vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX contact me requesting money for XXXX XXXX  and XXXX to put in a XXXXXXXX XXXX account that was an error. I went to my bank CHASE to informed that was fraudulent activity error in the accounts and they just stated the money was already cash in XXXX and they did not help me I contact XXXX back and they said the same I need to go to CHASE to find resolution and they say they can not recall the wire transfer due was already cash only accepted after 30 minutes cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.

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 2022-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
Fedloan Servicing is still reporting student loan account with a balance to all three major credit reporting agencies even though the account was transferred to another servicer and they are no longer Servicing any federal student loans. I initiated a dispute stating the account has a XXXX balance and should be reflected as closed and they did not respond properly. They had a remark added to my account that I disagreed with the result of the dispute. They failed to update the account balance to XXXX  and to update the account status as closed. The account was transferred to XXXX on XX/XX/2022 and they still have not corrected the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
On XX/XX/XXXX Gemini Trust restricted all customer access to their accounts and any transfer of their assets out of Gemini. Since XXXX had recently gone bankrupt I contacted my bank and stopped a pending ach deposit of {$700.00} from depositing into Gemini. 
I had enough in my Gemini account for Gemini to reverse any credit they extended so they would be out no funds ( kept {$700.00} in dollars for them ) but I was worried they were going under and didn't want to lose more. 
A Gemini rep contacted me in the morning on XX/XX/XXXX via emailing stating they restricted my account. I explained what happened and encouraged them to reverse the credit, which they did at XXXX on XX/XX/XXXX ... ... .but it's now XX/XX/XXXX and Gemini continues to restrict my access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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:
On XX/XX/ I sent a certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) to Transunion asking to please verify the accuracy of the following 4 unauthorized hard inquires I noticed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter back from Transunion stating that the inquires are verified and reporting correctly when In fact they are not. The inquires posted on my consumer report are not attached or connected to any accounts of mine. I also did not give any written consent to report hard inquires on my profile. Transunion is not doing their job by disobeying the law and violating my rights. 

XXXX In responded to their response back with a second certified letter ( tracking number - XXXX XXXX XXXX XXXX XXXX ) stating that the inquires are not reporting accurate and need to be removed immediately or I will have to seek remedy. 

15 u.s.c. 1681 section 602 A states I have the right the privacy.

15 u.s.c. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 u.s.c. 1681 section 604 A section 2 states a consumer reporting agency can not furnish without my written consent.

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 2022-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Commenity Bank has contacted several individuals of my family, including extended family, in regards to credit card debt owed and on at least 3 occasions disclosed specific information in regards to the debt. 

On XX/XX/XXXX Commenity contacted my sister and gave her specific information on my debts owed and disclosed that there was a balance of {$4000.00}. It is believed that they were under the impression that it was my wife they were speaking to as they only used " XXXX '' and our last name. Regardless, my wife is not authorized for information on this account either. I am the sole owner of the debt. 

This is the second time Commenity has corresponded with my sister and has given specific information ; however, the first date was not documented by me personally but it is believed to be in the XXXX timeframe. 

They have also contacted my step father as well. Both of those individuals had disclosed balances and personal information in regards to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received an email on XX/XX/2022 that there was a credit inquiry on my card that was a soft check on XXXX & XXXX XXXX XXXX  and a hard check from WF CRD SVC on XX/XX/2022 however I have not applied for any credit cards at all.

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 2022-12-09 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) XXXX  and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
My wife went on unpaid XXXX XXXX in XX/XX/2022. I advised the loss mitigation department that I would be having trouble making the payments for the 3 months she was out of work. I've tried multiple times fixing the issue with loss mitigation and the process keeps getting started over. As of now i owe {$4300.00} and have been making on time payments since XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen XXXX unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and XXXX ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with SYNCB/PAYPAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with SYNCB/PAYPAL for reviewing of any sort.

SYNCB/PAYPAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. XXXX ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent XXXX ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.

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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I friend gave me a check drawn on his account at Bank of America When I went to cash the check, I was told that if I was not a B of A customer, their policy was to charge an {$8.00} fee to cash it. 

I am under the impression that if someone issues a draft or a check on his account, the back is required to honor and cash it, subject to identity verification, etc. 
Does the XXXX XXXX XXXX allow such a fee as described above?

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 2022-12-08 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.

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 2022-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In 2019 I requested assistance to reduce my payments due to loss of income. Boa stated they have no programs for clients not in default. Since that time I have not recovered income to afford the late fees and the negative late payment recordings on my credit file. 

My privacy has been violated due to bank of America XXXX my payments late and reducing my 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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XXXX XXXX was approved for an Amazon chase credit card on XX/XX/22. On XX/XX/22 I found out my card was closed, once I called chase bank to find out the reason why I was told by account manager XXXX my account was closed so to many recent inquiries on my credit report. I explained to XXXX those inquiries was not made by me and have been dealing with identity theft. I was not treated like a valuable client I was instead basically told thats my problem to deal with. The whole situation of closing my account just seem like a XXXX matter chase decided to do. A person account should not be closed almost a month later after going through all the necessary channels to get approve then being told account is closed down from something that has happen after getting the card and on top of that matter being closed for something I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report ( XX/XX/XXXX, XX/XX/XXXX ). The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with JPMCB Card Services As well as I do not have an account as defined under 15 USC 16939 ( a ) with JPMCB Card Services for reviewing of any sort. 
JPMCB Card Services is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate if you do not comply with this demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a hard inquiry for a company called Barclays on XX/XX/2022 that was not made by me. I have no idea who or what that company is.

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Elan Financial Services 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.

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 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, I applied for an American Express credit card and I was denied an extension of credit. I did not receive the credit bureau used to make this decision nor did I receive proof of any reason to why I would have been denied an extension of credit of {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
NOTE XXXX : HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
On XX/XX/2022 I noticed that my credit card statement it was charged with {$310.00} worth of things that I didnt purchase on XX/XX/2022 with a card that I didnt activate because I lost my card after I paid it off in XX/XX/2022. 

I called on XX/XX/2022 and started a claim for the fraudulent charges and they assigned the claim case to XXXX. Ive tried contacting XXXX 3 times and left 2 voicemails within the past 3 weeks and havent received a phone call back. 

Today I find out XXXX stated in the system that he tried contacting me on XX/XX/2022 ( he didnt call or leave a voicemail ) and he closed the claim stating that it was wasnt any fraudulent charges with a card that I never activated. 

Please help me with this this.

Company response to consumer: Closed with explanation