vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2022 I received an email from XXXX to authorize or decline an invoice. I did not click on the link in the mail. 

I went to my XXXX account online and with the two step authentication and declined payment of the invoice of {$550.00}. 

I then called the phone number listed within the XXXX message because it was suggested that I call. 

On the XXXX page listed a phone number that I called. ( XXXX ) XXXX. I reached out to someone on this number who said he was from XXXX and he would help me reverse the charges. 

He asked me to add an app. I said this doesn't feel right. I deleted the app later so I don't recall the name. 

He said that there were numerous other charges from XXXX and XXXX in addition to the original one I was calling about. He said that he could help me fix it and get my money back. 

We went to the XXXX app and he had me add email addresses and buy XXXX. He said that we had to enter it this way for a refund to my checking account. I said I don't see any credit in my checking account by doing this. I was assured that I would be refunded the amounts. It would take time to refund. A total of {$420.00} was charged with XXXX using my Chase Visa/debit card. 

At one point he said that he could not hear me and would call me back. He then called from another phone number. 

I am embarrassed to say that I was tricked and scammed. 

You need to know that I called this number from the XXXX website. The phone number was not in the original email they sent me. 

I suspect the scammer was the original person I spoke to and may very well be working within XXXX. He then had someone else call on a different phone number to scam me. 

I stopped when my bank called and suggested that I hang up from the guy because there were numerous suspicious charges on my checking account. I hung up and the scammer continually tried to call me back. I did not respond. 

It has taken me hours to try to figure this out. 

The Chase  initially replaced the money that was taken from my XXXX and XXXX accounts. They did research and determined that the fraud was done on my own phone and they removed the money from my account. 

Following are the amounts taken from my Chase  checking accounts that were not by me. The person said he was from XXXX removed this money : XXXX {$420.00} XXXX {$800.00} Chase  initially put money in my account due to fraud after I called and identified the fraudulent charges. 

Later on XX/XX/2022 and XX/XX/2022, Chase removed this money from my checking account because they said the fraud was done on my phone by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Checked balance of VanillaGift Card XXXX XX/XX/2022 and saw a fraudulent purchase made XX/XX/2022 XXXX. to XXXX. XXXX in the amount of {$290.00}. I did not make this purchase and I have never heard of this company. 

I immediately called the phone number on the card and was told to go online and file a dispute with VanillaGift Card and they immediately cancelled the card. Please see attached Dispute Packet filed and sent to InComm.Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Experian via phone and Mail and through cfpb in hopes of getting these Unverifiable accounts removed but Experian employees failed to resonably investigate the issue and failed to understand there FCRA Requirements for over a year time frame. You failed to do so giving me a reason to believe my information is being tampered with. My credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXXXXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and EXPERIAN still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Experian to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc

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 2022-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have sent multiple ftc reports in XXXX XXXX along with id and they refuse to accept it as id and process the ftc reports even after providing personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX  I, Account Number # 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.

15 U.S.C 1681c ( 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 crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NV

Complaint narrative:
I have reached out to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX Georgia XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXXDOFED Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX  Account Number : XXXXXXXX  Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX Bankruptcy  Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from 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 non-monetary relief
Consumer complaint received 2022-10-21 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: NV

Complaint narrative:
I have reached out to the following credit bureaus : XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
XXXX XXXX XXXX Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX XXXX  Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from 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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have requested in-house assistance with SANTANDER concerning the accounts that were to be RETITLED. SANTANDER was XXXX XXXX  were the XXXX, XXXX XXXX XXXX, was assured by the bank that his estate plan via his Irrevocable Trust upon his death would be administered as his Trust and Last Will and Testament dictated. 

I visited at least 2 different Branches that were acquainted with the accounts and each refused my TRUST CERTIFICATE and the copy of the RETITLEMENT request from XX/XX/2008. I called on the phone to the Corporate office, spoke to DECEDENT affairs and spoke to 2 different persons from the EXECUTIVE offices who REFUSE to follow the process or rules for closing accounts and releasing funds of a deceased account holder with an duly executed ESTATE PLAN. 

The Bank is refusing me access to my inheritance and 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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Total Auto Finance
State: VA

Complaint narrative:
I just wanted to retrieve my personal property out of the repossessed vehicle. The tow company XXXX XXXX XXXX said that Total Auto finance has a contract with them that states the borrower must pay {$75.00} to get their personal belongings. I was advised by an attorney that I should have been able to get my items at no cost. Both companies refused to let me get my items. I drove over an XXXX XXXX hours to the tow lot just to be told that Total Auto Finance claims they have no knowledge of the policy and the two company saying they can not let me retrieve my items even though I brought the key and my ID upon arrival.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AAA Collections
State: SD

Complaint narrative:
I received a notification that they allegedly owned alleged debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. 
I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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 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 XXXX XXXX over XXXX has me at a score around XXXX. 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 n 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 XXXX 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I notified the lender on XX/XX/XXXX requesting that the apply MLA or SCRA to my accounts with the company. I even attached a copy of my spouse 's XXXX to the request. I the received this email : Case No : XXXX XX/XX/XXXX Dear Thank you for your email received in our office on XX/XX/XXXX regarding your Servicemember Civil Relief Act ( SCRA ) interest relief eligibility request. We previously requested a copy of your military XXXX and/or a letter from your commanding officer and reviewed this info. 

We carefully reviewed everything you provided and unfortunately your account is not eligible for an interest rate reduction under the SCRA. Your account is not eligible because SCRA requires that the obligation be " incurred by a servicemember, or the servicemember and the servicemembers spouse jointly '' to qualify for rate reduction under the SCRA. Note : TN does not provide additional state interest rate benefit extensions to spouses and dependents. We verified your information on the Department of Manpower Defense ( DMDC ) website based on the information provided to us. Enclosed, please find the DMDC certification we obtained to support our decision. We are happy to review any additional information or documentation you may have. 

At Upgrade, we are dedicated to supporting our military servicemembers. We thank you for your service and for choosing Upgrade. Please do not hesitate to contact our Customer Support team if we can be of any further assistance. 

Sincerely, XXXX Upgrade Help Center ( XXXX ) XXXX I then emailed them again requesting the MLA and got nothing back. Not only did I receive this email but when I sent the email requesting SCRA and MLA the company then decided to reduce my credit limit with them not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, 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. SUMMIT ACCOUNT RESOLUTION XX/XX/2021 XXXX 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. 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS received my loan due to a service transfer XXXX XXXX ( payment already submitted to previous lender ) XXXX payment went unpaid, i noticed it was not withdrawn as i set up to be done at closing originally and i called in to make payment the first week of XX/XX/2022 for both XXXX and XX/XX/2022 and all was caught up. I went to purchase a new vehicle and i was told that my credit was reported late for the month of XXXX, i called into the company and they stated they were unable to update the reporting due to the transferred 60day grace period being over. this maybe a system issue/coding but the payment or the month it was transferred over was paid and XXXX payment was made to solve both XXXX and XXXX this drastically hurt my score and i was unable to be approved due to this. The refusal to correct this issue is unfair and abusive to me and a customer although this is one credit hit it has been extremely stressful on me as my credit is something that i take care of! IF the servicing transfer never took place this would have never happened which makes this completely unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved.

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