vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Whom It may Concern. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a XXXX  loan in 2021 for XXXX and it was deposited into my personal business account at Capital One. I withdrew the funds via cashiers check & deposited in my business account with XXXX. Before I was able to withdraw, I had to provide the bank with proof of business Registered and active in the I did so and funds was released. I continued doing business through capital one & was receiving payments via XXXX  from my clients. In XXXX of 2021 capital decided to close my account and no longer do business with me because they suspected my loan was fraudulent. I submitted documentation to prove my business was legitimate, capital disregarded my emails and blocked me from accesss their services. They return my funds from my child 's minor account but still have XXXX frozen from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX, I noticed several small charges to my debit card with XXXX XXXX from Affirm. I disputed the charges with XXXX XXXX and after their investigation found the charges to be fraudulent and refunded my account. During this same month, I spoke to XXXX different people with Affirm, repeating the identity theft of my information, unaware of what the charge was for, and that this account was not mine. I never received any further communication, invoices, or amount total from Affirm, or a request to provide documentation for my dispute of identity theft. I was not aware that there were XXXX accounts or the amounts with Affirm until XX/XX/XXXX when they appeared on my credit report. I contacted the XXXX XXXX XXXX XXXX department and filed a claim. I also filed an identity theft report with the FTC, and a copy was sent to the credit agency and Affirm. On XX/XX/XXXX, the XXXX XXXX XXXX, after investigating removed ( deleted ) all Affirm accounts from my credit report. 
I also contacted the debt XXXX using the generated form letter from the FTC and included the victims rights pdf and a copy of the identity theft report. This morning, XX/XX/XXXX, I noticed XXXX separate email communications from Affirm, informing me that the accounts that XXXX ( debt collector ) held were being sold and transferred to a different debt collector. I continue to receive auto-generated emails from XXXX XXXX another debt collector ), with no communication from Affirm or XXXX XXXX resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
The over draft fees I never signed up for over draft and they would always charge me look it 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 monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX I noticed XXXX USD missing out of my chime account, immediately I called and live chat supported in too report these transactions from a cash app XXXX hurt XXXX 2 days later chime reships me a new card and immediately declined my dispute and said it was authorized, I looked into this on XXXX and XXXX  and it was horror stories just like this. Mine gets worse, so while my replacement card is on the way, they allowed someone too call in, re activate my XXXX XXXX reported stolen and now we have XXXX and now {$1000.00} in pending transactions from guess who? XXXX XXXX XXXX hurt. This is my rent and literally my kids XXXX money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW! 

CREDITOR # XXXXWells Fargo : ACCOUNT # XXXX ALLEGED : XXXX Wells Fargo fraud gently opened a credit card account on XX/XX/2022 after previously closing the account on XX/XX/2022 with a XXXX balance. Wells Fargo has sense then added a balance/charges with on going interest. Which were not paid causing Wells Fargo to inaccurately report XXXX late payments to my credit, causing my credit score to be negatively impacted. During this entire inaccurate reporting I attempted to obtain a mortgage loan which was negatively impacted as well. Wells Fargo 's wrongful doing 's caused me to lose my mortgage loan and earnest money ; along with many other financial burdens.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I redeemed my EARNED rewards with Comenity Bank on XX/XX/2022 and XX/XX/2022 with the direction to direct deposit to my bank account. I received XXXX separate e-mail confirmations regarding the transaction and NEVER received the deposits from Comenity Bank. I have called - spoken to half a dozen people - service account Managers, customer service representatives, senior account specialists - you name it. I have written e-mails and letters through the mail to resolve this and get my money. They have told me they have filed a DISPUTE. IT'S *NOT* A DISPUTE - IT'S *MY* MONEY!!! They said it could take up to XXXX days to resolve!! All they have to do is look in their records and see that it was not completed and initiate it. THIS IS OUTRAGEOUS. Please see attachments for the email confirmations. this has been going on for MONTHS now. No one will help me and resolve it immediately- they say I have to wait until the " dispute '' is resolved. They can certainly take my money or charge something within seconds on my account, but they can not rectify my EARNED rewards. 
XXXX. XX/XX/2022 - rewards redeemed : {$660.00} XXXX. XX/XX/2022 - rewards redeemed : {$130.00} Comenity Bank has STOLEN my money, and refuses to look into this in a timely manner and see that they did not fulfill their contractual obligation. 

If for some reason, the attachments I attached do not download correctly, I have them - I have them in XXXX format and hard copies. I have all proof of transactions I made and that Comenity Bank did not fulfill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: MI

Complaint narrative:
I have a XXXX  on my trans union report I have sent dispute letters from the courts, XXXX XXXX  an XXXX XXXX  XXXX that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-12-21 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony # XXXX XXXX XXXX XXXX Contacted Synchrony on why charged late {$40.00} late fee each month when bill is paid by due date? REP reported correction on next bill. NOT CORRECTED ON NEW BILL. CHARGED ADDITIONAL {$40.00}. HELP!! 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I made a payment on XXXX for {$60.00} and they fraudulently withdrew another {$60.00} on XXXX, bouncing my checking account. This is the second time they've done this.

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 2022-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage. 
The shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less. 
Instead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow. 
Now my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month. 
I was told because they paid the second insurance for the year also. 
The first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months. 
The AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
To whom it XXXX concern While in XXXX XXXX XXXX  I had XXXX  almost XXXX $ in fraud from my cash app balance, square after motnhs and months and XXXX XXXX  filed complaints refunded XXXX, I'm still vehemently fighting this too no avail out of principle, I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole from me and only less than half gets fixed XXXX  months ago. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been working for someone thinking that Ive been receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then send to the person Ive been workin for. Recently, my bank has closed my account saying because their bank accounts say XXXX fraud. When they are the one sending me money. I am not a scammer and I know nothing about it, and I didnt know that the one I was working for has been XXXX  people into giving them money, placing it in my account. I am a victim in this case too, because I had no idea that my account had been included in fraud work. I simply received XXXX  with money and I would send it to the person Ive been working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I noticed a SYNCB/PPL account on my XXXX XXXX credit report a few months ago. I have never had any dealings with this bank nor have I ever applied for credit with Paypal ( PPL ). The report lists what I believe is an amount of credit extended and an amount due but it does not explain and I have never received any notification of this activity. It does however lower my credit rating. I called XXXX approximately XXXX months ago and my complaint was assigned a case # XXXX. I was placed on a conference call with XXXX XXXX of XXXX and a male bank representive of SYNCB and at the conclusion of the call was told that by the bank rep that it is a fraudulent account and that within 60 days it would be removed. Subsequently the balance disappeared but the account remained on the XXXX online " XXXX XXXX '' report. In XXXX I noticed a new unpaid balance of approximately {$1000.00} on the report which again lowered my credit rating. I called XXXX again and was referred to an XXXX representative, XXXX XXXX , with a case # XXXX. On XXXX XXXX she gave me a dizzyingly long list of reports I needed to file and contacts I needed to make to file a complaint. Today I tried to follow up with XXXX online and was given another report # XXXX for obtaining information. However I was informed that getting information would require that I have a long list of identification documents that I do not have, : government-issued ID card, such as drivers license, copy of utility bill, etc. I am a retiree and for the past XXXX years I have been a full-time traveler in countries not in the U.S. I have a U.S. passport, a Social Security card, and a mail-forwarding address in XXXX XXXX , Nevada. I do not own property and have no permanent residential address anywhere. 
Your help is requested in removing this fraudulent account from my credit report. 
I can be reached at XXXX, or by phone at my current temporary location, XXXX XXXX XXXX ( through XX/XX/23 ). Thank you.

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 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On XX/XX/2022 I attempted to send {$500.00} from the Navy Federal account ending in XXXX. The transaction was labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX would not allow the transaction to go through ( see attached ) as Navy Federal was initially blocking the charge for suspicious activity.

After a few more tires at it, Navy Federal allegedly released the funds, however ; XXXX XXXX  denied it. The monies were never rendered to the platform XXXX XXXX and a pending charge was placed on Navy federal. 

I reached out to both platforms. XXXX XXXX  stated that if it was pending, it would likely fall off in XXXX days as they had not accepted any amount of monies during this transaction. After XXXX days, the transaction posted on the Navy Federal account XXXX 

I disputed this charge on XX/XX/2022 and provided sufficient evidence. On XX/XX/2022, Navy Federal provided a temporary credit ; while they continued to work on the claim. On XX/XX/2022, I was notified that Navy Federal is going to recollect this {$500.00} on XX/XX/2022 due to not insuring peer to peer transactions. 

However, it is to my understanding, that a banking error occurred on the side of Navy Federal. XXXX XXXX denied the {$500.00} and Navy Federal Sent the funds to a place that no one ever received. 

If the funds are recollected, this will hurt me financially and are unfair and unjust business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
XXXX. Paid for XXXX XXXX. Confronted XXXX XXXX and XXXX. before collections about {$380.00}. Records confirmed no such debt. Called debt collections and disputed dept. Still refused to remove negative remarks on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: AL

Complaint narrative:
People were hacking my accounts, as well as pretending to be 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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo. I had applied for a checking account. I was approved and when I funding my account. My money was taking and it didn't reflect on my account and then Wells Fargo closed my account for no reason or no explanation.

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 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: AL

Complaint narrative:
I applied to movement mortage and spoke to XXXX XXXX over a month ago. I have asked for countless updates on where we stand and have not received any. This is the most unprofessional mortage company Ive ever dealt with.

Company response to consumer: Closed with explanation