vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
According to a rep with XXXX corporate office, XXXX, Wells Fargo sent them instructions to send any remaining funds in accounts to them as part of a fraud claim amount of {$690.00} ... .Remaining funds in XXXX accounts were sent in amount of {$140.00}, however, according to numerous Wells Fargo reps including a XXXX XXXX XXXX Wells Fargo does not accept partial payments including the amount of XXXX Ty advised to have instructions changed with Wells Fargo so payment can be issued to myself, I believe. XXXX can be reached at 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 2022-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NC

Complaint narrative:
On XXXX the XXXX, 2022, I purchased a king mattress set a dresser, rug, and washer and dryer from XXXX XXXX, XXXX, NC. American First Finance has predatory lending practices. My credit report has a charge of {$11000.00}. There is no way that little bit of stuff cost that much. The store did not explain to me that that if it wasn't paid i would be charged {$12000.00} for that stuff because if they did I would not have purchased it. That is an astronomical amount to take from a XXXX veteran. I called the American Finance Company and discussed it and told them that I will be contacting your organization and they quickly wanted to offer me a settlement. Their phone customer service said I owe {$1700.00} and my credit report says I owe $ XXXXand the website say {$1600.00}. This company is taking advantage of consumers and it is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
The XXXX credit card financed by synchrony was opened by me XX/XX/XXXX. The account was closed by synchrony in XX/XX/XXXX. I received notice of the closure from a credit monitoring service. I never received notice from the financial company. 

I called synchrony on XX/XX/XXXX. They confirmed that the account was closed with a XXXX balance. When asked why they closed the account it was due to inactivity. When I asked why wasnt I notified of the closure the representative stated that they didnt have a letter for this scenario. 

I was planning on using the account to purchase furniture but hadnt been able to decide on what I wanted and the store near was not taking appointments due to a store remodel. Closing the account without knowledge would mean that I would have to reapply for an account which would adversely impact my credit score.

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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I've had an account with Best Buy ( Citibank ) for over 24 months. I have NEVER been late, always paid on time. On XX/XX/2022 I noticed a late mark on my credit report and I immediately called Best Buy. I explained to them that I had a fraud alert on my card ( someone was taking money out of my bank ) and I cancelled that account. I told the agent I had NEVER been late and if they could please remove that late mark as it had DESTROYED my credit score. She said " Yes of course, we'll go ahead and DELETE this late mark right now and you should see no late mark on your report in 30-60 days with our updates '' I said thanks and patiently waited for 30 days .... nothing ... then 60 days... still nothing. I called again late XX/XX/2022 and spoke to another agent and explained the situation. He said " Oh yes I do see that it will be removed in the next 2 days. It looks like you called a few days before the 60 day mark so by XXXX it will be REMOVED '' I said okay great thanks and patiently waited. Fast forward to XX/XX/XXXX, still NO UPDATES..so I called for the 3rd time and spoke to an agent that said " No we do not do credit updates and will never do that so I apologize for the wrong info. Theres nothing that we can do '' SERIOUSLY?!?! I am so frustrated with Best Buy ( Citibank ) on this. I NEED SOMEONE TO FIX THIS ERROR. You guys just let your agents LIE to your customers?!?!

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 2022-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a customer of Chase and my credit card was used for charges without my knowledge or permission. I received a call from a guy working for XXXX asking me to renew my subscription I had with them. I agreed to renew my subscription with them and my card was going to be charged for {$1.00} to get this started. I only agreed to this charge of {$1.00} for XXXX, I did not authorize this person to use my card information to make purchases at XXXX for {$850.00}, XXXX {$7500.00}, XXXX {$10.00}, XXXX {$810.00}, and another XXXX charge of {$40.00}. I only agreed to being charged for XXXX at the price of {$1.00}. I am a victim of fraud on my credit card, I want Chase to do another dispute for this and refund the money for the charges listed above. All of these charges happened between XX/XX/2022 through XX/XX/2022. I did not ask for these items, I did receive these items and I had no knowledge this was happening until I saw my statement for the month. Chase also promises in their terms and conditions that customers are not held responsible for fraud charges if they are notified within a timely manor, I did notify Chase of these fraud charges within the time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: CA

Complaint narrative:
According to the fair credit act XXXX  Account # XXXX, Have violated my right. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section States I have the right to privacy 15 USC 1681 section 604 Section 2 : it also states A consumer Recording agency Can not Furnish a account without my written signature 15 USC 1666B : A creditor may not treat any payment on a credit card Account under any open end Consumer plan as late on any purpose.

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 2022-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I applied for the Chase Freedom card with Chase bank. I received a call later that day asking me to call XXXX ( XXXX ) XXXX to verify my identity. I then called and verified my identity. After that point, I would frequently call their credit application status number, XXXX ( XXXX ) XXXX, and the automated voice would only say " your application is being reviewed, you will be notified of a decision within x business days ''. On XX/XX/XXXX, I called Chase customer support at XXXX ( XXXX ) XXXX and asked them if my application should have received an answer by this point. The male who answered simply said, " oh yes they definitely should be getting back to you by the end of this week ''. I waited until the end of the week and received no response. On XX/XX/XXXX, I started calling multiple Chase customer support numbers and spoke to at least 4 different people. None of them were able to help and they all said " your application is expired since it is past the 30 days ''. I kept trying to explain that the error was not on my part, I did everything that was asked of me. None of them transferred me to someone who could help. I understand they could not help me due to the application being expired however, I was not able to speak to any supervisor that could help my situation. I can not apply for this credit card again because that would be a second inquiry on my credit within the last 60 days. I am upset that they are not able to help my situation at all considering I did everything that was asked of me and I reasonably followed up with them in the days approaching the 30-day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: FL

Complaint narrative:
On XX/XX/2022, I received a phone call from AscensionPoint Recovery, LLC at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his XXXX 's XXXX XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. AscensionPoint called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of Fla. Stat. Ann. 559.52. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have a credit account with AFFIRM. The account is verified by your mobile phone number. I got a new cellphone with a new mobile phone number. When I tried to access my account to manage my payments with the new phone number, it instructed me to submit the new number and wait for an email to verify my identity with a picture of my ID front and back. I followed the procedure and never got the email. I called 3-4 times and changed the phone number over the phone and each time, they verified my identity over the phone, took my new phone number and told me to wait for the email that would link me to send a photo of my ID. Its going on two months now, I just called again and nothing had been done, I verified my email and identity again over the phone and was told to wait another 7-10 business days. I am blocked out of my credit account. My payments are set up automatic thru my bank and I have no idea what has been paid off and the auto payments keep coming out without my access to the AFFIRM account to manage my account. I believe this is FRAUD and done deliberately so I won't be able to know where my auto payments are going and to which loan it is being applied. I am not going to wait another 7-10 business days to call again and get the same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
At the end of XXXX, there was a large amount of fraud on my XXXX  account, so we closed that account and opened a new XXXX  account, called XXXX account XXXX. I notified the bank of a few valid outstanding checks on the original XXXX account, and instructed them to process only those checks. 

On XX/XX/XXXX, two new fraudulent checks were presented to the bank on the original XXXX  account and they paid the checks. I promptly notified them : ( 1 ) that the check was fraudulent; and ( 2 ) it was not one of the approved checks I had sent them as valid. I am unable to access an image of either of these two fraudulent checks. I attach the information about the checks. 

To date they have failed to return my funds. They say they are overwhelmed with fraud claims and can not give a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX MI XXXX XXXX XXXX XXXX XXXX MI 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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm is the company. I originally secured the debt in XXXX via XXXX XXXX of $ XXXX and continued payment until XX/XX/XXXX ( last payment of {$89.00} ). I took a few years off to deal with some health issues and have recently reentered the workforce, so I didn't have much time and energy to address this. I've reached out to the company in XXXX and XXXX with no results. I even filed a dispute via XXXX and XXXX. 

Its been years and the company has now charged off the amount of {$240.00} to a predatory lender whose harassing me because the company claims they have no record of my last payment. I'd like this figured out and removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MI

Complaint narrative:
In Accordance with Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.

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 2022-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo is attempting to collect on a closed checking account number XXXX, the amount of {$190.00} I believe. This amount includes a debit card purchase dispute in amount of {$290.00} from XXXX for an item I did not receive, sent via XXXX with a forged signature. As explained in prior CFPB complaints, XXXX driver has a habit a forging signatures, leaving packages where they can be lost/stolen, item never received. XXXX accepts signature as mine, despite forged by driver.. As stated before, I do not pay for items not received, will not pay amount of {$190.00}, Wells Fargo needs to cease and desist collection attempts, remove debt from 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 2022-04-28 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: AR

Complaint narrative:
I have repeatedly contacted XXXX XXXX, TRANSUNION, XXXX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.

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 2022-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-28 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Was leasing vehicle. Purchased vehicle using financing. Was told that I didnt need to change anything from a payment perspective. Auto pay would remain. Turns out that I actually needed to set up auto pay again. Missed first payment because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is refusing to allow people to independently dispute personal information if it is associated with a collection accounts ( even when the collection account is also under dispute ). Instead of doing their job and independently fact checking like they are required to do under the Fair Reporting Act, they are telling consumers to contact collection agencies directly to have incorrect information removed.

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