vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX Well Fargo bank deny me access to my safe deposit box.I have complained to everyone the XXXX was at no help.He let the bank right a letter then said case close All my information was wrong that why she said I don't own a safe box.She need to get my checking account get a copy of a check that is written out to Well Fargo for safe deposit box there is one for every year.Im now homeless and expecting for hardship compensation due to this banker unprofesionalism

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 2024-03-06 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: IN

Complaint narrative:
See Attached : I am submitting a dispute. I have recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX, I went to a Chase bank location to open a checking and savings account. The only reason I decided to do this was because I received a promotional marketing flyer in the mail. I have never consented to receiving marketing mail, and have attempted to remove myself from mailing lists in the past, unsuccessfully. However, that is one of the many complaints I have about Chase that is unrelated to this issue. 

The promo was offering {$900.00} if I were to open a checking and savings account with Chase and follow certain conditions ( Set up direct deposit in the checking, leave {$15000.00} in the savings for 90 days ). I gave the representative the promotion coupon and he helped me set up the accounts. I verified that I knew exactly the steps needed in order to qualify for the {$900.00} promotion before I left. He stated that he had entered the coupon in the system and that he would follow up if there were any issues that would cause me not to receive the promotion. 

Towards the end of the 90 day period, I attempted to reach out to the representative that I opened the accounts with. After a few days of tracking down this person, as they had moved locations, I was told that the promo seemed to not have been applied to my accounts. This didn't seem like a big deal at the time, and he said he would escalate the issue in order to get it applied. 

It has now been over a month since the 90 days have passed, and I still have yet to receive either the {$900.00} I was promised or any form of solid answer on when or even if this will happen. It is nearly impossible to get anyone on the phone, and my voicemails are almost never returned. I have been asked if I have the original coupon, which I somehow have misplaced, but this promotion is publicly available to everyone, and is available on their own site ( https : //account.chase.com/consumer/banking/checkingandsavingsoffer ). 

I followed the requirements exactly and I qualify for the promotional money, but they are refusing to give it to me. Not only are they refusing the {$900.00} they promised, but a month has passed since the required 90 days has ended, and this has cost me over {$60.00} additionally in interest I could have earned, had the money not been in their 0 % interest accounts. I could have had this money in my primary savings account for 4 months and had {$240.00} in interest instead. This experience has cost me a large sum of money as well as an even more substantial cost in time and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I do not have any accounts with this agency. I have no agreement or signed disclosures with them.

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 2024-03-06 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I'm from a low income household and even though I received a XXXX XXXX it was not enough to pay for tuition and I had to take out private student loans with Sallie Mae and Navient in order to pay tuition. I was charged excessive fees beginning with initial loan disbursement fees and have since incurred late fees, adjustments, and unjust capitalized interest. I was unable to pay the full amount of all of my loan payments upon graduation as I was unable to obtain a suitable job or livable wages for a XXXX XXXX  after graduating amid the recession of XXXX. I was harassed nonstop by collectors for these loans who even threatened to garnish my wages when I was making minimum wage and barely able to afford rent. The only option I was given at the time was forbearance and interest capitalization. Once I finally had some work experience and was able to obtain a " real '' job in XXXX I was able to begin making payments and have continued to do so despite financial struggles, medical debts and the steep cost of living in XXXX. Although I have consistently made payments my loan repayment period had to be extended due to the loan amounts snowballing over the capitalized interest and fees. The original amount of my loans is {$70000.00} and to date I have paid about {$50000.00} leaving the initial remaining loan amount to be about {$20000.00}. Instead, because of interest and fees, my overall balance is still over my original loan amount and I owe {$79000.00} and I will be in repayment until XXXX. How is it that individuals from low-income households are forced to pay double or triple the amount for a college education due to unfair interest capitalization processes? I was given no choice or other option than forbearance. Interest and fees should be waived for these student loans. 

" XXXX XXXX '' XXXX XXXX XXXX + XXXX '' Origg+Int. 
-Current '' Fees Paid '' XXXX XXXX Would Be '' XXXX {$20000.00} {$18000.00} {$13000.00} {$31000.00} {$11000.00} {$1000.00} {$12000.00} {$6200.00} XXXX {$22000.00} {$17000.00} {$18000.00} {$35000.00} {$13000.00} {$950.00} {$14000.00} {$2900.00} XXXX {$3800.00} {$2900.00} {$3000.00} {$6000.00} {$2200.00} {$300.00} {$2500.00} {$440.00} XXXX {$15000.00} {$13000.00} {$11000.00} {$24000.00} {$9100.00} {$660.00} {$9700.00} {$3800.00} XXXX {$10000.00} {$10000.00} {$6800.00} {$16000.00} {$6400.00} {$230.00} {$6600.00} {$3300.00} XXXX {$6800.00} {$7800.00} {$3200.00} {$11000.00} {$4100.00} {$360.00} {$4500.00} {$3200.00} {$79000.00} {$70000.00} {$56000.00} {$120000.00} {$46000.00} {$3500.00} {$50000.00} {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
They did not call or notify me by mail that I was going to be sued for payment. I was served papers after I made a payment two weeks prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX? XXXX Has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
everytime i go make a purchase example i bought new tires had call 3 times then next day refused let me use card accused me of loaning card to someone else 2 days ago i had to call 17 times just to get purchases done i use card only for personal use nobody else even has access but everytime i try use im blocked or have call but now they refuse to even talk to me say im not who i am it appears they removed my phone numbers this has got to stop on forcing me call everytime right now it says i have XXXX in available credit i have always made my payments my credit limit is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
My account number with Kickoff XXXX, I opened my kikoff account back in XX/XX/2023, we have a current issue, I setup autopay for my Kikoff account during XXXX XXXX XXXX, and my bank was supposed to send Kikoff automatic payments, however I come to find on my credit report with XXXX, and XXXX that there was a 30 day late payment, this is not accurate and false and it needs to be adjusted immediately, my bank was supposed to issue that auto pay to Kikoff and it seems they didnt receive it, upon contacting my bank they said it could be because the account number is in letters and numbers and the system could have had issues sending it, they also mentioned that kikoff could have not received the payment because there under another bank etc. Whatever the case may be, I made my payment to Kikoff and once the issue was discovered I immediately made prompt payment once I discovered the issue. 

I request of kikoff to adjust this late payment thats inaccurate with the credit bureaus and to please fix there systems with auto payments so this doesnt happen again! 


Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
After receiving a, " DARK WEB ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes . '' BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : XXXX. ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX. ) ONEMAIN XXXX : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
XXXX XXXX : Account # : XXXX This account was removed/deleted off XXXX and XXXX XXXX but Experian has not removed yet.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid 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 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
See attached reply that never resulted in obligated error corrections to inaccurate highly damaging false claims of late payments and in damaging false claims of amounts received to pay for a false claim of XXXX late fee payments after the sale of my home. This complaint is not duplicative, and is causing me financial and legal damages currently as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: FL

Complaint narrative:
US bank is an unauthorized inquiry in my credit report, this was opend on XXXX XX/XX/2024 and i dont recognize as mine.. 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

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