vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022 I applied for a Chase credit card. Chase pulled a hard inquiry from my consumer report at that time with all three credit reporting agencies. 

Today I went into a Chase branch to verify my identity for this application at Chase Banks request. After providing the documents they asked for I noticed that an additional hard inquiry was pulled from my consumer report. 

This second inquiry was illegal because I was not notified that it would occur before hand. Also it is not fair to pull my credit more than once for the same credit product. Chase is supposed to be an equal opportunity lender. I have not been given an equal opportunity to receive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, XXXX and Experian Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXX, XXXX  XXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. XXXX and Experian continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?

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 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX received call from XXXX XXXX XXXX on my acct. 
They claimed to refund the fraud and was a scam in which they gained access to my 2 checking accts Citibank and XXXX XXXX. Proceeded to XXXX  Approx {$440.00} XXXX CitiBank checking XXXX Their actions froze my computer and I was unable to acces accounts from that time onward. Do NOTknow actually how much they did take out of the accts. 
Droppedthe call when became suspicious, phoned both banks. REported scam, BLocked checking accts and asked for new checking acct to be opened in my name. ( CitiBank and XXXXXXXX XXXX ) SInce that time I have been working with both banks to reestablish my accts, but this has not happened yet as XX/XX/XXXX. 
Cards were sent to wrong address ( Home address and not temp address as requested ) Citicard Reissued and Address change issued XXXX. When Card activated was attached to Compromised checking acct and rep would not change to new checking acct. INsisted on reIssued of Debit card Again. Debit cards arrived and were expired when arrived. To Date I have had 3 CitiBank, and 3 XXXX XXXX Debit cards issued but still none working with my new un compromised banking accounts. 
I am XXXX and can not go into branch to handle in person!! 
This needs to be done over the phone or internet. 
CitiBank has no branches in XXXX where I live. 

Similar experiences have happened with XXXXXXXX XXXX. Every Debit Card ( 3 now ) does not activate!!!. 

I have serious bill delinquencies due to not having access to my funds pls help

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I purchased a prepaid visa giftcard for {$500.00} plus {$5.00} fee on XX/XX/XXXX and when attempting to use it, it was declined at a merchant. I know this was a scam where the card information was compromised. My card ends in XXXX but the merchant where it declined showed a different last XXXX digits of the card when a decline receipt printed. This tells me the info was compromised. Also the CCV on the card was scratched out on the card by the scammer. I have reason to believe they somehow compromised the card to activate a different card instead of mine. Not sure how they managed to do that. Please help and mail me a new card and stop the scammer if you can thank you. 

Attached is a XXXX page document that contains : a copy of my ID, copy of the receipt, front and back of the card and original packaging. 

I contacted Vanilla gift/Incomm several times at XXXX and they continue to say wait XXXX hours and someone will get back to me. No one gets back to me. They opened case # XXXX to investigate and I sent in all requested documents. Several reps have said a new card was sent to me since XX/XX/XXXX but that's not true. A supervisor name XXXX today confirmed that nothing has been resolved and no replacement card has been sent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi, I have been banking with Wells Fargo for over a decade. Within the past 2 years, my grandfather started me sending me money in fairly frequent increments. Rather than using a new age, free transfer system, he uses old fashion wire transfers because he is over XXXX XXXX XXXX and this is what he prefers. 

Each time he sends me money, Wells Fargo takes a {$16.00} service fee. Over the past 2 or so years, this has added up to {$490.00} dollars in fees, to run a process with little to no costs to the bank. I asked to have some or all of the funds refunded because these fees are incredibly excessive, but they were unwilling to do so ( they actually were willing to refund some of the money over the phone but then none of the money over email/messages, which shows poor process control and an arbitrary system of refunds ) This feels excessive. They are basically taking money from my grandfather since he is too old to learn how to use new systems. Feels like this matches a pattern that Wells Fargo has exhibited the past few years of taking money from clients in made up fees.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I got an alert showing a XXXX late payment on my credit report in XXXX of 2022 from XXXX. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using XXXX. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in XXXX business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by 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 explanation
Consumer complaint received 2022-11-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2022-11-15 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: UT

Complaint narrative:
In XXXX and XXXX XXXX XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXXXXXX XXXX aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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:
My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. 

XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX 115 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and proof of debt assignment to the Collection Agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- @ ( A ) ( 1 ) 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I still have the previous complaint. I will sum it up briefly again. 
Hello, I spent over a month trying to sort this issue with the Upgrade , Inc. Their numbers on the statements do not match. I spent about 2 hours on the phone with their rep/supervisor XXXX and explained to him the problem. He should have escalated to back office, explain that we looked at XXXX or 4 months timeframe to isolate all disputes that were causing the confusion. We calculated all my payments, interest accrued during those 4 months, it created shortage of {$1200.00}. After that we deducted the 2 deposits to XXXX ( XXXX and XXXX ) and there is still around XXXX short. I called later and was practically blown off by other reps including rude XXXX XXXX who hung up on me, and then XXXX who basically stonewalled me. He said everything is correct. I asked him to either connect me to the the department who does the review, and he refused that. I asked him then to forward my email with explanation to that department and to forward back to me their response- he refused that too. Their statements are designed to be impossible to understand a thing, and I am a XXXXXXXX XXXX XXXX XXXX XXXX Their customer service is just as bad, and company acts as a fraud. I borrowed close to $ XXXX from them across XXXX accounts, and never was late while paid off almost all I owe, and for that I get such treatment. 
HERE IS THE ASK : PLEASE PROVIDE ME WITH DETAILED CALCULATION OF EACH TRANSACTION RELATED CHARGE, TRANSACTIONS LIST AND EVERYTHING ELSE THAT IMPACTS THE BALANCE INCLUDING THE INTEREST FROM XX/XX/XXXX TILL XX/XX/XXXX. YOU MUST ACOMODATE YOUR CLIENT AND EXPLAIN HOW YOU CHARGED ME AND FOR WHAT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have Mr Cooper and they just charged me with lapse in insurance after they refused to accept my new issurance and failed to tell me that. I thought I had the insurance paid and they sent the payment to the old insurance company knowing I was switching. They claimed they didn't get the notice from myself OR the cancelation from XXXX. They asked that is be faxed to them in XX/XX/XXXX when I called them. They failed to put this oversight in the system the fist time and now a year later it is corrected as though they had it thus whole time. That is the convience of working there and aand being able to back date. Things. Thank XXXX nothing happened to where I needed to file a claim but that could have been a disaster. Mr Cooper was negligent and when I called and asked what was the letters for I told them I had insurance. They canceled the letters. Now when I went to renew I find out it was NEVER in effect. Now Mr Cooper is blame but I blame them too. I thought it was worked out since the time passed and they would take some responsibility with me but then it was corrected and placed back. Now my house payment is over {$2500.00} and i I OWE $ XXXX in insurance.. How is that taking responsibility? This is unfair practice. They are not taking any responsibility here. They should not handle veteran accounts as they put us in hardship. Mr. Cooper paid my old insurance company even after being notified they were no longer my insurance. They then denied the new insurance company, and failed to notify me of the denial. They will not take responsibility. They have the option to do nothing, pay the insurance coverage, cease the house, or cancel the loan. They choose to only do the lacks coverage instead of doing nothing, and refuse to take responsibility. They notified me this year when I have been disputing for years. The insurance could have been rectified long before now. They were notified by me a well as the insurance company, and chose to do nothing. I'm paying a hefty price, and they continue to do nothing. I am now getting a bill for {$5000.00} for a lap in insurance that Mr. Cooper caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CLGF Holdco 1, LLC
State: RI

Complaint narrative:
I received notification on XX/XX/22 from XXXX XXXX regarding a new Hard Inquiry on my XXXX Credit Report from CB Indigo. Knowing that I had not recently applied for any new credit, I contacted CB Indigo on XX/XX/22 at XXXX using the information from the Inquiry section of the Credit Report. I spoke with XXXX ( XXXX ) asking if a new application was submitted in my name. She confirmed there was an application submitted after I provided her with my Name, Address & Last 4 digits of SSN. I told her that I did not apply and that this was a fraudulent application and also asked her to notate as Fraud and Cancel/Withdraw the application. I also asked that the Hard Credit Inquiry be removed due to Fraud. She transferred me XXXX ( Account Manager ). I explained what had happened again and was told that they are unable to remove the Credit Inquiry and I would need to contact the Credit Bureau. 
I then went to the XXXX website ( same day ) and spoke to XXXX ( Agent ) via Chat feature and explained everything that transpired and my conversation with XXXX and XXXX at CB Indigo. XXXX confirmed the Hard Inquiry and told me that Inquiries are not able to be disputed with Credit Bureaus and they need to be removed by the Lender. He assisted with sending a notification to the Creditor stating that I didn't recognize the Inquiry to see if they would remove it with that and told me to check back a week later ( today ) and see if the Inquiry was removed. If the Inquiry was not removed ( which it has not been ), then I would need to either file a Police Report or an FTC Report. Once either of those had been filed then I would need to send it to XXXX for them to get the legal authorization to remove the Hard Inquiry. He mentioned that was the only way they can get Hard Inquiries removed. 
When I went to the FTC website to report my Issue ( Credit Reporting ), it brought me to the XXXX XXXX. 
I am really having a hard time understanding why this is such an extensive process to remove a Hard Credit Inquiry for an application that is Fraudulent. I never gave my permission nor applied for any Credit with CB Indigo. I do also have a Fraud Alert/Consumer Narrative on all 3 Credit Bureaus , so if CB Indigo did their due diligence and contacted me using the contact info provided in Consumer Narrative section on my Credit Report, I would have confirmed Fraud at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I opened a Cash App account 2 or 3 years ago and never had any issues. In XX/XX/2022, I got XXXX  in XXXX XXXX, GA. I had a roommate that stayed with me at my house in Florida. After I was XXXX, she took my car and went back down to my house, which I really didn't anticipate she would do since I wasn't there. She got into my belongings and found where I kept my account numbers and passwords. She changed the passwords and the recovery information so I was locked out of my accounts. She took around {$10000.00} from my XXXX XXXX XXXXXXXX account which has been resolved. She also took a total of {$1100.00} from my Cash App account. I was given this amount from the first representative I spoke with on XX/XX/2022. Unfortunately, I did not become aware that this had been done to me until around the latter part of XXXX, which is why I was reporting it outside of their 60 day policy of disputing a transaction. Since XX/XX/2022, I have contacted Cash App support at XXXX ( XXXX ) XXXX three other times with the representatives telling me it was being worked on. I thought this was strange because I was initially told I would hear something within 10 days and the case had up to 45 days to be resolved. They had never asked this entire time for any documentation from me ; so I asked them if it would help if I sent documentation to show what happened. They said yes, so in XX/XX/2022, I uploaded documentation to prove my story. I had to send it twice as they said they did not receive it the first time. Finally, on XX/XX/2022, I was told the case had been denied but I never received anything in regards to this via my email. I believe they are trying to string me along hoping I will just give up and go away. I only want my money reimbursed to me. I thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX-Balance {$660.00} XXXX  XXXXBalance : {$7900.00} XXXX XXXX -Balance XXXX {$5500.00} XXXXDate Opened : XX/XX/XXXX : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date Opened : 07/01/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief