vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a sign on bonus and expense check from my future employer. I made a mobile deposit to my personal checking account with Chase Bank. The bank notified me that the deposit was received and the funds would be available the next business day XX/XX/XXXX, I received a second notice that a hold was on that check and the funds would be made available on XX/XX/XXXX. I was never given any of the funds from this deposit. On XX/XX/XXXX a letter was written to me from Chase explaining that the check was being returned and the funds were being subtracted. On XX/XX/XXXX my direct deposit was made to the account, a payment was scheduled to be deducted and I had access to some funds that I used to send a XXXX to my husband. On XX/XX/XXXX another deposit was made to my account and a return/refund deposit was made to my account for a transaction requested on XX/XX/XXXX. On XX/XX/XXXX I showed available funds. I tried to use the funds by sending a XXXX but the transaction was declined by sender. I then tried to use my debit card and the transaction was declined. I contacted the bank and the phone system said the same funds I was seeing in my account were available for use. I contacted the customer service and they explained my account has been closed. He transferred me to the specialists to discuss. They said because of the check I deposited on XX/XX/XXXX my account was closed for fraud and funds are not available to be released for 1 business day. I waited the business day and on XX/XX/XXXX I again attempted to access those funds that show available to me. I called again from customer service to fraud specialists and they told me that I could close my account at the branch today and they will disburse my funds. I went to the branch and the teller said the hold prevents her from being able to access the funds or close the account and I need to wait to speak to a manager. I called back again to the fraud team while waiting for the manager and they explained that they have to wait for the hold and all the steps to request the hold removal have been satisfied they are waiting for the computer and it will take another business day. They never gave me any of the money and I cant use the funds from my other deposits even though all systems say it is available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My Apple Master Card account was closed by Goldman Sachs without prior notification and about 15 min before my appointment to get a new laptop. The specialist I spoke with to appeal or reverse this decision was deceptive and indicated I received several notices of account closure. I confirmed my address and I was notified it was sent by email. The only emails received were account statements which I can not access due to account closure. My statements were emailed on the XXXX of each month. This is unfair to me as I can no longer see my account details as the only way to access this information was through my Apple Wallet. 

This matter was escalated to a manager who knew my request and desired outcome yet he strung me along for close to an hour. I specifically asked and the manageXXXX confirmed he was aware even though he wouldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
SPS designed a repayment plan that I can not afford, also I can not afford a XXXX dollar a month payment. The repayment plan was designed using incorrect income and expense numbers. Its way to high and I don't understand why they would design a plan that does not fit my budget, wages and expenses. The plan I feel was based on high income numbers, my income has decreased considerably because I have serious XXXX XXXX such as XXXX  XXXX XXXX, I want them to change the plan and make it reasonable to what I can afford to pay, all they are doing instead of helping me, is setting me up for failure and foreclosure. I think there lending practices to me is very unprofessional and they refuse to work with me for a solution although they keep telling me that they are going to help. They have not done anything to help me, and I am afraid of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Same issue but now pushing credit cards even harder. Experian show on my Experian account that my credit score is XXXX while on the first progress credit card it shows XXXX which is in line with the 2 other reporting services. They keep showing me the XXXX to hope I will accept more credit cards and personal loans

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for. 

My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this and get back to me when you can. I appreciate your assistance in this matter. 
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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-07 00:00:00
Product: Credit reporting 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX and was alarmed to discover a fraudulent collection item on my report. The collection is associated with an XXXX XXXX XXXX cell phone account, which I have never owned or had any affiliation with. 

Upon reviewing the details, it is clear that this entry is a result of identity theft or an error, as I have never been an XXXX XXXX XXXX  customer. I am writing to formally request the immediate removal of this fraudulent collection from my credit report. 

I understand the importance of maintaining accurate credit information, and I kindly request your prompt attention to this matter. Please investigate and rectify this issue as soon as possible to prevent any further damage to my credit score. 

Thank you for your assistance in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XXXX of XXXX, I canceled my XXXX XXXX XXXX XXXX  at XXXX. I realized later that I was still being charged, I called and they canceled it again and back dated the date to XXXX. I then called Chase business accounts dept to notify them to stop payments. I explained what had happened, they opened a case and later told me that they couldn't stop the payments, because of that I was charged over draft charges, a total of 11 altogether. Well after lots of going back and forth and 3 audits at XXXX and XXXX, I was refunded XXXX on XX/XX/XXXX, so I called XXXX to request the refund on the 11 over draft that I should have never been charged. XXXX charged me up to XX/XX/XXXX. Chase told me that they would not refund me the over draft. I am requesting to be refunded for the over draft charges, which if they had stopped payment as I had requested, would have never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I made a transfer of {$20000.00} from my linked XXXX Bank on XX/XX/2023, Immediately the money left my XXXX the next day XXXX Bank restricted my account without any valid reason and the money became available after 2 days in my Milli but I wasn't given access to it. I tried to contact their customer representative through email and 'in-chat ' messaging but all I could get is an automated response that they will get back to me in 1-2 Business day. I tried online to search for a representative phone number but XXXX does not have a phone number to call. Every time I sent a message i get response that I will be contacted in XXXX-2 Business day that they are investigative source of fund, till now no one has responded to me and its over a week now.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07 00:00:00
Product: Credit reporting 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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXXXXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX XXXX when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have called and talked to, too many service people so I requested management .... I know have talked to I think three different managers .... I only know their first names they will not give last name... XXXX XXXX XXXX XXXX and XXXX who I had to leave message and still waiting for call back... All and I mean all data from phone conversations should be recorded for them to view, I requested each time for it to be recorded ... ..... I even request for them to read it before we discuss issues... 
None, none of these people have been receptive on resolving any issues... Most claimed they would send my request and I wait weeks to get the same material over and over... 

My request is to have them show me my escrow from my insurance, payments and Taxes ... ..Now for all three years, I have been paying... Each time I get the same material that DOES NOT SHOW MY TOTAL ESCROW... It shows the amount I pay each month in the insurance and nothing on my taxes... I ask for the total not a monthly statement that they keep changing .... 

Now I request all my monthly statement since I have started my payments, I do have most but not all, I want all even the settlement and transfer from my past mortgage holder .... 

Also I want to be fair, but It has't to be on paper and a clear debit to credit numbers ... .. no letter stating that is our record keeping... 

It is obvious I believe SPS is skimming small amounts of money from me and I am sure of others as well ... Just from the past three years I think it is over XXXX just me... I can not prove it I can not get the data or correct numbers to assume either way .... I am also looking in getting paid for going through this, they have .... I think the insurance is being manipulated as well .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to PENTAGON FEDERAL CR UN. In my credit report from XXXX XXXX XXXX, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Am Keep Getting and Error Message and Unable to access my account i contacted current Customer Service and they are Refusing to Fix this Problem with my account or help me gain access to my account everytime when i try to login to Current i keep getting and error we couldnt verify your account please reach out to support for assistance XXXX i have send them several emails asking them to fix my account access and they keep telling me to log out app and reinstalled it i have reinstalled the app several time still cant access my account current is being terrible to me and they are refusing to fix my account XXXX this point am requesting for and investigation for why current is refusing me to give me access to my account on my correct current device please help me with this please at this point i dont know if they are doing this for the fact the account is on hold and they refusing to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief