vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: NC

Complaint narrative:
I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked for verification documents including the original signed contract agreement, the dates the account was opened/closed, and the total amount due including interest/ fees. Also In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Accounts # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that 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 explanation
Consumer complaint received 2023-03-22 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: OH

Complaint narrative:
[ See attached documents! ] I disputed XXXX XXXXXXXX and XXXX XXXX XXXX multiple times with Transunion. I have submitted an FTC report and any supporting documents needed. Each time they have indicated the accounts were verified however, I never received an original contract with my signature from the bureau or the company reporting my information. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please block and remove the accounts listed in my FTC 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 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Scam XXXX take my money as the following : XX/XX/XXXX XXXX From XXXXXXXX XXXX wire transfer at second day I got a call : fraud JP Morgan Chase Bank did 7 times wire transfer to the scammer, until today they never call me just keep going sent to scammer. some time receiver also Chase bank 's customer. 

XX/XX/XXXX {$19000.00} XX/XX/XXXX {$57000.00} XX/XX/XXXX {$70000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
This is the collection Agency : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX TO XXXX PST Email : XXXX Sent a letter requesting to pay a debt without further information. We asked for more information and said we believe this to be wrong and gave the reasons why. They refuse to give us more information and keep acting like this needs to be paid now they are saying its urgent. We thought this was scam because of the unprofessional but it is legit. They have called me asking to pay and we repeatedly say we need to see proof they have no proof. They are being very short and unprofessional not saying anything but the amount we owe. Please see below what we have said to them : " Dear Genesis, Your reply is unresponsive to my email. I accept your reply as an admission that Genesis failed to verify the charges and Genesis does not possess any documents supporting the alleged charges other than the lease agreement. Please note that the lease agreement does not verify or support the charges. Despite our repeated request for verification, we have not received verification for the unsubstantiated alleged charges you seek to collect. 

Regards, XXXX XXXX, XXXX. '' Right after this they asked to pay. They are not legitimate or not doing this properly they should be flagged or audited for poorly doing business according to the law and our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing another complaint because Wells Fargo Bank continues to misrepresent the truth in my case. The latest correspondence came on XXXX. Again they stated, as per their tape recordings, that I only applied for a {$20000.00} and never asked for a {$10000.00} as I have asserted over the last year. In XX/XX/XXXX, I applied for a {$10000.00} loan with loan consultant XXXX XXXX. XXXX XXXX stated since my house is almost paid for, I should borrow {$100000.00}. I told him that I am a XXXX XXXX  on a fixed income and I can only afford to pay back {$10000.00}. He began to badger me and tried to force to borrow {$75000.00} which I also refused and refused his next offer of {$50000.00}. He continued his rude tactics trying to force me to borrow XXXX XXXX.At that point I informed him that I have a XXXX  XXXX  and he is causing me to have an XXXX XXXX. He continued and told me that. I was not going to get a {$10000.00} loan because there would be no benefit in keeping the loan at {$10000.00} due to the closing cost being rolled over into the new mortgage. This is evidenced in the correspondence submitted dated XX/XX/XXXX on page two, third paragraph. The fact that XXXX XXXX also tried to force me to borrow more than I could afford to pay back is evidenced n the correspondence submitted dated XX/XX/XXXX, on page two, third paragraph, where Case Specialist XXXX XXXX stated that XXXX XXXX recommended the higher amounts to save me on out of pocket closing cost The correspondence today again insisted that their tape recordings prove that I only asked for a {$20000.00} and never asked for a {$10000.00} loan which is totally false. I asked for copies of these tapes as per the Freedom of Information and The Open Records act but my request was refused.

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 2023-03-22 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: OH

Complaint narrative:
I submitted my third dispute recently on XX/XX/XXXX with Transunion regarding XXXX XXXX XXXX. I informed them the account is reporting inaccurate information and I am a victim of identity theft. They have stated the account was verified however, I never received proof of this verification from Transunion or the creditor. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please follow the federal law and block and remove the accounts listed in my FTC report or I will have to seek litigation.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
While we were in Tennessee in XX/XX/2018 we stayed at a Wyndham XXXX. While there, during a 2 day presentation ( was not the normal 90 minutes they advertise ), we were presented with the proposition to purchase Penthouse accommodations at their resorts. 
Husband was interested so he asked for information. During the " 2 days '' and a promise to call us ( still waiting for the telephone call ), he showed more interest. We came back to Indiana thinking we would have much bigger and better rooms on our next trip. What a joke we later discover. This came to husband via someone by telephone telling him he needed to check his deed. It was for a timeshare somewhere in Florida. The word Florida was NEVER mentioned during the 2 day presentation. He proceeded to contact a lawyer which was aware of this happening to individuals by Wyndham XXXX. Never got any good results as the attorney died. Then we are notified that Barclays Bank was involved in the lawsuit and never have figured that out as to why. Since then my husband has died and I have lost the business so I have no income. I would like to have this removed from credit report as they car CROOKED and they know 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 2023-03-22 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: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed 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 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
WF froze my account due to many XXXX that customers send to my account. They allowed XXXX to continue flowing in until I was ready to wire the funds to order products they froze my account and noted that the account will be closed on XX/XX/XXXX and funds to be disbursed thereafter. Today XX/XX/XXXX when I called them to enquire about my funds they said theyve extended the closure date till XX/XX/XXXX all while I lose business opportunities. 

I am requesting that they closed my account now and return all my funds back to me or give me access to my funds so that I can transfer them elsewhere. 

Its unfair that they are holding my funds for no obvious reason and then profiting from my funds while I lose on great opportunities.

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 2023-03-22 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: FL

Complaint narrative:
It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax, XXXX, and XXXX credit report : Account name : XXXX XXXX XXXX  Acct number : XXXX Date open : XX/XX/. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 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 ; and.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My lawful and factual claim was close without merit or interruption based on expost-facto law. No interruption of terms occurring even after they were successfully prosecuted for use of excessive interest rates by their own Attorney General Office In Iowa, recently after my complaint. 

The MCL is on the books as a factual existing Law. The fact that their claim is after the fact is a matter of law. Contractually, whether I was aware of the law at the time of contracting ; the law existed. " Per Michigan statutory interest rate ceilings Part 1 Lenders subject to credit reform act '' in their factual existence are Criminal. 

Whereas, Sanction of the loss, or from the use, of interest will be barred for the use of interest barring contacts over 25 % and shall be imposed in a court of law. 

Giving me grounds for Suit for rescission and criminal usury if so needed. The reply was received in full details TODAY XX/XX/22. I claim to believe the current regulation MCL 438.41 in Michigan. I provided protects consumers. 

This is brutally affecting my credit score. Bringing it to a dangerous levels and I should have the all around protections of the bureau.

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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im a XXXX XXXX. I was defrauded and scammed by a company that employed me. I had alerted both Citi Bank and XXXXXXXX XXXX. In addition I have filed complaints with the XXXX XXXX police, the FBI, the Department of Justice, the Secret Service I had perfect credit! 
XXXX XXXX completely understood the issues and has appreciated and treated me with dignity. Issued a new card and is working with me. 
Citi Bank, has treated me as if I was the criminal. They closed not only the account involved but my second account which was in effected. They have made false statements to the credit bureaus and are defaming my good name and credit. I even sent all of the documents to XXXX XXXX, XXXX of Citi Group in NY. She has not responded and in fact Citi continues to treat me like the criminal and fraudster. Im meeting with an attorney tomorrow. This is the short of a long saga, but I suggest people should be aware of how Citi Bank treats their customers, especially a XXXX XXXX  with perfect 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 2023-03-22 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: I.C. System, Inc.
State: FL

Complaint narrative:
I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXX XXXX XXXX XXXX : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO CHILDSUPPORT ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO I C SYSTEM ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX  ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : 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 explanation
Consumer complaint received 2023-03-22 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:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate.

They have committed countless violations and has blatantly shown total disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I sold my watch to a company XXXX XXXX XXXX, they sent me a check for {$3200.00} on XX/XX/2023, I deposited the check in my account electronically via my phone app with CHASE Bank , couple of days later I try to use my card and it gets declined. I call the bank and they said the check was flagged as potential fraud and consequently they restricted my account and may close it and they need the issuer to call them to tell them the check is legit. I provided them with several numbers after contacting the company, CHASE kept repeating that none of these numbers are verified. Their next suggestion was for the company to recall the check, the company refused to do so, their reason is We can not void the check anymore because your bank CHASE cashed and scanned it. So we cant void at this point. Chase kept toying with me for a week repeating the same thing, claiming procedures and not trying to help or look for an alternative, consequently, I am late on my bills, my credit score has been damaged due to Chase actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Called into Chase customer service on XX/XX/23 to discuss getting promotional benefits early. The specific benefit was the companion pass on their XXXX Credit Card. The customer service agent advised that I could receive the companion earlier than the expected timeframe and I would see it applied to my account by XX/XX/23. I booked my flight ( departure on XX/XX/23 ) based off this information and under the expectation that I would use the companion pass for my XXXX XXXX XXXX daughter. 

Reviewed my XXXX account on XX/XX/23 and did not see the companion pass added to the account. I contacted Chase customer again on XX/XX/23 and escalated to a supervisor to review my account. The supervisor advised that I was given inaccurate information and told me I would not be receiving the companion pass benefit prior to my flight. I told the supervisor that I never would have booked this flight had I known I would have to pay for the additional seat for my daughter. The supervisor advised that they would provide feedback to the customer service agent but there was nothing else they could do for, regardless if I booked a flight under false pretenses. When reviewing flights today to add my daughter, it was going to cost nearly {$400.00}.

Company response to consumer: Closed with non-monetary relief