vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We had our mortgage with Wells and were looking to refinance to a lower rate and 15-year Mortgage. Wells could not match the rate from another provider, so we left. About 2 or 3 weeks ago we received a call from a person from Wells mortgage office, or so they said asking about us refinancing. We said we already did. next thing i know there is a hard inquiry on my credit report form Wells. I never authorized or applied. I am disputing it. But was wondering why Wells would do that.

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 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I am having problems with receiving my refunds on payments made during the payment pause since XX/XX/XXXX. Under law I am entitled to receive any payments I made back. I never received confirmation email, and when I called back they said the request was never made. I requested once again and still never received a confirmation email. Their website does not show any change on my account as well. I made the following payments to EdFinancial : XX/XX/XXXX {$330.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$890.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$400.00} Total : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires Trans union XXXX XXXX  XXXX Bank ) XXXX XXXX XXXXXXXX XXXX Auto ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent.

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) 7XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was a customer of XXXX XXXX XXXX XXXX XXXX program, that automatically rolled over to Barclays XXXX XXXX XXXX XXXX in late XX/XX/2022. 

I received email notifications of this transfer, however I DID NOT RECEIVE MY NEW CARD, CARD MEMBER AGREEMENT, NOR ACCOUNT INFORMATION by the close of the new billing cycle on XX/XX/2022. I believe I was still able to access my account balance from Synchrony, and when I called Barclays, the tele-banker could inform me of my balance, however she could not accept payment via telephone, nor could I establish an account online without the full account number. As a result, no payment was made! 

I was assured REPEATEDLY that I would not be charged given I had not received my account information, and IN-FACT, my card was not supposed to necessarily have been received yet (! ), it was showing that the mailing window of 7-10 days had not yet been reached. 

When I was finally able to access my account, by late XXXX, there were, of course - LATE FEES AND INTEREST CHARGES. I contacted the bank, as there also appeared to be charges from unrecognizable vendors. 

By the time of my next statement ( XXXX ), no actions had been taken to resolve the original LATE FEES, nor interest charges, nor had there been any communications regarding the reversal, then re-charging of the questioned fraud I had reported. 

I wrote to the bank via their online messaging center, the issues were still not resolved, and I was told that because I had not made the payment by the due date ( no matter what had happened ) I would have to pay interest fees and late charges. 

By XXXX statement, I was fed up - I closed the account, reconciled the fraudulent charges myself, determined the balance less the late fees and interest, paid-in-full and am still waiting for the bank to reverse their charges due to THEIR ERRORS and FRAUD. 

Currently, my account is closed, all charges are paid - and now I am being charged interest only on ALL of the fees and interest DUE TO THEIR ERROR and inability to properly address the issues. 

PLEASE 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 monetary relief
Consumer complaint received 2022-10-05 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: OK

Complaint narrative:
XX/XX/2022 : I received my credit report from Experian that reflects the last 4 digits of my ss # XXXX and that's a very bad error that I thought XXXX was making. 

My legal and actual last 4 of my social security number is XXXX. 

Their error is placing me in the most uncomfortable impending unknown danger and has already harmed my social security earning record statement which is missing valid earnings that has been altered by decrease for some years of my employment reported to XXXX  tax filings prior to me living off of my social security XXXX now that I'm 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 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to JP MORGAN CHASE BANK with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX. JP MORGAN CHASE BANK received these instruments on XX/XX/2022. Respondent was given XXXX ( XXXX ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper.

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ].

Conditional Acceptance Formal Conditional Acceptance was sent to JP MORGAN CHASE BANK as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditiona
l Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by JP MORGAN CHASE BANK, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by JP MORGAN CHASE BANK XXXX XX/XX/2022, said Conditional Acceptance is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of JP MORGAN CHASE BANKs failure to cure and honor Fault places JP MORGAN CHASE BANK in Default. For the course of dealing, set forth herein, with JP MORGAN CHASE BANK failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not. 
All documents have been sent to JP Morgan Chase Bank and are too large to share in this format. They can be provided if requested by an outside party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MD

Complaint narrative:
To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX  Account Number : XXXX XXXXXXXX delete it from my credit report. 

Collection Account : XXXX XXXX Account Number : XXXX XXXXXXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2022, my PayPal account XXXX is permenently locked from all functions due to violation of user agreements, according to PayPal. I respect all decisions and rights PayPal holds, and willing to comply with the permenent account lock, even though they never reveal the reason why or which agreement. On the service phone, an agent was able to tell me that the picture of my ID submitted for identity verification is not clear enough thus triggering the system auto ban, resulting the account lock and it is the final decision without option to resubmit. Account lock info Reference ID : XXXX. PayPal also locked down my remaining balance in the account, including both settled and unsettled funds, from withdraw for 180 days. Payment remitters, like PayPal, can not legally hold any funds for more than 10 days. I need their reply on this issue and release my fund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
GOODWILL LETTER I contacted Chase Auto Finance back in XXXXXXXX XXXX XXXX. I explained my medical hardship death accident and financial hardship i spoke with a representative and explained my situation I was told no past due payments were reporting at the time. The representative gave the full balance at the time no late fees were attached to the balance. Chase applied two late fees and one miss payment to my credit report which has put me in a tremendous hardship for purchasing a home and a vehicle which I extended my lease with chase for a XXXX extension in XXXX and was granted that do to my good payment history. Chase did not contact me by phone per my request and never asked about updating my information at all. If I were notified by phone this mis payment would have never happened at all. Since then, I have sent in proof of XXXX XXXX trauma appointments, my son 's XXXX  and now my XXXX test results. I had already made arrangements with Chase Auto Finance under CARES ACT and have deferred payments moved to the end of my lease term. 

I am severely stressed and suffering from XXXX and this is keeping up at night because I have 4 months to finance another vehicle and find a place to live by XXXX with XXXX points dropped from my score from this past due payment that applied in XXXX for XXXXXXXX XXXX XXXX. 

I have asked to be contacted by phone twice via certified mail and still have not received a phone call from anyone at Chase Auto Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
AES will not permit my daughter or me to set up automatic payments because they do not have an autopay program for students who are not in repayment and are instead only paying interest. Interest payments are just as difficult to remember to make each month. AES has reported us to the credit bureaus for being days late on making small ( $ XXXX {$50.00} ) interest payment. It is customary in the industry for a legitimate loan servicer to offer ACH aka autopay on all payments due. Perhaps AES does this in order to earn fees for late payments? There are no other logical reasons why they would not offer autopay on interest only payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-10-05 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: NJ

Complaint narrative:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX Credit / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

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 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My Aunt went to XXXX XXXX XXXX firm and had an XXXX XXXX matters book formed in the event she became cognitively incapacitated. Well that is exactly what happened. I obtain ed a Lawyer : XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX. I had XXXX send all the paperwork again with my POA financial for her and She put me in her Estate Matters as her Living Trust for all her Financial matters as well. Citi bank still refuses to release her money to me and wants me to go to XXXX to sign a paper for them to release her money to me. I live in XXXX, MN. and have no one left in XXXX, Il. The paperwork is all in order and I want to send the money from Citi Bank to a shared XXXX Bank account of me and my aunt so I can keep paying her rent in the assisted living facility where she lives here in Minnesota. They even refuse to fax paperwork to my lawyer for me to sign and send back. What am I to do. I can not go to XXXX to sign a paper, besides my Aunt had her Estate Matters paperwork filled out by Lawyer XXXX XXXX in XXXX and it cost my Aunt {$800.00} to have that made up?

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 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I have initiated several transfers from XXXX XXXX XXXX from my joint banking account with Ally Bank. This has been an ongoing situation since XXXX, and I keep getting the run around from both banks. I have called several times and completed all requested inquiries to try and receive the funds back to the joint account. I have worked with over a dozen representatives at Ally bank, finally working with a lady who had directed me to file this complaint to receive the funds back. The lady at XXXX XXXX said the ACH department is doing an investigation and is not getting a response from Ally bank. I was given the following unique transaction codes from XXXX at XXXX XXXX which I then relayed over to Ally Bank, who then, in turn, keeps telling me that this is a XXXX XXXX XXXX problem. They are the ones holding the fund for {$9500.00}.

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