vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Last month, they denied my application for the Chase Freedom Unlimited and said they would mail documents explaining why 7 business days later ; they never did. They also claimed on their response to the XXXX  complaint I filed on XX/XX/22 that they addressed these issues via a phone call -- they never did!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/XXXX I had went to the gas station in my town at approximately XXXX at night. When I went to make my purchase my card was denied. I was very confused as I had just gotten paid that day so I should have had plenty of funds. When I got home I signed into my Chime bank account and saw that there was a transfer from my savings account of {$66.00} and from my secondary checking account for {$240.00} both put into my primary checking account and then a withdrawal of {$1400.00} transfered from my account to a gmail account. The funds were then reversed and then a second transfer was made for the same amount to a XXXX account. I immediately called Chime, as I did not make or authorize this transfer and filed a dispute they told me they would email me as soon as they came to a determination. I called them through out that week, then had to wait through the holiday weekend. When I called them again on XX/XX/XXXX they told me that the dispute was closed and denied. I then opened a rebuttal to my dispute, they told me to send in a written statement and the police report I had filed and any other supporting details. I emailed them the statement, the report, and a screenshot of the transfer taking place in my account. I then waited again and called each day again and today I got an email saying they were not changing their decision and closed it again. When I asked why they said they received no new information and could email me the documentions they had but it would take up to 10 days. When I asked to be given the information over the phone they said they could not provide that information over the phone nor could I speak to anyone who could. They told me that I could open another rebuttal if I had new information however I kept explaining that they have all the information that I have. My card was not taken or skimmed, my actual account was hacked into. I have sent Chime everything that I have and continue to say that I have not provided anything new and that no errors have been made. The hacker took everything in all of my accounts, Chime will not provide a provisional credit to help me pay my bills or admit that anything happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

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

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 2022-09-15 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: Sezzle Inc.
State: IL

Complaint narrative:
Company is reporting a charged off account with a balance. The account is active with no balance. They admitted they were having problems with their credit reporting and now are refusing to fix it and taking 0 responsibility.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This debt was not removed from my credit report after I sent a dispute letter to the credit bureaus. According to Federal Telecommunications Act ( 47 U.S.C. 415 ) section ( a ) this account has passed the 2-year Statute of Limitations to collect such debt. Note that I called them today ( XX/XX/XXXX at XXXX ) and they admitted knowing the debt is beyond the Statute of Limitations. The original default with XXXX XXXX XXXX happened in XXXX ( 4 years ago ) and has been sold a few times. I am asking that this debt stop being reported on all 3 credit bureaus ( XXXX, XXXX, and XXXX ) as it is negatively impacting your credit score.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NV

Complaint narrative:
Credit karma offers a credit cards and then you get denied and my credit has dropped. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 Capital One Auto Finance, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX XXXX, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 XXXX XXXX XXXX XXXX Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account Number XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I agreed to 2 settlement offers ( XX/XX/XXXX and XX/XX/XXXX ) that Barclays Card company did not honor. When agreeing to these offers, I asked for documentation to be sent to me for my records which was not done. Representatives are telling me different things every time I call. They are also telling me that my account is locked and they can't provide any information. Even though they are unable to view my account I am still getting statements by email. They also claim that they are unable to pull call recordings for when I made the payment arrangement but pulled the recording when I disputed a charge in XXXX. I put in a claim for both incidents where my settlement agreement was not honored. No one has returned my calls, sent anything in the mail, left me a voicemail nor emailed me. they are also reporting to the credit bureaus about my account with them which is negatively affecting my credit score.

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: WA

Complaint narrative:
Valon Mortgage made a mistake in the type of my property and forced me in buying two insurances ( one hazard insurance in XX/XX/2022 and another lender 's insurance without notifying me or reflecting it in the mail. I contacted them 3 times and they refused to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a Zales account under Comenity Bank. I was charged an interest charge of {$4300.00} in XXXX which made my balance XXXX. I contacted my bank XXXX XXXX XXXX to send a payment on my behalf in which they did. On XXXX XX/XX/2022, XXXX XXXX sent a check of {$7700.00} ( check XXXX ), the check was cashed XXXX XX/XX/2022 according to XXXX XXXX. I sent a image of the check which shows the cashed date, bank, my name and account. To date, Comenity Bank has not applied this payment to my account. I have called numerous times, I have filled disputes and I am being told to wait while they research. I call weekly and interest rates and late fees continue to apply to my account. To date I am still waiting for my payment to be applied. Due to this prolonged delay and stress this has brought into me, I would like the applied interest of {$4300.00} to be completely removed. I would like the payment that was sent to be applied to my account and the balance sent back to me ASAP due to the inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I tried to to dispute transactions made with the XXXX app connected to my Chase bank account. Bank didn't want to dispute transactions because they went through and didn't see them as fraudulent. 
I was asking for 5 transactions to be cancelled 3 of them were for {$1000.00} one for {$950.00} and one for {$400.00} which adds up to {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXr 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

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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The home depot has closed my account according to XXXX, XXXX and XXXX. My home depot card has not been working since last year. 15 USC 1681 section 602 ( A ) States I have a right to privacy. 15 USC 1681 section 604 ( A ) section 2.It also states a consumer reporting agency can't furnish an account without my written permission. I know they have violated the Truth in Lending Act. Under Tila consumers are protected against deceptive practices of misrepresentation, failure to disclose, unfair credit practices, and unfair credit billing, charges made in the wrong amount, charges that appear on the bill but where not actually processed by the consumer. Also referred to as unauthorized charges. Credit Card companies are ordered to provide statements for credit accounts at least 21 days before payments are due. Finally, failure to properly reflect charges or payments to credit or charge accounts.

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have been locked out of my Citi checking/savings account for several months now and the business refuses to help me gain access while continuing to charge me fees. The " security model '' is twisted. I know my online account login name and password. However, I do not know where my debit card is. Yet, validating my identity online to log in now requires me to provide my debit card number ( which I do not have because I do not know where it is ). 

I have attempted to contact the business via phone to regain access, however, they require I give them my debit card number ( which I don't have ) in order to help me regain access. The other alternative they provided was for me to give them my acccount number ( which I don't have because I'm locked out of my account which is set to paperless statements so I have no way of getting the account number ). 

They also refuse to issue me a replacement debit card even after providing them my birthdate and social security number. 

So when I call to get help over the phone, I'm routed to some call center in the XXXX that refuses to help me based on what I said above and they refuse to escalate my case to a manager because they " can't validate my identity ''. They said my only option was to go into a branch ( of which none are located within several XXXX miles of me ). If I try to search their website for a branch near me, there are literally XXXX search results. 

Meanwhile, they are assessing a monthly account maintenance fee for an account I can't even access. My only option was to write to them and ask them to reverse the fee and close my account. I sent this letter on XX/XX/XXXX and I've received no response to my letter but I received two more notices by mail. One saying they assessed another monthly maintenance fee ( bringing my account balance to - {$24.00} ) & another saying my account access has been restricted based on it being negative and them threatening to close my account and report it to the credit bureaus. 

But it wouldn't be negative if I had access to service it or even close it, but they won't allow me to do anything without a debit card and they won't replace my debit card because I don't know my account number. So this literally leaves me powerless to do anything about the situation.

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 monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing a complaint regarding a consumer mistreatment from Wells Fargo Bank. It began with me losing at least {$10000.00} USD on XX/XX/2022 due to a couple fraudulent transactions from my Wells Fargo checking account. There were at least XXXX unauthorized transactions that contributed to that amount and I've requested disputes for all three transactions only to receive a letter stating that they've determined those transactions as authorized and simply closed my claim because they did not see any processing errors. My banker advised me to file an online police report regarding the case and I did just that ; only to see that my case remained uninvestigated over a month after filing the case. 
Later on XX/XX/XXXX, there were another XXXX  unauthorized transactions from XXXX which added up to {$370.00} USD that were lost. I visited my banker again during the same week and they assured me that Wells Fargo would refund me for my lost {$10000.00} USD plus the {$370.00} in the next XXXX business days upon that visit. XXXX weeks passed and I never was credited for the lost amount. Considering that I am currently XXXX, this not only caused a huge loss for my finances but also a massive emotional distress that has been occurring since the last few months ; especially due to the fact that it took almost a whole year to earn XXXX XXXXXXXX through hard labor.

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 2022-09-15 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: IL

Complaint narrative:
On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX 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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Received a letter on XX/XX/XXXX from XXXX on behalf of XXXX XXXX XXXX stating I owed XXXX {$7100.00} I responded to that letter with a VERIFICATION OF DEBT. 

Verification of debt was never received nor was any other correspondence. 

Another letter was received over a year later on XX/XX/XXXX, from a new debt collector CONVERGENT OUTSOURCING INCXXXX requesting the same amount {$7100.00} I responded to that with a similar letter requesting to get DEBT VALIDATED. 

Today XX/XX/XXXX, I received another letter from CONVERGENT OUTSOURCING INC. requesting that I provide the following : 1. Complete affidavit 2. Copy of driver 's license 3. Police Report 4. Proof of Residence I refuse to provide any information to any debt collector until the debt has been validated and the proof is provided.

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 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has reported half of my loans incorrectly to the Federal Database by failing to provide the actual percentage interest rate and instead just calling them " variable '' with no specific percentage interest rate noted. As a result, when I go to " consolidate '' my loans, the federal consolidation system states that the " consolidation '' process would raise the interest rates on ALL my loans to a percentage much higher than any of my current percentage interest rates. Now half of my loans have an interest rate under XXXX percent and the other half have an interest rate of XXXX percent. When I go to the federal site to " consolidate '' these loans, the site tells me that their so-called " consolidation '' would raise the interest rate on ALL my loans to XXXX percent, a horrifying injustice and violation of the federal government 's representation that the " consolidated '' interest rate should be between the current rates, not higher than them. Please tell Navient to report the actual interest rate to the Federal Database, so that the " consolidation '' does not illegally raise my interest rate on all my loans well over and above the current highest rate. Otherwise, the federal government is committing deception and theft through the so-called " consolidation '' process. Unless Navient reports the actual interest rates on my loans, I will be unable to consolidate my loans and will be ineligible for Public Service Loan Forgiveness. I have called Navient Customer Service twice about this problem, and both times they have put me on endless hold until their phone system automatically ended the call against my will. When I wrote to Navient about this problem, they replied by copying boilerplate from a manual that had nothing to do with my problem. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CA

Complaint narrative:
On XX/XX/2022 I sent a letter to Equifax asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the Equifax data breach and I want these accounts deleted immediately as they have cause me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
They are charging me 624 % interest,

Company response to consumer: Closed with explanation