vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 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: MD

Complaint narrative:
On XX/XX/XXXX, l had inform the bank wells fargo that l had authorized the transaction shown on my bank account on XX/XX/XXXX as the sum of {$99.00} and quickly objected to the dating service by dream singles. The bank had in a letter from the bank, letter of date of XX/XX/XXXX inform me that the {$99.00} provided to me on XX/XX/XXXX provisionally because of the transaction that had occurred on XX/XX/XXXX will be deducted from my checking account on XX/XX/XXXX, that had occurred because of the bank reversal of the sum of {$99.00} for the service, dream singles. The letter the bank had sent to me had went on to say that, if l have questions or would like to take advantage of my right to request copies of the documents that well fargo had relied on in making their decision l can contact the bank, wells fargo. When l had contacted wells fargo, l was inform by the customer service representative that. It will take up to 30 days for the bank to provide to me any of the documents, the bank had relied on in making the decision concerning the transaction posted to my checking account on XX/XX/XXXX. Which is a violation of any law of any nation and the rule of the federal deposit insurance commission and of the consumer financial protection bureau that would require any evidence that was use in posting a bank account transaction and in making any decision involving a bank account transaction or atm withdrawal involving a pin number so as, to verify that any of such transaction was made to be supplied immediately because the transaction was posted on my checking account by the company, wells fargo bank for the accuracy of any transaction stated on the checking account that l have at the bank, wells fargo. Any of the dating service company mention in my letter, had said that any member can cancel his or her membership without notice.

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 2023-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
To whom this may concern, On XX/XX/XXXX I reached out to Customer Service of Citigroup to ask for a refund of overpayment during XXXX. I was told I needed to show proof of bank statements. However, I did not have that kind of proof since the bank account where the automatic payments were made had been closed and thus I had no access to electronic bank statements to show these transactions and even less the paper records. 

On XX/XX/XXXX I reached customer service from Citibank again since I found records of such extra payments through my annual credit report and a letter I received ( for tax purposes ) regarding the payments made during XXXX and that should be refunded since the loan had been forgiven. I have been receiving ambiguous responses from customer service that lead me to believe they just want me to drop the topic. 

On XX/XX/XXXX I placed a complaint about this issue. On XX/XX/XXXX, I received a notice ( attached ) letting me know my name was not listed in the loan account and so I am submitting this new complaint with more verification documents hoping this time I can get the refund I have been requesting for many months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: AZ

Complaint narrative:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I went to apply for a family vehicle and the dealership at XXXX XXXX stated that I had over 22 hard inquires on my credit report and was unable to approve me for a car loan. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My personal documents ( social security card, birth certificate, ID, passport ) were all stolen in 2016 and have all been replaced since. The use of my identity has occurred since the but I routinely check my credit file to ensure nothing appears in my name that is fraud. After reviewing my credit file, I filed a report with the XXXX Police Department with XXXX XXXX XXXX ( Badge XXXX case XXXX on XXXX in regard the above referenced fraudulent accounts that were opened in my name without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: MOHELA
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX, my rights have beem violated 15 USC 168 Section 602 states that I have the right to privacy 15 USC 1681 604A Section 2 : It states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account number an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have tried to reached out to this company to ask for proof of validation or any contracts tying me to this company and disputed the account but has not received any answer or information from the company.

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 2023-03-07 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: DE

Complaint narrative:
Trying to sell our home- we have a VA loan with Loan Depot. According to our closing documents, the loan can be assumed by the new buyer. Called and spoke to Loan Depot and were told that the process can take up to 180 day ( 6 months ) due to all the paperwork involved and the communication back and forth with the VA. 

I spoke to the VA and what Loan Depot is doing is wrong- they are purposely DELAYING the process due to the fact that they only get {$300.00} in origination fees and we have a low interest rate at 2.25 %. All the paperwork for the VA 's concern is done POST CLOSING! 

Loan Depot would rather the new buyer take a conventional loan because they will not make their money on this assumption of our mortgage. 

I called to ask for an expedited process for the assumption, but was told - " that is the way it is. '' As a result, we will lose the sale of our home as well as lose the home we are building because they delay this process for their convenience. Why? Because they CAN! And we will be homeless - that is NOT something the VA wants. All because Loan Depot CAN! 

Current mortgage rates are high and the process for a conventional loan would take LESS that 45 days to complete AND CLOSE! Yet, if you are assuming a loan- all you have to do is qualify- like you would for a conventional loan. Absolutely NO REASON for this time delay. 

I have names of folks I spoke to both at Loan Depot as well as the VA. I logged all the converstaions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN YOU HAVE BEEN FURNISHING INACCURATE INFORMATION ON MY CONSUMER REPORT I INSIST YOU REMOVE ALL ERRORS ON MY CONSUMER REPORT SO MY CONSUMER REPORT REFLECTS 100 PERCENT ACCURACY! ITS YOUR DUTY AS A DATA FURNISHER OF INFORMATION TO HAVE ABSOLUTE ACCURACY ON MY CONSUMER REPORT!. ( ( SEE ATTACHED DOCUMENTS ) )

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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Temporarily lifting a credit freeze with Equifax : We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen within hours if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax still has not lifted the freeze since mid XXXX. The details are : My account on myequifax.com does not allow me to temporarily lift a freeze. Any Equifax phone number won't give any results since they claim that I do not provide correct information of security questions and that info does not match what they have on file ; the phone call then just ends without having the chance to talk to customer service. I then decided to lift the freeze via regular mail sending in a letter as well as copy of my social security card and drivers license. Letter # XXXX was delivered per XXXX tracking on XX/XX/XXXX ( Equifax had to sign for it ). Letter # XXXX ( this time I included previous addresses, trying to add more information that could be helpful ) was delivered XX/XX/XXXX per XXXX tracking. In the meantime I received one letter from Equifax on XX/XX/XXXX requesting the exact same information I provided in the first two letters. I now sent letter # XXXX with the same information and included their letter in the envelope as requested by them and sent it to the po box that they stated in that letter. Letter # XXXX is expected to be delivered on XX/XX/XXXX. As of today the credit is still frozen per myequifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my account on night of XXXX and found both my checking and savings account to be drained. There has been no warning or notice. My account was just closed. Thinking it could have been a system error, I decided to wait until the morning of XXXX. Now I'm not able to even access my account or find out how much money was in my account. All it shows me is my credit card debt. 

There were money both in my checking and savings account. But both accounts are now closed. Fortunately, I saved my checking account statement. Unfortunately, I didn't save my savings account statement. For my checking account, I should be receiving {$160000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce Bank XXXX XXXX XXXX, MO A snowball effect of overdraft charges from smaller XXXX transactions going through one at a time. All overdraft charges were from legitimate charges going through when I did not have enough money in my account. The overdraft charges inevitably made it impossible to bring my account into the positive. Each penalty is worth {$36.00}. 

XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$72.00} XX/XX/XXXX - XXXX x {$36.00} = {$36.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} Total = {$680.00} I called the bank to ask for help. They were able to refund 4 overdraft charges, along with an additional {$50.00} leaving me {$490.00} in the hole. I called again asking to speak to a manager but was never able to reach them and was told this wouldn't be solved by a manager override. I've been having financial issues stemming from a divorce in XXXX and being blindsided by a lack of additional employment due to COVID. I've been asking for years for any kind of tools or resources I can use to help mitigate issues, and until I prodded today over the phone was not aware that I could be using a loan I had from them to buffer my overdraft charges, nor was I made aware that setting up a savings account could help. I was given no valuable advice or suggestions in 4 years. It's hard for me not to believe these resources were withheld from me ( after REPEATED requests for assistance ) because overdraft charges are a more lucrative endeavor than helping customers get on their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
Applied for the XXXX XXXX XXXX in XX/XX/2022 and this card has given me the worst service a human being can be offered. From them getting my bank account number wrong to having a complicated way of submitting payments. I have to call every month to make a payment when every other credit card has a smooth way for me to submit payments via a website. I also found out they froze and closed my account just because they wanted to. I have had 10+ years of perfect and on time payments on my credit history. I personally believe this card scammed me to open with them and once I met the requirement to use my cashback option at XXXX in order to buy gold thats when my account was frozen. I own credit cards from multiple lenders and this is by far the worst card I have ever had. To speak to a supervisor took over an hour long and if you ask for a supervisor to call you they do not call you back. I hate this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2023-03-07 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : 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 2023-03-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Carvana Group, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX for a XXXX XXXX. Total price {$23000.00}. It was to be delivered XX/XX/XXXX. I gave them bank details so they could verify I had funds available. They processed an ACH and funds were taken XX/XX/XXXX. On XX/XX/XXXX XXXX told me that due ti delivery problems the car would now come XXXX. I inquired about my funds and was told that if I had to cancel the car an ACH would be processed right away, no delay from XXXX. On XXXX XXXX delivered the wrong car ( different color and XXXX more miles ). Delivery man confirmed the car was wrong said he would be back in 2 hours with correct car. An hour later he called and said the pictures of the car online were not reflective of the one he had to bring me ( stained interior and many scratches on exterior ). I told him I wanted to cancel and get my money back. He agreed. I had a chat with a live representative that afternoon confirming the cancellation and my refund amount. On XXXX I called XXXX to reconfirm as the amount was not in my bank yet. While the customer service person could see the cancellation he noted that a refund had not been processed. I asked for a wire transfer. Representative called me back and said that a refund had been started but that their system would only allow an ACH refund and nothing more expedited even though they acknowledged they were at fault in the delay. I think it is unfair that XXXX took my funds without delivery when they could have just checked availability or taken a down payment. I think it is very unfair that after recognizing their error in not initiating an ACH on XXXX as promised they did not spend the extra dollars to send me a wire rather than another delay with the ACH process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I attempted to get information to verify debt and disputed debt with this company. I asked for validations and proof of accounts or contracts and never received it. I never did any business with this company.

Company response to consumer: Closed with explanation