vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: NJ

Complaint narrative:
I have a credit card with XXXX XXXX XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was XXXX and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, Equifax, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NJ

Complaint narrative:
I have a credit card with XXXX XXXX  XXXX. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. XXXX XXXX XXXX erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from XXXX XXXX XXXX verifying all this. I tried contacting XXXX  XXXX XXXX to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( Experian, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company refuses to acknowledge that there is an error in their credit limit system. Keeps responding with a generic automated reply without even looking into it. If they look at their own reply, and read the documents on Capital one, they'll realize that the XXXX  denial is wrongly attributed to a secured card, which my card is not, and hasn't been for a long time now. The system seems to have never updated the card from secured. Nevertheless, the incompetent representatives at the executive office seem to not be able to understand this, or know how to research it. Instead replying with a voicemail, and auto generated letter through here. A voicemail which states a number to call them back on and extension, but they never pick up. And they all state that their only in the office till 4pm or so EST, which is 1pm PST. 

I suggest reading your reply, then reading your own website, before sending these terrible automated replies that don't like into the issue. 
I'll make it even easier and show the parts of the reply which are completely incorrect. 

" Were reaching out to you about the request submitted to the Consumer Financial protection Bureau ( CFPB ), regarding your credit limit. 
We understand you would like us to increase your credit limit. Unfortunately, for the reasons outlined in our letter ( enclosed ) dated XX/XX/2023, your account isnt eligible at this time. 
Please note that you may visit XXXX for more information about credit limit increases. " Okay, so " my account isn't eligible at this time '' Okay so let 's visit www.capitalone.com/credit-cards/credit-line-increase/ for more information about credit limit increases and see what it says. 

" 1. 
Are all Capital One cards eligible for a credit line increase? '' Some accounts aren't eligible for increased credit lines upon request. Accounts that are usually ineligible : Are new accounts opened within the past several months. 
Are secured credit cards. 
Have received a credit line increase or decrease over the past several months. 


So my account XXXX : Are new accounts opened within the past several months. 
NO Are secured credit cards. 
NO, but used to be so this is where the problem is!!! System was probably never updated to reflect this change! 

Have received a credit line increase or decrease over the past several months. 

NO. 


So until you actually fix this. I am more than glad to file regulatory complaints with CFPB, CA attorney general 's office, California Department XXXX XXXX XXXX and XXXX, Better Business Bureau, and so on, on repeat, until the problem is actually addressed and fixed. 

And not just replying with a cookie-cutter automated reply that chat XXXX could've wrote which is factually completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX Wells Fargo made a fraudulent withdrawal of {$4000.00} from my checking account. Apparently someone hacked into their system. I called on Monday, XX/XX/XXXX and they told me to close the account and they filed a fraud claim. They also assured me the money would be returned. They also told me to file a police report. I did both, closed the account and filed a police report. I called again on Thursday XXXX, XXXX they told me they identified the thief, and assured me the money would be returned within 24-48 hours. This did not happen. I called again on Wednesday, XX/XX/XXXX and was told that funds would be returned in 24-48 hours. No returns made. I called again today, Monday, XX/XX/XXXX and was told that they couldn't guarantee when the funds would be returned. 

I greatly appreciate in advance anything you can do to expedite Wells Fargo returning my money as soon as possible.

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 2023-05-15 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: CA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.

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 2023-05-16 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: TX

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage reports my account as Delinquent to credit bureaus even after paying off my loan. They did this for 3 times and may repeat in future. My credit score falls by XXXX points each time they report. 

First time their system did not pull the right amount even though I was on Autopay and they reported it as missed payment. They accepted their mistake and corrected it. 
My loan was paid off on XX/XX/2023. But they still reported my account as deliquent for XX/XX/2023 and XX/XX/2023. 

Their customer service is not helpful.

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 2023-05-16 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: NJ

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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX  ACCOUNT # 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 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 non-monetary relief
Consumer complaint received 2023-05-16 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: NJ

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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : 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 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 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 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CO

Complaint narrative:
My partner and I moved to XXXX, Colorado in XX/XX/2022. A month later, we went to a XXXX store to change our phone service, which they assured us was serviced in our area. We purchased new phones and a new plan. When we arrived back to our home town, we were out of service. When I called XXXX they told me that our zip code, XXXX, was XXXX dead zone and had to borrow service from the only service towers in our area - none of which belonged to XXXX. After a back and forth with their customer service team, they told us that we coukd return the phones for a full refund and our service would automatically be canceled on a set date. When I called again to confirm, I was told my bill would be {$0.00}, and I wouldn't owe XXXX anything for the inconvenience of selling us a phone and plan, despite them not servicing our area as they had previously mentioned. I received a bill for this amount, {$0.00}. Now, XXXX is attempting to collect {$33.00} from me through their chosen debt collection company, True Accord. They will not allow me to discuss this with anyone but their debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: NM

Complaint narrative:
When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and dont know mothers maden name. This is not mine! and it has been holding me back for to long... I want it removed. ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: World Acceptance Corporation
State: TX

Complaint narrative:
Never received verification of product-XXXX Never received verification on how it verified XXXX never rec 'd verification of wet document XXXX I have not rec 'd the accuracy of the record. 
IT continue to come back verified, but they replied they have no info on the problem. 
I'm trying to buy house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
XXXX XXXX has been calling me excessively. I told them months ago to stop calling as much, they continue. 

On XX/XX/23, they called 4 times from a blocked number. 
On XX/XX/23, they called 3 times. 
Today ( XX/XX/23 ), they called 8 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
This morning at roughly XXXX I got notice that my account would be closed. No notice no anything as soon as I got the email I tried logging on and couldnt. They stated they are holding my money for 30 days. I made contact with the company and emailed them. Ive been told different things from everyone that I speak to. Ive been told they will expedite the process. I explain that I needed the money which is my money for medical expenses for not only myself but for my young children as well. They have left me with no money at all and are refusing to release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: PA

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 confidentially under 15 USC 1681. 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  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC
State: MI

Complaint narrative:
Markoff Law PLLC served me a summons on XXXX XX/XX/XXXX dated as issued on XXXX XXXX XXXX with only 28 days to answer the summons. I was not only served over a month after the issue date of the summons but I also do not recognize the debt and have never received any verification of this debt by Markoff Law PLLC. By law I am legally allowed to ask for verification and be provided verification of a lawsuit prior to being served. I have never received one thing about this debt from XXXXXXXX XXXX in the mail or even a phone call. The debt is for an alleged amount of {$2500.00} according to the summons. The APR is 159.57 % which is outrageously high and usury in the state of Michigan. The loan number on the summons is redacted as well as the customer number so I can't even call to try and get information about this alleged debt to find out what it is. The signature on the loan is digital and not wet and was signed electronically when I was actually in XXXX XXXX XXXX  on XXXX XX/XX/XXXX. There is absolutely no way that I signed for this loan or that it is mine. This debt is fraudulent and the debt collector is trying to fraudulently collect this debt through illegal methods. I have never verified this debt nor have I even heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 I realized my wallet, containing all my debit and credit cards, had been stolen from my car. That moment I called Wells Fargo ( issuer of my stolen debit card ) that the card had been stolen and that there was already a fraudulent charge showing up on my online banking app in the amount of {$170.00}. I asked them to immediately shut down the card and issue a new one since I had no way of obtaining money. They told me a new card would arrive in 2-3 days and noted that I was disputing the {$170.00} charge that showed up that day. 

The attendant I spoke with assisted me in loading the newly issued card onto my Applepay so that I could withdraw money while I awaited the arrival of the new card. I made it absolutely clear during this conversation that my card had been stolen ( hence, why they expedited the XXXX solution during the wait for my shipped card ). 

After ten days, in a letter dated XX/XX/23, Wells Fargo denied my fraud claim and determined the fraudulent claim was authorized and asked that I consider [ my ] claim closed. 

I immediately called the number given me on the letter and spoke to an attendant who explained that since my claim stated I had my card in possession, they concluded that I made the charge. I explained over and over that I made it clear my card had been stolen at the time I reported the fraud, and that such was evidenced by the fact that the attendant even helped me set up my new card on my XXXX because they knew I had no means of withdrawing money while I waited XXXX days for a new card. 

Ive been a customer of Wells Fargo for 24 years. Im stunned by their conclusion that the card was in my possession especially given the fact that they helped me replace a card that had obviously been stolen.

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