vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: CA

Complaint narrative:
To whom it XXXX concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX U.S.C. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I have disputed this inquiry, several times as I have not applied for services with this company. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX XX/XX/2022 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a Chase Freedom Unlimited credit card on XX/XX/XXXX and was approved the same day. A bolded feature of the card on the website was 5 % cash back on groceries for the first XXXX  months of the card, which is why I picked Chase. When I noticed that I was not receiving the advertised rate on my cash back rewards, I contacted customer service via their message portal on XX/XX/XXXX to ask when it would be applied. They requested information about the offer the next day, so I copied/pasted the offer from their website. 

Their reply on XX/XX/XXXX was that " We don't have a similar offer available for your account right now, and we can't match the one you requested.. Our credit card offers vary and change, and new ones become available on a regular basis. '' I replied to this message that it was an active offer both currently and when I signed up for the card, and I would like it explained to me how it did not apply. 
The reply I received on XX/XX/XXXX stated : " Sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. '' I did not think this was an acceptable response because the information was from their own website, so I asked how to escalate my request. Their response XX/XX/XXXX was that " your account is not eligible for the new offer you requested '' and " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At no point have they acknowledged that they advertised this specific card with this offer or clarified why I was not eligible despite applying for the card under these terms. 
Here is a screenshot of the offer, taken less than XXXX  hours after my application was approved XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Funds have been low, and payments kept going through. Although funds were no longer available, overdraft fee after overdraft fee. Although no funds were available payments kept processing, causing a lot more overdraft fees than I could afford. When attempting to reach out for help in regards to the overdraft fees, I kept getting transferred from one dept to the other, and getting hung up on. I have yet to be able to bring my account to a positive 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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I traded in my leased vehicle, a XXXX XXXX XXXX for a new XXXX XXXX on XX/XX/XXXX. I was able to trade it in to a dealership before my lease ended with no penalty. The dealership sent a check for the payoff to JP Morgan Chase, XXXX XXXX, who held my lease. The dealership had the address wrong and I could tell from my Chase account that the car wasnt paid off. It said I had a payment due of {$600.00} on XX/XX/XXXX, so I paid that amount so my credit would not be affected. I went back and forth with the dealer and Chase and found out the dealer sent the check to an incomplete address. In the meantime, Chase sent me a refund of {$600.00}, in the form of a check which I deposited in my bank. Apparently the dealer sent another check and Chase cashed the wrong one, which had a stop payment. They in turn stopped payment on my check that I had already deposited. The dealership sent another check and I verified that they received it, cashed it and cleared it on XX/XX/XXXX. Now, no one at XXXX knows what XXXX talking about when I call for my refund. I have called them about this matter on XX/XX/XXXX, XXXX and XXXX, and each time I have to repeat my issue. On XXXX XXXX they told me they would call me back in 48-72 hours. I received a call on XX/XX/XXXX and in the voicemail they said that anybody that answers could assist me. When I called back, they had no idea why I was calling and someone told me they could submit a refund request if I wanted. I need my {$600.00} as I have not had possession of the XXXX for more than 2 months. Chase has been paid, my dealership has been paid and I have not. I would also like to point out that Chase never told me they were stopping payment on my check until I received a mailed letter a week after.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Daughter XXXX XXXX XXXX signed up for American Express Hilton Honors Surpass XXXX, Account Ending XXXX. XXXX was never received and hence do not have a card number for reference purposes. American Express was contacted on XX/XX/23 at XXXX XXXX : XXXX to review account including a {$95.00} fee. American Express detailed that {$95.00} was annual fee. Requested that the card be cancelled and since card was never received, the {$95.00} fee be removed. Response from American Express was that if card was cancelled the {$95.00} fee will remain. Accordingly alleging deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: FL

Complaint narrative:
After actively monitoring my consumer report, I noticed multiple inaccuracies are being reported regarding my XXXX account ( Account # XXXX ). The inaccurate information on my consumer report is proof that a proper investigation has not been conducted by the Data Furnisher to the Credit Reporting Agencies. I'm simply asking XXXX to remove it from my credit report. 
These discrepancies amongst the credit reporting agencies have caused enough damage to my personal and financial reputation. I have provided a list below of all inaccuracies reporting on my consumer report, which further proves that XXXX has had blatant disregard for the laws according to the FCRA & FDCPA. 
Also, I have found the information being reported is not metro 2 compliant which is a reporting requirement listed by all three credit bureaus on each of their websites. Please view ALL of the documents attached. 

Account Name : XXXX XXXX Account # : XXXX Dispute # 1 XXXX XXXX as the furnisher of information is not registered as a telecommunication company not a collection agency in the state of XXXX. Therefore, XXXX XXXX should not be reporting a collection account on my consumer report. 

Dispute # 2 XXXX XXXX has verified with the CRAs that {$820.00} is past due. In order for an account to be reported as past due a payment must be due. The payment history does not reflect any scheduled payment amount for this account. XXXX XXXX may report a balance but a past due amount is invalid reporting and improper use of my credit report. 

Dispute # 3 The Term is being reported as 1 Month. Was this account opened on XX/XX/ as a Collection account or a Cell Phone account? I would like to request the 1 month Term contract/ signed agreement. 

Dispute # 4 The account reports as an Open/Installment account that was opened on XXXX  but has reported no positive payment history. Which is a reporting requirement by the Credit Reporting Agencies. Data furnishers must report both positive and negative information monthly. XXXX XXXX has reported ONLY negative payment history regarding this account. 

Dispute # 5 This account is reporting monthly payment history on a closed account!

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 2023-01-23 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: WA

Complaint narrative:
On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord that evidently included information that shows that reasonable procedures may not have been followed to assure the accuracy or lawfulness of its gathering or distribution. I called XXXX today, XX/XX/XXXX, to inquire further about about the dispute process. Despite the screening report they provided claiming they received their information from Experian only, the agent I spoke with claimed they were waiting on input from XXXX to proceed. Considering the inclination these XXXX bureaus have to go hand in hand, I have reason to believe XXXX has this inaccurate information as well. 
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. Further, in what I've found so far, their actions have violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 
These violations have directly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

These credit furnishers have violated my rights, and restrain trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681s2 ( a ) - Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23 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: NC

Complaint narrative:
HI 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 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a payroll check through my online banking app, The picture ended up being warped so they restricted my bank account until they could verify my check, They werent able to verify my check so they could release the funds. Ive tried over and over to get my check verified even working with my employer But they said theres nothing they can do so they took my money and said The check could bounce in about 3 months or not. My employer couldnt issue me a new check due to the bank already depositing it into my restricted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
Received today letter from CBE Group claiming that I owe a debt from XX/XX/21 to XXXX ( not XXXX XXXX XXXX or any other legal entity ) in the amount of {$110.00} with an attempt to collect this amount. 

I have not at any time owed funds to XXXX. 

Research in XXXX forums reveals this is a common scam for people to receive when no such debt exists, as in my case. Many posts about this particular fishing scam are in the XXXX forums. 

It would seem that this letter is sent to entice recipients to just pay whatever debt they list in the letter to fraudulently collect on a fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 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: MS

Complaint narrative:
I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy. 
Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of XX/XX/XXXXXXXX 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 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 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My ex-husband and I divorced on XXXX He kept our residence which was financed through Wells Fargo. I moved in with my parents. I was court ordered to sign a quit claim deed for our home, which I did. My ex-husband was court ordered to complete paperwork to effectuate the transfer of assets and liabilities pursuant to our divorce order. He did not. On XX/XX/XXXX, we mediated and ex-husband agreed to make a good faith effort to assume the existing VA mortgage and release the wife ( myself, a nonveteran ) from the liability of the mortgage. He has not. During this thirteen-year period, Wells Fargo has restructured the mortgage twice in my name. I did not sign or attend the closings. I have not given verbal permission for the restructures of the loan. During the first restructure, I received a phone call from Wells Fargo to meet with a notary to sign. I told the woman that I would not sign and will not give permission to restructure the loan. They restructured and added principle onto the mortgage against my wishes. On XXXX principle amounts of {$17000.00} and {$20000.00} were added to the loan. In XX/XX/XXXX, I was emailed by Wells Fargo about another refinance. I emailed XXXX in response and called as well. In the attached email, I stated I do not want the loan refinanced or restructured in my name. Wells Fargo did not respond and the loan was once again restructured in my name. More principle and time was added to the loan. I do not know the amount of the last principle added. This has had an impact on my credit and more debt in my name. My ex-husband has remained employed by the same large corporation since our divorce and continues to have increased income. I have not given permission for the last two loan changes. I left the home thirteen years ago. I do not understand how Wells Fargo can legally restructure a loan twice, despite a court order for my ex-husband to refinance solely, without my consent or signature. I respectfully ask Wells Fargo to remove my name from this mortgage.

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 2023-01-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Money was taken from me on the wrong and interested charges was added back in 2022. That set my funds back to under XXXX dollars

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had money in my checking account and made a transfer to my wife out of state. Then got emails saying that I owed money for the transfer and then was hit with a overdrawn account. There was more then enough money for the transfers and fees for this. So I let them close the account I never dealt with them again.

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 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: DISCOVER BANK
State: CA

Complaint narrative:
The date of occurance was XX/XX/2018 with Discover Bank Account # XXXX, Amount of monies owed to XXXX XXXX is {$4100.00}. I am filling a dispute against Discover Bank due to account being reported to my Creditreport, This Account is Fraudulent and inaccurate. I reached out to the Credit Bureaus and Discover Bank and well to let themknow this account is due to FRAUD. I also filed several police reports XXXX XXXX XXXX XXXX ) and FTC reports File # ( XXXX ) .The Credit Bureaus are doing what they can to assist me with this matter, I even reached out to Discover to dispute this Charge/Account and informed them that this account was not mines but they refused to remove this account from my Credit.I 've sent Police reports/FTC reports signed Affidavit that this account isn't mines and they still refuse to remove the account even tho the name and address doesn't match my personal information. I informed Discover that I have been a Victim of Identity theft for several years and that my personal information was used to obtain goods in my name. The unprofessionalism of Discover Bank is horrible and needs to be addressed, I would like this to be resolved ASAP as Discover bank is causing harm to my finiancial freedom. I also filed a complaint with the Attorney Generals Office and The XXXX.

Company response to consumer: Closed with explanation