vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received a notice on my credit report about this debt from a collection agency hired by XXXX XXXX last year. This debt is a billing error that is the fault of the medical Providers office. I have made them ( the XXXX XXXX ) aware, my Medical Insurance which was billed incorrectly and also XXXX XXXX yet they continued and took this to collections. 

This amount is not my responsibility and this same account was able to removed from my XXXX credit report, but not XXXX and Im waiting on the results from a dispute with XXXX. 

XXXX XXXX should work with the billing error at the medical office and correctly bill the right insurance. I do not owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
Chase Bank extended an offer to its credit card holders a promotional benefit in the amount of a {$10.00} credit for purchases made at XXXX when using a registered Chase credit card. Provided here is the link to Chase XXXX XXXX 's announcement : https : //media.chase.com/news/chase-and-gopuff-partner-to-give-cardmembers-new-benefits I followed the requirements, namely using an eligible Chase credit card, and made a purchase at XXXX on XX/XX/XXXX and XX/XX/XXXX using my Chase Sapphire Reserve credit card. 

I called Chase on XX/XX/XXXX to inquire about receiving my statement credits and was told I could expect to hear back within 5 business days. I did not receive a reply, so I called again this morning and was informed that due to a company name change ( from XXXX to XXXX ) I am not eligible to receive the credits. I do not understand what a company name change - something of which I have no control over - should somehow make me ineligible for a statement credit, especially given the fact that I followed all the requirements as listed on Chase Bank 's own website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OK

Complaint narrative:
I took out 8 different loans with XXXX. The loan is being serviced by American Education Services ( AES ) all with variable interest rates. The lending institution changes the rates whenever they wish and I have no say over it. 
I am trying to do a final payoff but have requested a copy of my promissory notes in order to see how much I requested, what was disbursed, and how the interest rates changed throughout the history of the loan before I make the final payoff. 
They have not sent me a copy of my original application nor a breakdown of interest rates throughout the history of the loans. 
They have only sent me what they disbursed, which does not seem accurate, and what I have paid in interest but not showed what the actual interest rate is. 
This is so frustrating because in the meantime my principal and interest amounts keep going up everyday. 
This is horrible customer service and a horrible lending institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo contact me by mail stating there has been a class action lawsuit already closed and they decided to audit accounts. During this first audit they review my account and determined the interested has been misapplied and issued a return check. I requested records and was never provided them in any format. I cashed first check. Months later another check with same explanation arrives, now totaling over XXXX. 
I filed complaint requesting records with misapplied interest payments/original bank records be provided along with reconciliations documents and audit findings. My available records where changed showing nothing incorrect or misapplied. They denied my request claiming that per their records no such actions of mis applied interest where ever made by Wells Fargo. After that Wells Fargo sent another letter requesting for me to cash XXXX check AGAIN. They stated via during first checks mail that there was interest made by Wells Fargo holding my monies in accounts other than mine and they additionally wanted to return that amount too. I filed another complaint requesting records. I was told by Managers that per the now available records and past statements they all show changed and correct AGAIN. I filed another complaint. They altered the original transaction bank documents to appear to never misapplied interest. They committed Fraud by altering original transactions records and falsifying transaction records statements. They are refusing to provide my correct factual bank loan statements. They committed Fraud by conversion and made interest off the monies. Denied all requests for Bank records. I'm unable verify if amount provided are correct due to records being changed and withheld. Additionally there is no documentation in my account showing any issued returns or actions taken. Per my account there is no documentation of audit review making account access. Wells Fargo XXXX is even making this unviewable to representatives of the department effected and took place it self, Dealer Services. The XXXX XXXX Wells Fargo Dealer Services starting XXXX. They claimed issued stopped 2017 via mail. Unable to confirm. Bankers in branch also unable to resolve or find. Bankers in person and phone confirm records have been altered. This is pure XXXX and dishonesty of duties and obligations.

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 2022-01-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello, On XX/XX/XXXX, I transferred XXXX dollars from my bank account in XXXX XXXX XXXX XXXX to my Wells Fargo account. The money went through and was reflected on my account for 3 days. I issues a check to my landlord for the rent of XXXX dollars after my landlord claimed the check, the bank reversed my transfer and the money has not been seen since then. I have been talking to them and calling them since XX/XX/XXXX and have not received any notice or compensation. My account right now is negative and they are threatening to charge for having a negative balance due to no fault of my own. Wells Fargo lied to me saying that the fund had been taken out by me and that it was my credit union 's fault.

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 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial Inc is failing to provide and disclose the documents required pursuant to the Truth In lending act. 

Ally Financial Inc has failed to validate the debt and cease collections during the dispute.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
An online checking account was opened with TDbank using my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

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 2022-01-13 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: MI

Complaint narrative:
I have wrote to XXXX, equifax, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: DISCOVER BANK
State: FL

Complaint narrative:
My Discover Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and Discover never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed Discover or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late ClosXXXX XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2022-01-13 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XXXX of 2019 just after my grace period ended, I called my student loan provider, XXXX to learn more about re-payment plans and what option is the best for my financial situation. Based on my conversation with the XXXX Customer Service Representative, I began making monthly payments of {$400.00} which I've done consistently since my first payment in XXXX of 2019. At the time and still today I work for a qualified public service agency ( city and county government ) but was never informed of the Public Service Loan Forgiveness payment plan option which I later found out is a plan that relieves your outstanding balance after 10 years of consistent monthly payments. If I was aware of this option I would have taken it immediately. It would mean that I would have paid lower monthly payments for the last 3 years and I could have contributed those three years of payment towards the 10 year commitment required by the Public Service Loan Forgiveness program since I plan to work for the government for that duration of time. 

Additionally, I could have been saving the extra money I've been spending on my loans, as encouraged by XXXX 's Customer Service Representative, towards other living costs like food, gas to get to work and medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. 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 non-monetary relief
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
My XXXX Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and XXXX never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed XXXX or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.

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 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial Inc has forged my signature on an alleged loan agreement. Ally has failed to validate the debt or furnish the original documents with my actual signature. 
Ally has taken many illegal actions against me in regards to this forged agreement.

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank refused to follow up on complaint XXXX. CitiBank refused to provide detail regarding amount owed, fees, overcharges and accrued late fees despite several dozen attempts following the original complaint referenced above. CitiBank made no effort to contact me in any way since XX/XX/XXXX. In addition to the dozens of phone calls I went into a CitiBank office in XXXX XXXX to attempt to rectify or come to some kind of agreement in regards to the resuming payments I was unable to make, and had never failed to make, prior to the mandatory statewide shutdown in California On XX/XX/XXXX CitiBank filed a lawsuit against me for {$4700.00} in XXXX XXXX XXXX XXXX. 

I received no notification by mail, email, nor phone calls regarding a lawsuit. I was served a summons for the case 11 months after the XX/XX/XXXX lawsuit filing in XXXX of 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 2022-01-13 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: LA

Complaint narrative:
I have 4 unauthorized transactions that were processed on my card while I was hospitalized due to XXXX XXXX. 
XXXX - XX/XX/2021 - {$310.00} XXXX - XX/XX/2021 - {$100.00} XXXX  XXXX - {$160.00} & {$130.00} I have reached out to the banking institution and merchants with no luck.

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