vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: AL

Complaint narrative:
I was charged fees even after using my debit card 10+ times a month causing my balance to drop to low levels and even overdraft 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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FEDChex Recovery, LLC
State: OR

Complaint narrative:
FCR services has either provided a false mailing address or is refusing to receive mail in order to frustrate the communication process and deny me my consumer protections under law.

They have also not informed me in communications about who they are or that they are trying to collect a debt.

This debt was also placed in my name fraudulently as a form of harassment by the original creditor. FCR services can not provide any written agreement that states I am responsible for the debt charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$24000.00} ; XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  XXXX {$13000.00} ;

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 2023-01-26 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX And Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$13000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
have XXXX Ally bank cd IRA accounts.! acct ira cd closes on XX/XX/XXXX and the other IRA CD closes on XX/XX/XXXX. I sent in the forms to close the IRA accts and transfer to my Ally savings acct on those dates. I mailed the forms on XX/XX/XXXX. I called starting XXXX  day ago to make sure they rec 'd the forms. Hold times are over XXXX hour. I just called and the wait time in XXXX hour and XXXX minutes. I chated with somebody after waiting XXXX hour to chat and he told me the forms are not viewable because they probably are in a batch waiting for the closing dates of XX/XX/XXXX and XXXX. This is totally unacceptable. its a gamble to see if my accts are closed? What kind of outfit is this? The chat rep gives me a phone # and it's the same # that has a XXXX hour XXXX minute hold time. Im talking over XXXX that I want out and they can not answer my question if they got the forms. I do not want this renewed ... The customer service is the worst I have ever seen.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/2023 I went to Wells Fargo on XXXX XXXX here in XXXX Alabama, I had construction workers at my home wanting their pay for services they provided to my home. I went into the bank to cash my insurance check of less than XXXX dollars, I presented the chech asked to cash it, endorsed the check, and after waiting forabout 5 minutes the teller came back to me and said that they can not cash my check, when asked why she just said, that i could deposit it and they would have to hold it for several days, I then asked why, when the check was from Alabama and also cashier check from a local bank right here in XXXX, Alabama, she went on to say, that the bank will not cash my check due to the way I handle my account. She walked off and refused to explain it, soI was upset and asked to speak with the bank manager, the bank clerk at the desk told me that the managers were in a meeting and it would be hours before they got out. With everyone looking at me as if I had committed a crime, in shame, I walked out of the bank. As I reach the step with tears in my eyes I somehow XXXX XXXX XXXX. The emotional pain was truly overwhelming. I called the cooperate office and mad a complaint. The claim number is XXXX, On today i call and spoke with a young man and i was told that they sent me a letter of apology through my email, which I still have not received. I was unable to walk due to swelling of my ankle, and the fact that this is not the first time my a check was held for no reason and issues of transaction overdrafts for no earthly reason, I feel that Wells Fargo acted out disregard for me as a customer and used racist tactics to not honor my check. I should be compensated for my pain, embarrassment, and violation of my banking contract

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 2023-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
Company : .Gm Financial Address : XXXX XXXX XXXX City/ State/ Zip : XXXX XXXX  XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute XXXX XXXX XXXX ACCT # : XXXX. 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: IL

Complaint narrative:
Im a victim of Equifax data breach an I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Ive reached out to the credit bureaus to resolve the situation but they still failed to remove the fraudulent inquiries witch is listed as ; XXXX 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 2023-01-26 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: NV

Complaint narrative:
Equifax resinserted inquiries and a address that was removed from my equifax credit report over 1 year ago. Equifax reinserted the inquiries and the address even after the data breach. Per FCRA laws equifax was supposed to inform me within 5 days of the reinsertion along with documentation that confirms why the inquiries was reinserted. I filed a dispute directly with equifax concerning the inquries and Equifax did not bother to reinvestigate. The same day I disputed the inquiries equifax sent me the same pre-ready response saying " verified ''. I filed a complaint with FTC and sent the report usps certified mail to eqiufax. The address that was removed eas : XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. That address does not even show on XXXX XXXX file. I sent equifax a copy of that a while ago. I have attached the FTC report to this complaint. This has caused me to be turned down for increases and credit with XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Payment for XXXX of XXXX was never late This needs to be corrected. Remove this from my credit report. Reported to XXXX, Transunion, and XXXX. Please remove this 30 day late payment from all three reports, is it was never late

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 2023-01-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX for XXXX of XXXX  was never late This needs to be corrected. Remove this from my credit report. Reported to XXXX, XXXX, and Equifax. Please remove this 30 day late payment from all three reports, is it was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Self Financial Inc.
State: LA

Complaint narrative:
Creditors are in direct violation of 15 U.S. Code 1666b & section 1637 ( b ) because they I was never mailed or delivered 21 days before any due date the information regarding the due date of my payments before they added late payments to my credit report. They need to remove these late payments or I will pursue arbitration for violating federal consumer laws. Law states no creditor may treat a payment late unless they send a mailed or deliver information required by section 1637 ( b ) 12 ) Requirements relating to late payment deadlines and penalties. 
( A ) Late payment deadline required to be disclosed. 
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( XXXX, XXXX, TransUnion ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( XXXX, XXXX, TransUnion ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All XXXX CRA 's ( XXXX, XXXX, TransUnion are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.

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 2023-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( Equifax, XXXX, XXXX ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( Equifax, XXXX, XXXX ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All 3 CRA 's ( XXXX, Equifax, XXXX are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase customer since XXXX. They are my major depositing bank for my personal account and business accounts. I have XXXX personal credit cards and a business card with them. As many, I got laid off just before the pandemic and decided to open up a business in XXXX however the next year the world shut.. So we used are credit cards to survive. Business is getting up to speed and growing. Throughout the whole pandemic, I have struggled with some of my creditors HOWEVER has ALWAYS paid Chase due to my longstanding relationship with them ( sometimes at the detriment of paying others )! 


Today, XX/XX/XXXX I was reviewing my personal Chase accounts and notice that my XXXX XXXX XXXX ending in XXXX has {$0.00} available credit ( which I deemed odd since I recently saw it has credit available and I had just also made a payment on XX/XX/XXXX and was Current! ) Then I notice the same with my XXXX card ending in XXXX? 

I called Chase credit card customer service and was transferred to a XXXX at XXXX XXXX  @ XXXX XXXX on XX/XX/XXXX. XXXX reviewed my account and said that due to the high balances on my cards and some negative items on my recent credit, Chase is shutting down my XXXX cards. I explained that despite the financial struggles, despite the pandemic, I have " Continued to make my payments on time and was late of recent but made my payment to catch up within less than 30 days.. This was due to my XXXX XXXX relationship with Chase ''. He said it didn't matter and provided me with an non-sensical example of " if I lent you {$500.00}, I should expect to get paid the {$500.00} in a reasonable amount of time '' to which I responded " no, because that's a loan which implies a fix timeframe, we're talking about Revolving Credit which doesn't have to be paid off and the bank make MORE MONEY if I don't ever pay it off ''! 

The bottom line is that I feel that by Chase taking this arbitrary act against me because " I owe and been behind with OTHER banks '' that has not only limited me on credit but WILL CAUSE A NEGATIVE CREDIT IMPACT THAT DIDN'T HAVE TO BE THERE SINCE I CONTINUOUSLY PAID THEM!!! 

I am requesting your assistance in requesting that Chase Reconsider this act and prevent them from putting a negative " Account Closed by Creditor '' on my credit report. 

If I were negligent in my responsibility to Chase then they can take action to shut my down and affect my credit.. but this act will put an unwarranted Blemish on my credit with a creditor that I am maintaining a good standing and have done nothing wrong but KEEP PAYING THEM HIGH INTEREST CHARGES! 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ACS Education Services
State: VA

Complaint narrative:
XXXX.of XXXX XXXX XXXXXXXX XXXX  's federal student aid office ordered federal student aid loans without my consent nor the privacy act laws which is a act of invasion to privacy and is a act of fraud. The accounts to ACS Education Services, XXXX and the XXXX XXXX XXXX XXXX are wires sent to the school and are not refundable back to all businesses because they have no contract with to back thier invasion. 
The businesses in question were ordered to pay back their businesses for the loss from out of the business bank or out of their pay from whom ever is of the fault for credit loss. 
The credit paid for of {$1900.00} has to be refunded to my ownership immediately from both XXXX, and ACS Education Services as well as all businesses including XXXX, bank, XXXX XXXX XXXX, XXXX bank.

Company response to consumer: Closed with explanation