vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit 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: U.S. BANCORP
State: CA

Complaint narrative:
Hello, on XX/XX/23 I had lost my wallet and all my belongings inside of it. Inside, contained 2 of my US Bank Cards. I had not realized I lost my wallet until the day after on XX/XX/23. I began to look for it and I realized the next day I would not be able to find my wallet. Then, I had filed a police report that my wallet was lost, but it was too late. Whoever had my wallet went and proceeded to spend close to {$40000.00} on my credit card. I was so upset at US Bank as I never received ANY verification texts or calls to ask if it was me! Also, I am so disappointed in the merchants involved as they did not ask for any ID checks to match with the card, if they took those steps this would not have happened! I called US Bank to dispute these charges and they began to " investigate ''. Their investigation in my eyes was very hostile towards me. I provided every single piece of documentation they requested with no hesitation whatsoever. I feel that the investigation was done unfairly and with bad faith as they were not trying to protect their customer. They conducted that their investigation concluded that they will be denying the dispute, when I asked if they can send me everything through mail or in writing somehow they would decline and that if I had any further issues pertaining to the matter to SEND A LETTER TO THE PRESIDENT OF THE US BANK which sounded like a slap in the face to me. The case managers involved, XXXX and XXXX were ZERO help and very unprofessional. Their numbers are ( XXXX ) XXXX & ( XXXX ) XXXX. I have left countless voicemails with no returned calls, they have left me no choice. Attached will be all the necessary documentation. 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: TX

Complaint narrative:
i had a bank account number : XXXX with pnc with about {$1000.00} in it, and for the last few months i have not been receiving my banking statements, and apparently pnc started charging me a $ 25 monthly fee just for having the bank account open. PNC has refused to waive the fees, and has charged me {$200.00} for doing nothing at al to even service the account. That is just an insane amount of money to take from someone to just have an open bank account, especially since i was never given notice about these fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
on XX/XX/XXXX, i attempted to make a withdraw from my account in the amount of {$500.00} at a XXXX XXXX XXXX XXXX ATM. When making the withdraw from my Navy Federal Credit Union account using my ATM/Debit card the ATM only disbursed {$250.00}, XXXX - {$10.00} bills. Which equates to {$250.00}. After contacting both banks about this error neither bank will accept the irreputable proof based off of their own ATM transaction log.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I monitor my FICO credit score. XXXX dropped like XXXX points. When I looked into it, XXXX XXXX whom I had a credit card with had reported me delinquent for XXXX days. I had paid my card off in full in XX/XX/2023. I was told not to close my account as it could ding my credit score. So I didn't. With a XXXX balance I didn't need to worry. However, The company based in XXXX XXXX charged me a fee every month and never sent me a statement or an e-mail. 

Therefore, saying I was delinquent and reporting this to my credit report. I want to have you contact them and tell them I was not delinquent because since XXXX I have had a XXXX balance.

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 2023-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
This is a small debt from a dental office that I already paid the dental office for. I mailed a check for the full amount of {$100.00} in a week ago to the dental office and the bill said it wasnt even due until XX/XX/17. They were mailing it to the incorrect address so I wasnt receiving their bills. 

I have been getting repeated calls every day from Capital, phone number XXXX, for the past 7 days. I told them on the first call that I dont owe money, but they still call. I have tried telling them they have the wrong number, but they still call. They will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My husband and I have a mortgage through Mr. Cooper/ Nationstar Mortgage . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. 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 from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I repaid my Student Loan to XXXX XXXX XXXX in XX/XX/XXXX. I then applied to get my refund because of the CARES Act in XXXX. My Student Loans were reopened and sent to EdFinancial. I never received my Student Loan Refunds but EdFinancial has reopened my accounts and reapplied my entire balance of {$14000.00}. In XXXX of XXXX I called EdFinancial asking about the status of my refund and if they can remove the remaining balance as I had never gotten the refund. I still have not gotten my refund nor did I get my balance cleared as of XX/XX/XXXX. Student Loan repayments are scheduled to continue in XXXX which will result in interest accruing on a loan that I have already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to file this please as my formal complaint to WELLS FARGO BANK CAR for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-08-29 00:00:00
Product: Credit reporting 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: NH

Complaint narrative:
I have called the bureau to complain about inquiries that are on my report. I have never opened an account with them nor tried to make transactions with them. I have file a complaint to FTC with report number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XX/XX/23 I opened up a saving account at Citi bank and transferred {$100.00}. I checked that it worked so I transferred more money to save using a different device. And because of that they closed my account. I contacted them many times about refunding my money back but they did not refund or reject the transferring money I had to go to the other bank that I transferred from and reverse the ACH authorization and I was able to get my money back. However, I havent got the first transaction {$100.00} back yet, Ive been calling them a several times, they kept saying youll get a check from us during this time but I havent got it yet. According to them, my account got closed XX/XX/23 - XX/XX/23 ( they said it takes 30-60days to closing my account ) and since XX/XX/23 I called them a few more times but I havent got my money back.

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 2023-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services
State: FL

Complaint narrative:
I denied the XXXX  and XXXX  services but was provided anyway without any explanation. I was also told I would not need to pay anything but the business that called the XXXX  would take care of it because it was their responsibility to do so. 
Also, I have got the hospital 's approval for the charge taken care of under their financial assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Fraudulent Charge someone used my credit card online to purchase {$13000.00} XXXX watch from jewelry store in Illinois. 
Charge was made XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Email Alert - Assuming this was declined then another charge was made on XX/XX/XXXX - XXXXXXXX XXXX - Charged {$13000.00} - Text Alert I noticed the charge when I woke up and reported it as fraud to Chase via Chase Customer Services on XX/XX/XXXX - XXXXXXXX XXXX  to XXXXXXXX XXXX  I was told since it is a fraudulent charge, we will take the charge off of your account and issue you a new credit card. 

XX/XX/XXXX - the charge was added back on my card and I was found responsible from the information provided by the merchant to chase The charge was made on XX/XX/XXXX, I reported on XX/XX/XXXX, then chase reported to merchant on XX/XX/XXXX and still merchant shipped the package with XXXX on XX/XX/XXXX and it was picked up by unknown person from XXXX store on XX/XX/XXXX. 

Chase is holding me responsible even though I followed the step and reported it immediately. Chase is saying the evidence are against me and I am responsible to pay the {$13000.00}. They are not putting charge on hold until the matter is resolved. They basically closed the case without providing me any details. 

This is going to hurt my credit and it is going to be collecting interest on the card since I will not be making any payment until the matter is resolved. 

I thought reporting the fraud would resolve the matter, but chase is not helping it anyways. they do not respond in timely manner, and I have to keep calling to get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting 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: Bright Capital Inc
State: TN

Complaint narrative:
I've been paying for 5 months and I havent seen bright capital inc or bright money anywhere on my credit report so I believe they have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
So the company is Synchrony. I opened this credit card at the end of 2022, to pay monthly for furniture that I bought at Ashley Furniture. Since then I have been charged {$180.00} in total fees. My first statement was in XXXX for {$1700.00} With an added fee of {$29.00} and since then I have been charged anywhere from $ XXXX {$30.00} a month. I believe I originally called in XXXX to inquire about these fees. I thought they were late payments because my autopay was set to take the funds out of my account on the day my payment was due, but Synchrony informed me that it wasn't late fees or interest but a security fee? And I would have to take it up with a different agency. They gave me this phone number : XXXX. When I called today I spoke with a woman, I asked her to remove the charges and to stop future fee collection, she repeated my request back to me twice and I confirmed with her TWICE that is what I wanted to happen and she said " You didn't know about the program? '' I said, " what program? '' She then said she was going to put me on hold and speak to someone ... when she came back on the phone she was very formal and basically told me she 'did n't have to information for me and that I would be contacted in 3-5 days '. I said to her, " You just told me that I am enrolled in a program and now you do not have the information for me? '' She apologized and said there was nothing she could do. So now I am in this 3-5 day waiting period ....

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief