vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Starting in XXXX of 2020 chase bank started charging my personal acct {$25.00} service fees after they closed my husbands acct down without authorization due to some issues with the acct. we were on the military acct that chase had issued to us and we received an account with no fees for maintenance monthly. Upon them closing the account down that belonged to my spouse, that disqualified us from receiving the account that was maintenance free and now starts charging the account to {$25.00} a month maintenance to maintain it and keep it open. Even though money has not been deposited into the account and it has thrown into overdraft the bank still continues to charge the {$25.00} a month maintenance and accruing the debt even further. I find this to be highly unbelievable and should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: IL

Complaint narrative:
This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and Equifax they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: IL

Complaint narrative:
This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on Experian and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
late payment wasnt suppose to be reported due to calling Honda financial telling them about my financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NJ

Complaint narrative:
I noticed an account on my credit report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NJ

Complaint narrative:
I noticed an account on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LA

Complaint narrative:
late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
received a call from one of capital one employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that capital one will notify each credit bureau to removed the account from my credit report I have been dealing with capital one since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them.

NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it.

The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone!

Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me.

There is an account linked to mine for someone I don't know.

Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further.

If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! 
I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a transfer from Bank of America in amount of {$350000.00} to XXXX XXXX. The XXXX XXXX  account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. XXXX needs to be responsible to revise my transaction and Bank of America needs to investigate this matter for 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 2021-10-04 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: OK

Complaint narrative:
Top whom it may concern, I am reaching out to file a complaint on the credit bureau Experian. I submitted a Request For XXXX XXXX dated XX/XX/2021 and XX/XX/2021 regarding 2 entries on my credit report in which Experian neglected to appropriately respond. After 2 requests, 30 days apart from each other, Experian responded by email that my dispute was concluded and credit report was updated. I have not received correspondence answering my request by postal mail or email the information regarding the dispute ( The Experian employee that conducted the investigation, who they spoke with, their title, contact & any data used to support the accuracy of the entries ). The credit report entries are titled US BKPT CT IL XXXX REF # XXXX. And XXXX XXXX XXXX Account XXXX. 

The issue that exists, is that over the past 6 months Ive been engaged with them over this matter regarding the accuracy of these accounts with no success ( only an alert that the report was updated ) and am requesting assistance from your office to resolve this matter. If Experian continues to refuse to comply with this request I am asking that they remove these account entries and send me an updated report reflecting those removals. 

Thank you, 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 explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AZ

Complaint narrative:
On XX/XX/21 I started a dispute process with Equifax regarding inaccuracies on my credit report, a total of 7 accounts. I request method used to verify the debt as well as notification of the outcome of the investigation results. I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the dispute outcome. On XX/XX/21 a second dispute letter was again sent to Equifax requesting a reinvestigation into the 7 accounts with inaccuracies. I again requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the outcome however when I checked my report with Equifax on XX/XX/21 only 1 of the 7 accounts I disputed had been removed. On XX/XX/21 a third dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again I requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or the investigation outcome. On XX/XX/21 a fourth dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again method of verification was requested as well as notification of the investigation outcome. Again no notification from Equifax was received regarding my dispute letter being received in process or the outcome. As of XX/XX/21 the 6 accounts I have been disputing with Equifax remain on my credit report and Equifax has not provided any of the information I've requested or deleted the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a transfer from XXXX  XXXX XXXX in amount of {$350000.00} to Chase bank. The chase bank account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. Chase needs to be responsible to revise my transaction and XXXX  XXXX XXXX needs to investigate this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed by a company called DHHS ( Department do health and human services ) This company supposedly help people in need of financial issue I was in contact with Agent XXXX XXXX XXXX I was asked about my information and send them my info I was advised that the grant I was supposed to get was free and non refundable. I paid all the fees I was told to pay : Delivery fee {$300.00} Processing fee and activation {$520.00} Custom fee {$750.00} Stamp fee {$370.00} At the end when I realized I was getting scammed they were asking me to pay IRS fee which was {$2000.00} and they said that they were in contact with the officer and lowered to {$500.00} but I refused to pay more money and advised me to pay just the {$300.00} and still I didnt pay it and they told me that the grant check was cancelled returned to management. I asked for my money back and told me that the money I paid was non refundable I called my bank and I was advised that they cant reversed it because they already took the money. 
I had told them that I borrowed the money so they can refund me the money but no no matter what I said try still refused to return my money I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Huntington Debt Holding LLC
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to HUNTINGTON DEBT HOLDING. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi there, The transaction was happened on XX/XX/2021, the purchased was on XXXX XXXX XXXX  and the ONLY payment method is PayPal. My wife ask me to purchase a 1 x XXXX XXXX XXXX XXXX - XXXX  ( a81 ) = {$89.00} but when I checkout via PayPal I realize it is totally a FRAUD website cuz the payee called and the email associated with this person on PayPal is XXXX. This definitely not the REAL XXXX. 

I already try to send an email to them but it turns out the email doesn't exist : ) The funny thing is I filed a dispute on PayPal and the payee provide a USPS tracking to prove they did send something to me then PayPal denied my dispute. What a joke. 

1. The tracking number is XXXX and you told me a Stroller can be delivered in a mailbox????????? I even didn't receive anything at all. 

2. I already provide the information to you, it is very very very clear that this payee create a phishing website and you still continue to allow this payee to got pay via PayPal? shame one you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since August 30th for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
I have noticed an account displaying on my consumer report that is in violation of my rights as a federally protected consumer under Title 15 Chapter 41 ( Consumer Credit Protection ). Equifax is violating my rights displaying account : XXXX XXXX XXXX XXXX XXXX. I demand this account be removed from my credit report immediately. 

Pursuant to 15 USC 1681a ( 2 ), Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card, under 15 USC 1681, is the same as it is under 15 USC 1602 which states the term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card used is my social security card. This is the credit card used to originate every consumer credit transaction on my consumer report. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) which details exclusions. As such this transaction is to be removed from my credit report. I am demanding that XXXX XXXX XXXX  XXXX XXXX be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to KHOLS/CAP ONE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation