vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Had a check deposited that they approved and released into my business account. 2 hours later after i already ordered materials as the customer wished. They froze my accounts and told me i owed them all the money that was spent on the materials. And have not released any of my accounts or what little money i had in my personal account.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
My phone was stolen which was connected to most of my banking information and applications that had my credit and debit card attached to it, unauthorized charges was made on my XXXX  account in XXXX  that I did not make or travel to I filed a dispute to XXXX  and they told me to file a dispute to my bank for a chargeback due to them not being able to refund me as it would mess up the reviews for the hosts on XXXX itself I filed a dispute to my bank and they declined my dispute within XXXX hours without letting me upload proper documentation as I was told that I can upload documentation so they can investigate XXXX  XXXX - XXXX XXXX XXXX {$360.00} XXXX  XX/XX/2022 {$45.00} XXXX  XXXX XXXX {$150.00} XXXX  XX/XX/2022 {$99.00} XXXX  XX/XX/2022 {$31.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$130.00} XXXX  XX/XX/2022 {$100.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MN

Complaint narrative:
I found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX  XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo charged lots of over draft fees on top of each other XXXX XXXX XXXX I have since married.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was followed by an XXXX account named " XXXX ''. This account claims to be selling authentic sneakers. XXXX creates posts daily, inquiring its follower to guess the shoe size of a particular sneaker in a picture. If guessed correctly, the shoe would be sold at that price. After guessing the price I was informed that my quess was correct and that he would sell me the shoe. Since the price was very fair I inquired about buying multiple. I sent over {$1100.00}, I was provided his XXXX information such as the name " XXXX XXXX '' and the phone number " XXXX ''. After sending the money on XX/XX/XXXX I was informed the shoes will be shipped out shortly. The following day I suspected this seller to be fraudulent and that I may be sold counterfeit sneakers. I inquired the seller about potentially buying more sneakers from him but can only do so if he can temporarily send me the money back in order to use those funds to get more. I did this in attempt to recover my funds. He said that he will send out these batch of sneakers the following day on XX/XX/XXXX. Shortly he provided me a fake USPS tracking number " XXXX '', I knew this was a fake tracking number because a valid tracking number would say it has been created and whether it has been scanned by a USPS facility yet. The number that was provided to me states " Information available soon '' and still states that till this day. In the evening of XX/XX/XXXX I contacted my bank informing them that I was scammed and they have started their investigation. 
All transcripts can be provided from XXXX chat conversation. 
Doing a reverse search on the phone number it points to the owner XXXX XXXX who is using XXXX XXXX carrier service. I am suspecting XXXX XXXX to be scamming under the name XXXX XXXX which seems to be his nephew. 

XX/XX/XXXX I created a police report. 

XX/XX/XXXX The XXXX account mentioned the following in a story post " Also we are hiring today looking for assistants!! I If you are chosen for the position you will be paid daily | no prior experience required | Must be in the United States | Online Position '' Scammer account seems to be recruiting more folks for its fraudulent operation. 

XX/XX/XXXX Submitted XXXX cyber crimes FBI report XX/XX/XXXX Bank of America denied claim XX/XX/XXXX Requested full documentation for Bank of America investigation Submitted complaint to state attorney

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Multiple times they hit me with over drafts fees and other fees that matchup to my funds or usage. Never gave a straight answer to the fees and closed my accounts and added some savings account without my knowledge.

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 2023-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to buy a home for the first time and was misled by a realtor, builder/seller, and a XXXX XXXX from Bank of America XXXX The bank 's attorney XXXX XXXX and his law firm XXXX for XXXX has unethically lied to me with misstatements of facts by falsely promising a compromise after I paid off this 30-year XXXX XXXX XXXX Mortgage in 3 years hoping to get my personal credit report repaired and my life back on track. 

This whole deal should have reversed by the bank long ago after I reported to the bank that the home was uninhabitable until the one-year warranty was provided and attended to but was not by the builder/seller, the realtor, or the bank. 

This is breach of contract, nonperformance by all parties involved except XXXX XXXX XXXX who fulfilled his duty, and went beyond the call of duty to help this bank, but the bank has not reciprocated any such assistance and now it is time for the CPFB to step in because I was just denied a new mortgage loan from XXXX XXXX because Bank of America refuses to help clear my credit report, which has been exacerbated by the bank 's attorney XXXX from XXXX XXXX firm in XXXX. 

There is some illegal activity in this matter that has nothing to do with me but is preventing me from enjoying my life, liberties, and protection of my property interests so I may pursue happiness with any more stresses that are not mine to endure, but the banks, the realtor 's, and the builder/seller to deal with.

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 2023-02-01 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: IL

Complaint narrative:
I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: IN

Complaint narrative:
After pulling my XXXX credit report back in XXXX, I noticed that Key Bank pulled my credit for some unknown reason on XX/XX/2022. Outraged, I called Key Bank to voice my concern. That call was placed to Key Bank on XX/XX/2022. The associate I talked to at that time, XXXX, assured me that the inquiry would be removed by Key Bank. Over two months later, it still remains. It must be removed immediately as it is causing me undue hardship.I had no interest in Key Bank credit products then, and will not have interest moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
The company is reporting to my credit that this account has been resolved and is no longer in their office, but they are still reporting to my credit report. I have recently sent a complaint and this was the response, but it has not been updated accurately : CKS Prime Investments , LLC ( CKS Prime ) acknowledges receipt of the consumer complaint. The account has been reviewed by our compliance team. The account associated to the consumer inquiry was settled in full and closed with our office. CKS Prime is a data furnisher and as such is subject to independent rules and regulation. In accordance with governing rules, accounts are not deleted from a consumers credit bureau because of a payment or a resolution, but rather, the credit bureau reporting of the account is updated. We do not engage in a paid to delete strategy. The account is reporting to the bureau accurately as settled in full in accordance with governing legislation for data furnishers. Should the consumer have further questions or concerns we invite them to contact us to discuss the matter further.

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 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CITIBANK, N.A.
State: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

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

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My checking account has been closed by Huntington bank on XX/XX/XXXX and the bank didn't return the balance of the account to me. I went to the local branch to verify my identity on XX/XX/XXXX. and tell them I want my account balance back. But I still haven't received the balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was reviewing my bank statements for the year and noticed unusually high XXXX transactions. So I started to dig and found four transactions made to an XXXX XXXX account that I did not authorize. I immediately called chase and disputed as they were not mine. They initially denied my claim because I did not include two other transactions. Ridiculous because I did not notice that there were more transactions. 

I then tried to re-open the claim by submitting all my payments made to my XXXX XXXX XXXX card. Unfortunately, they denied it once again. 

I had to do the investigation myself. I called XXXX XXXX and gave them the transaction dates/reference numbers/ amounts. XXXX XXXX confirmed that another person had my account number on their amex and was using it. Simple fraud, another person used my bank account to pay their XXXX, but my bank does not want to cover it. 

My bank is CHASE These are the transactions in question XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back on XX/XX/2022 I sent a XXXX letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old addresses still appear on my report. XXXX tracking number XXXX. 

Experian stated they properly investigated my dispute, but how is that possible when all these old addresses still appear on my credit report. This grounds for removal, they also violated my rights under 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 with my written instructions.

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 2023-02-01 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been stating that Harris Bank has been reporting the same account under two different account numbers. I only had one account. According to Harris ' XX/XX/2023 reply my account had reached the statute of limitations for reporting and they no longer were reporting XXXX account. The account that is now being reported is not my account. I have raised this issue several times to no avail.

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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vengroff Williams, Inc
State: KS

Complaint narrative:
These people called me on XX/XX/XXXX about to advise me about an overdue medical debt. I had been making monthly payments to the original creditor since I first received a statement from the original creditor. I had no idea that they turned my balance over to a debt collector. It was not an overdue balance. Also, I never received a letter from the debt collector before they called me. On XX/XX/XXXX, I received a letter from Vengroff Williams, the debt collector. The letter was dated the same day that they called me. I am under the impression that debt collectors are not to contact you by phone until they've given you time to receive a letter ( at least 14 days ). However, since this was not an overdue bill, I called the original creditor to settle it. This was a bill from XXXX that I was not billed for until XXXX. They told me that due to XXXX, they were behind on all of their billing. I called Vengroff Williams today to verify my XXXX balance, and the lady I spoke with ( XXXX ), hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX I applied for an XXXX credit card through Chase Bank because XXXX had advertised a {$60.00} credit on approval. So I created an account with XXXX and applied for the card online about XX/XX/2022. XX/XX/2022 I received an email from Chase asking for proof of address, which I promptly submitted that day with a scanned copy of my Drivers license ; " Please respond within 30 days of XX/XX/2022 about reference number XXXX. '' Chase had promised to reply within 30 days. 
I have an excellent credit rating and have never been denied credit. 
Not having received any further communication from Chase, last week I called the number on the email from Chase ( XXXX ) to follow up. I was transferred from XXXX to XXXX and finally to XXXX in the Fraud Department. XXXX  confirmed receipt of the drivers license and said it looked fine, but told me that someone had flagged it as inadequate. XXXX said he'd place a notation that it looked fine to him, but suggested I resend it along with additional documents through the local Chase branch, which I did on Friday ( Drivers license, passport, XXXX XXXX XXXX all showing the address I submitted on the application ). XXXX said I should get a reply in 3 days, but, again, I did not. 
Today I called twice and twice was told that my application was no longer active in the the Chase system. Both calls were disconnected by Chase mid-conversation. The second call was with XXXX at XXXX at XXXX XXXX  who told me that the application could not be reopened. 
I believe this could be a scheme by XXXX to get people to open an account with the lure of the {$60.00} credit promise. Or perhaps Chase is reneging on the {$60.00} credit as they now offer only a {$50.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
On XX/XX/23 I spoke to XXXX. I requested for statements to be mailed to me with the itemization of charges, amount of the payment being applied to the principal balance and the amount being applied to interest. I was told that it could not be provided to me through mail or email. Nor is it available on their website. I have had a total of {$8100.00} taken out of my checking account they are not applying payments to the principal balance of the account. I still owe {$1300.00} and only borrowed {$2200.00}. To are in violation of XXXX XXXX, FDCPA. I requested a physical address to write a formal complaint and send certified mail. XXXX advised they were directed not to provide XXXX XXXXXXXX XXXX address only a XXXX XXXX another violation. I am requesting the balance be forgiven & payments reimbursed back to me to avoid me filing a law suit against them. I am requesting the physical address so I can prove it to an attorney that intend on retaining if my request are not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear agency I m a victim of ID 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 2023-02-01 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:
Unauthorized account and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
Unauthorized account and inquiries appearing on my credit report.

Company response to consumer: Closed with explanation