vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I am writing in hopes of getting help with solving the current issue I am facing with my bank. I am a Chase Bank holder and I recently was faced with someone using my debit card when I lost it. I lost my debit card on the night of XX/XX/XXXX when out with some friends. Later that week and moreover the following week I wasn't checking my account and it turned out someone was using my debit card to make purchases in numerous amount of places. After someone was using my debit card it amounted to {$370.00} of used funds. 

I tried to claim fraud charges on my account but Chase bank said I authorized the charges. I kept explaining to them that I was nowhere near where the charges were made but they wouldn't understand. They specifically indicated that I reach out to the restaurants to see if I could get my refund from them. I called every place and indicated that all transactions were final. 

I have credit cards and mostly all financial services with this bank and the way they tried to resolve this issue was horrible. I never knew how hard it was to fight for your money back. However, if I were using my credit card, the banks would've solved it a long time ago. They seem to not care when it's your money at hand. I truly demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An attempt to open a credit card at XXXX. XXXX then made an hard inquiry into my credit under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO says they have " no record '' of an checking account ending in XXXX. I am simply trying to close this checking accout which is in my name. They are unable to see the account on their end but I can see it on my end.

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 2022-12-27 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: OH

Complaint narrative:
I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report 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 explanation
Consumer complaint received 2022-12-27 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: OH

Complaint narrative:
I have a Bankruptcy report on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report 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 explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has repeatedly failed to investigate the accuracy of multiple accounts reporting on my consumer file after repeated attempts were made by myself to have the inaccurate accounts verified via a full investigation. Experian keeps claiming that these alleged accounts belong to me and are reporting accurately without providing any proof supporting these claims. Experian repeatedly fails to provide me with complete documentation that would support their claims as is required under the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ]. I intend to litigate if this information is not DELETED from my report immediately. I will be filing a complaint with the XXXX of XXXX and the media regarding Experian 's multiple FCRA violations in addition to the above stated violations. Experian has caused damage to my reputation and livelihood.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
M and T Bank Mortgage department There is no number where you can call and speak to a human. Callers are referred to the web site which doers not help with my issue. I have tried calling the bank repeatedly, but no one answers. 

In XX/XX/2022 we were notified that our house payment would increase because the mortgage company was requiring flood insurance so they bought a policy for us WITHOUT our knowledge. Their new policy was {$620.00}. No one called us or contacted us in any way! We already had flood insurance on the house I emailed a copy of the declarations page on XX/XX/2022. The refund went to our escrow account. 

On XX/XX/2022 an electronic payment was, made to XXXX, to pay the house insurance. It was paid in full for the year for a total cost of {$3000.00} My insurance agent confirmed the payment was linked to the mortgage we had with M and T bank. 

On XX/XX/XXXX, again with out consulting us M and T bank purchased a second home owners policy for over {$3000.00}. The new policy was with XXXX  XXXX which charges a much higher rate. Again, It was bought WITHOUT our knowledge. I do notknow what this policy covers, We have received NO letters, phone calls. There was no notice. 

On XX/XX/2022, we received a letter from M and T mortgage Department telling us they had bought home owners policy with XXXX XXXX and to cancel our XXXX policy. 

I called XXXX XXXX  insurance, and their is no home owner 's policy for our home address or under our names. 

I tried to update our information, but I get the run around. No one answers the phone. Our escrow account is minus over XXXX because this policy they supposedly bought. I do not know how property taxes will be paid since we have a negative balance.

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 2022-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I submitted all of my paper work to stop foreclosure of on my home and was unable to get any assistance. I had to file XXXX in 2008 to keep me and my kids from being put out of my home when i was not advised about the arm mortgage. I submitted all the paper work for months and they kept saying they didn't receive anything from 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 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been trying for months to receive a statement from the company. I've called and I've emailed, but still no statement. My last statement was in XXXX of XXXX and we're now going in XXXX of XXXX. I recently receive a letter stating enclosed was my statement, but no statement was included in the envelope. Basically I'm paying blindly with no information whatsoever. I need to be able to see my statements, either online or have them mailed to me. I was told that the statement would be available for XXXX and when I just checked, again the site is only showing my last statement which is again XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: IL

Complaint narrative:
I responded to a email about applying for a credit card in which it was not supposed to affect my credit score, in which it did JUST THAT. I have hard inquiries from the same company ( XXXX  ). Im filing this report against experien. I also gave a copy of the email that I originally responded to for the offer

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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX wronly charged my account. when I contactet them they returned money to my account in the wrong amount instead of XXXX the put in XXXX the they asked for a money trcnser for XXXX only to find out the money went to a card instaed of paypal now I am out XXXX. I will attach all pertinant documents the bank in question XXXX XXXX Bank recipiant XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX account # XXXX routing XXXX Bank address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wire recall Nmber 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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX we lost our home in a wildfire in CA. We entered into the forbearance department with our mortgage servicer ( 5/3 bank ) in XX/XX/XXXX. We came out of the forbearance department on XX/XX/XXXX, discussing with 5/3 bank the options for full payment vs. a loan mod at that time. On XX/XX/XXXX, I mailed two checks in - 1 for the normal monthly payment of {$1900.00} to cover XXXX mortgage payment, and another for {$7500.00} which is what 5/3 and I discussed as going toward the forbearance amount, potentially considering to do a loan mod for the remaining balance at that time. Two weeks later I spoke to 5/3 bank about a potential loan modification and decided instead to pay off the amount due in full and sent a check for {$11000.00}, cashed by 5/3 bank on XX/XX/XXXX. 

The total forbearance amount of {$19000.00} was paid in these two payments described above ( {$7500.00} + {$11000.00} ). All monthly payments moving forward were paid on time. Despite receiving these funds and cashing my checks, 5/3 did not apply my funds to the balance due until XX/XX/XXXX. At this point they have declared to credit agencies that we were past due for XXXX, XXXX and XX/XX/XXXX, despite having cashed our checks and leaving unapplied funds on our account until XX/XX/XXXX. 

We are requesting that 5/3 bank resolve this issue by clearing this incorrect information up with the credit agencies. We were never late on any payments. There was confusion when we came out of forbearance with 5/3 not applying our {$19000.00} in payments toward our open balance. This error is that of 5/3 banks and should not be impacting our credit score. I called and spoke with over 6 personnel between XX/XX/XXXX and XX/XX/XXXX in 5/3 banks customer service department and asked them to apply our funds, with no success. 

To date, they have finally applied our funds ( showing on XX/XX/XXXX ) but have not corrected this issue with the credit agency. I have since called on three separate occasions asking them to deal with this issue internally and have gotten nowhere. I have received mis-information, had the call dropped with no return calls, and have received very low quality customer service. No one can tell me why my funds were not applied and no one is giving me a path toward resolution to fix my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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: FL

Complaint narrative:
I'm a natural person, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

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 2022-12-27 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: FL

Complaint narrative:
I'm a natural person, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I asked was the debt sold to a collection agency. The debt collector was tryng to coerce y child a minor into paying the debt. She is XXXX. I tried to work out the details of the debt to pay it and she refused and told me I better pay up or she will ruin my credit. I want the debt removed from my credit and ill pay for deletion on a negotiated amount.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist closed my business checking account. And they have refused to give me the balnce of the account after closure. This is criminal and illegal and they no right to hold on to funds that do not belong to them

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 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
This company has been trying to collect a debt that I do not owe or have knowledge of. Several of my consumer rights has been violated including calls at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have already disputed this charge from my account but it is still appearing on there. I am not the person they are charging me. The amount is of {$1100.00}. I disputed the transaction on in 2021 and It still is affecting my credit. It doesnt appear on any of the other credit bureaus and I want it off of my account because it is still appearing as a collection on my credit and it is affecting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-27 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: MI

Complaint narrative:
I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation