vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Back in XXXX there was several checks deposited into my account that was not mines nor that I didn't deposited and I was charged a nice fee. Then back in XXXX the same thing happen again both times I had to pay the bank back and open a new account

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 2023-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I have already filed a complaint against this company ( XXXX ) but called again today after getting a secure message back ( after a XXXX month wait ) to be told that they still do not have an update on when they will process my PSLF forms. They state there is nothing that they can do, that they had over 2 million loans " dumped '' on them and they are doing the best they can but are understaffed and unable to do anything for me. They are rude and can not provide any information as to the status or estate time, I was told I would be transferred to a supervisor but was dumped into a survey and then disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) application for employment, ( 4 ) a court order.

The following inquiries are related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
1. Capital One Hard Inquiry XXXX XXXX unauthorized inquiry 2. Capital One hard Inquiry XXXX XXXX 3. Capital one hardy inquiry XXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit 2 ) date they purport I gave permission 3 ) method they purport that I gave permission Please include documentation of said permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
I had previously placed a complaint against XXXX XXXX  who kindly remedied the incorrect information however experian constantly claims they have not received the information, yet the other two have. They refuse to allow me to send the email showing the error and correction. They claim when they see my credit it doesn't show anything negative this is incorrect as I pulled my annual report and the experian three credit bureau report that still shows a late payment. I pay for their service also. I have exhausted every avenue of contacting them, and they do nothing.

This is violating my rights under the FCRA and causing it to reflect bad toward other creditors looking at my account.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been an Amazon customer for many years. In order to get additional points you are required to use their credit card. I had and used Chase CC because that was what was required. 

I managed to accumulate more than {$1500.00} in points. When I reached {$1000.00} they offered to send the money to me however I didn't want the funds to get used for other purposes and I had something I wanted to purchase when it reached {$2000.00} so I said no. 

Chase Bank seemed to have endless security breaches. I was getting many " customer fraud department calls. Dept does not exist however I had to get a new card on more than one occasion because of a compromised account. We have 3 other credit cards and while at the time they didn't get used like our Chase account we have never had these problems with other cards. It is a nuisance to change account numbers. We had many charges go directly to the account and it took months to undo the mess every time we had to change accounts. 

We had another breach last spring ( date? ) and I had had enough and I told them to close the account and send me my reward money.j The agent I spoke with told me I had to get the money from Amazon. If indeed they record their calls, which they say they do, this should be verifiable. 

I spent MONTHS trying to get through to Amazon reward dept,. I keep getting " system down being worked on, ( not the exact verbiage ). I was sent from one customer service person to another. I do have some correspondence from Amazon where they told me if I didn't get resolution from Chase to call them back. I did and endless agents later was told I had to reopen a Chase account. I did and when the account was established I tried to recover my rewards again and was told I the time had elapsed and I had lost the money Back to Amazon, endless customer service people again only to be told they could not help me. I confess I gave up but I just can't let it go. This is a lot of money to me and I feel I was cheated out of the money. 

Any help you could give me would be appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized JPMCB Card Services Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Someone opened a credit card with Chase Bank in my husbands name, we only found out about it when we went to apply for a car loan and saw we had a balance of {$18000.00} from chase bank. We have never banked with chase and after this never plan too. We contacted the credit agency, and chase bank and got it resolved, the balance wiped from our credit, and chase bank closed the alleged account and have noted it as fraud. Since then we have been getting calls from a so called chase bank saying we owe a balance on our chase credit card of {$18000.00} and they want our social to confirm and make a plan for payments. A total scam and they call me every day XXXX a day. So sick of these scammers. Their phone they call from is XXXX ( XXXX ) XXXX please get these credit card scammers and stop them from taking peoples identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have talked to Equifax three times, with the last date being XX/XX/XXXX. I have explained to them ever since the data breach I can not access any credit information, my report says there is none to report. It also shows the last credit score in XX/XX/XXXX. This issue has caused be to be denied a loan because my creditors are unable to look up my information. I was told several times, this would be corrected and technical support would reach out to me, but the issue still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-19 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Had someone depositing money then turn around and take it out, overdafted me and set me back like 6 months of payments on my power bill. Closed my account and went to another bank but still have info on account

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-19 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: NY

Complaint narrative:
This is a second filing for cfpb complaint # XXXX which was again denied by AT & T XXXX XXXX I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned XXXX of these shirts in 2022. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were issued to XXXX. XXXX forwarded the credits to AT & T XXXX. The account number used by XXXX ( ending XXXX ) was one that had been replaced with a new credit card number ( ending XXXX ) due to a breach on the original credit card number. ATT XXXX assured me that the credits sent to the old account number would have transferred to the new number. I have opened 3 separate disputes on these payments with AT & T XXXX and all have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX gave the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to ATT XXXX. I provided ATT XXXX with the XXXX account statement showing the credits had been sent to them. XXXX says the problem is with XXXX. XXXX says the problem is with AT & T XXXX. I have attached the XXXX XXXX refund copy from their website, the XXXX transactions for {$30.00} and {$36.00} and the XXXX XX/XX/2022 Statement showing the transfer from XXXX to AT & T XXXX. Someone has the {$36.00} and {$30.00} refunded by XXXX XXXX- and it is NOT 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 2023-01-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-19 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: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
XXXX - XXXX XXXX- {$6000.00} The above charge was found on my credit card after an audit. I reported this charge to XXXX XXXX XXXX XXXX as soon as I found it. I've reached out to the merchant, and have not received any response. After reporting this charge I received a letter from XXXX declining my claim for fraud, stating that I had made payments on my credit card with my debit card, so it was not fraud. I don't understand how I am being penalized for paying my credit card on time, as I always do. I called back to explain to the representative that this is unacceptable and I need a resolution. I noticed this charge after I had an audit, which is why I continued to pay my credit card on time, they claimed to understand where I was coming from. I re-opened the fraud investigation, only to receive the same letter denying my claim, due to me paying. I spent hours on the phone, not on one occasion, but two and nothing has been resolved.

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account identification # XXXX has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo did not pay FHA loan off when we paid off mortgages. Resulting in filing bankruptcy due yo garnishment of wages

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
According to 15 USC 1666- 1666 J, The signer and cosigner / creator/ beneficiary are filing a billing error on the account listed in the attached documents. Mazda financial Services has treated me and the signer with extreme prejudice, and violated my rights as a consumer from the very beginning of the contract by not giving full disclosure on the terms and method of the creation of the commercial contract in question. Both the co signer and signers signatures were transmitted from what was really signed and a name that is not the name of either the signer or cosigner was placed underneath the contract that is a variation of either a deceased person or a fictions person. A offer according to UCC 3-603/3-311 was sent for accord and satisfaction with a conspicuous statement which stated in short, that upon redeeming the tender of payment the claim would be paid in full. Mazda Financial Services redeemed it, ( Documents are attached ). So After this Mazda Financial services sends a letter threatening the signer and cosigner to repossess the vehicle in question which has caused mental anguish, fear, and panic attacks for the signer and cosigner, which is illegal according to 15 USC 1692 ( d ), ( 2 ), 15 USC 1692 c, ( a ). This is only a few violations in short that Mazda Financial Services has done to violate our rights as a consumer with more violations to be addressed in the near future. Also all documents enclosed were also mailed to Mazda Financial services in addition to being attached to this complaint.

Company response to consumer: Closed with explanation