vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX of 2019, while banking with Wells Fargo, I had incurred multiple Overdraft fees. I had transferred money to the affected account prior to these charges and called the company to get them reversed. I was told " No '' multiple times by multiple people and was put on hold for over an hour. I eventually spoke with a " Supervisor '' who initially did not want to reverse any charges. After pleading my case, I was finally granted a refund but only on two transaction and only partial refund on others. I have the bank statement that reflects this. 

I have also incurred many other Insufficient Funds/Overdraft fees that were not refunded in the past before this. I would like to have refunds for all those charges as well. I can provide information for those as well later. The above statement was the most recent.

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 2023-07-12 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/2023, i received letters from bank of america announcing they have closed my personal credit card and 2 other business credit card due to the XXXX credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than XXXX reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and XXXX marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know my rights.

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 2023-07-12 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Medical bill popped up in my credit report out of nowhere and I havent been to a doctor

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have never missed any payments. The payment history is reporting inaccurate. FORTIVA already agreed to update my payment history and has yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have made a dispute with XXXX on XX/XX/23 for fraudulent credit card creation from XXXX XXXX that I have absolutely no knowledge of that I found on my credit report. I found out on XX/XX/23 that my dispute of fraud credit card got denied, so I got on the phone with a XXXX agent to file another dispute, and found out on XX/XX/23 again that my dispute got denied. I got on the phone again today XX/XX/23 to file a dispute about this, but I am afraid if it keeps going on like this, XXXX will reject my dispute again and I am going to be in a loop of constantly filing dispute and over-time, my credit will falsely be harmed, because there is already a charge of $ XXXX on that card and it is under 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 2023-07-12 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
Please note that Lexis Nexis has corrected the bankruptcy error on my credit report with them. XXXX and XXXX have given written notification that they both received the information from Lexis Nexis. I have submitted the supporting documentation I received from Lexis Nexis to both bureaus and both XXXX and XXXX refuse to review the documentation and update my reports. 

XXXX went on further to send written documentation that both the Federal Bankruptcy Court and Lexis Nexis confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks.

Both bureaus have stated Lexis Nexis has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm also a Citibank account holder of XXXX years standing. I have a current and savings account with the bank. Both accounts have been frozen for XXXX weeks and counting, and I'm unable to access any of them because a check I cashed for a returned security deposit was wrongly deemed fraudulent. 

I'm currently traveling overseas, and I will save you the trouble of spelling out how not having access to my bank accounts for over a week has caused tremendous difficulties, the fees I will be charged as a result, and the distress from receiving an email saying that my accounts are closing. 

I've been unable to speak to anyone in Citibank customer service who has agreed to put me through to a manager, and I've spent countless hours on the phone, unable to ascertain what happened and how I can resolve the issue. I still do not know what happened or why I can not access my accounts. 

Last week, I asked a friend in New York to walk into XXXX of the Citibank XXXX branches and ask for a manager so I could speak to someone on the phone who could help me. The branch manager was able to verify the check and has now put in the request to overturn the block and close my accounts. He told me I must wait two days to see if it works. 

In the meantime, I wrote to the XXXX of XXXX. XXXX Banking. The exec response team called me and explained that my account had been unfrozen but that I wouldn't be able to access them until I received a physical replacement debit card, which after hours of phone calls, was mailed to me. Today, I tried four times to activate the card online, and it didn't work. I have tried to call back the exec responsive team and am now awaiting a callback.

Please help me resolve this. I haven't been able to access my bank accounts for two weeks now, and I'm now facing major financial hardship as a result.

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Hello, I was recently contacted by XXXX XXXX XXXX about a past due debt charged off by Comenity Bank. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called Comenity and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} XXXX  Acct # : XXXX XXXX Acct # : last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have 8 late payments on an account that I was never late for. Furthermore, I inquired about the process of reporting with Capital One and was assured I had no late payments in the last twelve months by a representative who go by the name of XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Quicksilver One. I have the last four of the Card in reference : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late according to representative XXXX. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA is charging me a 30.4 % predatory interest rate on my Credit Card. I called them twice and asked for a better rate. It was 15.99 % originally. They said they did not have a better rate for me. My credit score is XXXX. USAA is for Veterans only. I think it is disgusting that they think they can charge me such a high rate. Maybe they should not be allowed to represent Veterans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Friday XX/XX/2023 I went to an Bank of America in XXXX SC on XXXX XXXX to deposit {$500.00} in an ATM to my checking account. During the transaction phase after I put the money in the slot provided by the ATM a message appeared stating it was unable to process my deposit. The money was not returned. I immediately called the number provided on the ATM, but as of filing this complaint I have not receive any money to my checking account. I was told that it could take 2 to 10 days to resolve this issue. No other solution was offered and the money was needed to provide funds to purchase an air conditioner for a family member. This is not the first time I have made a deposit to a Bank of America machine only to have the issue resolved several days later.

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 2023-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on the date XXXX XXXX I sent a letter certified mail tracking number : XXXX To XXXX XXXX XXXX account number XXXX. Transunion, XXXX And XXXX claims to have done a investigation, but how is that possible if i have not received a response they proclaimed the debt was validated, but provided me with no documentation as proof. Additionally Account type, Account details, Account status, Balance, Last reported date, date last reported, high credit, date opened are either reporting wrong or incomplete information. These are inaccuracies on my credit profile and i demand they be removed immediately.

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 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 a payment posted to my bank account for XXXX dollars to Capital one credit card that I didn't not authorize. I contacted Capital One for a refund and to address this unauthorized payment and they refused to refund me and stated that I made this payment online myself ( which I did not ). I am not set up with autopay. I had to close my account because they refuse to rectify this issue and continued to say that I was the one who made the online payment, even though I repeatedly told them I did not. This is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of inquiry : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$290.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 have unknown accounts that needs to be looked into and removed from 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
PLEASE BE ADVISED THAT XXXX XXXX HAS INACCURATELY RECORD ALL PAYMENT RECEIVED ON THIS ACCOUNT XXXX. FIRST, THE COMPANY DOES NOT HAVE ORIGINAL CONTRACT WITH MY SIGNATURE OR TERMS OF AGREEMENT.SECOND, I NEVER RECEIVED AN INVOICE WITH COMPANY HEAD FROM THEM RECORDING TRANSACTION OR PAYMENTS FOR ACCOUNT XXXX. THIRD, I WAS CHARGED 2 REPOSSESSIONS ON ACCOUNT XXXX WHICH VECHILE WAS NEVER REPOSSED, AND IF SO, I DEMAND PROOF OF THE 2 REPOSSESSIONS. FOURTH, I NEVER AUTHORIZE OR GAVE PERMISSION FOR XXXX XXXX TO REPORT ON MY CONSUMER REPORT-ESPECIALLY INACCURATE INFORMATION. AND LASTLY, I WAS NEVER LATE OR RECALL A REPOSSESSION ON ACCOUNT XXXX. ALL HARM AND DAMAGES ARE A RESULT OF INCORRECT PAYMENT HISTORY AND BOOKEPPING.

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 2023-07-12 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: NJ

Complaint narrative:
After graduating college in XX/XX/XXXX with the effects of the XXXX recession still in full force, I was not able to start paying the full monthly payments. Instead of being offered options when asked, I was told only forbearance was possible. After using up all my forbearance, I asked again if there were any programs available to help with lower payments and was told there was. In between these times, Id have Sallie Mae agents calling me and telling me I owed a payment in harassing ways, even though I was on forbearance. Between the harassment and lack of help while on forbearance by Navients former company, Sallie Mae, I have paid around {$150000.00} so far with almost the same amount still owed. Four loans accrued anywhere from $ XXXX in additional interest. Ive paid in good faith for a long time, but due to not being helped when asking for it initially and what feels like purposely pushed into the full use of my forbearance, this was done to take advantage of me and create a never ending cycle. I currently pay {$1700.00} a month and the balance doesnt go anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$290.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief