vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I called my mortgage provider PennyMac to enquire about a HELOC loan on my equity He asked to pull my XXXX credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an XXXX report. 

I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/XXXX  ) {$3400.00}

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX  ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/21 ) {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I seen on my credit report that i have a charge off/ closed account on my credit report that were not placed by me! I would like them removed off my account due to it being associated with identity theft. I did submit a report to the FTC! 

XXXX XXXX XXXX Inquire date ( XXXX XXXX ) {$5400.00} XXXX XXXX  Inquire date ( XX/XX/year> ) {$3400.00}

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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX XX/XX/year> I wire XXXX XXXX to a business with chase bank, in XXXX XXXX I wire XXXX XXXX to a business with chase bank, in XXXX XX/XX/year> XXXX wire XXXX XXXX to a business with chase bank. Chase bank close all my accounts with them said I have a risky behavior they were going to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was a part of the large Wells Fargo settlement because my car was Repossessed. They issued a check in the amount of {$5400.00} in my name and my ex-wife name. I am now divorced and have no ability to get in touch with my ex-wife so I can deposit the check. I called and explained myself and the agent said there was nothing they could do about it. They said I had 2 options the first was to get a hold of her so she can sign it, and the second was to wait 2 or 3 years untill the money had been sent to unclaimed money. I have tried to get in touch with my ex and she changed her number and Address... I even tried her daughter with no luck. The second option is not an option and I really need my money. I recieved a tax document showing taxable interest with only my name on it. Is there anything I can do to get them to issue me a check in my name? I have a divorce decree and everything.

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 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
Account was created with chime, Im not sure how but they have my ssn, email address, phone number, name and address. They did not close my account and requested personal information from me to do so such as my ssn which I declined to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Harley Davidson Financial keeps calling me and asking for my father, XXXX XXXX. I do not live with my father and do not know where he is most days. I have informed Harley Davidson Financial of this information and requested that they stop calling me. They always agree to stop calling me but never stop calling. They call almost everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
Cash App has blocked all transactions and refuse to allow me access to my funds. The dont give me any information other than it is being investigated. No anticipated time of resolution I asked if I could close the account they told me I could close the account, but then refused to cash out my monies with no explanation as to why Ive tried every day for the past nine days to get this resolved and I keep getting the same runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has closed my account ending in XXXX without my consent, When I called to address the issue XXXX XXXX, Manager of American Express 's internal Collections team stated that AccountXXXX has a balance of {$6000.00}. I do not have an account with a balance, let alone an account ending in XXXX. When I tried to speak with XXXX XXXX on the XXXX of XXXX, 2023 he instructed me to wait as they were investigating the discrepancies, after asking me to email a screenshot of my online account showing the one account number ( Account XXXX ) because they did not have that account in their system. 

The closure of my account and card has left me stranded and distraught. I don't have access to my credit, nor an option to remedy the situation. This is deeply disheartening and has caused XXXX and fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
In XXXX I opened a XXXX XXXX with a US Bank agent. I open this account for a {$500.00} bonus incentive. When I went to fund the account via XXXX it was rejected. I called US Bank only to learn that they closed the account ( I received a check book for this account ) without my knowledge nor consent. They then reopened the account again without my knowledge. I had to send in the signature card as there is no branch in NY. Then I funded the account with over {$7500.00} & did a direct deposit which was a requirement for the bonus. I fulfilled all the necessary actions for the bonus. I have called numerous times to inquire when I would be receiving the {$500.00} bonus, I was informed that I am not getting the bonus as this new account was opened in XXXX & the bonus was only in XXXX & XXXX. I was scammed as the original account was opened in XXXX & a US Bank agent added a new code ( XXXX ) to my account to insure that I got the bonus. I am a victim of fraud, & US Bank CEO ( XXXX XXXX ) ignored my emails. I would like you to investigate this issue as I am entitled to the {$500.00} bonus ( which is the only reason I opened this XXXX XXXX account. 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I was in a horrific car accident that killed the other XXXX people in the car with me. That being said. XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  and had to have XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX During this time a friend of mine tried contacting my business affairs to get some help so accounts did not become past due. But as you know unless the credit card company is given permission to speak to them they cant. Life happens. So XXXX day after I get home from the XXXX I start making phone calls. Now mind you Im still on XXXX XXXX XXXX XXXX and XXXX  a lot but I called discover card and explained that this happened and went over my excellent payment history and they waived some late fees and I paid off the entire balance. Well then I noticed fraud on my account, so talked to them about that, and got anew card mailed out to me. When I got my card it would work after activating it, so I call discover, and then Im told I need this income form form irs filled out and notarized. So I spent the last couple of days trying, to get that done, I have not been able to, so I call today and told I dont need that form anymore cause, y account was closed due to a business decision. So tell your customer to pay off the balance to catch a break from past due fees and interest and then be sneaky and close there account for no reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I called my mortgage provider XXXX to enquire about a HELOC loan on my equity He asked to pull my Equifax credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an Equifax report. 
I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I submitted a complaint about the communication to Synchrony Bank about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is XXXX XXXX XXXX XXXX XXXX XXXX Attention Corporate Trust Office Synchrony Card Issuance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reviewed my XXXX credit card statement in XXXX and noticed daily XXXX charges that I had never used. These fraudulent charges started XX/XX/22 and typically consisted of several charges per day ranging from $ XXXX {$99.00}. There were approximately XXXX charges. 
I contacted Wells Fargo fraud and they closed my card and sent me a new one. 

Before I could even activate my new one, it was still receiving daily fraudulent charges. Yes, this is on a card I had not even activated. Wells told me that sometimes this happens when a card is linked to my account ( I don't know what that means and they never could explain it ). So, they sent me a third card, which was also compromised before I could activate it. Finally, the fourth card worked and the fraud stopped. 

The fraudulent charges occurred XXXX totalling more than {$2000.00}. Yet, Wells only adjusted {$290.00} ( see itemized attachment of all daily charges and adjustments ). 

I called and they told me to resubmit it to fraud. It was denied again. 
I went to my local branch and explained everything and showed my backup to the manager ( XXXX XXXX ), who agreed it was obviously fraud and worked with fraud. 
When XXXX had no luck, and no explanation, he sent my claim and backup to Wells Fargo executive office. Several people tried helping me over two months. They agreed it was fraud, but said it has to be approved by fraud. After two more failed attempts, a Wells employee at the executive office ( XXXX ) recommended I try this or small claims. 

I don't know what else to do, since it is clearly fraud ( there's none of these charges on my personal XXXX account ). Wells fraud department has no manager or anyone you can follow up with, and they provide no reasoning for denials. This has been extremely frustrating and wrong... I've been a customer here for nearly 20 years, and they clearly never even looked at this because the fraudulent XXXX XXXX XXXX charges on my card are a different XXXX XXXX XXXX than the real one.

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P&B Capital Group, LLC
State: IN

Complaint narrative:
The collections account holder is PBCAPIGRP and the account number is XXXX. 

XXXX XXXX XXXX is filing for bankruptcy and yet they are still requesting money from me. They went with P & B collections and say that as of XX/XX/2022, I owed : {$1800.00}. 

I requested early on that I am not interested in their service and they did not contact me after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've raised disputes regarding a particular account with Equifax multiple times over the past XXXX XXXX months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that Equifax bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents tor verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another.So, I do want to thank CFPB for their time and dedication to holding company 's like Equifax accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I am filing a second complaint regarding my initial complaint and disappointment with how my issues are all being dismissed. I appreciate your attention to this matter, but there are crucial issues that remain unaddressed : 1. Payment Confusion and Cancellation : - My initial payment of {$880.00}, intended for the release of my car, was reportedly missing from your records. This led to my decision to cancel the subsequent payment scheduled for XX/XX/XXXX, to avoid the risk of additional lost payments. The XX/XX/XXXX payment was intended as an additional payment but due to the ongoing issue of the previous missing payment, I canceled the payment scheduled for XX/XX/XXXX until the {$880.00} payment was found and resolved. 

2. Car Condition Post-Repossession : - Prior to repossession, a diagnostic report dated XX/XX/2024, confirmed my car was free of any issues. However, upon its return, I discovered multiple new problems, indicated by eight different error codes. 
- The conflicting information about the safety of driving my car, ranging from being deemed unsafe even in a parking lot to suddenly being cleared for pickup without explanation, is alarming and confusing. The lack of paperwork or explanation regarding these sudden issues is unacceptable.

3. Missing Property and Damage : - Upon retrieval of my vehicle, I noticed missing personal property and the new diagnostic errors. These discrepancies raise serious concerns about the handling of my car during its repossession.

4. Financial and Emotional Strain : - I acknowledge the repossession occurred due to my financial difficulties. However, the damages to my car, the loss of my property, and the inconsistent communication have only exacerbated my situation.

- I am now faced with the dual burden of high monthly payments and additional repair costs for damages incurred during the repossession process. 
- I feel there is a discriminatory element in this process, targeting individuals in challenging financial situations, potentially leading to further financial strain and disadvantage. 

In light of these issues, I request a thorough investigation into the handling of my car 's repossession and an explanation for the damages and missing property. I also seek a resolution for the financial and emotional distress caused by these events. 

Attached are the diagnostic reports from XX/XX/XXXX and post-recovery, highlighting the discrepancies in the car 's condition. 

I look forward to your prompt and constructive response. 

Sincerely, 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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