vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was approached by a family member about lending them some money through XXXX on Chase, When i went to my bank it had already been sent from my account to a " manny '' with an account linked by the phone number XXXX XXXX XXXX XXXX, They sent themselves 2 payments, one of {$350.00} and another for {$500.00} I contacted my family member right away and they confirmed that someone had assumed their identity. 
upon doing a reverse number search, that number comes back to a XXXX XXXX XXXX XXXX ) XXXX, the reverse search states he is XXXX XXXXears old Born XX/XX/1992, https : XXXX this XXXX  account is linked to the reverse search which confirms the name, the location, the birth date XXXX XXXX XXXX Making him 28 as the phone number search states XXXX. 
His zelle and bank are linked through this phone number XXXX XXXX XXXX XXXX and all this should point to the information i have provided, that this is in fact XXXX XXXX XXXX that scammed my bank account. 

I hope you can work with Chase to help me figure this out. 

I have given all this information to XXXX via a fraud claim, I have a fraud claim with XXXX XXXX XXXX which they have stated they will probably not help me ), and 2 cases filed with the FBI, I have also contacted the phone number and spoke with " XXXX '' since his number is linked to the account he used to scam me, he refused to return the money. I will be filing a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Good Day, To whom it may concern, Please immediately delete the account " XXXX '' for the following FCRA violations : Failing to report the DOLA or Date of last activity. 

Failure to report the creditor phone number, this account can not be verified. 

failure to report the date closed. 

Failure to report the account number. 

I have mailed Equifax a dispute letter regarding these items, however they are still illegally reporting this account with the above FCRA violations. See attached tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. Wells Fargo also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However Wells Fargo continues to report his credit card debt incorrectly to XXXX  which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 
Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. Wells Fargo has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
account says 50 charge offs i only see 49 account says i was 60 days late only one month ( 30 days XXXX after on time payments i want this account removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 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: NC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue XXXX And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed some disputes with XXXX XXXX, and TransUnion. They didn't reply in 30 days.

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 2021-03-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed some disputes with Equifax, XXXX XXXX XXXX. They didn't reply in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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

Complaint narrative:
I am now in the XXXX XXXX XXXX and I do not have either a Debit Card or an ATM card with which to withdraw money from my Savings account with Wells Fargo. I have previously made many attempts to get a Debit/ATM card from Wells Fargo and have been told that I need to fly to the XXXX and personally come to the bank to get the card. This is because I only have a XXXX Phone Number and not a XXXX phone number through which the bank can send me a code. 
The matter is further exacerbated because The bank says that as they don't have any of their security questions and answers on file, they are not able to authenticate my Identity. However I have given them all the correct answers to the questions that they asked, in order to deal with my situation. Furthermore, My attempts to use the bank 's secure messaging system have failed as they state that they won't use that system to process my request for the card. 
On XXXX XX/XX/2021 I called Wells Fargo Bank and spoke to 5 different members of staff of the bank trying to get this matter sorted out. That exceedingly expensive call from my overseas Cell Phone lasted for 1hour and 43min overall and still I was not able to get the matter resolved. First I spoke to XXXX then to and then to XXXX of the Fraud department. Then XXXX of customer services. Then to XXXX about getting an RSA Device. Finally to XXXX from the XXXX XXXX XXXX. XXXX gave me a customer case reference number : XXXX. I am now totally frustrated

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 2021-03-23 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: LA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report to this day over 43 and 37days later I have not received a response as of yet. I am being put at a disadvantage and being ignored as far as my disputes are concerned. Section 611 ( a ) state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 43 and 37 days so the items in question should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress of this whole situation. My information was also effected by the Equifax Data Breach and I have no idea who may gotten a hold of my information. Please help by resolving this matter promptly. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This complaint is on Citibank. 

I have a Checking account ( Joint with my spouse ) at Citibank. 

We scheduled a Credit Card payment to XXXX XXXX for {$80.00}. In the process, we accidentally selected the Citibank Checking account as the source for making the above payment. It was an accidental selection because, we have another checking account at XXXX XXXX, which is what we intended to select, but by mistake, we selected the Citibank Checking account as the source for making this payment. Citibank account had insufficient funds to clear this payment. 

A few days later when I logged into Citibank, I realized I had selected the wrong account for paying XXXX XXXX. I went and made the {$80.00} payment to XXXX XXXX Credit Card, from my XXXX XXXX account. But XXXX XXXX said, since the first payment was already under process, they will do the first attempt to withdraw and two additional retries to draw funds from my Citibank Checking account. 

The issue with Citibank : On the Citibank Checking account, for each attempt made by the Credit Card company to withdraw funds [ 1st attempt + 2 additional retry ], they charge me {$34.00}. In total, 3x {$34.00} = {$100.00} as Check Return Fees. 

Citibank also said even if the ACH Transaction was for {$1.00}, and there were 3 retries made, it is the same {$34.00} for each check return fee. Which is unfair. 

Citibank has no way of issuing a stop payment for retry attempts made by XXXX XXXX. And XXXX XXXX does not have a way to stop retrying. It's a Bank XXXX that these large banks have formed in XXXX, to say their software can not be modified to stop the automated process of retrying or detect retry and stop payment, with a clear intent to charge their customers the exorbitant amount of money, on both sides. i.e. XXXX XXXX charges me for returned ACH Payment, and Citibank does the same. 

It should be a shameful practice by banks to say they can not modify their software, as it allows them to charge their customers fees, which helps them earn their profit and bonuses every year. In XXXX, Software can be modified, to do what is right for the customers and banks, but banks are not willing to modify it as it will hamper their source of XXXX money made from Customers who try to make ends meet. 

Though XXXX XXXX is only presenting one ACH Transaction, and just doing retries to withdraw the funds, Citibank counts each try made by XXXX XXXX as a new ACH Transaction and charging an exorbitant amount of fees ( XXXX money ), from their customers like me who are struggling to make ends meet during such tough times.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hi, There are a lot many complaint I have received since past year but there is no resolution and my money is not sent to me by chase bank. Latest complaint number is XXXX. 
I still haven't received my check at XXXX address and there is no tracking number shared. I am waiting since 2 years almost now and my money is still not returned to me. Chase case number XXXX. I am trying to reach out to chase but the number is not connected and everytime there is only follow up and assurances. It's really frustrating and tiresome that for my own hard earned money I have to follow up since 2 years now and I still didn't receive the check. Ideally as per last communication with a chase XXXX, the cheque was sent out on XXXX XXXX and was to be delivered n 10-12 working days but i still haven't received it and nor there is tracking number which can help me track it. Please help since I am in need of my own money which is with chase bank since 2 years now and the amount is {$900.00} and {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: PA

Complaint narrative:
I have sent a letter to the 3 bureaus but they didn't respond anything. 
These are the accounts that I have disputed with the bureaus. 

XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
REGIONS BANK is claiming that I owe them {$0.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-03-23 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:
My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through XXXX. My loan has also increased during the CARES ACT.

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Accounts opened wrong email, wrong telephone number not opened by me no fraudent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Identity Theft Cell Phone Fraud Impersonating bank representatives Fraud Dept/Checking/Savings/Auto Claim XXXX XXXX XXXX and associates XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. Navient reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through Navient. My loan has also increased during the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had fraudulent charges made on my Bank of America XXXX card ... BOA.. said they found the charges were mine and I filed a fraudulent dispute.. which got my unemployment cut off.. I missed 8 payments of XXXX on my unemployment.. plus the fraudulent charges they charges me for.. around 300.00..

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in reference to chase claim number XXXX Fraudulent account with joint tenancy was opened sometimes in XX/XX/2021. Unauthorized transfers from Chase checking account, ending in XXXX were made between XX/XX/2021 to XX/XX/2021, in the total amount of {$140000.00}, to an account opened by fraudsters. Chase bank refused to assist in recover the stolen funds, after police report/identity theft complaints are received, along with the written documents of unauthorized ACH debits are received. Furthermore, Chase bank citing the claim was filed late, even though it's filed on XX/XX/2021, within 60days from the fraudulent transfers, with the most recent transactions in XXXX and XXXX of 2021. As I have no way of accessing the account with the originator, since I'm not listed as account owner or signer, I was advice I have to contact the merchant directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
I have tried to fix my issue with Experian numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed Experian is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting 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 explanation