vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have to withdraw money from my XXXX using XXXX XXXX  They send me a check I deposit this check # XXXX $ XXXXand a second check # XXXX total {$83.00} on XXXX XX/XX/2023 the check was cleared on XXXX XXXX deposited to my account routing # XXXX checking # XXXX I went to used my debit car to put gas was declined I call chase bank from J P Morgan ( chase ) they tell me they put both checks on Hold I went to the chase bank in XXXX XXXX I spoke to XXXX XXXX he call someone else they say they put a hold and restrictions on my account and I have to wait until Wednesday XXXX XX/XX/2023 today I check the account I have a positive balance I went back to get groceries and gas, again declined I went to bank again I have to wait 2 hours because XXXX the banker was assistant another client I call customer service they start asking me questions about where I work before then she says they cant removed the restrictions on my account. XXXX tell me the other lady on the phone want to speak with me then she keep saying the same I have to wait another 10 days I show the banker the two emails they send me saying the hold on my account was removed but they keep saying I have to wait XXXX more days I get upset I ask why? I need my money this lady then tell me Chase bank will issue a check and send it to my home address I ask why? Your customer service say you dint have my money because XXXX has not funds now you are saying chase bank will send me a check for Botha check I deposit in 10 days? I dunno what is happen Im having XXXX on XX/XX/XXXX this was the reason why I have to used my retirement money to pay my copayments I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: KY

Complaint narrative:
See attachments below.

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 2023-03-15 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: GA

Complaint narrative:
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX  ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer 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 2023-03-15 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: GA

Complaint narrative:
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX number XXXX i did not give consent or permission to furnish this on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We deposited a cashiers from selling our vehicle into her account. They held half of it and let us take the other half out. They told us to return in a few days to pull the rest out. When we returned they decided I needed a valid ID as well to pull it out. This is what they told us anyway. Once we return with my updated ID. They decided they didn't know who told us that, and that we were out of luck. They were of no help and basically told us we have to wait until the account is closed to pull it out. We feel cheated and lied to. Wells Fargo XXXX XXXX XXXX, MN is a bad bank. Their XXXX  grade is an F. Majority of their XXXX reviews 1 Star. I am not surprised.

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 2023-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account 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

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

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 non-monetary relief
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXXXXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

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 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam : Re : XXXX deposit with CITIBANK or CITBANK This happened in XXXX before the XXXX financial crisis. I opened a time deposit account with CITIBANK ( not quite sure if it was CITIBANK or CITBANK ) to mature in two years which was in XXXX. Two months before its maturity, I received an email from them saying that the bank is in financial trouble and that they can not return my time deposit money. I was devastated and did not know what to do. The news on TV at the time was all about the collapse of XXXX XXXX and other large banking corporations. All the while I thought my money was safe because I thought FDIC will back them up. Two weeks later, I received a check of {$300.00} from CITIBANK saying that's all they can give me out of my time deposit of {$10000.00}. 

I tried contacting FDIC, but since this happened over 15 years ago they referred me to reach out to Consumer Financial Protection Bureau. 

Note : I don't remember the name of the bank whether it was CITIBANK or CITBANK. 
I do not have the account number. All I can provide to you is my SSN, my full name, my address and email address at that time and my phone number at that time. 

Sincerely, 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 2023-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: FL

Complaint narrative:
No response from company is received to date, CFPB complaint ID XXXX, The lender is making me pay extra money for the certified checks and mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Sheriff arrived at my home on XX/XX/2023 to serve me with papers for debt collection with NO prior communication from the debt collector by mail or phone. 
Summons came from XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, CT XXXX on behalf of Wells Fargo regarding a Breach of Contract for a credit card in the amount of {$9000.00} plus attorney fees. 
There is no history in my phone log from the number associated with the summons. 
There were no voicemails left by the party or any physical mail received in an attempt to collect a debt prior to the summons.

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 2023-03-15 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: PA

Complaint narrative:
Fraudulent Account showing on my credit report. 


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 non-monetary relief
Consumer complaint received 2023-03-15 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: PA

Complaint narrative:
Fraudulent Account showing on my credit report. 


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 2023-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent accounts on my credit report. 

XXXX. Us dept of educationXXXX XXXX XXXX Us dept of educationXXXX 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 non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc.
State: VA

Complaint narrative:
I inquired about putting Solar panels on my home. They did not work for the first couple of months, the panels finally worked-because my electric bill came down to what was promised when I accepted the loan. Other things did not work, such as losing power in certain places in my home. Then the company went bankruptXXXX XXXX. I am stuck paying a loan of {$60000.00} for a product that does nothing. I have filed a complaint with the bankruptcy court in NC where XXXX XXXX case is. I do not want to mess up my credit but I do not want to continue to pay for something that does not work. Dividend financial will continue to take pays out of my bank account. They can only apologize for what XXXX XXXX has done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 knows or has reasonable cause to believe that information is inaccurate.

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 2023-03-15 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: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-15 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: Nelson Cruz & Associates LLC
State: SC

Complaint narrative:
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: AVANTE
State: SC

Complaint narrative:
Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
On XX/XX/2023 a trial modification plan was offered to me. A foreclosure sale date was scheduled a week after that. The sale dat is for XXXX. A modification review is also active. On XX/XX/2023, I received two letters notifying me of a sale dat and another acknowledging that a review for a modification is active. The letter also states that foreclosure actions are currently on hold on the account until XX/XX/2023. The letter went on to say that SPS will not file the first legal action, order of judgement or order of sale until after that date and that if the attorney has scheduled a sale date they will order it for it to be cancelled. This has not happened. This is dual tracking once again. I have spoken to different reps who insist that that sale date should remain even though the letter states it will be cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation