vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
This starts XX/XX/2022 and its still a ongoing situation I am still have problems with them. When I first made the account I accidentally lied and said I was XXXX program because I thought they wouldnt check and I was just having that bank account to just save my money in there. I didnt think they was going to lock me out of MY account So they they told me to send proof that I was in XXXX  and I found a paper online and sent that to them but that was only to get my funds out the account and have my money back I didnt think they was actually going to be a problem I told them I didnt want to do business with them anymore! But I sent in my ID, my social security card, my birth certificate they think Im fraud I told them IM ME just give me my money. They locked my account because I was cash apping my brother {$10.00} here and {$8.00} here over petty money like its my money they see where my money came from which is my school I just dont understand its been a 4 month situation and they still giving me a hard time they still send me letters of house much money I got in the bank but they act like they dont want to close it 2 ) I have {$2000.00} that I can not access my school sent those funds to me through my financial aid where I am taking a loan out that I will have to pay in a long run.

Just please help me I even told them my mother passed I couldnt even pay for funeral cost I went through a hardship, loss of income, definition of Character. Just please help me!!! Im begging you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX XXXX XXXX  ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$490.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I reached out to Chase 's customer service to obtain my records from them. One lady said I had the wrong department, she transferred me to another department and he said that was the wrong department and hung up on me. I need my bank statements from my account from when I opened to when it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: PA

Complaint narrative:
First Credit services located at XXXX XXXX XXXX XXXX New Jersey have been call and harassing me about a collection in the amount of {$110.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account 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, states a consumer reporting agency can not furnish an account without my 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 2022-11-18 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Hard Inquiry- XXXX XXXXXXXX XXXX Hard Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
informed of a business opportunity that involved spending money to make money provided my debit card info and pin to go about the methods. with that information i provided they were able to forge a fraudulent check into my bank acct. not really knowing whats going on i kept getting told to do XXXX XXXX and XXXX orders and while doing so i had checked my acct info and at the same time money orders were being processed. i eventually blocked my acct and informed my bank as soon as i understood what was going on but it was too late. money orders XXXX and XXXX XXXX went through. and my bank says i owe XXXX do to giving access to my acct. TD bank will not provide documentation. and informed they will not be conducting any business with me and wont return my regular direct deposit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I was approved for XXXX partial claim loan modification and resumed regular monthly mortgage payments per the modification arrangement. The home was still sold at a foreclosure auction on XX/XX/XXXX. Freedom mortgage said the resumption of payments with the loan modification would cancel the foreclosure and auction. They sent me paperwork in the mail saying I was approved for the modification, and also a separate notice prior to that approval that I had until XX/XX/XXXX to pay the default loan amount to avoid foreclosure. I also have an email saying I was approved and had to call and accept the loan modification approval which I did. I made my mortgage payment on XX/XX/XXXX on the phone with a rep from Freedom Mortgage and they said nothing about the upcoming auction on the home and took my payment.

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 2022-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
The first thing that happened was I received a letter on XXXX from XXXX XXXX XXXX. This is evidently a collection agency trying to collect a debt for a Bank of America card in the amount of {$1300.00}. I spoke with a XXXX XXXX at XXXX and we went over all the information he was able to give me about the charges on the card. He said the card was opened on XXXX and closed on XXXX. I never applied for the card, never received a card, never got a billing statement or any correspondence from Bank of America nor an email. These are not my charges nor my account. I didn't know the account number until I called XXXX XXXX and he gave it to me so I could further the investigation. This collection letter is the first I've heard anything regarding this issue.

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 2022-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XXXX XX/XX/2022 Wells Fargo bank closed both our XXXX XXXX accounts due to our XXXX XXXX XXXX XXXX. 

Wells Fargo sent a Cashier 's check to our nomiated U.S. address in XXXX XXXX, Florida. 

As our only U.S. bank account has been closed and we are XXXX XXXX residents a U.S. USD cashier 's check does not work for joint accounts so we require an International Money Transfer. 

The total sum due is XXXX USD. Of concern, and very confusing, we received a Wells Fargo Cashiers check for the sum of XXXX USD. Not confidence inspiring. 

The Cashier 's check was returned to Wells Fargo with a completed and XXXX Wells Fargo Account XXXX and Withdrawl Request form. This form included an XXXX XXXX from the XXXX XXXX authorities as requested. This package was sent via XXXX courier and received by Wells Fargo Bank, Exception Payments Account XXXX department in XXXX, MN on XXXX XXXX at XXXX. 

To date I have logged a minimum hold time of XXXX XXXX on a number of toll free contact numbers provided by Wells Fargo and not one answered. 

Subsequently I have sent a second letter asking for a status updated on the requested XXXX XXXX XXXX. This was received on XXXX XXXX at XXXX and to date there has been no response. Still no toll free number answers. 

I understand that there may be a back log as Wells Frago probably have closed alarge number of accounts but an acknowledgement takes little 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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX out of Georgia. They called to threaten me with legal action for a debt that was XXXX in bankruptcy XXXX ago. 
They have contacted me in the past and I sent the discharge information. However they continue harassment it seems every year they circle back to try to reopen this case.

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 2022-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America by mistake ( confirmed and received a letter acknowledging and attached to a dispute to XXXX ) reported a credit card account that had been settled and closed on my credit report for several years to XXXX as open. This mistake as negatively affected my XXXX XXXX from XXXX. As of XXXX, my XXXX and XXXX reporting agency 's are reporting XXXX an XXXX respectively and XXXX is XXXX XXXX because of this mistake. I am closing on my home and have asked my loan officer to hold off until XX/XX/XXXX before pulling my credit to try to get this fixed. 

I have filed approximately 3 disputes with XXXX and called approximately 6 times and got different representatives and requested that these front line representatives to escalate this issue to a supervisor to get addressed immediately as a time sensittive matter that will affect my livelihood towards my interest rate on my loan. Frustratingly, no representative has been able to escalate this issue to a supervisor or someone who could take immediate action. The first XXXX dispute were closed but with a resolution that is incorrect and the account remains now in an open status from an account that has been listed historically under closed accounts with a XXXX balance. To take a hit on a closed account a second time in error and to not have controls to protect a consumer from a gross error is unacceptable that is wrongly driving my score down by XXXX points. 

Please! Please! help to resolve this issue before XX/XX/XXXX so that when my report is pulled as my loan company takes an average from all agencies they calculate XXXX vs the an inaccurate value of XXXX when pulled. 

If someone can call me at XXXX that would be great. If it is possible sue or get a lawyer for damages on this inaccuracy please advise. I was also a victim in the leak from XXXX and to have to go through this again with another incident is unacceptable. 

Thanks for immediately looking into this issue.

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 2022-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
{$430.00} was taken from my chime account without my consent. On XXXX was the first time hackers got into my account, XXXX is the Date they stole the money from my account. I've given chime every email showing where they were in my account the day my money was stolen but I was still denied they said that wasn't enough evidence!? I live in ky, and someone in XXXX XXXX Michigan stole my money while I was physically asleep in ky! Idk what else they need but this has financially destroyed me, I live check to check and this has costed me my money for my bills so now me and my kids are in the cold cause chime doesn't believe the account holder. I've been with chime for over 5yrs and this is the 2nd problem I had the first was immediately handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXXXXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. 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 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is 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 non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TN

Complaint narrative:
Americollect has unlawfully furnished medical debt against the FCRA and is using harassing, oppressive and coercive methods to collect on a debt that I do not owe or own. Americollect does not have such licensure to collect debt in Tennessee. Americollect is in complete violation of HIPAA. Please see attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. 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 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is 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 non-monetary relief
Consumer complaint received 2022-11-18 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: TX

Complaint narrative:
a lot of information is invalid on my credit report. I am interested in disputing all incorrect information with transunion to help my file.

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 2022-11-18 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: ProCollect, Inc.
State: CO

Complaint narrative:
Hello, I'm writing this complain follow up a previous complaint. I had an issue with Pro Collect with Derogatory claim on my Credit Report. COMPLAINT ID XXXX. On XX/XX/XXXX Pro Collect sent me a deletion letter that was suppose to resolve the issue. Now the issue is that there is a duplicate account for the same derogatory claim on my report. I contacted Pro Collect and they said they don't see the duplicate, but I have proof its on my report. It's effecting my ability to purchase a house for my family. It's not right that Pro Collect has made many mistakes and now aren't taking responsabilty for duplicate account.

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 2022-11-18 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: VA

Complaint narrative:
I have been filing again this dispute to EQUIFAX as you claimed that it was not me who filed the complaint dated XX/XX/2022, with Complaint Number XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: WA

Complaint narrative:
I received a debt from a utility company from LJ Ross associates based out of Michigan. Ive settled on the debt and paid a majority which they told me it was accepted. I never received any confirmation letter that the debt has been settled. LJ Ross said they mailed it, they emailed me. I NEVER GOT ANYTHING. Ive called multiple times to confirm this but they never sent me any communication. Every time I call they tell me they sent it or they had the wrong email. They sent the remainder of my debt to another debt collector so its important I get my settlement letter

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have opened a chime bank account and transferred my money from my old bank account to this new chime one, it was a XXXX XXXX transfer from XXXX to chime. At first they restricted the account and asked for documents to get it unrestricted, they did nothing. The other day they locked my account and I called numerous times and sent emails to get back into my account as all my money is in it. Now today I wake up and get emails saying all my accounts with this bank have been closed with all of my money still in them.

Company response to consumer: Closed with explanation