vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I went to pay {$950.00} to my Chase Freedom Credit card. I used the atm located inside the local Chase at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During the transaction the atm gave me a reciept stating that and error had occured while process the payment, " It looks like there was a problem completing your payment please call XXXX XXXX XXXX for personal credit cards and XXXX XXXX XXXX for business credit cards cards XXXX. '' The next day I went to speak with a banker by the name of XXXX XXXX. She was very helpful and submitted a form and gave a confirmation number, " XXXX - XXXX ''. On the confirmation page there was a number that I called and they told me they recieved my complaint and would investigate. I got a call 5 days later, the representative asked me to verify the particulars and told me that the case is still under investigation. Throughout the time the case is under invesstigation i go back to the locate bank and ask what is being done with the account as it should not reflect the {$950.00} that was paid. The bank temporarily credited the card XXXX but as on today XX/XX/2022 the account still reflect the {$950.00} as not being paid. This entire ordeal is unnecessary and very inconvienent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX XXXX an authorized charge was made from my chime account in the amount of {$40.00}. I was contacted by chime they adivised me to file a dispute, and they immediately sent me a new card. However I never delt with a dispute before I was scared and nervous I felt like maybe my money is not okay. They told me it would take a moment for the dispute because the transaction was not settled. Okay understandable the transaction settled chime never contacted me back. I HAD TO REACH OUT TO CHIME TO FURTHER THE DISPUTE. XXXX days later THEY DECLINED MY REQUEST AND TOLD ME THE HACKER WAS MIMICKING MY ACCOUNT ACTING AS IF THERE ME!!! Okay IF YOUR TELLING ME ITS A SCAMMER WHY HAVENT THEY CREDITED ME MY MONEY? This is UNACCEPTABLE I NEED MY MONEY. Not only THAT XXXX OF THE REPS XXXX  AND TOLD ME I NEED TO SECURE MY ACCOUNT MORE???? This XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SILVERGATE CAPITAL CORPORATION
State: NJ

Complaint narrative:
Initiated an XXXX XXXX withdrawal on XXXX ( {$25000.00} ), XXXX ( {$25000.00} ) and XX/XX/10 ( {$10000.00} ) from XXXX which uses Silvergate bank as the XXXX for omnibus cash in USD. The XXXX withdrawals were all debited from my account on XXXX and processed with silvergate within seconds. Nothing has shown up in my bank account. Was told that XXXX transfers take anywhere between XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 


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 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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 2022-12-22 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: DC

Complaint narrative:
XXXXXXXX XXXX Important dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - vehicle turned in via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX XXXX debt owed and that I had turned in the car to XXXX XXXX Have XXXX XXXX XXXX XXXX this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXXXXXX XXXX XXXX XXXXXXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take XXXX XXXX to deliver XXXX - reach out to head XXXX XXXX who has yet to respond

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 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Background : On XX/XX/XXXX, I sent a request on line to XXXX XXXX XXXX to open a saving account, and within XXXX minutes I received a rejection from the bank due to : Your deposit account score is a number that reflects the information from your deposit account history in your consumer report. 

Then the bank suggested that I contact : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Telephone : XXXX earlywarning.com/consumer The issue : On XX/XX/XXXX, I contacted Early warning and asked them to send me a copy of my deposit account and informed them the reason for XXXX XXXX XXXXXXXX rejecting to open a saving account! 
So I was told that it will take 15 days to complete the report!! And I asked them, the report should be available since it was sent to XXXX XXXX XXXXXXXX. Then they said it is not compatible to be sent to me in current form! 
However as of today, about 60 days later, I have never received the report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
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 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

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
When trying to order an air freshening device through a company called XXXX, a customer service rep contacted me directly and convinced me to switch the order to a subscription service for the oils required in lieu of paying for the machine outright. 
I agreed to a " soft credit check '' and the customer service agent said there was " no contract '' and I could " cancel any time. '' I signed the appropriate paperwork and she initiated a refund for the cost of the device. 
I discovered very quickly that I would never use the allowed amount of oils shipped and attempted to contact the company regarding cancelling the subscription starting XXXX. It was delivered on XX/XX/25 and they apparently have a " 14 day trial period. '' I called and emailed again about 5 days later. No response. I sent another email the next day and called. I got a promise of a supervisor contacting me. No response. By the time I got someone on the phone it was now past the 14-day trial period and I am being told that I can no longer cancel the subscription and it will last for 36 MONTHS. 
I am willing to pay for the cost of the device. This company is giving me the run around. I want this payment cancelled.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I want to pay my installment balance on my Apple Card. I cant. Im told no interest is accrued but I still want to XXXX out my balance. This will allow my credit report to show XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: NJ

Complaint narrative:
Back in 2013 a loan was taken out at Rapid cash in XXXX XXXX, Nv. 2 weeks ago this company electric document processing whose number reached out to me with a case number of XXXX and her name is XXXX XXXX, she advised me to a call XXXX XXXX XXXX XXXX. where a XXXX XXXX answered and transferred me to a XXXX XXXX of the XXXX XXXX XXXX XXXX, he claimed that he was trying to settle for {$500.00} Instead of the {$1000.00}, I advised him does he know what the statue of limitations is for Nevada and he said yes, its only 4 to 6 years, so I said why are you contacting me 10 years later, and he said Ill be served

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This the XXXX since XXXX I have made request with Wells Fargo Bank for XXXX XXXX. I have never request for XXXX XXXX neither I have been provided XXXX XXXX. Refusing to provide XXXX report is XXXX violation. 
CFPB has refusal and CFPB should now choose deal with XXXX violation. 
Wells Fargo Bank stated they provided records yes many times and many times records that was provide not related my concern but totally different. Many times, Wells Fargo Bank response was not even related to my complaints. For example, XXXX facing eats the other facing how response received. 
Many response that was received not correct and they were false and inaccurate. My follow accuracy and response not related to my complaint Wells Fargo Bank never has been corrected, ONCE AGAIN FROM XXXX TO XX/XX/XXXX I NEVER MADE SINGLE REQUEST FOR XXXXXXXX XXXX, I NEVER RECEIVED XXXXXXXX XXXX AND REFUSING TO PROVIDE XXXX XXXX IS XXXX VIOLATION AND CFPB HAS TO TAKE ACTION ON. 
Recent XXXX XXXX XXXX fines are not good, and more fines and restitution should be charged to Wells Fargo Bank in violation of now XXXX and committing perjury. 
Wells Fargo never provided XXXXXXXX XXXX because I have never asked for it since XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX TIME I REQUEST FOR XXXX XXXX IS XX/XX/XXXX AND WELLS FARGO BANK NEVER PROVIDED XXXXXXXX XXXX BECAUSE I HAVE XXXX MADE ANY REQUEST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My company deposited a check into my Bank of America account and the bank closed my account as soon as the check was deposited. I asked them why and they said it was their choice. I asked well how would I get my funds and they said a cashier check will be mailed once the account was closed. Instead of receiving my cashier check I received a letter that my funds will be held until further investigation. I remind you while the account was closing the check was on hold for more than 10 days starting from XX/XX/2022 until XX/XX/2022. Within that timeframe they should have done their investigation. The check cleared and they are still holding my funds. So then I called and asked to speak to a supervisor and they escalated the issue and still no response on why they are holding my funds. I asked what can I do to help with this because they check cleared. I think this is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX and 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 furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I did report to this following companies XXXX and Equifax my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During the XXXX pandemic I was unable to work due to my employer laid off staff and closed due to quarantine, therefore I was late making auto loan payments for an extended period of time during same pandemic. I explained same to my lender who advised me that the matter will be noted. I reviewed my credit report today and found that same auto lender reported my auto loan late for the months of XXXX and XX/XX/XXXX and for the full year of XXXX XX/XX/XXXX up until XX/XX/XXXX. It should be noted that my account was NEVER late before and after the pandemic. My account was late due to a XXXX XXXX in which I or the World had no control over therefore I shouldn't be held liable for same unforeseen events.

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 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
The morning of the sheriff 's sale I had gone in and given a matcheck that was more than I was behind on I have a signed receipt of that. It was XXXXXXXX XXXX XXXX XXXX  and I don't think the house went to auction until afternoon but yet they still sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, I tried to access my credit card information through the online system. I was not able to access my account with my current password and username. In addition, a new feature appeared on the website requiring me to fulfil a two-factor authentication. I called the credit card company that day, and I spoke with a customer rep who informed me that many people are having problems accessing their accounts online. I was informed a new IT update had been installed and was not allowing customers to log in with current passwords and usernames. I also informed this person that when prompted to enter a two-factor authentication, which provided a code to my email on file, was never delivered. At that time, I was told to check all spam areas, but there was not code sent to my email on file. I was told that an IT person would contact me on a specific date, which did not happen. I did receive a call on XX/XX/XXXX ( 6 days later ) regarding this issue. This customer rep left a message and I called back. I informed this person of the issues I was having and was instructed to use a different browser to log in, which I did while I had this individual on the phone. No browser allowed me to login to my account with current password or username. I was told that my government email might be the issue ; however, I told the rep that I have never had issues not receiving emails with my government email account. And, on XX/XX/XXXX, I received a marketing email from the credit card company. I was told that an issue ticket was created on behalf detailing the problem and issue would be resolved. As of today XX/XX/2022, I still can not access my XXXX  XXXX  credit card account online and no one has called to discuss this issue.

Company response to consumer: Closed with explanation