vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: IL

Complaint narrative:
I have contacted the court and they verified that they do not report bankruptcy to you all therefore this information is not verifiable and must be removed. it's clear they do not report to you Experian, XXXX or XXXX or to any Credit Bureau for that matter therefore your Original response verifying the item with the court was either a lie or an error either way the reporting requirement Do Not Comply with FCRA and FTC laws and the be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hard inquiries on my credit report I don't recognize. 

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 non-monetary relief
Consumer complaint received 2023-01-17 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I recently learned that HYUNDAI FINANCE Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted HYUNDAI FINANCE Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

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 15 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 a account without my written instructions Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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 a account without my written instructions Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

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 2023-01-17 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: CA

Complaint narrative:
They banks allways takes money or find a way for 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 2023-01-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Today I am taking action by filing this complaint regarding my XXXX XXXX that is financed through Barclay 's bank. The first thing I noticed is that Barclay 's took over the XXXX XXXX and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT

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 2023-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter Business Service, Inc.
State: NH

Complaint narrative:
Carter Business Services is still reporting medical debt of less than {$500.00} on my credit report which is no longer supposed to be happening in 2023 ( see XXXX XXXX XXXXXXXX  ). I opened a dispute with XXXX and asked them to remove this debt in accordance with the 2023 changes in credit reporting but they did not remove it and said that the debt in the amount of {$320.00} was " verified with Cater Business Services ''. The original creditor was XXXX XXXX ( an ambulance service ).

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 2023-01-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was charged off in XXXX and they just charged it off again in XX/XX/XXXX. Plus its a charged off with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal 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
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal 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 explanation
Consumer complaint received 2023-01-17 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: Credit Karma, LLC
State: MS

Complaint narrative:
MULTIPLE TIMES from XXXX I received pre approved credit card ads from creditkarma.com. XX/XX/XXXX and XX/XX/XXXX being the last times it has happened to me. Probably happened another XXXX or 3 times before this as well. So I end up not getting cards or the offer being way way less than said pre approved amount. XXXX This destroyed my credit with their lies. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank Checking account holder encountered several fraudulent transactions from XX/XX/XXXX to XX/XX/XXXX. This was brought to the attention of the bankers at the Chase Bank Branch in XXXX XXXXXXXX XXXX  on or around XXXX XXXX XXXX Included in these transactions were seven fraudulent new check book printing requests made with seven separate fraudulent charges of {$41.00} for each fraudulent transaction made on the account. The account was frozen for debits at the request of the account holder, pending credits to be claimed for the seven fraudulent {$41.00} transactions. Since the time of the first request, account holder has been to the branch three times, interacting with XXXX XXXX and XXXX XXXX on three separate occasions, spending several hours during each visit. Account holder was promised a credit, but to date, i.e. XX/XX/XXXX, no credit for the fraudulent transactions allowed by the bank has been given. In this period, on XX/XX/XXXX, Chase Bank unilaterally, and without authorization from the account holder, closed the said account and sent a check for the proceeds in the account without giving credit to account holder for the seven fraudulent transactions. Account holder is asking : a ) Why was account closed without authorization? b ) Why was credit for fraudulent transactions not given when it was due to oversight on the part of Chase Bank? c ) Why was claim not submitted by Chase Bank to get a credit for the seven fraudulent transactions amounting to {$290.00} ( XXXX X XXXX ) in spite of account holder interacting with Chase Banker XXXX and XXXX XXXX on three separate occasions? Kindly help me get a credit for the said seven fraudulent transactions amounting to {$290.00}, and make me whole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX theys try to take my home in i take the attorneys from XXXX XXXX they help me the lawyers but the take all my money from XXXX to XXXX i {$1.00} in they put new balance on my house they refinance but the bank put new balance i pay o most XXXX XXXX dollars in theys never give to me back my money i pay before

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scratch Services, Inc.
State: MA

Complaint narrative:
Received a letter in the mail from Scratch Services LLC XXXX XXXX XXXX XXXX XXXX CA telling me I have defaulted on a XXXX loan issued to me under the XXXX. I never had such a loan, never got XXXX, don't have a business. The letter says they have previously tried to contact me to pay XXXX XXXX XXXX  {$19000.00}. I have never heard of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I have been trying to cancel Lexington Law since XX/XX/ when I realized the payment was not what i discussed with customer service on the phone. I have paid a total of {$710.00} since with absolutely no luck in cancelling. 

Their online chat/text program does not work at all and I never receive a response. I have mailed a total of 8 signed letters to John C. Heath , Attorney at Law , PLLC, d/b/a Lexington Law Firm, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX with no response. I have also called customer service several times and they tell me the service is cancelled, however, i continue to be billed every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed that there were 3 wire transfers out of my checking account to an unknown person named XXXX XXXX. With no knowledge of this person or any reason why money would be transferred out of my account, I immediately contacted Navy Federal 's customer service line, where representatives assisted me in filing a fraud claim over the phone, signing a fraud affidavit, contacting local law enforcement, and closing my compromised account. 

However, since XX/XX/XXXX, the only communication from Navy Federal has been the detail-less denial of my claim without any evidence or consideration. I have been repeatedly stonewalled by customer service representatives that do not who to refer me to, if anyone, where I seek information to properly get my money back. I have only received two communications -- one denying my claim without any context, and another denying my appeal without any context. Navy Federal Credit Union, its fraud team, and its customer service staff have been negligent in properly investigating the loss of my money in a fraudulent transfer, and have not helped whatsoever in the investigation by XXXX XXXX Police Department, nor forwarding any information that may assist me. 

Navy Federal Credit Union has all the information necessary to approve of my fraud claim and forward information to law enforcement in order to stop this fraudulent activity, and has clearly no respect for their customers. They have the banking information of my old bank account, including the time, date and account number of the fraudulent transfers, but I am getting detail-less denials that there was any wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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:
See Attachment I have Disputed the inaccurate information with XXXX, EQUIFAX, XXXX and they have failed to uphold their duty. 
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 USC 1681.

15 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 a account without my written instructions 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-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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See Attachment I have Disputed the inaccurate information with XXXX, XXXX, EXPERIAN and they have failed to uphold their duty. 
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 USC 1681.

15 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 a account without my written instructions 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-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
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
My CD account at Marcus Goldman Sachs reached maturity last week, I did let them know in advance, in writing/on their website, that I no longer wanted the funds to be there, Instead, I wanted the funds to be transferred to another financial institution, XXXX  XXXX to be precise, which happens to be linked to Marcus already XXXX for the purpose of transferring moneys. 

Marcus GS is not transferring the money in a timely fashion as they were supposed to, and now I am wasting time trying to contact them, and also wasting the interest money that I could be making at XXXX XXXX. Today I called again, after chatting online with no results, I asked to speak to a supervisor and the line was " mysteriously '' disconnected. I tried again later and the same story! 

I think their whole approach at Marcus GS is rather irresponsible and careless, not to mention unprofessional and unethical! 

Whenever I call Marcus I usually have to wait for a while to talk to an agent, and then when I finally do, no one there seems to know exactly why they are delaying a simple transaction that should have been done relatively quickly. Security is not and issue, to make sure of it, I contacted XXXX XXXX  today, and they assured me everything is and has been in order for them to receive the funds from Marcus GS. 

Feel free to ask any questions you'd deem suitable to resolve my case. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened up a checking and savings account. I had to transfer XXXX every first of the month. If not i was charged a fee. I was also charged a fee for not using my debit card 10 times in a month. But i would pay bills and use my card online just not in a actual store. And also sold our personal information without our permission

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