vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX, 2023 I deposited a check from XXXX XXXX in the amount of {$64000.00} in my Chase checking account a few days later I deposited a check from XXXX XXXX XXXX in the amount of {$1800.00}. I was informed that the funds would be available on XXXX XXXX, 2023, when that date arrived the funds from both these checks were not available. I contacted Chase customer service and was told the bank had to ascertain that the checks were indeed issued to me and the bank needed a phone number to contact the issuing parties for that purpose. Both of the checks had contact phone numbers on them. I was told by customer service that those phone numbers, the ones actually on the checks, could not be used by Chase to verify the checks. I contacted both of the check issuers and was told the checks were legitimate and Chase should call the phone number provided on the check, I was given additional phone number but these were not acceptable either. I was also told that both checks had been cashed by Chase. I again contacted Chase and was told that Chase did indeed receive the funds but they could not be released to me until I could get a phone that was acceptable to Chase. I was also told that my account would be closed, which it was and I no longer have access to my past transactions involving that account. After my account was closed I received a check from Chase in the amount of {$9800.00} which was the amount in my account minus the {$66000.00} which was held back. I was told that the funds held back would remain with Chase for a period of time and then be sent to the government. I am not sure what that means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: MD

Complaint narrative:
I have opened a multi-dispute with Experian on correcting the error that is been reported on my credit report. Report number XXXX Report number XXXX Report Number XXXX Report Number XXXX. 

I have settled the debt with XXXX XXXX XXXX Account number XXXX with XXXX XXXX as of XX/XX/XXXX. 
Experian has failed to validate my claim thereby reporting a CHARGE OFF of my account from XX/XX/XXXX till date which has affected my overall credit score negatively. 

After getting some good news from CFPB and informing Experian of the outcome of the dispute I submitted Consumer Financial Protection Bureau ( Ref. No. XXXX ), Experian has still failed to update my account. 
I have uploaded proof on the experian.com/upload website and the customer care folks from Experian said they can find the upload. The whole system is flawed and the XXXX XXXX that is been perpetuated by Experian by the negative credit score reported monthly for 4 months is totally unfair.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX there were a card open in my name fraudulently for the amount of XXXX I didnt authorize this card. I have send documentation to JPMCD as this is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A Caller claimed to be from " TSI '' according to the Caller ID. The number was XXXX they were trying to get information out of me and whenever I kept asking them what was about it they were ignoring my questions and became very demanding. I hung up the phone and blocked it. I ask this number be taken down so it doesn't go after me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is my second complaint Citibank says I have to wait to receive correspondence in the mail. Ive already received it and verified myself over 10 times. Yet still my card doesnt work

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 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to TransUnion I sent them communication letters regarding the errors and inaccurate information in my report such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid. 
Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another. 

My question to you is, when and how is this debt going to finally get resolved? 
Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders. 

Can you please help me out? 

Sincerely, 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 2023-04-21 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 — Investigation took more than 30 days
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a call from Bank of America & I thought it was urgent so I took the call. The guy was telling me that my account was hacked and in order for them to recover the funds, I would need to make a XXXX payment. Since it was the bank calling, I assumed that thats how it works. But I was fooled & tricked because it was actually a scam! When I reported this to my bank, they told me that I did get scammed. They told me that theyll investigate & will try to retrieve the funds taken out of my bank. After a few days, they got back to me but they didnt succeed into trying to retrieve the funds. They denied my claim & closed the case even though they know that I got scammed. I just feel that they shouldnt have closed it yet & shouldve investigate it furthermore.

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 monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
This complaint is related to my previous complaint. National Credit Systems has reported a collections to the credit agencies while the debt was in dispute, and after I mailed a 'validation of debt ' letter, and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. 

I would like my account reopened and my APR put back to what it was. 

Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. 

I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!

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 monetary relief
Consumer complaint received 2023-04-21 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis continues to violate my consumer right with fair accurate reporting. They also listed another persons ssn, account numbers and account information, outdated information, information not belonging to me, information pass the statute of limitations and fraudulent accounts. I spoke with a supervisor on several occasions with no resolve from XX/XX/2022 until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2023-04-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 have violated my rights.

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage Acct # XXXX -I purchased the property in XXXX, keeping up with my payments even with the economic crash in XXXX which valued my home less than what I paid, and my severe reduction in income -Wells Fargo was handed cash by Federal Government to help homeowners affected by the recession, so I called on mortgage to try to refinance my loan at a lower rate since I was a 6 % - starting the process in XXXX -When I called, I was told by customer service that the only way to qualify for any assistance, I had to be in default in payments -When I did default, they had me apply for their Home Preservation Program -They proceeded to deny my application -They profited from my default fees and late charges -Later when tried to refi again, my credit score was ruined, and they denied my application -I was forced to sell my home after 11 1/2 years, since the 10-year interest only reverted to a conventional loan and the payment increased -I called Wells Fargo to be included their Fair Fund Claim -I still have not received an answer from them

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 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This cable bill was open up in a whole another state with my name being use in a fraud ring. It was open up due to fraud.

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 2023-04-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 I made a payment on my Wells Fargo Auto Loan with my debit card ending XXXX. The 30-Day late item on my Wells Fargo account [ XXXX ] was a result of XXXX XXXX  rejecting the transaction, without my consent. The bounced payment was due to a third-party mistake and not due to my financial status, as shown in my documents.

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 2023-04-21 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
This Target credit card account was paid off but is still showing open and more than the original credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: V and H Portfolio
State: MI

Complaint narrative:
XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX  account. I have been a resident at this address for XXXX years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in 2022 out of nowhere. Remove this item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/2023 someone hacked my computer and XXXX, them self $ XXXX dollars and $ XXXX .I have contacted my bank and XXXXXXXX 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 monetary relief
Consumer complaint received 2023-04-21 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: TN

Complaint narrative:
Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
I pulled my credit report, after I was denied a loan to buy a new home. I found unverifiable, invalidated, inaccurate, and questionable items that this agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer ***XXXX, account # XXXX, account status different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
Multiple calls over a long period of time, almost twice a day, told them to stop calling repeatedly, but they keep callling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received 4 emails in one day of the same invoice for {$330.00} from Pay Pal. 

Pay Pal does not email unsecured invoices. this seems to be a scam invoice

Company response to consumer: Closed with explanation