vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I became a victim of wire fraud on XX/XX/XXXX for {$6800.00} dollars and XX/XX/XXXX for XXXX. The wires were made without my authorization and I did not initiate them nor did I share my personal information with the fraudulent Chase employee who had all my information. I reported the fraud to chase as well as the XXXX and fbi as soon as I realized I was dealing with an imposter Chase representative on XX/XX/XXXX. At that time swift wire recalls were requested and initiated via chase secure messaging which I am told is the only way to communicate with Chase regarding wire fraud. On XX/XX/XXXX chase secure messaging informed that I need a hold harness or indemnity letter to get my funds from the respective banks they were fraudulently wired to. Secure message said to contact claims dept option 3, claims informed me they had no idea how to obtain hhl or indemnity letters and directed me to the chase branch. The assistant manager at the chase branch made many phone calls and could not get a straight answer regarding these letters that I was told I need to get my money back. She informed me that she is unable to assist me any further as she herself can not get a straight answer. I have tried every avenue to communicate with chase but have been met with disrespect and frustration from the lack of communication within there own department. I am filing this complaint as a last ditch effort to reclaim the funds that were fraudulently stolen from me in a bank account that I have trusted with my life savings. Chase needs to stand by there moto of a Commitment to Integrity, Fairness and Responsibility. This experience is traumatic both mentally and financially the bank has taken no responsibility showed no fairness and lacks integrity in the way that they treat customers just trying to get some answers during a financial emergency that they do not protect customers from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi my name is XXXX XXXX. I have issue with Wells Fargo. I was behind with my payment plan because I was not working. On XX/XX/XXXX I tried to make the payment for the amount due but the system dont allow me to do the payment. I called them XXXX and the lady who answer me told me the account is charged off and she didnt accept my payment and I told her Wells Fargo dont send me any notifications and any calls. She gave me three options Sell the car, trade it or pay off XXXX. I request to contact with the manager and make complaint because nobody notified me y I try to make the payment for the amount that I owed. Please I need to solve this matter. I know the procedures of car loans. Before they close the account they need to notified me for mail or call. Now they want that I pay off the XXXX or they repossessed the auto.

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 2023-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: VA

Complaint narrative:
Clear Path Lending sends 3-4 mailers a week often times camouflaged inside envelopes without displaying their origin. They email, text and call leaving voice mails weekly. I reply to the texts and emails requesting that they stop contacting me. I applied for a conventional mortgage with a different lender last week, XX/XX/XXXX, and the amount of mailings and calls has doubled - offering me a VA mortgage. I desire that they cease all contact with 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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank keeps changing the amount I owe for escrow. In less than two weeks I was told my shortage went from $ XXXX to $ XXXX to an additional $ XXXX. They've applied an escrow payment to the principal in error and I can not trust what they say over the phone nor can I trust their paperwork is correct. To date, they claim I still owe them {$6000.00}. My loan was sold to them in XXXX. Before the transfer my insurance was paid and the difference was sent to me. I sent the difference ( {$6100.00} ) to Truist. ( proof of insurance payment is attached ). 

That difference would have been close if not enough to cover at least the school taxes, leaving only the county taxes unpaid at the time of transfer. My total monthly escrow comes to {$1900.00} ( based on what was paid in 2022 ), which to-date ( 5 months ) would be {$9900.00} plus the unpaid {$6100.00} for county taxes comes to a total of {$16000.00} for escrow. For all the payments I've made to Truist ( {$23000.00} ), that comes to a difference of {$7600.00} in my favor. My monthly principal/interest payments add up to roughly {$1500.00} for the past 5 months ( a total of roughly {$7900.00} ). My arrears then should only be about {$300.00}. 

Last week, both Monday and Friday, they said I owed {$8000.00}. I wanted to pay the {$8000.00} and close the escrow account. Then they told me I couldn't close the account until I paid them an additional {$6000.00}

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 2023-02-21 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: FL

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  Account number : 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 explanation
Consumer complaint received 2023-02-21 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Credit report isnt up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/XXXX paid XXXX and on XX/XX/XXXX paid total balance on XXXX XXXX. Closed account after payment. Now being charged interest for previous month AFTER balance was made BEFORE new billing cycle. They are charging after my debt is paid. There is something seriously wrong with the billing system when you get charged interest after you make full payment. I honored and paid off this debt and do not understand why I am being charged extra. I chatted with XXXX on XXXX with no resolution. I advised that I was not happy and wanted this charge removed. I wanted to speak with a manager but was advised this would take up to 24 hours. 

CC BARCLAYS BANK DELAWARE XXXX XXXX AADVANTAGE AVIATOR CARD XXXX XXXX XXXX XXXX DE 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 monetary relief
Consumer complaint received 2023-02-21 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: NJ

Complaint narrative:
We filed XXXX XXXX bankruptcy on XXXX/XXXX/2022. We notified TransUnion of 6 accounts currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate TransUnion.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom is reading this. I am writing this because I am being told by XXXX and transUnion that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.

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 2023-02-21 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: PA

Complaint narrative:
Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

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 2023-02-21 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a mortgage through 5/3 Bank. I also have auto pay though THERE bill pay set up through 5/3. My mortgage get auto paid every month on time. Now I am recieving phone calls that I am behind on payments. I have gone to the bank numerous times but no one can tell me what is going on and I can not get an answer. I have proof of my auto withdrawls for every month for the past 2 years. All the bank employees can tell me is for some reason all your money is being held in an escrow account but no one can answer us as to why. Now 5/3 has dinged my credit for 2 missed payments. I have been trying to resolve this through 5/3 for over 6 months and still nothing. Every statement I have attached shows 5/3 bill payment so very confused how it can be late if its auto paid through there own bill payer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: FL

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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights . Or 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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2023, I opened a Business Checking account with American Express. As a new customer, the checking account comes with a welcome bonus of 60,000 points after completing 10 qualifying transactions, making a deposit of {$5000.00} within 20 days and maintaining that balance for 60 days. I initiated a transfer of {$5000.00} on XX/XX/2023 ( Day XXXX ). The transfer was supposed to hit my American Express account on XX/XX/2023 ( Day XXXX ). However, due to the XXXX XXXX, American Express didn't apply this deposit to my account until today, XX/XX/2023, which disqualified me from receiving the bonus. I chatted with an agent who confirmed this situation. Amex DID receive the deposit on the XXXX but DID NOT apply it to my account until the next day due to the holiday. I found it unfair to disqualify my account from receiving the bonus due to internal banking procedures I'm not responsible about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
yes i have try to remove this this is a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 Account number : 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 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 2023-02-21 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: FL

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 Account number : 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 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 2023-02-21 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: NJ

Complaint narrative:
We filed XXXX XXXX bankruptcy on XX/XX/2022. We notified Equifax of a XXXX account currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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