vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been staying in hotels for the past 2 months and have had no problems with the merchants charging accordingly. A previous time, the hotel put a hold on my account which reflected in my account as a negative debt ( a charge ). I was paid by my job shortly after that so the account was brought to positive. About a week later, I was making separate purchases and transferred funds from my savings to my checking in the exact amount I needed for the purchases. Two days later, the bank charges me XXXX overdraft fees for those XXXX purchases because the hotel fee was somehow removed and charges again between the time that it was already charged and the time I made my next purchase. This also caused every future automatic payment to generate an overdraft fee. I called in at XXXX fees to which degree they said they would reverse only XXXX. I paid for my charges minus the fees they said would reverse. The next day I get another overdraft fee for another negative charge because they did not reverse their fees as promised. These fees are {$35.00} each regardless of the cost of the item. Dates are XX/XX/year> to current.

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 2024-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.

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 2024-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has been charging me {$5.00} monthly account fees since XX/XX/XXXX on my savings account. I have no recollection of agreeing to these terms and never understood why my account was charged as such. In total, I was charged {$75.00} between XX/XX/XXXX and now ( XX/XX/XXXX ) I called Wells Fargo on XX/XX/XXXX to ask for a refund of all this amount, they refunded {$10.00} and said they couldn't do any more. After they refunded the amount, I closed the savings account and transferred the remaining funds to my checking account. I am seeking the remaining {$65.00} XXXX. 

I am unable to locate any documentation that clearly outlines this policy.

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 2024-12-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXX XXXX ACCOUNT NUMBER XXXX Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXX XXXX  ACCOUNT NUMBER XXXX Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MS

Complaint narrative:
Failed to provide a 1099c as this account is reporting as a written-off account, Recently, I looked at a copy of my credit report and noticed several incorrect accounts. These accounts adversely affect my credit report and cost me thousands of dollars in interest annually. I understand that you will investigate these items for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX account number XXXX. 
XXXX XXXX XXXX account number XXXX. 
XXXX XXXX Solutions account number XXXX. 
XXXX  account number XXXX. 
Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account. I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report. 
Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet XXXX XXXX requirements, the entry must be promptly removed. 
Please treat this dispute with urgency and provide me with verification within the legally mandated XXXX time frame. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of DebXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX ALLY FINANCIAL. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello, I have a vehicle loan with Ally Auto XXXX. In XX/XX/year> Ally reported that I had missed a payment and this hit my credit report. I made a full payment on XX/XX/XXXX and XX/XX/XXXX. 

I live in Florida and we were hit with XXXX XXXX just XXXX weeks after getting hit with XXXX XXXX. I live on the coast and we had to evacuate. We lost power and water for XXXX weeks and had to go and stay with friends inland. 

I have NEVER missed a payment with Ally. I called Ally on XX/XX/XXXX and explained this and told them my payment was only a day into the new cycle and the next payment is already made, I explained the hurricanes etc. They took all my info and said they would investigate. 

This investigation came back that Ally was correct and my missed payment status would remain. 

I then filed with XXXX and disputed on XX/XX/XXXX. XXXX changed my late status to current for XXXX. This is great, BUT now Ally just showed that XXXX was missed. THIS IS NOT ACCURATE and now such a mess. 

I have tried calling Ally and get nowhere. This cost me XXXX points on my credit report. I need a new car. This is now really affecting me. 

Please help. I have further documentation when this is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
On the date of XX/XX/year>2024 a letter was sent out challenging the inaccuracies of this companys claims. The letter was returned to sender without any validation, removal, or changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
Dear XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A online site charged my capital one account way too much money so I did a dispute too get my money back but capital one denied my claim and made my account negative even more money .. now I dont have any money in there and cant use my account.. I cant afford too lose XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year> my vehicle was repossessed, I was told I would have to submit a cash only payment either via XXXX XXXX or a wire transfer and pay up through next month. Instead of reinstating the loan, I submitted a wire transfer on XX/XX/year> for the entirety of my loan plus the repossession costs and was told a repossession release would be submitted within XXXX business days. Upon the XXXX business days coming to pass I contacted the repossession company and was told that the release has not been filed and I would need to contact the back. After receiving multiple different telephone numbers to incorrect departments and multiple transfers I finally made it to the repossession department to be told they thought I submitted an ACH transfer and they were unaware it was a wire transfer so my release was on hold until XX/XX/year>. After providing the reference number for the wire transfer I was advised that the transfer type was updated and emailed for approval and my immediate release paperwork would be sent to the repossession company. Allowing time for the update to occur, I later contacted the repossession company back to inquire about the release and they advised that the release had now been sent but that the hold for XX/XX/year> was still incorrectly active so they are unable to return my vehicle to me despite XXXX bank no longer owning a lien on my vehicle and I would need to wait out the weekend and check back on Monday XX/XX/year> to see if the bank has finally filed the correct paperwork or not. These continued oversights and negligence on the paperwork XXXX employees are filing is producing a loss of wages and major inconveniences for my family including my children being unable to attend school as they are continuing to not correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following accunts. Block and remove 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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
i was offered a balance transfer from southwest chase visa. i used the checks sent to me. that check was returned by my bank saying it was " bad ''. When i called Chase, they said they were " aware '' they had sent out some " bad '' checks ( this is fraud right here ) and that i could do transfer over the phone. i did that XX/XX/XXXX. while being charged XXXX $ and a fee of XXXX to my chase card, the money was NEVER paid to my other bank. That was XXXX weeks ago and while i have called chase XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and they have said they were " investigating '', they always come back and say the money was paid. THE MONEY HAS NEVER BEEN PAID AND CHASE WILL NOT LOOK TO SEE WHO FRAUDULANTLY SIGNED THE BACK OF THE CHECK. 

I DID NOT GET THIS MONEY, I WANT MY CHASE ACCOUT CREDITED THE XXXX PLUS FEES AND I SHOULD GET MY ANNUAL FEE REFUNDED BECAUSE THIS IS THE WORST CUSTOMER SERVICE I HAVE EVER HAD FROM ANY BUSINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX opened this account up XX/XX/2024 for XXXX XXXX  and trying to collect {$690.00} and recently reported on me XX/XX/2024.

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 2024-12-15 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: CO

Complaint narrative:
Transunion site NEVER allows me to proceed with filing a dispute. The site always gives me an error that my dispute can not be processed at this time. I typically only have time to attempt to file a dispute after hours or on weekends due to my work schedule, and it's beyond frustrating as a customer. This has been an issue for a year now, it isn't just a one time site issue. They make this impossible to correct my credit report, I think they do this on purpose.

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
receive information through credit score company no ding soft inquiry great approval odds i check to make sure soft pull said only need to verify identity. turns out no correct hard pull

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 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have a number of inquiries that I did not make and did not authorize. I believe that someone was attempting to gain credit in my name. Fortunately, a number of them contacted me to verify that I had made the applications and I informed them that I did not. They stopped the applications, however, they did not remove the improper and unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It appear that many of them came from the same dealer attempting to gain approval and sent the paperwork to many lenders resulting in a substantial number of inquiries due to whoever was attempting to use my credit and identity to purchase a vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Open Dealer Exchange, LLC
State: OK

Complaint narrative:
I have a number of inquiries that I did not make and did not authorize. I believe that someone was attempting to gain credit in my name. Fortunately, a number of them contacted me to verify that I had made the applications and I informed them that I did not. They stopped the applications, however, they did not remove the improper and unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It appear that many of them came from the same dealer attempting to gain approval and sent the paperwork to many lenders resulting in a substantial number of inquiries due to whoever was attempting to use my credit and identity to purchase a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Companies involved are XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Bank, The XXXX XXXX XXXX. 

I learned in XX/XX/year> that my home should not have been constructed from XXXX XXXX XXXX, and then learned MA XXXX XXXX XXXX that it was constructed upon a nuclear hazard/radioactive materials. 

There are title issues with the property, forged documents, a non-compliant XXXX XXXX modification, and back-dated documents that have been filed with the XXXX XXXX XXXX XXXX XXXX  and the Massachusetts Land Court . 

I have been filling complaints for the past year ( including reports to the FBI ). I can not get straight answers from the Secretary of State or Attorney General.

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