vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo closed my account stating that I was a security threat like I'm some XXXX without explaining how or giving me good reason. My information was stolen and I put in a fraud claim with them after my account had been used without my authorization next thing I know adverse action was taken against me and my account was closed without my consent.

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 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was contacted by Rocket Mortgage about my existing loan with them. I had a lapse in insurance coverage on my homeowners because I was switching companies. At the end of XXXX ( XX/XX/26 ), I contacted Rocket Mortgage due to a charge of over {$400.00} for a month of homeowners insurance showing on my statement. At that point, I spoke to their representative named XXXX and XXXX and myself had a 3 way call with my new insurer at XXXX ( agent is XXXX XXXX ). Once on the 3 way call, XXXX told us that since there was a lapse in insurance, all we would have to do is upload a statement of no loss to their portal ( Mycoverageinfo.com/agent ) in order to get that charge removed. We did so that same day. 

Now over a month and 3 more calls later, my agent and I are being told that the statement of no loss will not suffice, and I'll be stuck paying over {$400.00} for insurance I never agreed to and was told would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Over a decade ago, I was accused of " potentially '' running a business out of my home by JPMorgan Chase Bank. Even though my employer 's DIRECT DEPOSIT checks were going straight to the bank, I was asked to provide evidence that I was not running a potentially troubling business [ long story short ]. At that time, during the questioning I received at a branch, in person, the " red flag '' that was apparently setting off their system was that I had too much " money coming in '' and was also " spending too much money '' [ to the effect of ]. XXXX XXXX  I pay my mortgage and bills [ which I provided full evidence for, although I shouldn't have had to, XXXX XXXX XXXXXXXX ]. 

Finally, they had [ supposedly ] cleared my account and allowed me to continue banking. However, they continued to choose that I was a " risk '' and flagged my account as " undesirable '' without explanation. Whenever I tried to get an explanation, I was told that they didn't need to tell me. I, luckily, had an insider who was willing to show me that this was the case. My account was flagged as that I was curious as to why my account closed and that I was to be told simply that Chase was " exercising its rights '' and didn't " need to provide an explanation. '' My attorney had said I may have a valid complaint, but that it may take many, many years to see it come to fruition. I licked my wounds and bowed out. Someone else didn't. A class action filed against Chase for shutting consumers down without explanation while first insinuating wrongdoing on the consumers ' part was successful. 

I decided that, given the fact that I have a completely clean record, I may try to get a credit card. I applied for an XXXX XXXX XXXX, was approved, given a credit limit and I was off. I also have an auto loan that I am currently and faithfully paying. However, this didn't stop Chase from closing my credit card account, once again, without any explanation other than " previous undesirable relationship. '' I'd really love to know what I did wrong and why they continue to discriminate against my having business with them when the only evidence they can provide to me is " we don't need to provide evidence '' as to why they mistreat consumers with good records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Netspend Corporation
State: VA

Complaint narrative:
I was a victim of credit card skimming, the information on my card was used to make multiple charges on my account in less then 24 hours, I don't even live in the same state these transactions took place and my bank isn't doing anything about it.

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 2023-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA

Complaint narrative:
I was in the process of fixing my credit so that I am able to purchase a home. I contacted the original Company, XXXX, and was advised that my account was sent to Crown Asset Management LLC. I don not recall being informed that my account would or could be sold to a third party. In spite of this, I proceeded to contact this company at XXXX. Upon calling I was informed that my account has not yet been assigned to a representative and that it was pending placement. I asked how long would that process take the Operator advised that she was unaware and that it depends. She advised me that she could take my information, add it to the account, and when my account is " placed '' they will see the notes that I called in. This was roughly six or so months ago. Between then and now, I have continuously called, on numerous occasions. One call I was connected to an XXXX voicemail. I left a detailed message ( XX/XX/XXXX and XX/XX/XXXX XXXX ). I have yet to receive a call from her. I called back repeatedly. When doing that I would be transferred to a busy signal. When I called back and tried a different option, I was again sent to a voicemail ( this time not XXXX, but a general voicemail box ). I left more messages. Still no one has contacted me. I even made the attempt of contacting the Company via XXXX. I seen an XXXX XXXX, and made an attempt for someone to call me back. I have contacted XXXX and was advised that I could file a complaint on the Company and dispute. I am doing both. Please investigate this Company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NY

Complaint narrative:
A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, XXXX, Transunion and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!

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 2023-05-30 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: NY

Complaint narrative:
A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores! 
Each company stated ok! 
Each bank supposed to cancel all credit cards! 
Then send me new credit cards! 
Not one of the banks canceled or sent new cards! 
I have called XXXX, Equifax, XXXX and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I had a collections on my account from XXXX  this collection was with XXXX and was found not to be mine and was taken off my credit report once addressed. I recieved a email notifying me it was removed from my credit report. It was resold to waypoint, and put back on my credit report and is now holding me back from certain opportunities.

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 2023-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc.
State: TX

Complaint narrative:
I routinely check my credit score once per month. On XX/XX/2023, I checked my credit score on XXXX and noticed a XXXX point drop from a credit score of XXXX ( XX/XX/2023 ) to XXXX ( XX/XX/2023 ). Looking at my credit report, I saw a fraudulent " collection '' charge from ACCESS RECEIVABLES MAN on behalf of the original creditor ( XXXX XXXX  XXXX XXXX ) for {$530.00}. The fraudulent transaction happened on XX/XX/2023. Subsequently, this collection charge appeared on my XXXX credit report on XX/XX/2023. I also checked my credit reports from XXXX and XXXX, which corroborate the same fraudulent charge. This is identity theft. I have never taken a loan out from XXXX XXXX  XXXX. I am a XXXX XXXX who has completed XXXX school, XXXX, and XXXX. As a practicing XXXX in XXXX XXXX, Texas, I have no reason to go to community college in XX/XX/2023 in Virginia. 

Additionally, I contacted both the debt collector ( ACCESS RECEIVABLES MAN ) as well as the original creditor ( XXXX XXXX  XXXX XXXX ) multiple times by both phone and email with no response from either party. I was never notified regarding a debt owed ( by the debt collection agency or Virginia XXXX XXXX ). A police report has been filed with my local police station regarding this identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: PA

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 # XXXX : has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I received a credit alert on XX/XX/20 that my information was used to open a credit card at Bank of America. I immediately contacted Bank of America and was advised the account wouldnt be opened and that they would contact the credit bureau to have the inquiry removed. 90 days have passed and after being transferred multiple times they are unable to give me a timeline for when this fraudulent inquiry will be removed.

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
On XX/XX/23, I noticed 3 transactions ( all with the same merchant ) on my account that were unauthorized. I immediately reported the transactions to USAA and opened a dispute, and they issued temporary provisional credits while they investigated. On XX/XX/23, I was informed via email that they were denying my dispute and would be reversing the credits. Upon reading the documentation provided by the merchant, it became apparent that the evidence for the transactions being legitimate was severely lacking. 

The merchant 's documentation consisted of two things : 1. A printout of my account history with the merchant - The issue with this is that I had legitimately done business with the merchant in the past ( and never claimed otherwise ), my contention was that the last XXXX transactions with them were not authorized, but prior ones were. Simply showing that I had done business with the merchant in the past ( something I had never denied ) fails to show that the 3 transactions that were disputed were legitimate.

2. A printout of a background report that the merchant had obtained on me, including prior addresses and phone numbers - The merchant seemed to suggest that since they had my personal information, therefore, the XXXX disputed transactions were legitimate. However, as stated above, since I had previously done business with the merchant in the past, it is no surprise that they had my personal information, since I had given that to the merchant myself. 

I have made countless calls to USAA since XX/XX/23 in an attempt to understand why the dispute was denied and to resolve the issue. As has become typical USAA practice, I wasn't allowed to communicate with anyone who actually made a decision regarding the dispute. Instead, I was told that a " request '' could be opened to re-open the investigation. However, several days later and without warning, USAA locked me out of my bank account and changed my password and PIN. That was apparently their response to re-opening the investigation of the dispute ( and then subsequently denying the dispute again, without providing any information, and failing to answer any question raised for the reason of the denial in the first place ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I voluntarily CLOSED my Santander Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

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 2023-05-30 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: TX

Complaint narrative:
I have sent multiple letters to XXXX and to Experian requesting PROOF of documents to show the account belongs to me. Experian always came back as verified by the creditor. I have now spoken with the creditor on XX/XX/2023 and the representative by name of XXXX confirmed this does not belong to me the XXXX XXXX does not belong to me. This has been going on a year and this needs to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a letter, dated XX/XX/2023, stating my checking and savings accounts were going to be closed due to a decision made based upon a previous account that had been closed which was not the case. My online access was also blocked stating " due to suspicious activity ''. An XXXX number was provided which I called and was told the bank had the right to close my accounts. 

Fortunately, I did transfer funds from the accounts slated to be closed to a new institution prior to my online access being locked prior to the date stated in the letter. Bank representatives stated my online access was blocked and would not be reinstated even though I had five existing accounts held by Chase that were not being closed. I stated I needed access to those regardless of whether or not the checking and savings were scheduled for closure as I opted for electronic documents versus paper. 

We received the attached document stating the accounts would not be closed with an apology for any inconvenience this may have caused. The accounts are in fact closed and this was verbally confirmed by a bank representative on XX/XX/2023. 

JP Morgan Chase Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

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

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
Hello, As owner of company I open Wise.com account on XXXX XX/XX/2023 and require me to paid {$31.00} after paid I send them my passport and my legal business papers, I receive email that my account is full verified I have linked with my stripe to start receive money Today my account has been closed without any reason!! and they say you can complaint on this website

Company response to consumer: Closed with explanation