vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The is the second time that Chase has automatically sent an ACH from my account when the auto XXXX has not been activated. Chase sent an ACH without my consent or permission AGAIN. I made a manual ACH payment on XX/XX/2023 and today, XX/XX/2023, I received a notification that my account has been overdrawn due to Chase sending an automatic ACH for the same transaction. Again, auto ACH is turned off and has not been activated. I manually sent the XXXX. 

Since this has happened before, I reached out to XXXX from the Executive Office at Chase who assisted me previously. This appears to be a recurring issue in Chases system. Regardless it is an issue in Chases system and wholly created by Chase. Due to Chases actions my account is overdrawn by {$4400.00}. Clearly, when Chase represented to me that this issue had been resolved it had not and they were misrepresenting the status of the issue. 

I am unable to conduct business on the account I need the resolved expeditiously and completely. I need the funds returns by end of business on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-06-02 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: AL

Complaint narrative:
I disputed the Bankruptcy the bureau stated it was validated by the courts i reached out to the court court sent a letter stating they do not report to the credit bureaus I sent a copy of the letter to eah bureau and they are refusing to remove the information from the report they were untruhful and saying the courts validated the information when the corts saids clearly they do not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: AL

Complaint narrative:
I disputed the Bankruptcy the bureau stated it was validated by the courts i reached out to the court court sent a letter stating they do not report to the credit bureaus I sent a copy of the letter to eah bureau and they are refusing to remove the information from the report they were untruhful and saying the courts validated the information when the corts saids clearly they do not

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my denied fraud case with Bank of America. As a private living man, on XX/XX/2023, I was at a family gathering at a nearby eatery and my phone was stolen while I was under the influence of alcohol. I later discovered that {$5000.00} was sent out from my Bank of America account without my authorization. 

I immediately reported the fraudulent charges to Bank of America and was initially told that I would receive a temporary credit while they investigated the matter. However, over 9 days later, I was informed that my fraud case was denied. 

I am extremely disappointed with the way my case was handled by Bank of America and their failure to provide me with a satisfactory resolution. The fraudulent charges have caused me significant financial loss and stress. As a private living man, I believe that the denial of my fraud case was unjustified and I am seeking your assistance in resolving this matter. 

I request that the Consumer Financial Protection Bureau investigate my case and take appropriate action against Bank of America for their failure to uphold their obligations and responsibilities to their customers. I also request that you provide me with information on the steps I can take to ensure a fair and just resolution to my case.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one. 
I tried to reach customer service many times without success to report those transactions as fraud. 
My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past. 
Attached goes the 2 screenshots with the unauthorized charges.

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 2023-06-02 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I received a notice that a new collections account had been added to my report on XX/XX/. Over the last couple of days contacted all the parties involved with the credit report, most recently was today, on XXXX when I contacted XXXX regarding the information. Sequim Asset Solution was the reporting agency, and rather than verifying the information they submitted when I disputed the account, they updated my credit report with a false address. I contacted them ( as they are the only party that can remove the collections account from my report ) and they stated that they no longer had this account XXXX XXXX XXXX XXXX had recalled it for review ) and that I needed to contact XXXX XXXX XXXX regarding the report on my credit report. I explained that they were the company that submitted that information and in turn they were the only ones that could get it removed. Even with it being false/incorrect information they still stated they were not going to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX You are in Direct Violation of The Fair Credit Reporting Act ( capital one XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U, S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A cradllor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purposo.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I fell behind on my payments for a home equity line of credit due to Covid 19. Wells Fargo allowed me to suspend payments and recently I was working with them to do a modification. I was initially informed that the payment would be reduced and the loan could be modified after making initial 3 months of trial payments. On the XXXX month I was sent a packet with documents detailing the new agreement and asked to sign off and send to them within 15 days. After reading into the detail it showed that my payment would be increased on the 2nd and 3rd year to an amount higher than initially told, When I spoke to the home preservation department I received conflicting info and no clarity to how this happened. I was told by a rep that I could think about it and that the time period wasn't exactly 15 days but I should just keep paying the monthly trial payment. I proceeded to make a total of 4 payments and when attempting to make my 5th payment I noticed the account was missing from the web portal. I then received a letter stating that the modification was cancelled. When I spoke to the bank they informed me that I was in foreclosure and I would have to re apply for assistance but first send a letter stating why. I'm now waiting for another application but was told that this could be done online and an email would be sent to upload any needed documents. After waiting a week I received no email and I'm still waiting for the application. I don't feel they have been trying to help with anything and I simply want to get this resolved before a foreclosure happens. I received a letter with the inten to foreclose and I'm very unhappy with the deceptive tactics being used by them. Please 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 2023-06-02 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: VA

Complaint narrative:
I Have disputed XXXX XXXX & XX/XX/XXXX with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to XXXX5 U.S.C 1681 section 602 A. Clearly 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 instructions. 



This is a defamation to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card with Bank of America and after I receive the statement of XXXX with a balance full payment of {$1400.00} with a due date of XX/XX/2023. I decided to make a full balance payment on XX/XX/XXXX to avoid being late. Then I noticed on XX/XX/XXXX that because I had set up auto recurring payment in the bank website, the platform had initiated the payment and withdrew the funds from my account. 

I contacted the bank and was told by chat that the refund would take up to two billing cycles, which is insane by the way, but also were told that I can request the refund by phone and it would be much faster. I did the request of the refund by phone and according to the agent it would take a few days of them to process the request but today XX/XX/2023 I decided to call the bank again because I have not received the refund yet and for my surprise I discovered that the refund would take up to 2 billing cycles regardless it was done by phone.

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 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC

Complaint narrative:
In XX/XX/2023, I fell victim to a multi-layered scam operation run by an alias XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from Coinflip to fraudulent firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: WI

Complaint narrative:
Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS 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 2023-06-02 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: TX

Complaint narrative:
Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS 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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Tried to login to my Amazon  credit card account and didnt realize I was trying to login into a fake synchrony website that is completely identical to the Amazon one. I realized it was fake because it said I didnt have an account with them. Went back to the search page and they were side by side identical. Entered all my information to try to retrieve my account because I had forgotten my login and password. Even asked for my last 4 digits of my social

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
So I have a balance on one of my credit card, and I have been paying it down which is increasing my credit score. Last month, the month of XXXX, my XXXX XXXX XXXX to XXXX points, which is excellent. Yesterday, XX/XX/XXXX, I received a notification that my XXXX XXXX from transunion decreased XXXX points. I didn't apply for any loans, credit cards, miss payments etc because I know those things decreased credit scores. Plus, the other two credit Bureau which is XXXX and XXXX didn't decreased my score. I checked the reason why my credit score decreased, it states that a balance on my auto loan has been decreased. The name of that loan is ( XXXX XXXX XXXX XXXX XXXX ). I expected the balance to be decreased, because I make my sure that every month my car loan is paid on time. So I think there has to be an error or glitch on transunion side that makes my credit score fall for no good reason. I also think it's very unacceptable to decreased someone score for no good reasons.

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 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management has called me repeatedly using " No Caller ID '' after I have asked them to stop contacting me, they call and even though my identity was never verified they assured me they " knew who I was '' and the debt they are claiming I, the person who never verified their identity, " would be taken care of '' whether I verified myself or not. I have received calls at XXXXXXXX XXXX  and every hour or so after that from No Caller ID, the man on the phone admitted to doing this but said he " changed his number recently '' and couldn't help that it came up as No Caller ID. The number he gave me, when XXXX, comes up as being fraud and a scam on every link visible on XXXX. 
I am unaware of any debt I " owe '' and have never received any Debt Verification Letter.

Company response to consumer: Closed with non-monetary relief