vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I used my financial institutions bill pay to issue the following payments : Check # XXXX = $ XXXX Check # XXXX = $ XXXX Check # XXXX = $ XXXX All checks were cashed by TD bank on XX/XX/XXXX however only one payment of {$1000.00} is showing on my account with an incorrect payment date of XX/XX/XXXX. I contacted the bank and let them know that they had made an error regarding the application of payments to my account. However, they said that they were unable to change my payment date. Because interest is calculated daily on my loan, this equates to theft and has allowed them to charge above and beyond what I owe. I have already emailed them copies of the checks and they still have misapplied 1 payment and still have not applied 2 others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NY

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of 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 explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have contacted Wells Fargo Boards Communications several times regarding an overdraft charge on my account. XX/XX/2022 I notice the overdraft and immediately emailed them stating that I notice the overdraft charge and that there shouldn't be one because I am a federally protected consumer and this account is FDIC insured in the amount of XXXX which covers all deposit and transaction so why is my account in the negative? Not only have they failed to properly handle this issue but my account is as of today XX/XX/2022 still reflecting a negative balance so what are they using the insurance for? If there not using for accounts purposes.

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 2022-10-31 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2022 I logged into the Chase Ultimate Rewards portal and saw an offer for a 30 % bonus to transfer points to XXXX XXXX XXXX, advertised as follows : 30 % Bonus Points Limited Time Offer! 
Get your Bonus XXXX Points today Limited time offer : Get 30 % Bonus XXXX Points when you transfer points through XXXX XXXX  on XX/XX/2022. 

Upon completing my transaction to transfer XXXX points, I noticed I did not receive the 30 % bonus. I then contacted Chase Support and found out the offer does not BEGIN until XX/XX/2022 at XXXX XXXX  and thats why I did not get the bonus. This is clearly FALSE ADVERTISING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX  XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, 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 2022-10-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX SC, XXXX XX/XX/XXXX Last 4 of SSN : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC, XXXX XXXX XXXX XXXX, XXXX SC, XXXX Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employment : XXXX Local Account History : XXXX XXXX XXXX, acct # : XXXX XXXX, acct # : XXXX XXXX XXXX, acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX XXXX XXXX acct XXXX : XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I went to the dentist for a cleaning. They said I needed their version of XXXXXXXX, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: SC

Complaint narrative:
Received a letter from Comerica Bank about an open checking account on XX/XX/XXXX. Called Comerica Bank, spoke with representative indicated I did not open the account. Informed the account was caught by the fraud department. Account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/31 at approximately XXXX XXXX, I called Hyundai Finance Motors to make a payment on my past-due loan. I informed the representative that I only had {$500.00} to pay toward the XXXX past-due balance. I requested a late fee waiver, as the amount being asked was {$560.00} and I had just paid {$1000.00} a couple of weeks prior, and my funds were limited. The representative proceeded to tell me that Hyundai does not waive fees and I would need to pay the amount requested in order to stop collection calls. I asked the representative, why didn't Hyundai have a fee waiver request available for their consumers to allow them to get caught up on their past due amount when efforts are being made to bring the account current. The representative proceeded to tell me that my past-due account is my fault and why should they waive my late fee because I fell behind. I told the representative that she was in violation of the FDCPA and that I would report her for abuse. I then requested to speak to another representative to proceed to make my payment. The representative told me to report her and hung up in my face. I called back to make my payment and also to request the name of the representative. I was only given the name XXXX, no extension was provided. The new representative did, in fact, request a fee waiver ; so not only was the previous representative abusive, but she also provided false information regarding my 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 explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I received an email from my XXXX  career fair for a job listing that is supposed to help me make {$500.00} a week so that I can stand up on my feet while doing XXXX. Anyway, I talked to the person indicated in the email for further action. This person emailed me 2 checks and asked me to Wire money and send the XXXX amount to the person who's supposed to get the job done. I DID NOT WIRE OR SEND ANY MONEY UNTIL THE CHECKS WERE SETTLED AND CLEARED IN MY BANK ACCOUNT. THEN AFTER 22 DAYS XXXX Wells Fargo REVERSED THEESE 2 CHECKS. I filed a claim when I saw the checks revision and on XX/XX/2022, I received a letter saying " YOUR INQUIRY IS DENIED ''. I have been suffering financially and emotionally since Wells Fargo REVERSED THEESE 2 CHECKS. I have never seen a bank in history takes 21-22 days to validate the creditor bank account. I am a XXXX. I live on XXXX XXXX XXXX XXXX XXXX, and Wells Fargo doing that to 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 explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient took way more money out of my account than authorized and never issued my refund. I have been constantly calling them and sending them my bank statements to get this resolved, however they continuously give me the run around and each rep provides me with different information and different steps to take. I have submitted bank statements twice that reflect I have never received the refund. 

I believe they are engaging in unfair and deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was informed by agents of three separate accounts that a third-party company that I had no idea or contract with had attempted to make payments on my behalf. All those payments were returned by the bank because they were not authorized by me. These banks then close/shut my account with no explanation whatsoever. 


I am a senior with fixed income and used these credit cards till they were closed. The closure of the accounts has really stressed me and put a strain on my finances. I did not authorize anyone nor any company to make payments on my behalf. The creditor refuses to re-open the account leaving me with very few options to live by.

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 2022-10-31 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from 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 explanation
Consumer complaint received 2022-10-31 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: TX

Complaint narrative:
I have a account with chase XXXX  Bank I paid my car payment will XXXX XXXX with a check and it went threw on XX/XX/2022 with a check. The check was returned back to XXXX XXXX on XXXX XXXX which on the XXXX, of XXXX the funds were there. And also XXXX XXXX I made a payment to XXXX XXXX  today for the amount of XXXX XXXX XXXX XXXX dollars which is the payment every month my payment keep getting reversed the money is in the account after I made the payment XXXX XXXX XXXX I called XXXX XXXX the payment went threw. I was in the branch chase XXXX Bank XXXX XXXX and I asked did they see the payment for today they said yes my balance was XXXX XXXX and some dollars. I also was replying to XXXX XXXX  statements stating they sent the payment to chase XXXX Bank and there was a return check the agent from chase XXXX Bank stated they never received a check from crescent bank the agent from chase XXXX Bank also stated if XXXX XXXX even tried to send a payment the can see it on my account there no transaction for a check coming in said the agent from chase XXXX  Bank. XXXX XXXX  has stated they have sent the check to chase XXXX Bank and also I went threw as a payment when XXXX favors made the original payment again they have reversed another payment for today XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America claim XXXX On XX/XX/2022, I was charged a fee of XXXX plus XXXX international fee. I was not in the state of XXXX  in the month of XXXX. My checking out was charged that amount and i had my Debit card in possession at the time. Bank of America than did a Temporary adjustment of XXXX and a claim was opened. In the month of XXXX i received a letter that my claim was denied and as of now the claim is closed and they have placed a debit hold of XXXX again. I am the only card holder and have never authorized anyone to use my debit cards. Fraud has been done by that person and Bank of America is not helping me at all.

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 2022-10-31 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: GA

Complaint narrative:
I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated.

15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
hello, to whom it may concern, this is an urgent matter regarding the my mortgage lender PENNYMAC lying about my loan modification request. 
At the beginning of XXXX PENNY MAC confirmed my mortgage was under review for a loan modification and now i found out they went behind my back and sold the property thru a foreclosure sale date with zero notice to my family. 

please help since PENNYMAC keeps lying about the status of my home, last conversation with PENNYMAC they told me they were going to review my application for a loan modification. 
which i knew they were lying. 

As of today received a call from a the lenders lawyer telling me i need to get out of the house immediately otherwise they will be calling the sheriff since the property was sold with no notice. 
please help me since i have a family and we have no where to go. PENNYMAC lied and tookd advantage having no where to go.

Company response to consumer: Closed with explanation