vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I was notified by the merchant XXXX  that I had a refund available to me totaling {$1100.00}. I had two options, to receive XXXX credit or have the amount refunded to my credit card. My credit card account, a Chase United Mileage Plus credit card, had been closed in XX/XX/XXXX. I called the number on the back of my card ( I still had the card in my possession at the time ) to find out what would happen if I requested a refund sent back to my closed account. After speaking to a manager, I was notified that if I notified Chase card services of the refund to my closed account, I would be sent a check for the balance to my address on file. I was notified Chase Card Services would hold my funds for 60 days before returning to the merchant. 

I went to the Chase branch near my house on XX/XX/XXXX and requested a banker to help me send notification to Chase Card services including the Transaction ID and all other necessary details regarding the refund to my closed account. She was gracious and helped me fax the information to the correct party. I was expecting a refund check within the next 2 weeks. 

Instead, I received a letter form Chase XXXX XXXX that the refund was not found in their system. I figured I would wait to see if it showed up in the next 10 days ( I was told it could take up to 10 days to receive the refund from XXXX ). 

On XX/XX/XXXX I went back to the Chase branch by my house and asked to send an additional fax with the same information as before to Chase Card Services. About a week later, I received a letter dated XX/XX/XXXX stating that Chase Card Services received my refund and returned the funds to Kiwi.com on XX/XX/XXXX. Chase Card Services told me in this letter to contact XXXX for my refund. 

XXXX is unresponsive and can not be contacted by telephone or email. I sent them a message from my account on their website on XX/XX/XXXX and have not received a response. 

On XX/XX/XXXX I returned to the Chase branch by my house. After spending 1.5 hours on the phone going back and forth with representatives from Chase Card Services, the problem has still not been resolved.

As far as Im concerned, the problem is with Chase Card Services not adhering to their policy of sending me a check for my {$1100.00}. They had no reason to return my refund to Kiwi.com after I had notified them in writing of all information they needed to process the refund and send me a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/2021 I received and inquiry for wells forgot bank I never applied for this bank loan or have a bank either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to courtV

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

I have also submitted an affidavit of fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX is civilly liable for their gross negligence. Attached are the Demand of Removal Letter and signed affidavit of fact that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
This is a submission regarding the same incident indicated in complaint XXXX. EXPERIAN responded to the complaint indicating unauthorized use or some kind of 3rd party. I called EXPERIAN today XX/XX/XXXX to provide verification of my identity. I spoke with a representative, XXXX, who helped me with this matter. XXXX told me EXPERIAN believes they are not civilly liable to me in this matter. XXXX verified my identity, and confirmed that I am the authorized user on this account. There should be no claim by EXPERIAN in regards to any kind of authorization or third party use moving forward. XXXX verified that the account in question was deleted directly after my initial dispute, further proving EXPERIAN 's negligent behavior and willful noncompliance with consumer protection laws. I notified XXXX and EXPERIAN to notate my account with with fact that I called in and verified my identity, as well as the fact that I will be filing an additional CFPB complaint. See initial complaint below : On XX/XX/XXXX I disputed an alleged account # XXXX XXXX XXXX XXXX with EXPERIAN. EXPERIAN reported this inaccurate, incomplete, and unverifiable information without first investigating the validity of the claim by XXXX XXXX XXXX as they are required to do by federal law. EXPERIAN caused me financial injury and defamation of my character by reporting this incomplete, inaccurate, and unverifiable information. EXPERIAN deleted this alleged account from my report due to my dispute report number XXXX. EXPERIAN is civilly liable to me in the amount of {$4000.00} ( XXXX XXXX dollars ) for their willful and negligent noncompliance pursuant 15 USC 1681n and 15 USC 1681o I demand to invoke my specified remedy provided to me as a consumer and natural person protected by 15 USC Chapter 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 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021, XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A.R.M. Solutions, Inc.
State: IL

Complaint narrative:
XXXX uses door to door sales tactics. On or about XX/XX/2021, a sales person came to my home to sell pest solutions. as part of the conversation, I asked if XXXX was licensed/permitted to solicit in XXXX XXXX XXXX Illinois, where I live. I was told they did hold a permit. I agreed to try the service, which was completed that day. I later contacted the XXXX of XXXX XXXX administrative office to find out not only did XXXX not have a solicitation permit, they did not even bother to apply. The representative stated that any company wishing to perform door to door solicitation must obtain a permit for each agent of the company that will be doing the solicitation. 

I contacted XXXX on XX/XX/2021 telling them to cancel my services in reply to an email they sent with an invoice. I later called their offices, canceling my services since I did not hear back from my XX/XX/XXXX email request to cancel. 

I then received text messages on XX/XX/2021 and XX/XX/2021 requesting that I contact their financial services office. I replied back to both texts that I did not owe any money as they lied to me in order to get me to agree to a service. 

I received emails on XX/XX/2021, XX/XX/2021 and XX/XX/2021 trying to collect a balance on the account. I responded on XX/XX/2021 that I would require verification of their solicitation permit before I would pay anything. No response. On XX/XX/2021, I replied to both the text message and the email that I would not pay them anything and to stop contacting me. 

They also have tried to call me on several occasions but I have not talked to anyone since I canceled the service. 

I then received a debt collection letter dated XX/XX/2021 from A.R.M. Solutions, Inc. attempting to collect a debt for XXXX. 

I just sent back a letter to XXXX explaining the illegal business practices and their repeated attempts to collect a debt not owed even after I told them to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account was opened in XX/XX/XXXX with 12 month deferred payment. In XXXX I had loss of income and was unable to make payments. In XXXX of XXXX the account was charged off. Since that time and until this day, creditor continues to report the account as a " charge off ''. I have spoken with them in the past and they maintain they are correct. I was " penalized '' once when they reported as a charge off and now I am being penalized monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to transfer XXXX XXXX  token from my XXXX XXXX  to Binance.US wallet. I mistakenly entered the wrong number in the memo field ( the wallet address was correct ) and as a result the funds were never delivered to my Binance.US wallet. After doing a quick XXXX search, I learned that this is a common, fixable problem and that for a fee ( XXXX typical transfer fee ) Binance.US can/will recover the funds. With that information, I submitted a ticket through Binance 's website. Given that Binance has multiple communication channels for service issues, I also shared that submitted ticket via their XXXX XXXX account. The next day, I heard from a Binance customer service rep in email requesting that I send the recovery fee so they could start the recovery process. They also replied on XXXX. Turns out the email was from a scammer and I lost those funds. Resubmitted a ticket with new information and heard back from Binance who confirmed that I had been scammed and that they could not help me recover the lost recovery fee I had sent over to the scammers. That said, they reassured me that they would recover my original lost funds but it was going to take some time. There was a backlog so they couldn't commit to a timeframe for the funds to appear. Weeks later, I have received no funds BUT they did send me a survey asking me if customer service had successfully solved my problem and if so, was I satisfied. Sensing that this might go on unresolved, I searched again to see what others were saying about this process and many offered that Binance.US is known for scamming their customers and typically doesn't resolve the issue until formal complaints were submitted. That's why I am submitting a complaint today. I hope this leads to a resolution. I've got the transaction details, email exchanges and XXXX posts from my interactions with Binance.US. Finally, I understand and accept that I will need to pay the recovery fee but the money lost far exceeds that XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: UT

Complaint narrative:
I have notified Transunion that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX BANK XXXX CO {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My business checking account was charged a fee on XX/XX/2021 for {$46.00} R/P Same Day - Low Value and {$75.00} R/P Same Day - High Value. I called into your business customer service line and was transferred to business online. I spoke with a young lady that was unprofessional and rude. I waited on hold for over 20 minutes each time I was placed on hold. I was placed on mute and not on hold. After 20 minutes she told me to go into the branch because she couldnt find out why I was being charged the branch setup the charges which is completely untrue. I asked her could she remove the charges if she wasnt aware where they came from or get a supervisor on the line. She place me on hold and never returned to the phone. That is very unprofessional to blow a customer off thats concerned about charges on their account. I run a business I dont have time to keep going to the branch about charges I can easily call customer service about and the answer be provided or the issue resolved. This is horrible! Please this needs to be resolved immediately. That representative needs feedback and training.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 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: MO

Complaint narrative:
On XX/XX/2021 I received and inquiry for XXXX XXXX XXXX I never applied for this bank loan or have a bank either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CT

Complaint narrative:
THESE ACOUNTS WERE OPENED USING MY NAME AT ANOTHER ADDRESS, THERE WERE MARKED AS FRAUD FROM CREDITORS BUT EXPERIAN KEEPS VALIDATING INFO AND KEEP REPORTING IT BECAUSE MY REAL INFO WAS USED EXCEPT ADDRESS AND THERE IS ONE ACCOUNT THAT HAS TOTALLY DIFFENT INFORMATION THAT IS REPORTING XXXX ACCOUNT XXXX XXXX-UPDATED BY EXPERIAN XXXXFRAUD ACCT REPORTING STILL XXXX {$4500.00} REPORTED XXXX FRAUD ACCT REPORTING STILL XXXX {$1100.00} XXXX UNDER NAME XXXX XXXX WHICH IS NOT ME-FRAUD XXXX XXXX XXXX {$490.00} - FRAUD ACCOUT REPORTING XXXX XXXX XXXX XXXX  XXXX XXXX {$4100.00} FRAUD ACCOUT REPORTING STILL ALIAS NAME THAT I ASKED TO BE REMOVED USED FOR FRAUD XXXX XXXX IS STILL 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 non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

THE BUREAUS INC is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

THE BUREAUS INC have used abusive, deceptive, and unfair debt collection practices.

THE BUREAUS INC have violated my consumer right to privacy, I NEVER gave them any my information directly and THE BUREAUS INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the THE BUREAUS INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The investigation report stated inquires are removed but they still show on my credit report. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : THIS INQUIRY HAS BEEN DELETED. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to HUNTER WARFIELD. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian credit reporting service has a bankruptcy on my credit report that is not mine. I asked them to look at all my accounts on my credit report and they will see no accounts have been discharged in bankruptcy or late so the bankruptcy can not exist according to the accounts reported on the report. They didnt do this and said it was verified. I have been denied loans due to this and ask you step in to 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 explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation