vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, regardless if you guys issue a 1099- cor not. Consumer has to report charged off amount as income and income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. 
Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. 
I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. 
Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. 
Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. 
I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.

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 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by XXXX XXXX XXXX XXXX, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX I'm here issues on my credit report i have called to have someone help me removed something's that has been on my credit report to that don't belong to me but they are still showing on my report XXXX or XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Had an auto loan with Wells Fargo. Was charged on the loan for extra insurance even though I had to carry insurance on the car myself. Also car was illegally repossessed and then when I filed bankruptcy, was charged illegal fees.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Chase bank accepted false identity to open an account in my name I didn't open it authorize opening account a money wired was sent to me from my aunt she was executor of grandparents estate she wired {$20000.00} to me to this account she said she received the banking information via text from my phone I did NOT TEXT HER.in an investigation a deputy in XXXX XXXX XXXX XXXX located the woman who opened account and had a debit card in my name verified that she did this but concluded that this is a XXXX crime and I needed to report to my local police that this woman didn't commit a crime? The delays and mis information have put XXXX  months hold up in locating where my money went. {$16000.00} was drained when XXXX froze account. I have received XXXX  from chase who allowed this to happen they are not assisting me in any way only adding to delays for example sending me initial report documents in the woman who stole my identity document were addressed to her and her name as the victim. Understanding that time is important in resolving this I have had XXXX  months of phone calls not returned, nobody trying to help me or work on my behalf I am the victim I am a single parent this has caused me financial hardship and major stress. Nobody seems to care that {$20000.00} has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-02-03 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: MS

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 : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-03 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: MS

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 : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-03 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-02-03 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: CO

Complaint narrative:
I had a Wells Fargo account in college XXXX. The account was set to not let me purchase something if I didnt have funds in my checking account. I had plenty in my savings but would need to manually transfer to my checking account. Wells Fargo still charged me overdraft fees- many times, even though I was not supposed to be able to overdraft.

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 2023-02-03 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: DC

Complaint narrative:
I acquired my credit report and ask the credit bureaus to make sure everything was complete and accurate according to USC 1681 i ( 5 ) I waited XXXX  days and everything was still the same with the consumer agency XXXX Equifax they didn't modify or remove anything the dates of the accounts are not correct I made extra payments and still no results can you please fix it this is stopping me and family from buying a house thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: FL

Complaint narrative:
My number is XXXX please call yMy name is XXXX XXXX XXXX XXXX My identity has been stolen my credit card my social security card been stolen XXXX XXXX XXXX XXXX XXXX I was notified that they have used my identity to receive my social security benefits without my permission I am on my way to social security office I was informed that day used my name to get my social security benefits and I'm not receiving my social security benefits I didn't give them permission to do that can you help me please I am homeless and all I have is my XXXX and they have gotten my XXXX and I need help with getting it back I did not give them no right to to get my my XXXX and I need help and I would like to have them arrested for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XXXX of 2022, I paid my property taxes. I paid it based the bill that I received. Apparently it got there a few days late and they said that I owed another, approximately, {$650.00}, I mailed that additional amount the same day that I got the notice. A couple days later, I got a message from Bank of America that they had sent the taxes and were putting my account into escrow. I talked to them and provided proof that I had already paid the taxes. They notified me that they had applied for and received a refund on what they had paid. Then I got another message letting me know that due to delinquent taxes, they had created an escrow account for buy mortgage. I have explained to them ove4. and over what happened that that there were no delinquent taxes and they had been refunded for what they paid. They refuse to remove the escrow and claim that they can't do so. My property taxes are around {$4500.00} per month one now my payment has gone up almost {$900.00} per month which I can not afford.

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
A man got my personal info and applied for two loans and a credit card in my name. I was unaware that he was getting loans in my name. Upgrade, Inc says I am responsible for repayment of the loan that they advanced. The man had previously deposited money into my account and had me wire it to other people. When the money from Upgrade showed up in my account I was unaware that it was money LOANED TO ME. This occurred in XXXX XXXX The man had me send the money to a woman in XXXX Texas. The next day I discovered what had actually happened and immediately contacted Upgrade and explained that I never made an application for loans, credit cards etc with them. I found a second amount was being sent to my account and told Upgrade not to send it. They sent it anyway. I returned that money to them. Then a credit card showed up in my mail. I cut up the card and mailed it back to their fraud department explaining that I never applied for that credit card. Upgrade opened a fraud/identity theft case. I have contacted the FTC and reported the theft of my identity. Also, reported to FBI on their website, the Tx Attorney General, the Florida attorney general, My bank closed my account and opened a new account for me. ThXXXX XXXX XXXX XXXX XXXX is investigating. Upgrade responded that only the account that I sent the money back was fraudulent and the initial account is valid. Ridiculous. I have asked for all initial applications for credit be mailed to me. This company wants me to make monthly payments of XXXX. My total income is {$1300.00} from Social Security and {$480.00} from XXXXXXXX XXXX XXXX XXXX I would never borrow money with those terms. It is asinine for them to hold me responsible for this money. I have proof that the con man admitted that he was the one who applied for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
The mortgage servicing company " Shellpoint Mortgage '' did not pay the XXXXoperty taxes for one of the rental properties last year. After receiving the delinquency notice from the county in XXXX XXXX XXXX I paid the taxes out of the business account and notified the company of their error. They have still not reimbursed me for the tax payment 4 months later. They also overcollected and overpaid the property insurance bill on XX/XX/XXXX XXXX XXXX. 
They should have collected and paid {$3700.00} but instead they collected and paid {$11000.00}. The insurance company already issued a refund to Shellpoint and although I requested an escrow review and refund for the overage of {$7500.00} I have yet to receive anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My account was opened on or about XX/XX/XXXX under a promotion for {$400.00}. All promotional terms were met and the opening promotion was due XX/XX/XXXX. It is past due and the customer service rep could not advise when it would post.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has been ordered to pay {$3.00} XXXX for the widespread mismanagement of auto loans, mortgages, and deposit accounts. Wells Fargo repeatedly misapplied loan payments Wells Fargo has not properly compensated me for their mistakes on my auto loan.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Got behind on mortgage, did a modification and then what we thought was a refinance. Found out when we sold house years later that there was a second mortgage on property. We did not know that,

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 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND XXXX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM EXPERIAN, XXXX, AND XXXX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.

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