vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi I sent a international wire transfer of XXXX on XX/XX/2021 for goods for my small buisness and noticed it was taking a few days to deliver .... so I checked my secured messages in my chase app on XX/XX/XXXX th and saw the wire department sent me a message stating my wire transfer was rejected by the recipients bank due to not excepting this form of payment?! And that the money is on its way back to me and will first be converted back to usd then placed in my account typically in 3-5 buisness days. 

Well it has been well over 3-5 buisness days and no money?! I tried reaching out to chase numerous times to get more information on the status or how they can help but no ones knows anything or has any information on how to help track down my funds! To make matters worse the actual wire department no longer excepts calls only email but does not seem to be responding to my emails! Please help me get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted TransUnion of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the 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 2021-04-01 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: VA

Complaint narrative:
I contacted XXXX XXXX to removed XXXX XXXX off my credit report 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX XXXXXXXX to removed XXXX XXXX off my credit report 30 days ago.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021 I sent and email to Kohls/CapitalOne informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Kohls/CapitalOne reflecting as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XX/XX/XXXX I received emails from my old bank 'Bank of America ' account upon looking at my account I noticed that someone was able to login to my account and dispute previous transactions, I immediately tried to log into my banking app on my XXXX and was not able to as it said my access was restricted, I immediately stopped what I was doing and called the Customer Service number, when speaking the lady advised that my account was accessed via phone but not in my location and she transferred me to the fraud department who said that they will try to stop the dispute of transactions the agent then advised that people get into peoples accounts and dispute large transactions and then try to setup transfers to outside accounts which was told this would not happen and was advised that there was not much else I can do but go to the branch the next day. I was such in a Panic I called the XXXX XXXX Police Department in Florida and filed a police report Case # XXXX with Officer XXXX. The next day I arrived at the bank I asked for the branch manager which I sat down with them and explained, immediately they did not believe me, and I was told I had to speak to account protection services which was higher than the fraud department and they said that they will close my account and they will not do business with me ever again, so essentially not believing anything I said. I advised the agent that I had a police report and did everything I was supposed to do to try to report the issue but again did not believe me, I also gave them the police report but nothing. As the months go by I noticed that I was flagged with Early Warning Service as a 'Suspected Fraud ' client so my new account with XXXX was closed without reason. I had a great banking history with Bank of America when I opened my account in XXXX I had the checking account that did not allow overdrafts because I was being responsible, but for them to blame me when I should have been protected as a client of a business should be is ridiculous. The application and online account access should have been smart enough to block the hackers because I was suppose to receive a text message whenever my account is accessed to receive a code to authenticate myself which never happened but they blame me for this. This was unfair treatment of a client and now I am still be penalized for something I did not do.

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 2021-04-02 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: NY

Complaint narrative:
This is my second time contacting Equifax about fraudulent accounts on my credit report. Under Section 15usc 1681c-2 I have all the requirements for blocking the fraudulent accounts on my credit report. I will list them : Appropriate proof of the identity of the consumer which is my government state ID. A copy of an identity theft report which is was filed with the Federal Trade Commission which is an enforcement agency. The identification of such information by the consumer which is on the Identity theft report attached and also the letter that is attached as well. " A statement by the consumer that the information relating to any transaction by the consumer. '' I state that the information that I request to be blocked is not information relating to any transaction by me. I have a notarized letter stating it is me filing this complaint with the CFPB as well as all the Consumer Reporting Agencies so I do not want to hear about I am a " credit repair company. '' Are you saying I'm too stupid to study my consumer rights? This is defamation of my character. There are more than 5 accounts on there but the report only allowed 5 slots.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: AES/PHEAA
State: GA

Complaint narrative:
I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount Fedloan Servicing XX/XX/XXXX {$37000.00} XXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2021 I sent and email to Capital One informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with Capital One reflecting as an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted TransUnion, LLC to removed XXXX XXXX off my credit report 30 days ago.

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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
this company is reporting to all three credit bureaus ( XXXX, transunion, and XXXX ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX in the morning hours Tow truck of Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXXnce at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and Repo my 2020 Toyota XXXX with vin # XXXX License Plate # XXXX with California Expired plates of XX/XX/2020. 

Toyota Financial Services didn't want to accommondate me on my financial hardship and my XXXX XXXX and reduce payments under {$480.00} a month. 
As I respectfully can afford $ XXXX {$350.00} a month but not {$480.00}. 
I even took vehicle to XXXX Toyota to trade vehicle but Toyota Administration didn't want to accept the XXXX XXXX XXXX XXXX of {$14000.00} now vehicle was taken from me and now I don't have no vehicle to attend my Lifetime XXXX appointments with my Dr.XXXX XXXX XXXX in XXXX, Ca. 

Toyota Administration pulled my credit with Experian, without my consent on XXXX and now Repo the vehicle to destroy my credit.

Toyota Administration is in Retaliation and Discrimination because I filed many Federal Government complaints and I consulted with a Law Firm of XXXX XXXX Attorney and a letter was sent on my behalf. 
This is a major Discrimination and Retaliation against me as a XXXXXXXX XXXX XXXX and XXXX Status. 
I will file a Discrimination and Retaliation with XXXX Department of Justice on this issues.

Toyota Administration has placed me on collection of {$26000.00} as now they are going to sell the vehicle for less than {$14000.00} and place the remaining balance in collection with Debt Collector and notifying credit bureaus of Experian, Equifax and Transunion.

Toyota Administration doesn't support our US Military Veterans and our XXXX Citizens and Military Veterans. 
With Honor And Respect Always.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 fund was transferred from my Wells Fargo business bank account to a fraudulent account at XXXX XXXX in the amount of {$9800.00}. Subsequently, {$9800.00} On XX/XX/2021 was wired from my Wells Fargo business Account to an unknown individual in California according to a bank representative that I spoke with over the phone. Wells Fargo denied both claims siting that there appear to be no fraud and seeking to place the blame back on me as if I authorized the transactions on the 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 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
this company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

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 2021-04-02 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: U.S. Auto Sales Inc.
State: VT

Complaint narrative:
In XXXX of XXXX, I purchased a XXXX XXXX XXXX from Us Auto of XXXX SC. A week after having it, I had to have the engine replaced because they forgot to put oil in the engine or failed to check it. I have not missed any payments on it and I take care of it. Fast forward to today, when I was notified by all three credit bureaus that my Us Auto Loan have jumped from XXXX to XXXX yes you read that correctly! Shortly after being notified of this I received a call from our interning mortgagee fianc company that they had checked my credit reports today and seen this change and can not approve my mortgage request ( mistake or not ) until it is resolved and US Auto takes written responsibility of it! I am devastated, I have spent the last year working out of state to help displaced families have housing. I have been away from my own family, put myself in harms way fighting COvid 19 and stayed working so I could save every penny and put myself in position to be able to buy my first home and this happens? I called US Auto Sales only to be told that they only report every month and that it wont be fixed until XXXX. I asked to speak to higher ups and been told I cant. I was laughed at by one rep who said yeah well your XXXX is definitely not worth XXXX! 
I dont know what to do or who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2021 I contacted XXXX to remove XXXX XXXX off my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2021 I contacted TransUnion to remove XXXX XXXX off my credit

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 2021-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I, XXXX XXXX entered a consumer credit transaction with Honda Financial Services on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum all charges in a consumer credit transaction and does not include cash. Honda Financial Services has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Honda Financial Services failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Honda Financial Services failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Honda Financial Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from my bank 'Chase ' that advised that on XX/XX/XXXX the bank made a decision to close my account but advised no reason at all. I immediately called the bank the next morning and called my branch to figure out what was wrong as I have never done anything wrong since I have had this account, I was actually enjoying the features overall. The representative told me on the line there is nothing they can advise and that there is nothing I can do and Chase will no longer do business with me forever. I thought this was a joke, I called my branch and spoke with the guy who helped me open this account in XX/XX/XXXX and he said the account is in 10 closing status, he transferred me to security who advised that they have the information why they closed my account but I am not allowed to know it and I told him I did nothing wrong I have been a great client since opening I mean I have my direct deposit in the account and everything and he said 'nothing I can do, you can get your money out and try another bank ' and then hung up. I am just shocked that I was closed without an explanation, I know a bank has a right to close an account at any time but atleast give me a reason so I may resolve it. So after spending an entire day and calling over and over I was advised that my account was closed internally and I will be listed as a Suspected Fraud Client with Early Warning Services. I am just shocked beyond belief when I did nothing wrong.

Company response to consumer: Closed with explanation