vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
On XX/XX/2022, I had returned from a long underway to find out a collection on my credit report due to payment not being made for my ohne bill with XXXX. I immediately contacted XXXX about the recent collection made on my credit report and how I could get it reviewed or dispupted. I explained to them my unfortunate circumstance as to why payment couldn't be made, which is solely due to XXXX XXXX and or XXXX ; with no internet access it made it quite difficult to make any payments. 

I kindly requested and or disputed to have the collection on my credit report with XXXX removed due to XXXX XXXX XXXX understood my request and asked I should provide proof of XXXX  or a copy of XXXX XXXX  I submitted all document as requested for the review. 

Unfortunately XXXX failed to report back of their findings or investigation whether it being through email, mail, and or a phone call. I gave them a call back to find out the status or my dispute, I was told that the charges are all valid and that they can not make any changes. I was told by their repersentative to reach out to the third party company " RPM '' ( Receivables Performance Management ), that's handling the collection, to dispute with them. I did so by reaching out to them and made a dispute to have it removed due to XXXX XXXX. 

They got all documents and got in contact with XXXX once again. XXXX reported back to RPM stating that the charges are valid and wont remove the collection, even after I provided, and as requested by XXXX and RPM, as proof in order to remove the collection XXXX XXXX XXXX and transfer documents from the XXXX to both parties. 

XXXX and the collection agency refuse to cooperate and or take into consideration my absence and or reasoning behind my defaulted payments.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have called multiple times and have tried to explain to them that I have been a victime of identity fraud and I keep getting emails about a Citibank statement and have given them my social security number and they tell me that i failed the two step authentication I need them to close this account which I dont know nothing about

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 2022-07-18 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:
XX/XX/2022, I sent a letter to Equifax and posted it on this site as well, with a concern that my personal information was inaccurate. Please ask them to correct my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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:
I have a social security number associated with my credit report thats not mine number ending in 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 2022-07-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from XXXX for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from XXXX for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was attempting to sell a piece of furniture through XXXX XXXX for {$80.00}. A prospective buyer contacted me and wished to purchase the piece through a XXXX payment. 

After agreeing to this, I received a fraudulent e-mail stating that my XXXX account was not authorized to receive the funds and that it needed to be upgraded to a " business account. '' To make this upgrade, I had to send the buyer {$300.00} which would then be refunded to me. I complied and sent the {$300.00}. The fraudulent buyer maintained communication throughout this process via XXXX XXXX, which gave me a false sense of confidence that this transaction was legitimate. 

After this, I received another e-mail stating that the authorization did not occur and that I needed to send an additional {$700.00}. I complied again. After this, I received another e-mail stating that there was an error and that I needed to send yet another {$700.00}. I complied once more. 

Finally, I received another fraudulent e-mail from XXXX stating that I needed to send another {$1500.00}. I did NOT do this, as at this point I realized I was being scammed. I contacted Chase bank immediately and was told that my money ( {$1700.00} ) could not be recovered as I had technically authorized the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is reporting Invalid address I have mailed 2 letters, copy of ID and a bill and they will not correct it.

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I was given a Vanilla Gift Card by a friend for doing XXXX XXXX work. When I tried to use the card, it stated I had a " Zero '' or " 0 '' balance. I never use the card ( never taken out of the package ). I called Vanilla Gift Card Customer Service to report fraudulent use of the gift card. The Customer Service Rep stated that the card was used at " Game Stop in XXXXXXXX XXXX '' and one other company ( not use of the name ). I informed them that I am in California and have not visited XXXX or placed an order ( online ) at XXXX XXXX. 
I submitted the requested forms, copies of the credit card, and receipt to the Fraud Department. I waited a month later to see if they had received my paperwork. I was informed that they had not received the paperwork ( after received verbal notification that the requested information was received ) and once the paperwork was I will get an e-mail from the Fraud Department. I resubmitted the paperwork ( s ) and got an e-mail dated XX/XX/2022. Per phone conversation, the investigation of fraud witll take 45-90 days. I called on Mon XX/XX/2022 to follow up and they said the Customer Service Rep ( XXXX who is in XXXX XXXX ) stated that the paperwork ( s ) was received on XX/XX/2022. I need to call back on XX/XX/2022 to check the status. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}. 

It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a fraud alert from my bank, Chase, on XXXX. They asked if I had made a XXXX transaction for $ XXXX. And to reply 1 for yes and 2 for no. I replied 2 for no because I didnt authorize this transaction. I didnt think anything of this because I get these texts all the time. They said okay and we will call you shortly to discuss. They soon called and had me enter my cell number back into my account to reverse the $ XXXX back to me. Because I was putting in my cell, I thought the funds were coming back to me. This entire time they are posing as Chase employees and the phone number is disguised as an XXXX ( a Chase number ). The exact same thing happened the next morning. I only realized it was a scam after the second call when the caller abruptly hung up on me. Then I knew instantly. I called the bank right away. They said XXXX is instant and there is nothing they can do. Although, I dont believe they did anything until after the holiday. I still dont know what happened. If my cell phone is entered in as the account number, how does the money go somewhere else?? Its just very confusing. My entire account was messed up because of this. I had to close my checking account and open a new one. I have a lot of automated bill payments coming out of my account, so this has been a disaster. Im still constantly getting Chase fraud calls. I think Im going to have to change my XXXX year old cell number : ( Ive been with this bank XXXX years, so Im not happy with the outcome. They said Im to blame and they cant recover the money, so no refund. I understand that I made a mistake, but how do these people pose as employees, text me from Chase Bank and call me from Chase Bank. None of that is my fault. 
The total amount I lost was $ XXXX ; $ XXXX for each transaction. Im a widow with a son starting his freshman year in college. I cant afford this. 
It has been submitted to fraud department twice at the bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
XX/XX/XXXX {$120.00} sent to XXXX XXXX acting as representative for XXXX XXXX who was sent {$110.00} on XX/XX/XXXX. Others on XXXX  said she is a well known XXXX and she was active on social media fan pages for XXXX. XXXX is a scammer and never sent any of the items promised. She used PayPal and they claim to not be able to do anything about it. SOMEONE SHOULD BE TRACKING THIS GIRL! XXXX said her family runs their own XXXX  server to scam people so now PayPal and XXXX are both a part of their scam of people. PayPal told me to file a dispute/claim with you so here it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with Navy Federal Credit Union, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with XXXX XXXX  and Navy Federal Credit Union. The amount of stolen funds is over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TX

Complaint narrative:
I requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
A familiar phone number called me so I answered, and it was a man saying it was XXXX  XXXX and that since my account had been frozen, they were about to disconnect services in 30 minutes. I had indeed had trouble with XXXX XXXX in the past few months, so this was believable. The person told me that a zelle payment would be the fastest way to take care of it, so I sent the amount of {$490.00} through the Zelle portal in my XXXX banking app to the recepient. Neither XXXX or Zelle is being helpful in recovering my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

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