vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX have some fraudulent inquiries appearing on my credit report. 


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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had a bill of {$2300.00} issued to be by bilt mastercard ( wells fargo ). I paid {$2300.00} but forgot the remaining {$30.00}. When I received my bill on XXXX that remaining value was charged {$22.00} in interest. I don't understand why this is when my APR is 25.49 %. 
I called the customer service line of wells fargo to fight the charge but they told me that the XXXX is charged daily, 24.49 % every day. I told them it's an annual charge not a daily charge and this has never been advertised to me as a daily charge because the name itself implies annual. 

I think this is predatory and they're misleading customers to gain profit.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX. I retired from the XXXX at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
Tried to access my checking account to pay a bill and got a notice of verification code sent to a new phone number XXXX ( not mine ) Had to get account locked and was told to report to 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I responded on XX/XX/XXXX requesting proof of all documentation and sent a certified letter on XX/XX/XXXX requesting they respond in 10 days. It was signed on XX/XX/XXXX. I received no proof or correspondence at all. 
On XX/XX/XXXX I discovered they put a collection account on my credit report for XXXX I want it removed and will hold them liable for any problems it causes with my credit.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am filing a complaint today with WellsFargo because weve had up to {$33000.00} in fraud committed on our accounts. WellsFargo has refused and denied our claims even though they hold a zero tolerance zero liability policy against any fraudulent charges. We gave them all the transaction IDs, ATM IDs, and any other information possible where these charges and this fraud was committed. We filled out complaint after complaint any anything else we could provide to assist us in this matter. We followed every step that WellsFargo told us we needed to do, yet WellsFargo still denies our claim. This has caused the last 10 years of work that my family and I have put forth to build our business to completely collapse. This is obvious fraud to anybody, even the newest investigator could see that this is fraud. A man stood at the same ATM machine over and over and over again withdrawing the maximum amount and WellsFargo never once flagged them. WellsFargo flags my family and I every time we go to the same grocery store every month to buy food for our family, and we have to stop what were doing, call them tell them that its not fraud so that we can continue our purchases. Yet somehow a stranger stands at the ATM machine over 40 times and they dont flag him one time. Weve provided the name of the suspect to them, weve pressed charges and have provided a case number, weve given WellsFargo the transaction ID numbers, we gave them the ATM identification numbers, and any other information that we felt would help them come to a conclusion that this was fraud. They are refusing to help us and we dont know what else to do. We just want to be protected by the bank that we trust with our finances so we can be assured that our family can eat.

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 2023-11-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint narrative:
I am a XXXX for almost 8 years and I have been spending my times in and out of XXXX for every other XXXX. This time I arrived at XXXX XXXX and not too long after I got mails from frontline asset strategies that I needed to pay {$25000.00}. Going through when the account was opened I was in XXXX throughout the entire COVID 19 pandemic and could not possibly be in 2 places at a time. I called up and informed them that I never had any bank credit card from XXXX XXXX and I am not the one that opened the account. A heated argument ensued the agent was very dismissive of my argument and thereafter I asked her to go to any length to prove that I own the account. The response sent to me was to submit an FTC report and this is what I am doing now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc.
State: FL

Complaint narrative:
I used the company XXXX to make a payment to my golf club, XXXX XXXX XXXX XXXX. I made the payment using a credit card in the amount of XXXX and a transaction fee of {$170.00} for payment due on XX/XX/XXXX. It was an additional charge to make the payment for next day!!!! 

But, the payment to my golf club was not received until XX/XX/XXXX!!! And my golf club says that my payment was late and therefore as a result I was penalized. 

I want my fee paid to this company returned and the company fined!!! Imagine if the company did this every time XXXX times and how much the company would make by forwarding the payment two days later than promised!!!! 

I have proof of the payment and date of promised delivery of the XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, 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
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score.

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, 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
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX I received a CapitalOne credit card in the mail to activate. I did not request to open the account or inquiry about opening a credit account. 
XXXX XXXX XXXX Called CapitalOne and was told the account was open on XX/XX/2023. They reported no charges. Opened a fraud case on the account and closed the account. I was told it could take 6-9 months to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
On XX/XX/2023 I asked the chat rep thru the account portal how to avoid the {$5.00} monthly fees and was told the balance needed to be above {$300.00}. I transferred {$200.00} to make the balance XXXX from XXXX through the end of the month. On XX/XX/2023 I was charged {$5.00} again. 

I noticed it today on XX/XX/2023 and contacted chat support again. This time I was told it's an average balance. With today being the 9th, the average will be below {$300.00} at the end of this month, thereby guaranteeing I'm billed another {$5.00} fee. 

I feel they should have stated that it's based on an average so that I would have moved more over. Instead they leave you just enough information to keep you in this endless loop of fees. 

Up until XX/XX/2023 my average balance of all accounts with this bank was {$70000.00}, yet they still saw it fit to charge me fees on the smallest one. 

I closed the small account today.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am in desperate need for help with two credit bureaus that deliberately add information that was disputed and removed, back on my credit. This is a vicious cycle that has to cease. They are hurting my credit continually, approx every 2-3 months and this has been going on for 5 years or more. I have fought with them, they remove the information, but very sneakingly they deliberately add old removed false disputed information back on my credit report. I have called and I have talked to numerous individuals with Transunion and XXXX. They will remove the information if I call and spend about an hour and half just trying to reach someone. I have wrote letters explaining in detail what is happening, I have never received any explanation or reason why this keeps happening, I have been in tears because my credit has been destroyed due to the fact I am a victim of fraud and it is very clear and known that my identity has been stolen and I have had to dispute so many fraudulent accounts and Ive provided proof of identity theft with a letter from the irs stating someone was trying to file taxes under my personal information using my social, my home address, my phone number even, it has been a nightmare. I dont know if I will ever recover from the amount of damage that these criminals have caused me by stealing my personal information amd opening up fraudulent accounts using my social and other personal information. I am needing help making sure that the credit bureaus stop deliberately putting false information that was disputed and removed, back on my credit report. I dont understand this and its so frustrating because I have spent countless hours having to contact these bureaus every couple months to dispute and tell them to remove certain information that was removed already. I dont have time or much patience anymore to deal with this. This is my life, they are hurting my credit continually by adding this false information back To my credit report. It was removed and disputed to start with due to it being a fraudulent account. I need them to remove my disputed information and stop putting it back on.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received 3 separate notifications from JPMCB that a hard pull was done on my credit for an application for a new CHASE FREEDOM Visa Platinum card. They have denied the request and marked it as fraudulent. I have spoken with them and protected my accounts and am filing to have these 3 hard inquires removed from all 3 of my credit reports - I am also placing a freeze on my credit accounts. 

According to my XXXX credit report hard inquiries were done on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all from JPMCB CARD SERVICES. 

Please let me know if there is any additional information you need to protect my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Ive asked Navient about my options to be able to afford the payment theyre requesting. I was told they have an affordable repayment program which still exceeds what Im able to afford. 

Ive asked them to minimize calling because its disruptive. ( On average, I get about 4-5 calls before XXXX ). 

That is harassment. 

I even asked that they stop calling, theyve called at least XXXX times since. 

Thats harassment. 

Im trying to communicate with them so we can come to a middle ground, but Ive already gotten written up because of how often theyre calling. My boss thought I was lying. 

This is ridiculous. And Im sure its not legal.

Company response to consumer: Closed with explanation