vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello and thanks for your time. 

My wife and I do our banking with Chase, and three accounts had unauthorized ACH withdrawals by a fraudulent company by the name of XXXX XXXX. 

On XX/XX/XXXX, they withdrew {$3800.00} from our XXXX XXXX  son 's savings account. 

On XX/XX/XXXX, they withdrew {$8900.00} from our savings account, and another {$18000.00} from our checking account. 

We have never done business with nor interacted with XXXX XXXX, and we did not authorize any withdrawals from our son 's saving account, nor our checking or savings accounts. 

Research showed that this company does not exist, their phone number rings with no answer, their po box is false, and their physical address is in a shared office space that is not aware of their existence.

There are at least two other families in our community who have had the same thing occur ( unauthorized withdrawals by XXXX XXXX ) but with different banking partners. 

After learning of the transactions on XX/XX/XXXX, we immediately contacted the fraud department at Chase. We asked them to deny the charges, as they were still pending. We were told that the pending transactions would not go through, that they would be blocked. However, the charges did go through. 

On our XX/XX/XXXX phone call with Chase, they failed to assist in a satisfactory manner. We had to escalate our call to management, who also provided very little guidance. The following day, we went to our local branch, and a bank rep helped us by providing the necessary affidavits to sign ( attesting that we did not authorize the withdrawals ), and helped to close the affected accounts and open new accounts. Chase also provided a credit to my son 's savings account, but not to our checking/savings accounts. 

We also filed a police report with our local police department. 

This morning, Sunday, XX/XX/XXXX, we received a notification from Chase stating the following : " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken. 
This inquiry is now resolved. '' We had neither discussed nor agreed that " no action '' would be taken. Chase has apparently resolved the inquiry, and somehow decided that huge overdrafts of tens of thousands of dollars was acceptable, despite the fact that we called to let them know we did not authorize the charges, and that XXXX were debiting money directly from two different savings accounts, in addition to our checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 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: OK

Complaint narrative:
I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I did not give permission, consent, authorization, to make a report nor did I benefit from the items listed on the report. On or about XX/XX/XXXX I called each agency, seeking to correct the report. I have sent in a complaint prior to instructing them on the items to remove ; Correcting the Name, address, phone number, occupation, open and closed accounts, inquiries. An adverse event happen, XXXX XXXX denied me my open-end account. I have instructed each agency, being subjects to the public the regulations state they must remove items from the report when they are being disputed, and they have not. that constitutes a form of identity theft. I have had a phone call confirmation stating that they did and they have not. Hindering delaying the pursuit of life liberty and happiness our monarch.

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022, our office manager XXXX XXXX, came running to my desk stating she received a message that we were past due on our electricity bill from XXXX XXXX. She handed me a paper with the information to pay the bill with a reference number. I ask her to come back to my desk so I can make sure it gets paid correctly. So she called the agent back I signed into the company account but we didn't have XXXX bill pay through our company bank account. I opted to use my personal bank account and I'll just expense it. First they gave the email XXXX to pay but my XXXX  kept stalling. So XXXX XXXX asked for an additional number because it wasn't going through. XXXX then handed me the phone he gave me a number XXXX to use with reference number XXXX and to screenshot the image and send it to XXXX to confirm. I did, he says he's going to confirm with management and puts us on hold I give the phone back to XXXX XXXX. She comes back to me from the front desk and states, the electricity was included with the rent. and that they would process me the refund to give them my number and request a refund. So I did, but then they stated to put in the request line a dollar amount {$4000.00} it was their code. That's when I told XXXX XXXX to hang up the phone we just been scammed and I immediately called my Bank, Bank of America. Bank of America, took my information and stated they would have a decision within 10 business days. I called and received the message they haven't come to a conclusion yet and are investigating with the other party to try and retrieve my funds it could take up to 45 days, I received a letter in the mail stating unfortunately they were unable to approve my claim. That Bank of America completed the transfers according to the instructions I provided them and therefore no error occurred.

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 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A gym membership with XXXX XXXX XXXX - XXXX, has reported as gone into collections and was reported on my TransUnion account as of XX/XX/26 ( I was not able to see it in my TransUnion credit report because they have me " locked out '' from my own report ) luckily I have a few credit monitoring service and I was able to see this and contest this immediately. 

There is no way that I owe this gym any money, never mind being in collections. Do you credit bureaus even do any real leg work to see if this information is correct or just take payments from any company that wants to report consumers over inaccurate items or gripes?

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 2022-02-28 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
A long conversation my name is XXXX XXXX @ am a customer of XXXX XXXX XXXX  and I got scammed for {$5000.00} and Im on XXXX making it barely check to check and I just dont understand how Im gon na pay it back but if someone could give me a call XXXX XXXX XXXX and anytime thank you and please give me a call so we can come to some kind of understanding thank you have a blessed day I have five cats that I take care of they help with my XXXX  XXXX loneliness I cant give them away Ive had 7yrs family my car need XXXX  worth of work happened last year on my good days I could run people places to help make ends meet and the people that was helping me helping me here and there cant its a mess all over the world lord be with us amen

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had did a hold on my card at two hotels my cars have been on hold for over 27 days and I called the company approximately 10 days after the transaction and they said that it be released within 14 to 21 days it is now 27 days and it is still on hold the company is currently gaining profit from it being on hold with interest which I would kindly like them to credit to my account since they shouldn't have that and how long can a company keeps a hold on funds legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/TBOM/MILESTONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/XXXX/MILESTONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting GENESIS FS CARDSERVICES/MILESTONE GOLD MASTERCARDXXXX/MILESTONE delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
LoanCare is my lender that I was forced into using after my previous lender sold my mortgage to them. They have been beyond difficult to work with even when you can get connected with them. This time, their website is not allowing password resets, no matter which way you try ( email, phone, SMS ). I have no way to reset my password to retrieve my tax document on the day I set aside for taxes. I tried calling, and their IVR recognized my account based on my phone number, so I know they have correct account information for me. Their sites password reset just does not work, and there is no communication posted about updates or system interruptions. 

This company is not open on Sundays when working people are trying to catch up on important things like finances and taxes. LoanCare does not have a way to contact them for tech support outside of their business hours.

If this company is legally allowed to go around collecting money from people as a collections agency, they should provide support 24/7 since people may end up defaulting on their mortgages on a Sunday. We are all stuck waiting for LoanCare to open for business Monday morning. This is unacceptable. Accountability should go both ways, and they should be held accountable for not providing support around the clock if people can not login to pay on time.

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 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had a problem with a subscription service charging a credit card which I had paid off. Because I selected electronic billing, the credit card never sent a bill to me telling me there were charges so I never checked. I have credit monitoring and after the first delinquency notice I called the subscription and thought I turned off the product. They continued to charge, however. I didn't notice for a couple of months due to travel and was just busy- but saw my almost perfect score plummet over 75 points for repeated not paying my credit card. I called the credit card co - they told me to contact the XXXX agencies. I contacted EACH ONE and all worked MARVELOUS! They believed my story given my continuous payment history and the small amount involved ( less that {$50.00} a month ). However, Pentagon Federal Credit Union ( PFCU ) provides it's own scores - but based on the 3 XXXX  agencies. I use them, being a veteran, and once I saw their score wasn't changed I called them. They would not change the score! I asked them why- they couldn't give me a rationale. I assumed that it just took time, a month or so, but asked them to investigate and change the score. They just sent me an letter denying my request to change the score without telling me WHY. The score continues to by less than 700 while XXXX, XXXX and XXXX have a range of 790-820 depending on monthly balances. I believe they are doing this because I use their products and was trying to obtain another larger HELOC loan. Or just bureaucratic bs. Again, their excuse for not changing it is " this is what your score is now '', not even bothering to look at the 3 major XXXX score reporting agencies to see if it's been corrected or changed. They insist " I '' must provide reports from all three! When they have access to the information and I gave them permission for HARD credit score checks.

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 2022-02-28 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-02-28 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-02-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX Collections XXXX Account # XXXX 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 with written instructions.

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 2022-02-28 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: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. In the attachments i uploaded the documents of me send them documents certified mail. and they have yet to comply

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an XXXX XXXX XXXX XXXX. On XX/XX/2022 XXXX $ was taken out of my account and transfered to a different account. I did not authorize this wire transfer. The money was sent to an external account number which was added to my account on XX/XX/2022. I never requested for an external account to be added. I have called Chase Bank multiple times. However they say they determined the wire transfer was authorized and they refuse to give me back my money or help me at all. I am at a complete loss as what to do. Chase Customer service has been useless.

Company response to consumer: Closed with explanation