vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a personal and a business bank account with NFCU ( Navy Federal Credit Union ), In XXXX I did a delivery load for an online company thru a Delivery app, well they did a deposit into my business account which I couldn't verify where it came from because I was unsure of the name. The bank restricted my business account and said it will remain restricted for 30 days while investigation occurs. I waited XXXX days and nothing happened but I was still receiving bank statements. So, after dealing with Covid and the Pandemic I needed the funds so I reached out to NFCU in XX/XX/XXXX and they closed my business account and even decided to close my personal bank accounts and my personal credit cards without even warning me. I had three major credit cards with them that I have had over 4 yrs+ and when I went to use them they did not work so when I called NFCU , they said when they closed my Business Account they was supposed to close my personal accounts due to suspicious behavior. Well, I'm still getting bank statements and not to mention I'm getting false termination letters regarding my credit cards saying they were closed due to non payment and that is not accurate. So, my credit score and my way of living is destroyed from a stroke of a key and due to NFCU not being honest about the credit card closure when I have a 99 % pay history on my credit report. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I FEEL SOME TYPE OF DISCRIMINATION TOWARDS ME FROM WELLS FARGO, BECAUSE I'M A XXXX FEMALE, WHO FILED A CLAIM AGAINST WELLS FARGO FOR CREDIT CARD FRAUD. THEY KEEP HAVING THE SAME PERSON CALL ME WHO OFFERS NOTHING TO HELP ME. WHERE IS MY JUSTICE.!!!!!!

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 2022-03-22 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: WA

Complaint narrative:
I filled a dispute with Equifax two days ago. There is a dental collection on my credit report that I never had or recognized. I am XXXX XXXX Military and I get all my dental care through the military so I never had care from this company. Equifax has verified this information within a day. I want to know how they verified this information so quick. I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Back on XX/XX/2008, I took a cash advance  on my Shell credit card in the amount of {$1400.00} for car repairs. Wondering why I was still paying on a transaction made over 13 years ago, I called Shell for an explanation. They told me that none of the payments I've made since then ever went towards this cash advance  but instead went for current transactions. That means I've been racking up interest on the XXXXash advance as well as having my available credit affected for over 13 years! I was told that I couldn't designate that part of my payment go towards this cash advance so they'll continue applying interest and the only way to stop it is to pay the full amount ( plus interest of course ) of the cash advance. I wasn't aware of these terms when I made the cash advance and never knew about this policy until I recently called them. It seems to me a very underhanded way for Shell to make more money through interest and am wondering if this is even legal!

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying for years to open a chase checking account and keep getting denied with no reason as to why. I tried again XX/XX/2022 and denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I received a billing statement for my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. The Statement Balance amount was {$170.00} with a Minimum Balance of {$36.00} needing to be paid by XX/XX/XXXX. I paid the entire {$170.00} online for XX/XX/XXXX and such payment was reflected on my online transaction history ( see attached ), as well as on my XX/XX/XXXX billing statement. I scheduled the XX/XX/XXXX payment on XX/XX/XXXX and selected to pay the " Current Balance '' when I made such payment to ensure it would be at a zero balance. The disclosure on my statement says " HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the dues date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of the purchase. 

My payment was posted on XX/XX/XXXX. I did not make any additional charges AFTER paying off that balance. Generally, my other Comenity issued credit cards disclose the balance and any Min. Amounts Due in the email template ( e.g. XXXX and XXXX ). On XX/XX/XXXX I happened to hit the CTA on my XXXX Bath and XXXX emailed statement. To my surprise I had a PAST DUE balance. I immediately paid the balance thinking that I must have made an additional purchase that I forgot about. On XX/XX/XXXX, I received a notice from the CRAs that my account was being reported as 30 days past due. While I did still receive email notifications regarding monthly statements from XX/XX/XXXX - XX/XX/XXXX, there was only a CTA and no balance information or past due email warning in any of my emails so I had assumed the balance was zero. Additionally, I did not receive any new purchase alerts and I already paid off my balance by the Due Date back in XX/XX/XXXX, so not expecting a balance of any kind. I called to dispute the credit reporting status with Comenity and was told that in XX/XX/XXXX, after I paid the full balance, I was charged an additional {$3.00} interest on XX/XX/XXXX. I was confused by this since I paid the XXXX XXXX amount for the previous cycle by the Due Date to avoid additional interest, as indicated in my statement disclosures. I was advised to submit an electronic secure message through the XXXXXXXX XXXX XXXX XXXXXXXX Comenity portal. I submitted the request on or about XX/XX/XXXX disputing the additional interest, as well as the late status because I should never have been charged the interest by the Company. I received a response on XX/XX/XXXX that I received a reversal of one of their late fees and would receive a letter in the mail about my credit report request. I received the letter in snail mail today, XX/XX/XXXX stating that my request was denied, but there was no reason as to why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks

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 2022-03-22 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: FL

Complaint narrative:
I have provided evidence regarding identity theft on my credit report to both a credit bureau ( Experian ) and the lender ( XXXX XXXX ) however the lender claims that the identity theft dispute is a " civil '' matter and Experian will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX County Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the XXXX XXXX credit card was not created by me, instead was created by my father when I was a minor. 
3. XXXX XXXX statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father. 
I have contacted XXXX XXXX repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I first filed a complaint because every time I call Im on hold for hours PLUS I filed a disputes for charges that were not mine and my claim was denied. Truist retaliated against me for filing a complaint that they THEN blocked my debit card and said Ill never be able to have another debit card with them. I can use my three accounts with them but never a debit card. They didnt block it until my complaint got submitted. I have been with them for years and never had any problems. After I submitted my complaint I get a email from Truist saying if you have any questions call this person and here is their number. Ive called that person many times a day for a few days and no one ever picks up or calls me back. I even emailed XXXX who sent me the email with her number and I havent received a email back either. I think I this is unfair to make people wait hours on hold and when they have charges on their account that is not theirs to not give them credit and then when the consumer gets upset about this you block their debit card. Also I am showing a screenshot of my typical day calling for last 2 weeks. On hold for four hours. I gave up after that.

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 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2022-03-22 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: MO

Complaint narrative:
n accordance with the Fair Credit Reporting Act hard inquires XXXX  XXXX ( XXXX  ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are 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 


A total amount of {$26000.00} is reporting that are inaccurate.

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 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX, XXXX, following a miscommunication between my bank, Wells Fargo, and non-Wells Fargo ATMs abroad ( XXXX ), which resulted in money being mistakenly deducted from my Wells Fargo checking account, in the amount of {$1800.00} ( based on several attempted transactions in which my card was denied and I did not receive funds, but Wells Fargo thought I had ), I immediately contacted Wells Fargo to resolve the issue. After detailing the case, their Fraud department initially reimbursed me 100 % of the funds in question. A couple of weeks later, {$1000.00} of the money initially reinstated was reversed. When I called to inquire why, I was told I needed to sign a form that could not be emailed but only sent to my permanent address. I was also told I could resolve the issue upon returning to the US. In fact, both of these details were incorrect and misleading. The supposed form I need to sign was never mailed, and never emailed. I still do not know what the form is in reference to. I followed up on this matter at the first opportunity I could, following my return to the US, on XXXX XXXX XXXX. At this time, I was told that XXXX XXXX 120 limit had expired and the remaining funds owed to me could not be reinstated. Hiding between this outside technicality, at no point in time was I told why the funds were ever removed from my account. Nor whether Wells Fargo was able to recover their money from XXXX ( as far as I know they were able to recover 100 % of the funds, and my money became a source of profit for them ). In XXXX, XXXX, {$500.00} mysteriously appeared in my account, presumably an effort by Wells Fargo to placate me and encourage me to drop the issue. I am shocked and appalled by Wells Fargo poor communication, lack of transparency and lack of customer care in this instance. Despite extensive dealings with their Resolution Team, and no fewer than three separate escalation complaints, I have been consistently told there is nothing they can do and it's a closed case. Last week, I informed them that I would be taking alternative action to resolve the matter and recover the money they still owe me - XXXX - plus damages.

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 2022-03-22 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: MD

Complaint narrative:
These credit bureaus have been contacted several times regarding an inaccurate address on my credit report, in order to have it removed from my credit report. When I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC, or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to the FTC and still, they didn't delete the inaccurate address from my credit report. This inaccurate address is causing me issues, because not all of my mail is coming to my address, and it makes me susceptible to fraud, to which I have been a victim of before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
Usually, a day after my due date payment on my loan is due, I receive an email from my lender, hereinafter Lending Club. The email states that my payment could not be processed and there's a past due balance on my account and when I check my bank account the payment clearly shows that has been successfully processed. Lending Club 's email/information is completely false. I've always had more than sufficient funds to cover the payment. I've contacted their customer service department on several occasions to dispute/fix this issue and after multiple transfers and excessive holding time I was told that they will be looking into this issue and can not provide an answer immediately only for this issue to continue to repeat every month when payment is due. 
Additionally, Lending Club is also reporting my account as being late/derogatory with the credit bureaus. I've disputed this fraudulent entry several times with the credit bureaus, but this is becoming like a revolving door and I'm getting tired to do this almost every month. 
I've sent Lending Club an email to cease and desist this fraudulent practice and received no response. This complaint is almost my last resort before I'm going to file a lawsuit against this company. Thank you.

Company response to consumer: Closed with explanation