vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX when making a payment online I noticed my available credit balance was {$0.00} though my credit limit is {$3200.00} and my balance was {$1100.00}. I started an online chat to find out what was going on and found that my account had been closed on XXXX. I did not receive a letter as to why. I was then transferred to a specialist who informed me my account was closed due to Discover not being able to verify my personal information. I then was asked to call XXXX to get additional information. I was told I was sent 2 emails and they had called me in XXXX to verify my personal information though I did not receive any communication so was unaware of said request. In the meanwhile, I'm making payments well above the minimum payment and there has been no issues or reach outs to me for anything. 
XXXX {$3.00} Online Cashback BonusRedemption Payment XXXX {$500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$1500.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$21.00} Online Cashback BonusRedemption Payment XXXX {$170.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ending XXXX XXXX {$250.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX XXXX {$62.00} Automatic Payments XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$360.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ending XXXX XXXX {$48.00} Online Cashback BonusRedemption Payment XXXX {$1.00} Online XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ending XXXX I have been a customer since XXXX and do not believe permanently closing my account is warranted when I did not receive any communication on needing to verify my personal information in XXXX, did not receive a letter that my account was closed in XXXX and clearly from the payments I have made above I am fulfilling my obligation and then some in order to have my account in good standing. In fact, as wrong as this is I just paid my balance in full. I am a real person and if something was needed from me I should have been contacted. 

Thank you for reviewing this situation. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My issue is I have never been late on a bill in my life, my wallet was stolen after a friends wedding, I had a card with my account info on it since I was XXXX ( like an XXXX ) and closed that account and opened a new one for peace of mind. I linked chase to my new account and thought that was over and done with. I then 4 months later ( with zero communication ) get a letter of foreclosure on my home which blindsided me! I immediately called and figured out they only had my original account on file so my linking never took place. In turn my perfect credit tanked. Ive supplied bank statements ( showing I have lots of money in the bank ), police report, and they are taking months to respond with a solution. Nobody in person can help me and the department I am forced to deal with is overseas and English is a second language. Its awful! I obviously back paid everything immediately, added an additional XXXX towards my mortgage payment monthly, and paid an additional month to get squared away. They then made me wait ONE WEEK! To link my new bank when I took the old XXXX off. They refuse to fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CA

Complaint narrative:
When I opened a business checking account, the XXXX banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from XXXX for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to XXXX 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my XXXX bank statement. I called. A second time because XXXX never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, XXXX, though my personal account, notified me that a credit check was done on me for the XXXX time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the XXXX credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!

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 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Hi, I am writing regarding a XXXX Ford XXXX that I purchased on XX/XX/XXXX in XXXX XXXX at XXXX XXXX. The VIN is XXXX. 

On or about XX/XX/XXXX, the vehicle began showing signs of engine trouble. About 3-4 days later, to the best of my memory, I took it to the shop where I purchased it and was told it needed a new engine. It was not drivable. It has been parked behind the dealership ever since. 

I purchased this vehicle specifically for my real estate business and have incurred trouble making the payments. I phone Ford Credit and they informed me there was nothing they could do. I phoned Ford Customer Service and they said they would look into it. 

I do not feel that I should have to make payments on a brand new vehicle that I can not access and that the bank and manufacturer can not provide relief to the problem. 

Please tell me who I need to speak to. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 2023-05-10 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: 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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I bought an used vehicle and the car dealer got me financed with Credit Acceptance Later when I checked on an auto loan calculator, I realized that I was being billed much more than the actual loan payments and the loan company wouldnt explain or show me why there was a large difference of money between the actual loan payment and my monthly payments. I struggled with them to straighten that out and I ended up surrendering the vehicle to them and let them take it back on XX/XX/XXXX. I read that there was a lawsuit against that loan company for overcharging customers and I was one of them.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In my original Complaint, Number XXXX, against Wells Fargo , I confirmed my identity to the first call-taker and was told that the restriction on the {$5000.00}. deposit was removed. The next day, XX/XX/2023, I again contacted Wells Fargo and this call-taker informed me that the restriction was not removed, and that she was now removing it. 
While I was online with this call-taker, I checked my account and saw that the deposit was not honored, and I informed the call-taker. 
She then proceeded to tell me that the {$5000.00}. deposit was cancelled. 
In a Wells Fargo 's subsequent letter to me, it was stated that they were not able to confirm that I authorized the activity, and restricted my access to online banking, ( of my checking account ). 
Truth be told, I informed Wells Fargo that I authorized the deposit activity. 
I did so more than once. My acknowledgements were totally ignored. 

I had requested that the deposit be reinstated, which was also ignored.

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 2023-05-10 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: MS

Complaint narrative:
I have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was trying to open and account, had some questions. I called and spoke to a male operator who did not know the answers, I asked for a supervisor when he hung up the call on me. 

I called again, and this time I got a supervisor on the line, but the supervisor did not know the answers and started giving me misleading responses. 

I called a third time and got another supervisor on the call. I asked her to get the bank 's executive office to contact me, she said she will escalate this to the executive office and they will reach out to me within two business days. I never heard back from the executive office.

It appears that starting from the phone operators up to the executive office all people at Ally are 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
After working with Wells Fargo for over 2 months on this issue I have just been told that the resolution for the issue is for me to contact the condo association and request a refund to Wells Fargo from my XXXX account on their behalf even though they made the payment in error based on incorrect information given to them by the condo association. At the time that wells fargo made the payment in error the account had been paid in full and kept cuare n't to this point today. I provided Wells Fargo the documestation verifying the payment and the day It was made which was Approximately two months prior to their payment that they made based on Inaccurate information received from the condio association. I feel that the given resolution by Wells Fargo is completely unsatisfactory. I feel that the responsability to ask for a Refund from the condo association should be done by Wells Fargo since they made the payment in error based on incorrect information from the condo assocpatient. I feel that I am not responsible for their mistake. Therefore I should not be responsible for requesting the refund wells fargo from the condo association. In addition to this complaint I would like to request any information I can get on on any regulatory agency that can assist further with this issue. These CFP B complaints have not been effective in getting Wells fargo to fix the mistakes they have made so I would like to escalate the issue to a higher authority Than the c f p b to get a satisfactory resolution of this issue.

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 2023-05-10 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: HI

Complaint narrative:
I sent XXXX and Tranunion certified letter showing my XXXX payment was never late. Call millions times.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
I submitted a complaint through the CFPB against this company in XXXX, 2023 regarding a debt that was previously adjudicated through my credit card. I was advised by the company, through this website, that my account was closed. 

Today, XX/XX/2023, I received written notice from the company regarding same debt. When I attempted to dispute it online, as the letter said I could, the website directed me to call - I have no idea why they say disputes can be completed online when all their site does is refer people to call. 

I did call, was not able to understand the persons name, but the call was placed at XXXX EST. I provided the account number on the letter and was advised that the company was told XXXX week ago not to contact me ( this is not true - I received notification in XXXX this was over ) They are still trying to contact me after saying they would stop - she assured me I would not receive anything else, but they did that in XXXX. This needs to stop. The debt was already adjudicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: AZ

Complaint narrative:
I sent a letter on XX/XX/XXXX XXXX XXXX. Here is the Tracking number XXXX, to XXXX tracking number XXXX. I sent a second letter on XX/XX/XXXX tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate 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 's. However, such information shall not include specific factual information on a consumer 's 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. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Incorrect personal information is being reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Security Credit Services, LLC
State: PA

Complaint narrative:
ON XXXXXXXX  I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I had a wells fargo cash card since XX/XX/2022. I had about XXXX spend on it so far and XXXX dollars in cash rewards. When I set up the account had my penfed savings account set up as a payment account. Since then I had opened a checking account with penfed. 
When I made a payment didn't realize it was my savings account instead of check, with funds in checking account and payment got returned as insufficient funds. I didn't see the payment go through from penfed, so transferred the money to my chase checking account and paid it. I got a letter few days later saying my account is closed because of this. All my rewards points were lost as well. 

There was no communication about returned payments and no warning about closing account, so I could redeem the points. When I called, customer rep told me, Wells fargo was unable to contact me, so they just closed the account! There was no letter, phone call, email etc ... All I got from Wells Fargo was a letter saying my account is closed. Least wells fargo can do is redeem my points and send check before closing the account, or freeze the credit account, so I could redeem the points before closure. It's like basically stealing my money, XXXX XXXX So disappointed with the bank. Is there anything that can be done to improve banking communication and customer service, so this doesn't happen to anyone else again. Thank you so much.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aidenbaum Schloff and Bloom PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX sending me XXXX XXXXXXXX letter and regular letters in the mail about a debt my mom XXXX XXXX owes XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) for {$29000.00}, and more. I never gave my information to them and this is not my debt. I feel harassed at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: AL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-05-10 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: AL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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