vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed through XXXX for the amount of {$200.00} and {$280.00}. 

I opened two claims with my bank. 

1 ) claim # : XXXX Amount : {$200.00} Money was sent via XXXX to the email address : XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXX XXXX for XX/XX/22. 

This person acknowledged I would not be able to use the tickets as he couldnt access his email address. He stated he would send back the money but refuses. I have screenshots of the amount of messages I have sent and phone calls. He provided me with a copy or a false ticket. 

2 ) claim # : XXXX Amount : {$280.00} Money was sent via XXXX to XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXXs XXXX for XX/XX/22. 

This person lied about having VIP tickets as well. He wanted me to send an additional {$210.00} as he claimed he could not change the tickets to my name. He then admitted he was wrong and would send my money back but he refuses to now.

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: U.S. BANCORP
State: CA

Complaint narrative:
FROM : XXXX XXXX Account # XXXX XXXX XXXX XXXX TO : US BANK ACCOUNT SERVICES Hello, My account is under review for an altered/Fraudulent Check This is a lie. The check was from my Insurance company and I have the proof it is not fake right here. 
I came into the XXXX XXXX branch earlier last week ( XX/XX/2022 ) and spoke with the manager XXXX XXXX. He told me my account was to be closed due to a fraud check which is not true. He actually accused me of this and was very rude. My insurance adjuster provided me the check and the proof my check was real. I cashed this at another bank but you still have my money from a separate {$5000.00} deposit I made before I made this one and my account is still on hold. 
I have attempted to contact him multiple times via phone and email and he wont respond or I got an auto email telling me hes out until the XXXX! 

I need this account restored TODAY I can not allow you to hold this any longer and I have called and emailed your branch and the back office and the fraud dept and multiple times and have been ignored. The branch is the only one who can remove the hold. I want that REMOVED NOW! Here are the images of the check and the link to the page you can view the check issued from my insurance company it matches the check I deposited and the other checks I deposited from this same accident. 
Click Lick for info on check issued XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX You can call my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my account unfrozen and money today the number you gave me said directly TWICE only the bank manager can do this. 
Thank You XXXX XXXX Account # XXXX XXXX XXXX XXXX ATTACHED : IMAGES OF CHECKS

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: 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: FL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent letters asking to do a investigation on my account on XXXX. Accoording to the law there was not a proper investigation done on 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 non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
i discovered on my XXXX report i have the following collection -Collection Agency - NOT MINE.- -Collection Agency CONVERGENT OUTSOURCING, XXXX Balance Date XX/XX/2022,, Original Creditor Name XXXX XXXX XXXX XXXX {$550.00} CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX, WA 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 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: CA

Complaint narrative:
According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.

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: 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX accounts XXXX, and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a CITI credit card and I was paying at least the minimum charge via a transfer from another Bank. 

Last month I was informed that my card was cancelled, they would not tell me the reason until I received a letter in the mail, that said that they had tried to retrieve the payment from XXXX  XXXX XXXX and that there where insufficient amounts ( which is impossible ). What I am being told now is that they actually closed the account because I had insufficient funds three times ( again, impossible ), and that each time they let me know by email. I do not have any email from CITI about any of these supposed three times, actually, I have all the emails saying that I paid the card. 

Now, they are charging me an impossible to pay interest rate. I am paying every month, but each month they increase the interest rate, telling me is because every time that they could not get the payment they have increased the interest rate. I have asked them to explain the process, and they say is because of the three times they tried to collect. Nevertheless, they just increased the interest rate, the times do no match.

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: 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: FL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXX XXXX Inquiry : XXXX. XXXX, 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 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've notified all three credit reporting agencies about fraudulent activities. All have been notified in writing and online of my DISPUTE. 
I'm having issues with XXXX. One of two large accounts has been removed. One from LVNV Funding LLC in the amount of {$2700.00} has not been removed by them. Both of the accounts ( in the amounts of : {$5000.00} & {$2700.00} ) have been removed by XXXX. This reinvestigation has been ongoing for more than 30. I was notified by XXXX they needed to extend the time to XXXX and then extend to XX/XX/XXXX. This one account of {$2700.00} has not been deleted from my credit report with XXXX. Once it is deleted/removed, I will be approved to rent a studio apartment at a HUD community XXXX I've been denied due to these two collections that aren't mine. 
Please help me get this removed as I am a XXXX ( physically, mentally, and financially ) as well as identity theft. There are several people that have my SS number, CA ID, full name, and date of birth. It's very easy for someone to apply for credit in my name. All credit inquiries since XXXX are not mine. I only pay with my debit card or cash. I have not opened any line of credit or applied for anything other than this HUD apartment. Previously I was a home owner for 28 years. 
THANK YOU!

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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: MO

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.

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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

Wells Fargo Bank ( account # XXXX ) and XXXXXXXX XXXX XXXXXXXX ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
XXXX XX/XX/2022 my Zelle profile was inexplicably locked. Both my phone number and my email address were flagged as ineligible for use with Zelle. I contacted my bank ( XXXX  ) in an attempt to resolve the issue through them. XXXX told me they would work to resolve the issue with Zelle and everything would be fixed within a couple of business days, I waited two weeks with no resolution. I filed a support ticket with Zelle directly about this on XX/XX/XXXX, however despite the assurance on Zelle 's website that someone would contact me within two business days I never received any response. After calling my bank nearly a dozen times they were finally able to inform me that a person I had never met claimed I was guilty of {$250.00} of fraud, the claim was filed through a bank I had never done any business with ( XXXX  XXXX ). XXXX told me there was nothing more I could do and that I needed to call Zelle directly. 

I called Zelle, their customer service representative told me I should just file a support ticket through their website. When I told him that I had already done so over a month ago he told me that meant I should just figure out a different way to send money. 

My family and myself previously relied on Zelle to pool money into one bank account in order to pay rent. Zelle 's sudden locking of my account without warning caused some funds to be held 'in limbo ' for a few days, causing enormous financial hardship on all of us. 

Zelle promises to be a " Fast, safe, and easy way to send money '', however they have instead been a slow, insecure, and fraud-ridden way to make money disappear.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up. 

I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt. 

I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.

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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to get a hair cut and when it was all said and done I payed for the cut and was on the way to tip my barber but the accept button was being blocked by the keyboard on the phone so in trying to press the accept button a couple times I added 3 XXXX  and XXXX $ turned to XXXX dollars. I immediately called my bank XXXX XXXX right after 2x and both times they told me not to worry about it cause the spending limit is XXXX. My account is in the negatives and the bank has denied my claim to have it overturned. My barber also sent the money back to me as virtual receipt but a couple days later I called my bank cause their was no change to my account and they told me they don't know where the money went And Im being told that when they close my account it will affect my credit score.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY WERE CLOSING BOTH OF MY CREDIT CARD ACCOUNTS DUE TO HIGH BALANCES. THEY EXPLAINED THAT THROUGH A THIRD PARTY THEY WERE ABLE TO ACCESS MY CREDIT REPORT AND NOTICED THAT I HAD HIGH BALANCES AND OR LOANS. THIS IS DISCRIMINATION, FIRST OF ALL I DID NOT AUTHORIZE THEM TO DUE A REVIEW OF MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM TO CLOSE ANY OF MY ACCOUNTS.

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