vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My husband is a US Citizen living in the XXXX with me and our son. His military pension is paid monthly into our US Chase Bank account, every month we initiate a wire transfer from Chase Bank to XXXX XXXX Bank here in the XXXX. 

On XXXX XXXX, 2022 ; my husband initiated the normal monthly wire transfer in the amount of {$1.00} ( XXXX ), using our stored bank information with Chase as it is a repeat wire transfer. Transaction ID was given for the wire and we have a image of the wire transaction initiation. The wire was never received, my husband contact online customer service to request status of the wire transfer, we were informed that Chase has incorrectly wired the funds to another branch in the US in error. A case number was assigned ( XXXX ) We were informed that they would set about a wire recovery and to allow 3 to 5 days to see the funds retuned. 

XX/XX/XXXX, no funds, contact again by online support again. Told funds still not arrived. Husband then called Arizona Branch of Chase Bank ( our branch ) and spoke to the manager, who then escalated the case to urgent. She was leaving on vacation the next day but placed all notes in the account. 

XX/XX/XXXX, no funds, contacted again customer service and spoke to a manager who then read a disclaimer that although every attempt to recover funds will be made, there is no guarantee! How is this possible when this was a bank error, not an error on our part. 

We are now in arrears with our rent here in the XXXX ( after 9 years of renting our impeccable on time payment history has been tarnished ). In addition we ar

e unable to purchase food for our son and household. We can not reach anyone, and we are constantly told we will get a phone call in return in 2 hours, and 6 hours later no phone call. Our money has been fraudulently placed somewhere
and we are told we can not guarantee return, and even if we do get return we are subject to any return fees for an error by the banking facility not the client.
why was the money not refunded immediately upon realization that a banking error was made by Chase, then they open an internal investigation. Why is the consumer being held hostage in this manner. We have made many international phone calls at expense, time differences has caused us to take time off work to make calls ( husband works evening hours ). And still 10 days after the wire was initiated we have no clear understanding on how it happened, when the money is returned, and what we can do. 

I urgently beg that you assist us in this matter as a matter of urgency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
I have reviewed my credit report and very upset to see the below are still can be seen in there. I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. If you can not verify these accounts meaning they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and very upset to see the below are still can be seen in there. I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. If you can not verify these accounts meaning they are fraudulent.

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 2022-03-10 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: NY

Complaint narrative:
I never engaged in giving this company the consent to obtain my information, this company is unlawfully reporting, and this is in violation of law made by congress this information is not information relating to any transaction by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NY

Complaint narrative:
I never engaged in giving this company the consent to obtain my information, this company is unlawfully reporting, and this is in violation of law made by congress this information is not information relating to any transaction by me.

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 2022-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter to Equifax notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
I have already informed you that the listed items from the letter I sent was inaccurate and incorrect. I feel I was betrayed that after your investigation the items are still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MD

Complaint narrative:
I have already informed you that the listed items from the letter I sent was inaccurate and incorrect. I feel I was betrayed that after your investigation the items are still showing on my report.

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 2022-03-10 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:
After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IL

Complaint narrative:
After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of 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 2022-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I called to ask about opening my LOC up from being frozen. I have been making payments on time for XXXX months. I was told an underwriter would need to review and I would hear back in XXXX days. I have not heard or seen any communication and the LOC is still frozen. This is consistent poor behavior from BOA and there is no information on my online profile what status my loan is in. 

Every time I call in i get bounced around and no one has the right information.

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 2022-03-10 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter to Experian notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.

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 2022-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022 I sent a letter to TransUnion notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.

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 2022-03-10 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: NY

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items are still showing in there. I am writing because errors in my credit report doesn't fix your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NY

Complaint narrative:
After reviewing my credit report, I am not happy to see the below items are still showing in there. I am writing because errors in my credit report doesn't fix your investigation.

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 2022-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has allowed my ex-husband to mobile deposit several federal tax refund and stimulus checks totaling around XXXX to his account that has my name on them without requiring my signature. I do not have a account with my ex nor do I have an account with Wells Fargo. He simply checks a box on the back of the check and writes for deposit only. I have filed a complaint with Wells Fargo and they called me to let me know that they were not correcting this problem and there's nothing they could do for me. I will have to hire an attorney and take him to court for the money to be paid that Wells Fargo has allowed him to commit fraud and steal from me. There is clearly a problem with how mobile deposits are monitored and its apparent they are not audited with Wells Fargo. Wells Fargo should have removed the funds from the deposits from my ex husband 's account until he properly attained my signature allowing the deposit to be made legally.

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 2022-03-10 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: Lendmark Financial Services
State: TX

Complaint narrative:
Lendmark financial illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by Lendmark Financial.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AR

Complaint narrative:
In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about 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 explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
This is my second time addressing this issue with Equifax and XXXX through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, EQUIFAX AND XXXX continue to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX, woke up, ATM card shut off, can not access account. Called support desk, stated it was shut off and they will mail me a new card, did not know when it would be sent. I said I can not access my account, they hung up. I called back, mind you, 2 hour wait times. Again, told account shut down, I asked why it was turned off before new was activated, said she did not know, I asked for a supervisor on the floor, she said, they do not have those and hung up again. Truist bank. I had to go to branch and close my account in person and to get 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 2022-03-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters and dispute address on line providing documents on what should be my address an Experian is still not willing to deleted previous address that are not mine

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 2022-03-10 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: IN

Complaint narrative:
I am not sure of these accounts with XXXX XXXX XXXX XXXX and XXXX. These accounts are unfamiliar to me and I don't remember having any agreement with them. These were reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this company.

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 2022-03-10 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: GA

Complaint narrative:
This is my second time addressing this issue with XXXX and Transunion through the CFPB. The charged off account known as Department of Ed XXXX XXXX has multiple inaccuracies. 

1. No last payment dates ( How can you verify if account was to be charged off with no last date of payment? Charge offs are implemented after 120 days of no payments from the last payment date ) 2. They were also reporting 90-days late within the time span of 30 days. ( Blatant inaccuracy ) XXXX. In XX/XX/2018 account is reporting as current and in good standing ; then in XX/XX/2018, ( the very next month ) account reports as 90 days late. ( NOT POSSIBLE ) THIS IS A VIOLATION! 
3. There were multiple times where I wrote these agencies and received no response at all and they continue to this day, reporting this negative, erroneous account. 


My rights have been violated for several years. 

According to FCRA Section 623 ( a ) ( 1 ) ( C ), and I quote in part " A credit reporting agency CAN NOT UNDER ANY CIRCUMSTANCES, REPORT ANY INFORMATION THE CONSUMER HAS TOLD YOU IS INACCURATE IF IT IS, IN FACT, INACCURATE. '' In my previous dispute I attached the undeniable proof of INACCURATE CREDIT REPORTING, yet even after notification via repeated letters to each agency and the CFPB, XXXX AND TRANSUNION continue to report this 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 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My money has been placed in paypal for a long time, and I have been unable to withdraw my money. I have contacted them for many times, but they always say that they are still reviewing, so I don't know how long I need to wait My email address XXXX XXXX

Company response to consumer: Closed with explanation