vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On the day of XX/XX/2021 my chase checking account in XXXX was compromised by a 3rd party via XXXX. I immediately called chase and reported the fraud. On Monday I had the XXXX of XXXX I was able to contact the fraud department to cancel my debit card that was on file with eBay and receive a new debit card. I thought everything was fixed chase said they would investigate. That Friday XX/XX/XXXX I received a package at my door. I thought it was strange because I had not ordered any thing. But it was addressed to my name. I opened the package only to see that some one ordered a car part in my name. I was still a little confused but the more I thought, I remembered my ebay account was charged earlier in the week. I logged on only to see that the transaction made on ebay was for car parts. I immediately contacted the seller. Explaining that my account was hacked into n I would like to send the parts back. The seller confirmed with me that I can send them back to the adress listed on the box they were shipped back ups ground with a tracking number XXXX on XX/XX/XXXX. Chase was then called and made aware of what happened and that the all though I was not the buyer but that seller received there merchandise back I also provided chase with all the tracking information. On XX/XX/XXXX chase rules in the favor of the third party who accessed my account and takes the amount of XXXX back out of my account and credits it back to the seller. Me being in a state of shock call chase, and chase tells me to call XXXX. I contacXXXX XXXX and they tell me their is nothing they can do because I contacted my financial institute. XXXX did how ever look into the account and under there investigation they determined there was fraud and that my account was accessed by a third party. They even wrote me a letter to provide to the bank. Saturday XX/XX/XXXX I walked into my local chase branch at XXXX XXXX XXXX XXXX Ga XXXX and talked to XXXX the branch manager phone number XXXX XXXX XXXX I explained the story to XXXX and even showed him my letter from XXXX. XXXX agreed after seeing the letter and faxed it to chase once again for the claim to be reopened. XXXX told me to call the XXXX XXXX number back in 2 days as it would take time to process. On XX/XX/XXXX I received a letter stating a denial to reopening the claim and was a laughed at by a customer representative supervisor by the name of XXXX when I questioned the denial

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 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: OH

Complaint narrative:
I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
Concerning RECEIVING my my NYS UNEMPLOYMENT BENEFITS, CASHAPP CLEARLY DOESN'T RESPECT PPL OF XXXX COMMUNITIES when it comes to XXXX PEOPLE AND ITS COMMUNITY. THE disbursement of my NYS funds cashapp is NOT FOLLOWING. I AM SO TIRED OF CASHAPP AND ALL OTHER MOBILE BANKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Im about to change my phone number, however, there are criminals copying my phone number of XXXX XXXX XXXX XXXX and XXXX XXXX. They are using my Wells Credit card and checking account. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are using my credit cards and banking accounts illegally. 
There also people copying my number trying to ruin my bank accounts. My balance last statement was {$2500.00} and I made a payment for {$74.00}, they rejected the payment, however, they allowed me to use the card. They gave me a confirmation of a valid payment. I only made two purchases after XX/XX/2021. If I pay them the minimum of {$74.00}, I, I should not be over the credit limit. The balance should be around {$2400.00}. If you add XXXX, my balance last statement, plus charges for XXXX at XXXX, plus, XXXX ( XXXX ), plus {$29.00} ( late fee ) then the balance adds to around {$2600.00}. Now if they would have accepted my payment of {$74.00}, then my balance would have been XXXX XXXX. This is well below the limit. They gave me a a confirmation number for my payment which was XXXX. They are XXXX at this company and they reversed my payment and, now, they are trying to charge me double. I never missed a payment. Why do I owe {$120.00} next month in XXXX? 
They are allowing criminals like XXXX XXXX and XXXX XXXX to use my card. They need to be fired. I also believe that the ceo of XXXX, XXXX, XXXX, XXXX and XXXX are trying to ruin my accounts. I am going to have the FBI or other agencies investigate them. Basically, I should only owe them {$74.00}. He is XXXX and reversed my payment ruining my account.

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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I co-signed a lease for my son for the XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX. He was evicted and I was later called repeatedly and notified in a letter from National Credit Systems , Inc XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX that a balance of {$11000.00} was owed. The XXXX XXXX never notified me of any owed rent. I also checked their website and it never showed anything about rent being past due. I mailed National Credit Systems, Inc a letter asking to please itemize specifically what is owed. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: LA

Complaint narrative:
I received a bill from XXXX in the amount of {$130.00}. I instructed XXXX to discontinue my service on XX/XX/XXXX, turned in their equipment to XXXX  two days later, and had already paid the bill for the month of XXXX in advance. XXXX decided to discontinue my service XX/XX/XXXX, nearly a month later, then sent me the bill for their failure to discontinue the service on the date I requested. If their equipment was returned in on XX/XX/XXXX then I had no service for them to bill. I tried to explain that to XXXX when I responded to their bill in writing, but did not get a response from them. Shortly there after, I received a collection letter from XXXX XXXX, XXXX, Texas. I responded to XXXX XXXX in writing with a sequence of events between myself and XXXX explaining why I didn't owe them anything and enclosed a copy of the letter I sent to XXXX. A few weeks later, XXXX XXXX sent me a notice on their decision to stop collection efforts and I figured that was the end of it. Well, around XX/XX/XXXX I received a collection letter from Collection Bureau of The Hudson Valley on behalf of XXXX in the amount of {$130.00}. It is my belief that XXXX is using collection agencies to harass me for a bill that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have reached out to Jefferson Capital on several occasions in regards to a debt that I have no knowledge of that appears on all three major credit reports. Several letters have been sent with no communications in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: GA

Complaint narrative:
I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had credit card debt that i have been paying XXXX XXXX XXXX to take care of my debt .... i paid them close to XXXX XXXX dollars. My payments were going to stop XXXX of 2021, XXXX XXXX XXXX told me that as soon as i pay my last payment in XXXX that i was in the clear and my credit would be restored. I am now being sued by bank of america in which i received a certified letter in my mail box that i didn't even sign for, saying bank of america was going to garnish my wages. i have had no other previous communication with bank of america. any lawyers from bank of america or citadel documnent solutions that this was coming. I emailed the lawyer for bank of america ( XXXX and XXXX in california ) i received one phone call from a para legal secretary that my only option was to give the bank all the money in bulk. i asked to speak to Mr XXXX who is the lawyer, I have yet to receive a call back from him. ( over a week ago ) Please see attached contract agreement with 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 2021-07-07 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: PA

Complaint narrative:
My name is XXXX XXXX, my Personal Information got stolen. I am a victim of Identity theft. I am submitting my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. Specifically a discharged bankruptcy from 2016 that is continually reporting inaccurate and still no proof that it was verified with the COURT DIRECTLY WITH A NAME TITLE ETC. of the person providing this proof. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. XXXX  removed that same bankruptcy over a year ago because it could not be verified and they followed the law. Im desperately asking you all to step in so that maybe I can finally get Transunion to remove this false information and reporting on my credit file.

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 2021-07-07 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: GA

Complaint narrative:
Equifax is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. They are not following the law and I feel are purposely reporting inaccurate information to further hurt minorities and keep us in conditions where we can not progress. Credit is everything and they should only report accurate factual information or remove it if it can not be accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
Account Name : KLSFINANCIAL Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$170.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank told me because I was " tricked '' into sending money on my own through bank of America XXXX then it wasn't fraud I was scammed and it's not likely that I will get my.money back. But they first told me they will freeze XXXX XXXX bank of anerica account that he accepted the money into but then I found out they never immediately did anything and never frozed his account or tried to retrieve my money back. Basically I fell for the trick now say bye bye to my money

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 2021-07-07 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: GA

Complaint narrative:
I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report I did not make these charges mentioned with the list. I achieve all the qualifications under 15 USC 1681c-2 for Blocked and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX XXXX for a long-form fee -theft! 
XX/XX/XXXX XXXX was charged for a late charge. 
XX/XX/XXXX XXXX was taken for a bad check? just getting started with you, XXXX. 
XX/XX/XXXX XXXX was stolen for fake insurance once again XX/XX/XXXX XXXX late charge. wow that's impressive XX/XX/XXXX XXXX taken for escrow again-how much can you take in one month and not get caught XXXX? 

XXXX XXXX for escrow again-hmmmm something is fishy. 
XX/XX/XXXX XXXX late charges-hmmm just unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX fee for bad check? we don't write checks XX/XX/XXXX XXXX county tax disbursement-what county? doesn't say. 
XX/XX/XXXX XXXX to school taxes when you know that is a lie XX/XX/XXXX XXXX for fake hazard insurance-we paid for insurance XXXX XX/XX/XXXX XXXX for fake hazard insurance again XX/XX/XXXX XXXX late fee XX/XX/XXXX XXXX for school taxes again that we were overcharged once again. 
XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX for lock changes? what? unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX principal adjustment- its stealing from us XXXX XX/XX/XXXX XXXX principal adjustment again-stealing XX/XX/XXXX XXXX forbearance fee-what? 

Remove all of this and release the lien. I am just getting warmed up. 

Quit wasting my time with your poor defense. If you're going to be an attorney then you need a defense. How can you defend this? 
You have a commitment to being an attorney if you would like me to print it out and send to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have an auto loan that i did not receive statements since XX/XX/2020. I tried calling the bank but was on hold with long wait times. As it turns out, i was not getting the statements because they failed to update my address after we relocated on XXXX XXXX military orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021, I called customer service at M & T Bank, where I have a checking account. I asked about the policy related to the negotiation of a USPS money order. I was told that maybe the XXXX, Maryland branch would cash it, but my funds could be held for up to five days. I attempted to cash the {$1000.00} USPS money order at M & T Bank, XXXX, Maryland. First, the cashier said that she could not cash it. The manager then stated that I could deposit the USPS money order in the ATM and withdraw {$250.00}. I deposited the money order and was not able to withdraw {$250.00}, so the manager overrode the system, giving me {$250.00}. However, this caused my account to be overdrawn. 

I then received a highly offensive letter from M & T Bank dated XX/XX/2021 stating that " We have information that indicates that the check may not be paid '' -- essentially accusing me of the unlawful act of attempting to pass a fraudulent money order ( they referred to it as a " check '' in this offensive letter ). This offensive letter further stated, quite falsely that, " These funds will be available on the 5th business day after the day of your deposit. Ten calendar days and seven business days have passed, and I still do not have access to my funds. M & T 's app and website both indicate that I have an available balance of $ XXXX, yet when I attempted to transfer funds to my other bank account, I received an extremely offensive email that fraud had mostly likely occurred on my account. 

I called M & T 's customer service again. The agent " promised '' me that my funds would be available by the morning of XX/XX/2021 -- erroneous and false information. Relying upon this false statement XXXX, once again, attempted to transfer funds to my other bank this morning, XX/XX/XXXX. I was unable to transfer my funds as they are still not available. 

Since depositing my USPS money order, each time I have attempted to access my account, whether via the app or the website, I am asked security questions. This is also quite offensive to assume your customer is a criminal for depositing a financial instrument. 

I called customer service, yet again, this morning. I spoke with the first helpful customer service agent, a supervisor named XXXX. She informed me that although I had received assurances that my funds would be available, a fraud investigation has been launched and she did not know when my funds would be available.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation