vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I feel discriminated against by CHASEBANK I applied for my first credit card with them since I just became a us citizen and wanted to build a relationship and open my first card with them they denied me claiming my credit history but how do they expect me to have one when I just became a citizen and want to have my first credit card with them they are nit beinf complainant or nice they declined me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Around XX/XX/2021 I contacted Wells Fargo after visiting XXXXXXXX. I found incorrect information in my report from Wells Fargo. I received a letter from company in XX/XX/2021 stating that full balances would be reported to all 3 credit bureaus. When I pulled my report I found the company had not updated information in over a year. This information provided by Wells Fargo on my credit report hurt me dearly I was denied a new line of credit related to having high balances. I was in good standing with my payments and needed this info provided for new credit. I contacted the executive office and was given a cut dry response about the creditors option to suppress information and not report but did admit to sending this letter ( attached-can be found under response ). Since my car has been totaled related to theft the bank has still not updated my credit information. The bank reports last payment of XXXX which is incorrect my last payment was XXXX posted XXXX. The company changed the amount of late payments from 17 to 14 missed payment. I have disputed this with all 3 credit bureaus and the company I don't know what to do. There were different amounts for the balance due across all 3 bureaus ( they were updated ) XXXX last payment XXXX balance- {$6500.00} 17 missed, XXXX-last payment XXXX balance- {$6500.00} 14 missed, XXXX- no last payment balance {$6500.00}. Since I have received a letter stating that I owe no balance on the car but my credit report and this letter was dated XXXX. This is hurting me and a direct violation of 15 USC 1666-1666j if missed payments were adjusted then where is my refund or credit why is the info different across the bureaus. This company cashed a check from the insurance agency for more than loan balance amount has not updated my credit info or sent me a refund for the difference this if fraud. I am entitled to Statutory and actual damages from this 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 2021-07-09 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: CO

Complaint narrative:
In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and Transunion refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being 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 explanation
Consumer complaint received 2021-07-09 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: CO

Complaint narrative:
In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and XXXX  refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Phillips & Cohen Associates, Ltd.
State: AZ

Complaint narrative:
Received a letter stating I was deceased from Phillips & Cohen. Then the they reported that I was deceased to the 3 credit bureaus. This is fraudulent information and I am not deceased. I have enlisted the services of an attorney and will be filing legal action of Phillips & Cohen doesn't contact each credit bureau and remove the " deceased '' comment from my credit files. 

Additionally, I'd like to know where they got the information that I was deceased? 

This seems to be illegal collection activity in an effort to collect a debt. Very shady.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have a credit card with American Express ( The XXXX XXXX American Express Card ) On XX/XX/XXXX, I made a {$23000.00} payment against an outstanding balance of {$24000.00}. On XX/XX/XXXX, I visited the American Express online portal https : //XXXX to verify receipt of my payment and to check the total outstanding balance. The site showed a {$1500.00} Total balance that included charges included {$1000.00} posted since XX/XX/XXXX. Those charges checked out. However, a pop-up linked revealed additional information, to wit : " A plan has been created with Plan-It on this account. The balance will adjust as plan payments become due. View Plans. '' I did create a " Plan-it '' plan back on XX/XX/XXXX. The " Plan '' was to select and group ten purchases and pay one flat charge over a period of ( 24 ) months for {$110.00} on a {$2200.00} grouping of charges. 

Problem 1. {$480.00} out of my {$1500.00} balance as of XX/XX/XXXX, is residual " unpaid interest '' from the created plan that American Express solicits and offers its customers. Purportedly, to better manage high unpaid outstanding balance. American Express claims it would save the customer interest over a period of time. However, American Express, as a " banking subsidiary, '' does not disclose the actual ( APR ) interest rate on its " Plan-it '' program. 

Problem 2. When a customer pays on a single credit card account. He/She is paying toward the total outstanding balance, which includes, principal plus, interest. Question : Then why can American Express arbitrarily determine which is principal, and what is interest, if a customer decides to pay off or significantly reduce his/her total balance, and thereby eliminating aggregate interest charges before the " 24-month Plan-it '' term ends. What is the savings here?

Problem 3. As a customer in good standing, I am uncertain whether I actually benefited from making the " Plan-it '' offer that was solicited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar.

I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures.

Please see attached correspondence. 
Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have bank with Wells Fargo for couple years now some time back I found that this bank have give another person a loan for a house with my social security number as a first time buyer I try to fallow a complain with them but they never got back to me they said I need to call XXXX and the other companies to figure that out they cant give more info I have a letter from social security stating that is my social number Wells Fargo have never gave me more info on this matter.

Recently a had two transaction that were return back to me Wells Fargo said at first they waiting on the money to be release to them so they cant put them in my account but that never happen the money disappear from my account period I submitted a claim asking where the money is and they dont have an answer for it I need help on what to do next.

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 2021-07-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response.

( REPLACE XXXX  WITH EQUIFAX WHEN YOU SUBMIT A COMPLAINT TO EQUIFAX, THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

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 2021-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, XXXX XXXX XXXX, who XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm, for XXXX XXXX XXXX, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, via email XXXX and explained that XXXX XXXX XXXX, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, helping XXXX XXXX XXXX illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.

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 2021-07-09 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX while in the process of selling my home I was notified that the township tax payment had not been paid although payment of {$1600.00} was due on XX/XX/2021. At this time I reached out to my mortgage provider Quicken Loans to inquire as to why escrow dollars were not used to pay the aforementioned tax bill. 

To date I have continued to reach out to Quicken Loans and have even sent a " Notice of Error ''. I have spoken to several supervisors including XXXX XXXX and XXXX XXXX. I have been told that XXXX is researching my inquiry but to date no information has been provided regarding the missing tax payment. In order to move forward with the sell of my home I was required to escrow an additional {$1900.00} XXXX tax bill plus late fee ). These additional dollars will be released to the XXXX Township Boro as quicken has been unable to provide any proof of payment. 

I have reached out via phone and approx. 3 times a week over the last month however nothing is being done. XXXX XXXX and others at Quicken Loans ( Rocket Mortgage ) continue to provide dates for resolution that they continuously do not meet. As escrow monies were paid by me along with my mortgage payment every month if Quicken Loans did not use the funds for what it was attended for I have requested on several occasions that these escrow monies be refunded. Quicken continues to refuse to take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
I have been incarcerated for the past 3 and 1/2 years. Now Im trying to get my life together and I find out my credit is XXXX due to some unpaid debt that occurred during my incarceration. I tried disputing it and that didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, Worldwide Asset Purchasing, who XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, for Worldwide Asset Purchasing, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, via email XXXX and explained that Worldwide Asset Purchasing, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, helping Worldwide Asset Purchasing illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: CA

Complaint narrative:
I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.

Company response to consumer: Closed with explanation