vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Received text from Chase saying an unauthorized transaction was made and to decline or approve. 

Declined transaction, then received a call from a phone number claiming to be chase. 

Said someone was attempting to transfer {$2000.00} to an external account that was added to XXXX. 

They had us log in and then send money to our own account which was already registered with XXXX. 

Somehow they deleted our info associated with XXXX and attached another account through XXXX. When I moved money from my account it went instead to their account. 

Chase claims it is our fault but because our account was already registered it should not have been a problem as the account was already registered with my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX  Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit 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 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Trying to sell a house that has a security deed that should have been cancelled the loan was paid off XX/XX/XXXX. XXXX XXXX acquired the loan from XXXX XXXX ; the Security deed for XXXX XXXX  was cancelled and recorded in the deed book XX/XX/XXXX. The XXXX security deed was recorded XX/XX/XXXX. Bank of America acquired the loan from XXXX. However, they did not cancel the XXXX Deed when they took over the Mortgage. From XX/XX/XXXX I have tried to get the deed canceled or a notarized statement saying that the loan was paid on XXXX. I have sent BOA the HUD1 statement with the payoff information, and the refinance loan document with the Deed of Trust. Just today they send me an email saying the loan was transferred to XXXX XXXX  along with the funds for the payoff. I am in a desperate position because I have a closing date for XX/XX/XXXX. I have change the closing date 3 time from XX/XX/XXXX due to BOA lack of help in resolving the matter

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 2021-11-17 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: FL

Complaint narrative:
I have reached out to XXXX XXXX XXXX via email on several occasions to discuss the erroneous reporting of inaccuracy on my credit profile that has caused my credit report to suffer 25 points. The bureau ( Experian ) did an investigation and XXXX XXXX XXXX has verified and certified that on XX/XX/2021, my account was included in a bankruptcy. I am requesting XXXX XXXX XXXX to show me proof on where they have obtained this information. This is a complete violation of the FCRA. I will be contacting the XXXX  and showing them the erroneous information that you have reported on my credit profile and you're continuing to LIE by saying its valid and accurate. Why is the account showing a balance? Why was the last reporting of a negative remark made on the credit report in XX/XX/2021? I will be suing you and the credit bureaus.

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 2021-11-17 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I received an email that the collection of Midland Credit Management was removed on XX/XX/XXXX or around there on my XXXX XXXX is correct, but on my XXXX and XXXX is still showing Midland Credit Management is still on my report on those bureaus. I believe that's unfair and unjust to not remove all 3 bureaus not just one and still trying to collect and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My wife, XXXX XXXX, and I opened a Citi Elevate checking account and Citi Accelerate Savings account in XXXX. Once the accounts were finally set up, we transferred funds ( ~ $ XXXX ) from our existing accounts at XXXX and XXXX XXXX XXXX. Those transactions successfully went through from those external accounts the first and second week of XXXX. This Sunday ( XX/XX/XXXX ) we found out that we could no longer log in to our account and that the account was locked. My wife called on Monday and was told that Citi closed the account due to suspicious activity and that we would get a letter in the mail in 7-10 days notifying us of the closure and then it would be 30-60 days before we could get our money back. We were told that a supervisor would contact us to discuss this issue but no such contact was made. This closure was done without notifying us first and Citi made no efforts to verify the validity of the transactions ; in fact, we were never told what activity triggered the closure. Today ( XX/XX/XXXX ) we received an email indicating that the account was closed due to an apparent violation of the terms of service. We were not told what was violated and were provided no recourse. I called Citi again today ( XX/XX/XXXX ) and they indicated that there was suspicious activity on the account and that they closed the account because it presented a risk to Citi. They told me the same information as they told my wife and said that the account was closed by their back end account managers and that they could do nothing about it. They could not connect me to said account manager to discuss the issue. 

This behavior is totally unacceptable in our opinion as now almost all of our money is locked in a closed Citi account for 30-60 days while they review this. Citi could have notified us of the suspicious activity and sought to verify the validity of the transactions. They could have also blocked the transactions and notified us so that we could rectify the situation. Instead, they unilaterally decided to close the account without any notification and froze our money in their bank. The fact that there is no way to access this money sooner or dispute the closure is unacceptable.

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 2021-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX shows opened in XXXX/2012 this is not my account. My identity was stolen and has been being used for years. They have opened bank accounts in my name while making some payments and leaving others my social security card along with my identification and birth certificate has been compromised I have filed a police report, written letters to the company and to Experian, I've sent in lease to where I lived in 2012, sent in proof of identity and a bill showing where I reside now. Its been years and Experian still has this on my report, the creditor hasn't responded for years after sending certified letters. This information needs to be blocked from my Experian credit file. They are in violation of the fair credit reporting 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian based on inaccurate report from : XXXX XXXX XXXX in collaboration with : XXXX XXXX without the necessary due process and investigation has included the following inaccurate information : Accounts ever late 1 Collections 1 in my credit report and has tarnished our excellent credit score of above 820 to less than 700 and interfering with out ability to obtain loans at lower interest rates. 

Numerous dispute filing and several letters indicating the fact that the amount claimed by XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX ) is baseless have finally produced the outcome of " Account paid and closed '', but the above two baseless indicators still remain our my credit report. 

This is after, with great reluctance, we agreed and paid XXXX XXXX for an entire month of their services, at an exaggerated amount, when we never actually utilized their services, since we were already under the contract for exactly the same services with XXXX. We paid, so that the inaccurate information our credit would be erased. That has not happened yet!! 

This complaint is against both Experian, for attempting to destroy credit worthiness of consumers, simply based on receiving a report by a collection agency, and against XXXX for their lack of accuracy in keeping track of their equipment returned by consumer, the difficulties that they created when it comes to terminating their services and charging consumers for the entire month of services, even though the services were not utilized.

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
This companies response did not address any of my complaint and deflected from the fact that they violated my HIPPA rights and privacy. I requested this company provide me with a contract bearing my signature between myself and them. I will be filing a HIPPA complaint on this company. This debt was not verified. This is not my debt. This company stated they will stop all communications at my request. I requested they remove this negative item from my credit report and cease and desist all collections efforts. In their response the stated I requested to cease and desist all communication. I demand National Recovery Agency to remove this item all 3 of my credit reporting files. I will be sending the documents you use to violate my HIPPA rights and privacy to the Office for Civil Rights ( OCR ). I request also that the CFPB send this response back to the National Recovery Agency for an appropriate resolution.

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 2021-11-17 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Management XX/XX/2018 amount : {$100.00} I am the natural person, Creditor and Consumer according to 15 USC 1692a ( 3 ) - defines Consumer Pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft.

15 USC 1681 ( 4 ) 15 USC 1681b 15 USC 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had aribration with Wells Fargo Bank. I sent them a email 24 hours in advance to have them cancle and get a new time for a couple reasons. The thing Wells Fargo did it without me and told JAMS I had not sent my paper work in to XXXX at Wells Fargo. That is not true. She confirmed the First batch I sent and never did the second batch. Then they told the XXXX a lie about me calling 13 years ago and telling them I didnt want my only Transprotation I am XXXX that is not even possible, The Jams came up with 2000 more in a refund. Wells Fargo has paid me XXXX which I sent back. Then XXXX. 
then XXXX with all these checks Wells Didnt gtet a hold of the Trustee from the Chapter XXXX I had to file because of wells Fargos Fraud XXXX Now when I ask about Outside Help and They sent a letter telling me how they will have to get a hold of Trustee now. 
Thats fine I have a Lawyer and she has the paper work I only used XXXX of my exemptions and I didnt own a home so I have XXXX there to be able to protect this. I never have had IRS issues in my life and the Crazy things that is going on with them sure soulds alot like a Case wells forclosed on a home and the Guy raised a stink next thing he is having IRS issues because Wells fargo Bank told the IRS to mess with the guy. I believe fully thats what Wells fargo Bank has done to us. Anybody that would say I didnt send my paper work and so on would do anything.

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 2021-11-17 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX, I Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  - XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This credit card company calls me at least 10 Times a day from identified numbers as well as private numbers. They have contacted my relatives and revealed themselves as a creditor looking to settle a debt. I am now on a payment plan but I called to see why they would call a relative I rarely see and speak on an account that she is in now way associated with. I called the company and they answered every question but why they called and revealed my debt to my relative. It is illegal to tell anyone but me about my debt. They can call a relative legally only to inquire about how to get in contact with me but it is illegal to reveal they are attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: World Acceptance Corporation
State: TN

Complaint narrative:
1.I have never had an account with this company WORLD FINANCE CORPORATION XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WORLD FINANCE CORPORATION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation