vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted numerous " certified letters '' to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX  '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Experian to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Experian, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. 

Thank you for your time in helping me get past the dang robot on the other end of Experian.

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 2023-06-06 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX of 2023 at XXXX Central time my account was hacked into by someone in Florida, I live in Texas and never visited Florida in my life, they changed the password, changed my spending limits, changed my pin number, I was unable to access my account, I was unable to get any help from the company until the morning. I got access back to my account, but over {$900.00} was missing, I managed to recover around {$300.00} of it back but the company blatantly refused to give me the rest of the funds back from the fraudulent actions. When I discussed this with them, they basically told me that I was just out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On Saturday XX/XX/XXXX my Wells Fargo debit card was hacked. I called phone banker. He wouldn't close it, assuring me their system would decline any suspicious charges made with it. Sunday XX/XX/XXXX, XXXX XXXX CDLS time I got email from WF that a charge on my debit card was denied. I immediately called phone banker. We both opened my account. XXXX fraudulent charges went through bringing my account down from {$5400.00} to {$80.00}. I filed fraud claim # XXXX & personnel claim against banker who wouldn't close my debit card, claim # XXXX. The fraud claims specialists paid my account back {$350.00} on XX/XX/XXXX closed the case & then reversed those those credits by about {$150.00}. Claim was reopened. # XXXX. The findings for the banker claim said basically " sorry for the inconvenience, but we are doing nothing about it '' & closed that claim. The resolution on the 2nd fraud claims case will be made Friday XX/XX/XXXX. I highly doubt I will get much if anymore money back. All along I've been told '' don't worry, you'll get your money back, but they've done almost nothing so far. Please make them restore my fraudulent losses.

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 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Notice of Warning for Any Delay in Processing by Midland Funding, LLC To whom it may concern. 

I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that my disputes are duplicate Your delay is illegal, as it is the right of all consumers to receive ALL information concerning an alleged debt, and you have no legal basis for delaying the processing of those letters. 
However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. 
Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
We have a Scheels VISA card which is managed by FNB of Omaha. We just found out yesterday that the billing address on our card was changed back on XX/XX/XXXX to a California address. We live in Utah. So we called Scheels yesterday and had the card and account shut down. They are now issuing me a new card and changed our secret passcode on this new account. They told us to call XXXX to get this address removed from our credit report which I did today. They then told me to come to this site and report the fraud and account takeover. So far we don't believe there were any charges on our credit card by this individual. But will not know for certain until we get our new card in 5 to 7 days and then able to setup our online account and payment. This credit card earns us points for all purchases we make anywhere and not just at this local Utah store. So with these points, I usually get a {$25.00} gift card every month in the mail. So looks like this must have gone to this California address for the last 2 months. Let me know what additional information you need. I also setup fraudulent alerts with XXXX today as a proactive action and they told me this would also be enforced by XXXX and XXXX for the next 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 monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has a program where they automatically force customers to join a promotional financing plan, and the monthly statement does not explain fully how this works. The plan was activated for {$500.00} or more at XXXX time, now they have lowered the charge amount to {$190.00}. When I pay my monthly bill, I pay more thinking that the extra money will be added to the promotional financing amount. That does not occur. Nothing on the monthly statement tells the customer how this program really works. 

I called Synchrony Bank on XX/XX/2023 and talked to a supervisor. I was told that the customer has to call Synchrony every month and tell Synchrony if the customer wants to add some of the monthly payment to reduce the promotional balance. The supervisor told me that the promotional amount for my charge will be {$30.00} a month. I charged {$320.00}. There is no way I can pay {$30.00} for XXXX months, to pay off a promotional charge of {$320.00}. Synchrony tells the customer to pay the promotional amount in XXXX months, or they will charge the customer interest. There is no way to do that! 

This scam is not outlined on the monthly statement! Synchrony forces the customer to use this promotional plan, then makes it impossible to pay it off, then charges the customer more interest after XXXX months. When I asked not to be included in this confusing promotional financing plan, my request is ignored and denied! 

The monthly statements explains this promotional financing plan. Nowhere in the explanation does it mention calling Synchrony every month, and telling the operator that you want money added to the promotion balance. 

I had this problem before. I went to XXXX for repairs on my car. XXXX charged me a little over {$600.00}. I charged it on my Synchrony credit card. I later discovered that the repairs were not fixed, and got a full refund. I put the money back on my Synchrony card. None of that payment was applied to the promotion balance. Synchrony never told me about calling in every month!

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 2023-06-06 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 — Investigation took more than 30 days
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
GRAIN TECHNO- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife XXXX XXXX XXXX XXXX and I are co-owners of a medical clinic by the name of XXXX XXXX XXXX. We have a business Checking Account with Chase. We use XXXX occasionally to pay for variety of services. On XX/XX/XXXX, my wife received a text message from Chase Bank that XXXX XXXX XXXX was added as a recipient to XXXX. She contacted me and asked me if I had added this recipient. When we both realized that neither of us had added this recipient that this was likely a fraudulent addition, we contacted Chase within a few hours of their text. On XX/XX/23, XXXX payment of {$1200.00}, {$1700.00}, and {$1800.00} was made to this individual from our checking account. We did not add this person. We did not get a prompt from Chase Bank, verifying whether this was a proper addition to our XXXX client list. On our other bank, the first time, when an individual is added as a XXXX client, we get a notification and we approve, that indeed this person was added by us as a XXXX recipient. By the time we reached out to Chase Bank, the person had made XXXX withdrawls and we saw on our checking account that a third transaction was pending.

We called Chase and explained to them that we did not add XXXX XXXX XXXX as a client to recieve XXXX payments and we did not authorize any payments to this person. The fraud team helped us file a claim and mentioned that they would investigate the matter and get back to us. We received a letter back from Chase Bank on XXXX indicating that they had done their investigation and that " we had authorized '' this transaction and as such there is nothing they can do about this. We called the fraud team back on XXXX and mentioned that we did not authorize this transaction and we would like Chase to refund the money that was sent from our checking account without our authorization. The person mentioned that this was not possible. We asked to speak to their supervisor but she apologized but would not refund the money that was removed from our account. 
I am attaching the letter that Chase Bank sent us which contains their response and also the details of the transaction to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. Im asking this is removed from my report before I pursue further action against the bureaus

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 2023-06-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. XXXX asking this is removed from my report before I pursue further action against the bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo complaint. My home was foreclosed on in 2016 because they wouldnt help me when I got divorced. This caused me to file bankruptcy too. I saw the ads for you maybe owed compensation from them but I havent saw anything, maybe because I moved so long ago that they dont forward mail from my old address anymore. I wanted more info on this.

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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc.
State: CA

Complaint narrative:
I made a phone call on XX/XX/2023 to Midwest Resale Specialis inquiring about debt placed on my account. The amount owed was {$870.00}. I asked them to verify the debt because I never signed any personal guarantee. I called again on XX/XX/2023 for verification and never received a response. Consequentially, this highly impacted my credit score and complicates future purchases. The company has called me from various numbers on numerous occasions without verifying the specific amount or reason for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The mortgage lender pre-approved my application only to send me on a revolving cycle of confirming my financial transactions. They wait until my bills are due and make me verify my transactions all over which inhibits the closing process. Aside from that, the lender approved me for a conventional loan instead of a FHA loan to present more hurdles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc.
State: NY

Complaint narrative:
Thu, XX/XX/XXXX, XXXX i wrote them : i would like to close my account and cancel my membership they responded : Thu, XX/XX/XXXX, XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Hi XXXX, Your M1 account ( s ) has been closed. 


but later in XXXX they wrote to me : Thu, XX/XX/XXXX, XXXX ( 5 days ago ) Invest Negative Account Notice Hi XXXX XXXX We have identified your M1 Invest account, XXXX, currently containing a negative balance of XXXX XXXX 


Because they continued to charge me for the membership fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NV

Complaint narrative:
I let someone use my phone during a visitation and he utilized my XXXX XXXX to send himself funds he previously prior to this event. This person sent money owed to me in increments that month and then sent it back to himself without my knowledge. After unlocking my phone to allow him to use it during a visitation, XXXX XXXX was able to be utilized. I never fathomed having to use facial or additional security and have never had money stolen to even need these security measures. My account reflects the lack of outward funds to anybody for any amount higher than $ XXXX in all these years of being a discover bank customer. I also hardly use XXXX XXXX and only set it up to receive the payments he said he could only send via XXXX XXXX. This person has also not returned calls or inquiries about this transaction, and has proceeded to change his phone number ( the number the XXXX XXXX was sent XXXX ), and there is a police report for the phone in question ( he also stole the phone ) the day of this occurrence as other issues arose. This was an unauthorized transaction on my account I request it be disputed. I disputed the charge, Discover removed it, then decided it was authorized. I also do not deal with this person, and since the incident have a police report and a restraining order. There have been many incidents with this bank account with Discover before this that have questioned my thoughts of discrimination against me with my financial partnership with Discover Bank. They should also be investigated for their " maintenance '' for days at a time ; making account holders unable to access funds. This has caused us to be stranded, without food/gas at times with NO email/alert to let us know of scheduled maintenance. There has been a time I was almost evicted as they randomly decided to stop XXXX for certain accounts before a particular date. My employer could not pay me on time and I almost lost housing, A phone rep ( on a recorded call ) said they would rectify any fees I incur with my landlord for the issue they caused. They never rectified the issue. These are just a few, of many issues I've encountered, but don't seem to hear other account holders facing said issues.

Company response to consumer: Closed with explanation