit card accounts should have a monthly zero balance because your financial institution received collateral equal to the credit amount when receiving application from the estate. Since the unlawful closing of all three accounts, stress and anxiety has been placed on my shoulders. Your financial institution continues to make false negative reports to credit reporting agencies. No one from the estate has granted your financial intuition permission to administrate the estate.

Company response to consumer: Closed with explanation