vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I used clover as my business merchant service provider. On XX/XX/2023, Clover decided to close my merchant account and held over {$23000.00} fund as reserve. The fund are held over 90 days now and when I requested an update, the representative advised the the fund will stay there forever and advised that I will not receive the fund that belongs to my business.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights and have added credit inquiries on my credit report that I didnt authorize and demand removal immediately. 

They are as followed : Inquiry details : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was informed on XX/XX/2023, that my checking and savings accounts with JP Morgan Chase are closed. There is a remaining balance of {$27000.00} in my checking and {$1300.00} in my savings. They said it was because of suspicious activities but did not say which activity they flagged as suspicious nor give me any opportunity to explain. It has been two months, and there has been no investigation or communication with me regarding the issue. I also did not know when I could hear from them regarding the check. I will be happy to explain what each transaction is about, and I have been a customer with Chase for over ten years. I have been calling Chase every other week to check my account 's situation but have heard nothing back. This is my only bank account, and now I have to borrow money from friends and family to pay the mortgage and living expenses. It is very frustrating that they are closing my account for no reason, and I have no idea how long my money will be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
XX/XX/2023 : Provided company with document from the XXXX XXXX XXXXXXXXXXXX XXXX affirming my status as a XXXX veteran and stating that as such I am not obliged to pay property taxes. Requested company to provide refund of property taxes paid. Subsequently made several attempts during the second half of XXXX and also during first week of XXXX to speak with a company representative in order to obtain information about the status of the refund of property taxes. I have not been able to speak with anyone. Similarly, because the company 's website is not functioning properly, I can not access my account information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Received an " automated '' text message from Portfolio Recovery Associates on XX/XX/XXXX regarding a debt that they purchased through someone else. I unsubscribed to receive messages/telephone calls from said debt collector. I then received a phone call from them on XX/XX/XXXX at XXXXXXXX XXXX and again XX/XX/XXXX at XXXXXXXX XXXX. I rejected both calls as I had already unsubscribed from receiving calls/text messages from the debt collector. Then on XX/XX/XXXX, I received another " automated '' text message from Portfolio Recovery Associates, to which I attempted to unsubscribe once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately. 

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!! 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXXXXXX XXXX XXXXXXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/1993 After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As of XX/XX/2020 Equifax and XXXX has not reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXX and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX.I have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. 
As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

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 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have never ceased the payments on the loan, even during payment pause. I have continued to pay the {$140.00} per month on the payment which is actually {$140.00}. 

I received an email today saying I missed the first payment since the payment pause was lifted. I have digital records showing I have sent the payment consistently throughout the duration of the payment cycle ( for years ) I feel this is a simple problem where payment may be misdirected ( they have changes acct # 's with no notice to me, I see this on their website after todays email ) but can not get in touch with the Aidvantage, they will NOT answer, they have NO email and their chat is a BOT. 

I just want to get this solved and understand where my payments are going. This whole.student loan issue is a mess since they transferred it to Aidvantage without any option. I contacted them and have held for HOURS and not ever picking up. I just want an agent to help me understand this issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with Chase, the XXXX XXXX XXXXXXXX had an error on the XX/XX/XXXX transactions scheduled for that day. Due to the manual error, information that was sent could not be processed and they said returns would be done. This is a direct deposit for my paycheck. XXXX and Chase have both been pointing fingers at each other saying the other has to fix the issues that remain. Chase says that XXXX has not resubmitted the payment file as needed and XXXX says that since it submitted it the first time, they don't NEED to do anything else because it's a bank processing error. Even though the XXXX XXXX XXXXXXXX says the originators have to resubmit it. In the meantime, I am being charged late fees and have no money for anything. It is now the XXXX of XXXX. They said this problem actually started on the XXXX of XXXX. Neither said will give me a timeline of when this issue will be resolved. They have sent no emails to any customers, not just myself in regard to this. Many people are in the negative and are being charged fees FROM THE BANKS because of THEIR ERRORS. They have not talked about compensation ; they have only said it's the other persons fault each time we try to talk to them. There are thousands, if not millions of people who have still not received their paychecks. They even closed over the weekend and pushed things off even though this is a crisis for many of us. I want compensation for this debacle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: MI

Complaint narrative:
I recently applied for and apartment.I was not told that my credit will be pulled and besides that it doesnt matter about anything on my credit reportI was denied to fake n false information that this company providedThe living WOMAN..Not the public PERSON.Im not your fiction ALL CAPS ORGANIZATION that the STATE OF MICHIGAN CREATEDI come from GOD.So this fraudulent company has incorrect information on my report & refuse to send me the CREDIT REPORT.I am livid and disappointed in these CORPS.Meadowood apartments has no right to DENY me anythingDISCRIMINATION at its finest.I dealt with this company last summer and I sent them over documents showing that the criminal record was liesSo this XXXX corps once again REPORTING FALSE information so LIVING WOMAN THAT IS MY XXXX do move into areas that is nice.This company claims they dont make decisionsHowever they have FALSE INFORMATION ON MY REPORT AND SENDING IT TO THIRD PARTIES WITHOUT WRITTEN CONSENTBoth companies are in DIRECT VIOLATION OF MY PRIVACY AND his cause me some much stress do to DISCRIMINATIONTelling me that my CREDIT REPORT HAS ANY REASON FOR DENIAL.FRAUD and VIOLATING MY CIVIL RIGHTS AND PRIVATE RIGHTS as a SOVEREIGN WOMANNone of your CORPS GOVERN MEI govern myselfSo I am completely over the lies and FRAUD.And telling living women and MEN that we denied sue to a FAKE CREDIT REPORT SCANDALI want this company investigated due to fact they have FALSE INFORMATION ON MY REPORT.And when I asked for my report they denied it unless I give them my PRIVATE INFORMATION

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire consumers has inaccurate information on my report. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The paid off amount is not accurate. Monthly payment is inaccurate. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Since XX/XX/XXXX my bankruptcy was deleted from LexisNexis as of the writing of this complaint. This has not been resolved, after XXXX phone calls and letters being sent they have refused to send the letter stating my bankruptcy was deleted I have spoken to many XXXX from their company all of them have agreed and supervisor have confirmed that the other department has not sent this letter after being requested to be sent out. The case number is XXXX I have been lied to many times behind this unprofessional tactics of peoples information including mine. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO

Complaint narrative:
I am a XXXX XXXX  with XXXX XXXX XXXX. My account has been under investigation for chargers I did not authorize. This investigation has been going on for close to 3 years. Recently I received some money from my school and I can not get this money because bank mobile is holding it for security reasons. I understand their concern. My issue is that I always call bank mobile asking for an update and each time Im always told that they will send me an email which most times I never get. I feel like they cant solve my problem so I want them to take the hold off my account so I can get what Im owed. About last week I received an email from bank mobile saying my access to my account was still restricted but in the same XXXX minutes got another email saying they took all the holds off my account and I now have full access. Called them and was yelled at by a supervisor named XXXX. He said my account is still locked because they only completed one case on my account. Then why and who sent the email? Was that a mistake on their end, were they lying or trying to calm me down for a minute. It seems to me this bank is unfit to provide accurate information to their customers. I was told they would call me back in XXXX hours, its a new week and no update and no calls. I feel like bank Mobile isnt trying to solve my issue and just want to hold my money as many other students have this same issue with them. I filed a complaint with another company and bank XXXX told them the reason they cant solve my case is because I never filed paper work which is true but then how come when I call thats never the reason why. They always say they will send an escalation to their higher ups and send me an email which they NEVER DO!! I want my money and I want it now stop the whole investigation what they can solve is giving me access to my account. They know its me calling them they know its me so why cant I just get access to get my money all I need to do is change my bank information. Any other bank would have been had this issue 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: IL

Complaint narrative:
My credit and identity monitoring service notified me that a credit report had been requested on me with XXXX. Since I hadnt applied for a loan, gotten a credit card or anything related, I pursued this issue. 

Ostensibly the company that made the request for my credit report was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX The phone number is a XXXX area number and when I XXXX  it, the number appears to belong to an individual in a southern suburb of XXXX. 

I contacted Elan Financial, was transferred to their fraud department, but was told they couldnt help me as they only dealt with credit card fraud on cards held by their customers. I asked if there was someone else I could talk to and they said no. 

Ive since had security freezes put on all three credit reporting agencies but XXXX said they wont remove the inquiry until I file a report, which is why Im filing this.

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