vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was allowed a forbearance and was told the months would be added to the end of the loan. When this timeframe expired, JP Morgan Chase demanded the total amount due in forbearance instead of adding the amount due to the end of the loan. I do not have {$5000.00} almost to pay the arrears and foreclosure is pending. I applied for mortgage assistance and was denied stating my situation was not temporary. I am so frustrated. I have applied to XXXX agencies for pandemic assistance but am awaiting a decision which can take XXXX weeks longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # 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 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 2022-04-25 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # 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 without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 also 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 explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: ID

Complaint narrative:
A fraudulent collection account has been placed on my credit report. This was placed on my report in XX/XX/2021, disputed, won, and removed from my report. It returned last week. It is from Sequium Asset Solution with the original creditor being XXXX for an address in Illinois ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to be exact ). I have never lived at this address, nor do I know of anyone I am acquainted with or have done business with who would be at this address. As such, it is fraudulent. I have reported this to Sequium and XXXX. Both have labeled it as fraud and submitted a fraud report. They also recommended submitting a police report. I attached the notification on my credit report as a reference ( uploaded document ). Please advise on what I can do to not only have this removed ( Sequium and XXXX I believe will take care of this ) but also take measures so that it does not return on my credit report again. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-25 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I called the CFPB twice to verify my information as per my last complaint and I was told that I need to resubmit my complaint because it was 'closed '. Not sure why this is the case but I am resubmitting my complaint now : commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX / XXXX ( the Scammers ), XXXX : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
Hi, I signed up on Paxful.com ( on XXXX the XXXX ) to convert cryptocurrency into bank wire. After verifying my ID and depositing over XXXX $ ( in crypto ) they decided to freeze my account. They said I violated their TOS, which I never did. 

When your account is frozen, you can't withdraw your funds, so basically they keep your funds untill the decide not to. This is ofcourse a big fraud. 

I've read many complaints about this website ( people that have their accounts frozen for years with thousands of dollars on it ) and all of their good reviews are fake/bought. It's terrible. 

I would love to get some help or a solution. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
this is coming up on all email that i send to my company about my personal bussiness.ss # XXXX XXXX XX/XX/1946 email XXXX XXXX bank account # XXXX please send my money to my bank account been trying XXXX send for XXXX please my money to my account.i had nothing to sell because was not approve by your robinhood Notice of Confidentiality : **This E-mail and any of its attachments may contain XXXX XXXX XXXX XXXX information, which is privileged, confidential, or subject to copyright belonging to the XXXX XXXX XXXX family of companies. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. Thank You. ** this ius coming up on all Email. this is good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Over the last six months, First Financial Asset Management ( FFAM ) kept calling me from XXXX on a debt I allegedly owed to XXXX XXXX XXXX, to whom I owe nothing. I told FFAM that they must have mistaken me for another person with the same time. I have written emails, left messages on FFAM 's website multiple times, and the calls continue day and night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized use of my account..I never received my debit card ... it says ATM withdrawal for XXXX..someone deposited XXXX into my account... I don't own that type of money or know anyone that do... I've been logged out of my account..I tried to pull money thinking my job direct deposit me..but as I just got off the phone and my direct deposit wasn't going to be ready until XXXX payroll week..somebody hacked my account..I never received no mail..my address is XXXX XXXXXXXX XXXX  XXXX FL XXXX 
I haven't updated my driver 's license address to my former address but I mention that in my interview to open account..can you please contact me..I 'm currently out of town..

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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a Debit Card PIN number for an account at Well Fargo I did not open. I do not have an account at Wells Fargo. I notified Wells Fargo in person and received an acknowledgment email however, the contact number provided in the email acknowledgment is not a functioning number. I am concerned given the previous practice of Wells Fargo opening fraudulent accounts. 

I am concerned as to how you can open an account online without any funds with Wells Fargo as the staff in XXXX alluded to? 

I ask that they freeze the account and I am a week in and have yet to receive any updates other than an acknowledgment email

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 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-25 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have not had access to my online account for 3 months. I have called at least 4 times from the number given to me by TRUIST. However, every time l, they do not pick up for an hour and then say that they are not the correct department. Even though its the direct number from an email sent about the locked 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my Checking account with Citibank through 2 unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affadavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affadavit for a decision to be made in regards to the fraud investigation. I called the Citibank Fraud department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. 

Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I receieved the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additonal information, and only left a general line to call with questions.

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 2022-04-25 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: VA

Complaint narrative:
Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Attn : Fraud/Dispute Department XXXX 

XX/XX/2022 Re : Inaccurate Addresses being reported To Whom it may concern : Per most recent credit report dated XXXX XXXX XXXX ; Experian is still willfully reporting inaccurate address ( s ) and Im requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identify or lead to fraud. 

My current and only correct address is XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. Please update the information in my report to reflect, ONLY my above mentioned, true accurate undeniably valid current address and remove all other reporting addresses that are not like the one I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per FCRA, Section 623 since they are not accurate I do not AUTHORIZE Experian to retain or report any addresses that is not accurate or certified. 

In accordance with Consumer Protection laws, I request that these NOTED addresses be removed from my credit report. I know Experian is only legally permitted to distribute reported certified complaint and verified valid claims that are true and as reported. I didnt not give Experian permission to publish outdated or incorrect information about me. I understand that you must complete this update with 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address along with my updated credit report. 

Thank you for your prompt and timely help in this manner. 



Sincerely,

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 2022-04-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF ED/XXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account XXXX XXXX XXXX DEPTEDXXXX Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a 01/12/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX DEPTEDXXXXXXXX  Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022

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