vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My dispute involves a missed payment reported by XXXXXXXX XXXX to the credit bureaus for a credit card, Account XXXX XXXX XXXX XXXX XXXX This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX  never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXX XXXX. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXXXXXX XXXX  that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXXXXXX XXXX  reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXXXXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please see attached file

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 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX  based in XXXX XXXXXXXX XXXX has filed a lawsuit in XXXX XXXXXXXX XXXX against myself ( XXXX XXXX, formerly XXXX ) to collect a debt ( that I believe I may actually owe ) without ever contacting me. I have received no mail, no calls, and no emails from them. Ive still not even been served. I only found out about this filing because I received a letter from an attorney offering their services to fight the case. I have now made 3 attempts to contact this debt collector- twice by phone, once by email, and have not yet been able to speak to a human being ( I reached voicemail for both calls ). This company is making no attempt to collect the debt in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have a mortgage payment I have a car loan my car is not have it because XXXX he will get back with my car oh XXXX XXXX I lost XXXXXXXX XXXX  pay for them and mortgage payment also because its nobody help XXXX exiting the car my car is no pay for them and XXXX XXXX  I have a doctors note also

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 2022-11-08 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX 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

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 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
This is a newly developed situation that is a continuation of complaint : XXXX In XX/XX/XXXX I had issues with the company where I decided to close my account with Indigo ( XXXX XXXX ) credit card. The company had been informed of fraud on my account which successfully was reimbursed for. I closed the account in XX/XX/XXXX due to various reasons, one being the card company kept allowing fraudulent charges even after informing them the charges were not authorized. 

Now, beginning of XX/XX/XXXX I received a notice from Indigo that there were charges posted to my account which was supposed to be closed and no longer available to be used. I have informed the company this again is fraudulent and the card is to be 100 % closed an no longer able to be used. 

The company will process this against my credit report as being late which I am attempting to fight before it happens now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I need this company to prove that that is my signature on the documents that they claim they have. If that signature can not be proven to be mine, then this fraudulent information needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: KY

Complaint narrative:
Received statement from Sequium asset solutions LLC stating I owed XXXX XXXX money for tv and internet services which I verified with XXXX XXXX was not due and they did not send info to Sequium for collection. Scary that Sequium could get that info. Tried to contact Sequium but could get no one to call me back. According to XXXX XXXX XXXX  there are numerous complaints against this company and it is not accredited by XXXX Sequium needs to be put out of business and someone accused of fraud. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Every summer I go on a trip to XXXX XXXX to visit family and friend and XXXX months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo branch and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX XXXX me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.

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 2022-11-08 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: IN

Complaint narrative:
Equifax did not read my request. It was clearly done by an automated system. My credit was dinged with multiple inquiries and the name on the inquiry is spelled wrong and is clearly not my current address. Equifax refused to rectify this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter XXXX years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX to XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now XXXX years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well

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 2022-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I received a letter from the bank that said I have an account that was put on hold due to unusual activity. The bank provided a XXXX number to call to verify my information. I only provided my name and I denied my SSN because I suspected fraud. 

I would not open and never opened an account with another bank that's out of state. I have my local bank that I deal with. 

I was told by the customer service representative that my SSN and personal information was used to open this account. ( On the letter that I received, there's the last 4 digits of the account number ).

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 2022-11-08 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: PA

Complaint narrative:
For the past XXXX years since I consolidated my loans with Navient, I have been paying {$520.00} a month with an agreed maturation date of XXXX/XXXXXXXX. I recently went back to school, which I am paying for out of pocket. I did not apply for loans. Without calling or emailing, Navient deferred my loans. I called within XXXX hours to inform them I did not want to defer my loans request they revert to the previous payment plan with and end date of XXXX/XXXX/XXXX The next month I was charged {$510.00} and I received an email from them saying they've changed my payments to {$500.00} a month with a maturation date of XXXXXXXX I never asked for this. They are unwilling to understand or help me online. They are using the same tactics they used when I first graduated school and convinced me to take a forbearance so I am now paying more than double my loan amount. I would greatly appreciate your help in getting my account back to the agreement we had. I would also like to be part of a lawsuit against Navient as they entirely look advantage of me as a student when I borrowed $ XXXX I am repaying over a {$100000.00}. My interest at this point is more than 50 % of my remaining loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: FL

Complaint narrative:
I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.

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 2022-11-08 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
FNB has charged me {$110.00} for Returned Item Fees for 2 attempted transfers. 

1 ) I tried to transfer my checking account balance of {$400.00} to another bank. FNBs website allowed the transfer of my full balance, but then tacked on a {$0.00} fee, which resulted in a {$0.00} overage and a Returned Item Fee of {$37.00}. 

2 ) With my account showing the transfer failed, but not showing the {$37.00} fee, I had a balance of {$400.00} again. I tried to transfer this balance to my brokerage. FNB hit me with another {$74.00} Returned Item Fee because my account balance was only {$360.00} when the website stated {$400.00}. 

3 ) I have tried twice now to contact customer support via Chat. Each time, I am told I will receive a call back once customer support reviews the problem. I have never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: LEXISNEXIS
State: LA

Complaint narrative:
In ordinance with the fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 
This company and 3rd party bureau iolated my rights. 
15USC 1681 section 208a states I have the right to privacy.

16 USC 1681 section 604 a section 2 states it also states a consumer reporting agency can not furnish my account or account info without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not own this account! This account does not belong to me! I have never opened a card or loan with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi.

Thanks.

Having issues with Amazon Store Card issued by Synchrony Bank. 

Making payments and one {$170.00} that went okay but the other {$85.00} was rejected and instead of notified that it happened and me making other arrangement and they decided to credit it and then take it away like I made a purchase of {$85.00}. 

And not only that but they said that I made a {$87.00} payment which I did not made. And did the same as the {$85.00}. Told them i only made two payments in the app. {$170.00} and {$85.00}. 

Not {$87.00} in the website where they said that I did. 

So credit again like a purchase and then take it Back. 

Made no sense but ripping me off. By {$170.00} plus interests charges of $ XXXX {$18.00} on that purchase. 

Errors and mistakes with them since XXXX until now so need my 3 months of my time dealing with this which comes up to {$45.00}.

Photos do not lie.

The photos show that error clearly.

XXXX XXXX XXXX  to XXXX XXXX two payments not three.

They added a payment of {$87.00} in between.

What more worst they have it like a purchase.

Also had recording of calls made to them not only photos.

Appreciate all the help you can give me.

Thanks. 

XXXX XXXX. 

Card ending in XXXX.

Supposed to transfer to a new card as promised when started the fraud investigation but new card they send is not good.

They keep the XXXX and continue denying my claim.

They keep playing around with me.

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 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I wired transfer monies and got scammed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This may have to do with JPMorgan Chase again playing games and trying to ruin me. I requested my statements. By law I am allowed to get my statements. They continue not sending me this year. 2022. I asked for XXXX to present and they keep sending me one month. I have had two Checking accounts and two savings accounts with many months for 2022. They closed it upon me not being asked. I have a letter that I can publish in which they say the decision was mutual. This was not done mutual. They took it upon themselves and back dated the letter the day before they tried to close the accounts. They were caught in such a lie. Which shows that they didn't even contact me. This was done by one or two malignant people in which I have their full information. I have called about seven times and have a representative at a branch help me get my statements and they are holding them hostage. Just like they did with my money. They will not give me one simple request. A full year for 2022. I am talking every month. Not just one month. This company is beyond evil and they are doing this on purpose. I need the statements and I have no idea what to do. LEGALLY I am entitled to get them. I hope the public and the FTC can see how malignant JPMorgan Chase is. They are harmful and they will ruin you physically. I almost got hurt by a manager in which I have her email and her name and the security guard. My elderly mother who is XXXX was also going to be the victim. I recommend not to walk, nor deposit your money with them. I am not ever going to step foot into one of these branches. I am scared out of my mind. I hope someone can do something about this.

Company response to consumer: Closed with explanation