vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Excessive phone calls from misleading numbers Caller id states it's from a XXXX XXXX on XX/XX/2023 at XXXX, XXXX, XXXX. When I reverse looked up the number it came back as Midland credit. 

Had calls from XXXX caller id states it's XXXX XXXX but reverse lookup comes back to Midland Credit. approximately on Numbers from XXXX XXXX link to Midland Credit have also called my number. I have been receiving at list 4-5 calls from Midland credit everyday for multiple weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
In XXXX I received a letter from XXXX XXXX credit card company saying since we had not used this card in a long time, they would be closing the account unless it was used. This account had a XXXX balance and had for years. To avoid this closing causing a lowering of our credit rating, I used it. XXXX charged was {$1000.00} The bill arrived in XXXX. Because it wasn't on our payee lists through Wells Fargo, I added the account and on XX/XX/23 paid {$500.00} on the bill. Wells Fargo processed the payment on XX/XX/23 with an arrive date of XX/XX/23. Payment due date was XX/XX/23. 
Yesterday, I received my statement from Citizens XXXX saying I had not paid on the account and that I was being charged {$29.00} late fee and that the credit limit had been lowered to {$1400.00}. Today, I called XXXX XXXX and was told that Wells Fargo had mailed a check which they received on XX/XX/23 and did not process XXXX. Thus I was late and deserved to suffer their consequences. 
First off, I could have mailed a check but chose pay digitally through Wells Fargo bill pay. 
Secondly, there was no notice from Wells Fargo that they would be mailing a check rather than a digital payment at the time I added this payee. Nor was there any follow up email or even snail mail notification of this choice by Wells Fargo. 
When I called Wells Fargo, after getting no satisfactory help from XXXX XXXX, I was told they couldn't help with this because they need to talk to my husband or he needs to be on the line to talk with me! This is a joint account from which we pay our bills. In fact, all the accounts we have with Wells Fargo are joint accounts. Per WY and federal law, I have every right to this account and all information included per the account. 
In essence, this complaint has several parts. 
XXXX ) Wells Fargo will not discuss the account with me- an owner of said account without my husband on the line!! 
XXXX ) Wells Fargo should, and must, be up front when not making payments digitally but instead sending a check when they get around to it. 
XXXX ) Wells Fargo needs to correct their error by paying for the late fees incurred due to their negligence. 
XXXX ) XXXX XXXX must be notified in writing by Wells Fargo that this was their error, not mine. We should also receive a copy of this notification. 
XXXX ) XXXX XXXX should be required to restore our credit line to previous amounts and not make any detrimental statements or notifications that would adversely affect our credit scores.

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 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
Due to my status as a XXXX XXXX XXXXXXXX veteran, the state of Maryland does not require me to pay property taxes on my home. Therefore, last fall, I requested that our mortgage company, First Home Mortgage, no longer require us to pay into an escrow fund to cover property tax payments to the county where we reside. First Home Mortgage did reduce our monthly payments accordingly in or about XX/XX/2022 and promised to refund the escrow overage within 30 days. We never recieved any refund of our overage, notwithstaning my again requesting a refund nearly a month ago. We are current on our mortgage payments and there are no other issues. However, we believe that the escrow account associated with our mortgage contains an overage to which First Home Mortgage is not entitled, under the law, to withhold from us. I'm attaching copies of my communications with First Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-02-23 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T bank is reporting charged off account on my report for about {$500.00}. I have never received any collections about this account. I have never had a M & T bank account. I reached out to find out more about this account and theyve been unable to assist me in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp.
State: HI

Complaint narrative:
I, XXXX XXXX XXXX XXXX On XX/XX/XXXX purchased a XXXX XXXX XXXX from XXXX XXXX XXXX which was financed through UNITED AUTO CREDIT. After all, contracts had been signed as well as a cash deposit of {$2800.00} USD I was given keys for the vehicle and instruction on getting the vehicle insured. I was also told that UNITED AUTO CREDIT will be giving me a welcome call which I would verify all information on file set a payment plan and that would finalize the contracts. All of these events occurred and i made an attempt to make my first scheduled payment. I was denied access to the online payments option, so I contacted UNITED AUTO CREDIT customer service. I was then told I had an account but no longer have an account and to contact to dealer. So, after having concerns about the situation, I contacted the dealer in person. I had many questions regarding why I haven't received my plates and tags as well as the situations of my account being inactive with UNITED AUTO CREDIT. I was told my tag was delayed " no specific reason '' and was asked to sign a new contract since it was problems with the old XXXX. Red flags immediately appeared as the dealer took the previous contract and copy and paste it to a new contract without UNITED AUTO CREDIT. I then left and proceeded to seek legal advice clearly being a victim of auto fraud. After waiting for some time for some form of legal action on behalf of XXXX XXXX XXXX  I never heard from them again since XX/XX/XXXX. On XX/XX/XXXX A unidentified person came to my residence and told me he was with a XXXX collection company which later other unidentified people arrived with unmarked cars and a tow truck " with no logo nor company name '' and attempted to repossess the vehicle with no prior notice nor documents showing I had a new contract " In-House '' contract with XXXX XXXX XXXX  nor provided me with documents that proves I deliberately avoided making payments. The unidentified person had a hand full of falsified documents and tried to coerce me into submitting the vehicle. I am now hiring an attorney to assist with this situation which has become very hostile and law enforcement have no grounds to intervene for concerns of a civil issue. Since this is actually " XXXX '' as well as trespassing on private property and harassment I decided to make this compliant. Thank you for your time and I'll be looking forward to hearing back from you soon sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 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 2023-02-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 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 2023-02-23 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: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items 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 non-monetary relief
Consumer complaint received 2023-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the experian, XXXX, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response

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 2023-02-23 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: NY

Complaint narrative:
I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit 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 explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX there were two transactions out of account for XXXX as well as XXXX as a transfer to a 3rd party. I contacted chime to let them know said party was NOT intended recipient. Chime Representative stated that I should request money back from recipient in which I dont know the recipient nor do I use the pay friends gesture and havent since XXXX of XXXX. Also received text confirming if I attempted to send XXXX XXXX and I declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Chase bank the issuer of my credit card. The Amazon prime card that I was provided was lost and used without my authorization at XXXXXXXX XXXX for 3 transactions totaling XXXX dollars. Upon contacting chase bank I was told the matter will be resolved. The amount was initially refunded to me. Today ( XX/XX/2023 ) chase bank has revoked my credit card for the amounts previously refunded. Upon contacting them. They said that they dont know why the transactions were billed. This is a clear violation of their policy. I requested these transactions be removed from my card but with no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-23 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: GA

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. 

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I used to have a credit of about us {$5000.00} in my account with CHASE credit card. It was a refund from a trip I had to cancel. Instead of wiring that money to a checking account for example, CHASE decided to send a cashiers check to my international address ( in XXXX ) without informing me. There was no email or phone call saying they will mail that check. In XXXX, where I live, the post is not super secure and I would have never approved that action. When I realized what happened, the money was gone, I called the company for the first time on XX/XX/2022 and they told me somebody cashed the check. They had a picture of a fake signature ( apparently on XX/XX/2022 ). During the last year, I spoke with at least 15 different people. First, they said they tried to cash the check but was rejected ( naturally because the signature was clearly faked ). But then, Chase refused to give me my money back and told me they need time to start an investigation. Every time I call, they say something different and usually that they need 180 more days to find out what happened. I keep explaining that nobody can cash a cashiers check in XXXX ( there are no banks that do that ). This should never be the clients fault. Any other company by now, would have returned the money to the customer. A check was stolen in the mail ( a check that they never told me they would send to a foreign address ) and Chase can not fix it, they keep telling me to wait. Its been 1 year now and I get no answers. For Chase = Reference number XXXX

Company response to consumer: Closed with monetary relief