vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: DE

Complaint narrative:
I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NJ

Complaint narrative:
My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now XXXX, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or XXXX but it was recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got a amazon reward visa credit card from one of their promotion. That card belongs to chase bank. According to Chase bank 's instructions I installed chase mobile app and setup my credit card. I've set alerts about payment due date. But the app never sends payment due notifications or any form of bills. I never get any chase billing in my mailing address. Ever since I have this credit card I have to login every time to check for a due payment and need to make that payment. Not getting any bills or notifications makes keeping track of due payments so hard.

The inconvenience is, Chase is charging the Late fee on my account. Instead of correcting errors on their
end, like sending alerts, and/or sending bill on my address they are forcing me to pay the late fee.

On my behalf, I confirm that, I've a very good credit history. I've always paid all my purchase payments timely manner with all my credit card providers. I do NOT have any outstanding balance with chase either. The only amount hanging in my account is the late fee which has been generated by only their system error.

Legally, I must not held accountable for Chase 's erroneous and inconvenient alert and billing services. I request for a resolution of this issue, that is, taking off the incorrect late fee from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NV

Complaint narrative:
In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-10 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: NV

Complaint narrative:
In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXX  loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )

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 2022-03-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Thank you for once again responding with the same canned and deficient response complaint. You can contact me formally through email or address that was provided repeatedly. I will not however placate Wells Fargo with their canned phone messaging just so they can check their box for compliance auditing purposes. I'm happy to continue to use this form to communicate Wells Fargo 's continued predatory lending atrocities. I've clearly stated my terms of formal communication within my resolution statement, should you care to read it. I'll also break down the bone of contention for the cheap seats way up in the rafters. The so called 'Modification '' that Wells Fargo proposed was the same predatory XXXX loan that was outlawed by our judicial system steaming from the class action suit, which is why part of your multi-million settlement agreement was to review your Customers XXXXt loans and modify them so that they were no longer toxic and detrimental. In my case specifically Wells Fargo used the same XXXX adjustable rate terms and agreements, removed interest only payment options and slapped all the payment owed to date onto the back of the loan. Essentially all you did is remove interest only payment options and called it a modified loan. No real help other than to pony up 20k and try it again. As the saying goes XXXX me once shame on you XXXX me twice shame on me. I suggest you take real good look at what presented as keep your home modification and compare it to other step-down modifications from other premier lenders and then ask yourself did we really handle this in the best interests of all ... Let me help you, the answer is not even close. Your failed me, you failed millions of others I'm sure and most of all you've failed the brand name of Wells Fargo. I look forward to our next go-around : )

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has shutdown my account without warning back in XX/XX/XXXX since than I have had sever conversation with bank representatives and followed up without much of a fuss, but I have gotten the run around for the last 8 years of trying to resolve this issue as during that time of XXXX I was facing battling identity fraud and I have recently been able to recover a bit I have informed chase of this issue and provided any information they requested at this point I have nothing else to turn to but filing a complaint after 8 years of tackling this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MI

Complaint narrative:
On XX/XX/XXXX I received an email starting there was a change in my Transunion XXXX XXXX. I processed to go to my credit report to find that someone used my name and inaccurate information putting my Excellent Transunion score to drop a XXXX points putting it in the fair score. On the report was a complaint to Transunion that I was behind XXXX payments on a loan. The lending Company known as XXXX XXXX XXXX loan someone a loan using my information stating I was behind by XXXX payments to the tune of {$3600.00}. I called Transunion on XX/XX/XXXX about the issue. They told me to call the company. I called XXXX XXXX XXXX about the issue and they told me to get a police report and send it to them. On XX/XX/XXXX I got a police report and sent it to XXXX own leasing company. After talking to a XXXX and going over all the information, the rep. Acknowledge the information was incorrect. I have freeze and fraud alerts on my third credit reporting agencies which didnt work for me. Come to find out their a company that doesnt use credit reports for a criteria to get a loan. So after XXXX missed payment they report it to Transunion which then harmed my credit standing. After not hearing anything I called XXXX XXXX XXXXXXXX on XX/XX/XXXX for a follow up. They told me they would email me everything and never did that. I want that to be removed from my credit report as they potentially could harm me if I needed a loan. It needs to be taken off immediately, not XX/XX/45 days later. Im ready to seek legal action against the company and Transunion. Can you help 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 non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On dates, XX/XX/XXXX, and XXXX XXXX I made purchases of {$860.00} and {$1200.00}, respectively on XXXX XXXX XXXX I was given an estimate of about a month for the order to be completed and on XX/XX/XXXX, I made my first contact with the merchant to inquiry about the order. The merchant failed to respond. I then reached out again on XX/XX/XXXX, again the merchant failed to respond. Again I reached out on XX/XX/XXXX, this time the merchant responded but failed to provide an update on the order. Finally, on XX/XX/XXXX, I requested a refund from the merchant, which was approved. After two weeks on XX/XX/XXXX, I reached out to the merchant again due to issues with receiving my refund, we then agreed to escalate the issue to my bank. After that correspondence on XX/XX/XXXX, I have been dealing with my bank. On XX/XX/XXXX, I filed a dispute with Chime support for a failed refund. I spoke to an agent on the phone and explicitly stated that I received permission from my seller to accept a refund and that I had not received any goods/services. The dispute was filed and I waited until XX/XX/XXXX when I received an update that my claim was declined. I called my bank and spoke to an agent and they told me that they found in the investigation, evidence of the transaction and receipt of the goods. After hearing this, I got off the phone with them and called the original merchant, and he promised he did not do anything of the sort. I reached out to Chime for the documents they found in their investigation and was shocked to find they found no additional information, and their resolution was reached completely unfairly. On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX against Chime, citing the wrongful handling of my dispute. I attached screenshots of my correspondences with the seller dating back to XX/XX/XXXX, but again they claimed the case was handled correctly but I could formally reopen my dispute. On XX/XX/XXXX, I moved again to reopen my dispute with Chime, but they quickly declined again on XX/XX/XXXX. Although I had additional evidence in my dispute, Chime again had no further evidence and rejected my claim with zero basis. I reached out again for the documents they used in their second investigation, but still to this day XX/XX/XXXX, they have failed to return my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. XXXX were joint accounts that my niece and I had opened in XXXX, which Im the primary signer. The third account is a separate savings account that I opened on my own in XXXX ; which was closed as well. Unfortunately my niece and I ended up being victims of fraud in XX/XX/XXXX. My niece was attempting to sell a vehicle she posted online and the person interested in buying was in XXXX at the moment, he said he was going to send the money using online transfer, but without our knowledge he went to an ATM and deposited XXXX checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted us because he said that he made a mistake and sent too much money. We returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX  XXXX in XXXX XXXX, and also with Zelle. Shortly after the Bank contacted us by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX  XXXX XXXX took immediate actions by closing our accounts and reporting us to XXXX Consumer Reporting agencies, these are : XXXX XXXX and Early WarningXXXX I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now XXXX years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as XXXX XXXX. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now Aidvantage, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or Aidvantage but it was recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We leased a vehicle out of Mississippi in XXXX of XXXX. Due to COVID, my daughter moved to home to Minnesota and re-registered the vehicle there. As a result of registering in a new state, there was tax to be paid. Honda Lease Financial assessed the fee up front in the amount of {$540.00}, on XX/XX/XXXX. When we inquired, we were advised that we pay them and they pay Minnesota XXXX XXXX department. We made the payment to Honda on XX/XX/XXXX. We later were advised by Minnesota that they never received that payment from XXXX. We have since contacted XXXX XXXX... and they have not corrected the problem. As a result, Minnesota is holding title to the vehicle and will not release it. Every time I call XXXX they claim they can't get ahold of anyone in Minnesota. There are several issues here. XXXX, XXXX collected payment and did not apply them as they were required. XXXX, they havent corrected the problem in 21 months, despite my repeated efforts to get them to do something, nor have they returned us our money, nor do they follow up with us when they say they will handle the situation. Lastly, they are aware we intend to purchase the vehicle, yet we can't do so with the title held up. What happens in XXXX when the lease is XXXX? Will this prevent us from the purchase and our investment is then lost???????? Exceptionally poor business practice and fraudulent use of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

Complaint narrative:
additional information for original complaint # XXXX. 

Company received ( USPS return receipt tracking # XXXX ) my letter on XX/XX/2022. It has been over 30 days and company has not responded. 

I have not received written correspondence of my permanent file deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MA

Complaint narrative:
I received a credit alert on my credit report on XXXX saying I owe a company " XXXX XXXX XXXX '' {$1200.00}. which was reported to Experian from XXXX XXXX  in Tennessee. 

I never received anything from " XXXX XXXX  '' about this delinquent bill. No dunning notices or phone calls. This alone is a clear violation of the FDCPA allowing me up to 30 days to dispute account. 

First, this is NOT my bill! Second, when I called this company they asked if my birthday is XXXX. That was my deceased father 's birthday. 

I have never signed any agreements or done business with this XXXX XXXX XXXX. This is something my dad had. 

I have had PERFECT credit for over 30 years. Never once delinquent on any thing. In one clean swoop this collection agency took my credit from excellent to good and within 24 hours. 

I can only think that the reason how this company got my address is that since he passed away all his mail is being forwarded to me. On top of that, I was born in XXXX NOT XXXX. 

To assume they had the right person, BEFORE listing the account with credit bureaus, they should have done a better investigation instead of just ruining my credit. 

I opened a dispute with Experian and they came back with a response that through their process and contacting XXXX XXXX, the bill is valid and will remain on 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