vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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: KY

Complaint narrative:
I had {$1400.00} in fraudulently wired from my chase account to another bank. I instantly contacted the bank. They very quickly credited back a {$500.00} transaction made by the same individual. However, even after escalating the issue I never was reimbursed my money. Even knowing that my information and the fact I even banked with Chase along with my cell phone number was stolen from Chase. Below is where I have submitted multiple claims with Chase. I have followed up with everyone and everything possible and still nothing. 

SentXX/XX/2023 XXXX XXXX FromXXXX XXXX SubjectRe : US Dollar Wire Transfers Inquiry XXXX, XXXX, XXXX DeleteReply Hello, Thank you for contacting XXXX XXXX XXXX. We received your request dated XX/XX/2023 for a wire transfer in the amount of {$1400.00} dated XX/XX/2023. We received your request for a follow-up for this { { wire transaction / reference number } } : XXXX. Here is the status of your request : - Your request to recall the wire was submitted on XX/XX/2023. - We have received a response from the receiving bank that : THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE - As this recall is due to a fraud/scam, Kindly contact Customer Claims ( Disputes by Phone ) at XXXX Option XXXX to file a fraud claim. We hope this information is helpful. Please let us know if you have any additional questions. Thank you, XXXX XXXX XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : US Dollar Wire Transfers Inquiry XXXX, XXXX ATTACHMENTSIZE:XXXX Good morning, Can you please explain to me what their response means? Thank you, XXXX -- -- -ORIGINAL MESSAGE -- -- - We're writing regarding the wire transaction for Account XXXX, dated XX/XX/2023, in the amount of XXXXUSD. This transaction is identified under our Transaction Reference Number XXXX .We are processing the investigation for this wire under JPM Case ID XXXX. 

Please see response from the receiving bank on your recall request QUOTE THIS HAS BEEN TURNED OV ER TO OUR CORPORATE SECURITY DEPART MENT. PLS CONTAC T THEM AT XXXX XXXX W/ QUESTIONS. WE NOW CLOSE CASE Y R REF XXXX XXXX UNQUOTE XXXX XXXX XXXX If you have any additional questions or wish for an update on the status, please respond to this message or call the Treasury Services Solution Center at XXXX referencing our JPM Case ID. 

Representatives are available Monday through Friday, from XXXX XXXX until XXXX XXXX ( EST ). 


Thank you for banking with Chase. 

JPM Treasury Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureause stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under : 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 non-monetary relief
Consumer complaint received 2023-04-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureause stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under : 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 2023-04-11 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-04-11 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: IL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. REMOVE THE ACCOUNTS THAT ARE NOT MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-04-11 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: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
purchase 2 cards on XX/XX/23, cards wouldnt work, called XX/XX/23, cards were verified as not loaded, started a formal case with a case number, provided all requested information. Waited 20 days, called in, put on hold and call disconnected by vendor. 
Please force refund thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: FL

Complaint narrative:
I have an account that is still appearing on my Transunion credit report even after providing documentation proving this account ( XXXX XXXX # XXXX, {$1300.00} ) was to be deleted. The account in question is a collection account which is causing real harm to my credit and Transunion is refusing to remove. I disputed this account back in XXXX on dispute XXXX and it was returned as verified. I contacted this collection agency to see why they reported as verified and they had no clue of why it would still be reported. I asked to speak to a supervisor. The supervisor verified that when they sent over their " file '' it was to be deleted. The supervisor also was so kind to send me a letter as proof that the account was to be deleted. I have since submitted this document to Transunion and they still have not removed this account from my credit profile and it is causing adverse action against me. I have been turned down for credit since this collection is still showing. I believe my rights are being violated. Section 1681e of the FCRA ( 15 U.S.C. 1681e ) requires that credit reporting agencies follow " reasonable procedures to assure maximum possible accuracy '' of the information contained in consumer credit reports. Additionally, Section 1681i ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of any disputed information and to correct or delete any inaccurate or unverifiable information within 30 days of receiving a dispute. 

If a credit reporting agency violates either of these sections of the FCRA, they may be subject to legal action and can be held liable for any damages that result from their failure to comply with the law.

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 2023-04-11 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number:XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX  loan modification under the Covid-19 relief program for XXXX XXXX XXXX XXXX XXXX, MA. Mr. Cooper denied my application on the false basis that I did not deposit my rents from my tenants which I use to pay my mortgage. Mr. Cooper violated XXXX XXXX regulations when it denied me because I did show that I deposited my rents in my bank statements and also provided leases and tax returns. Mr. Cooper lied to me and broke the law even though I qualify for a XXXX XXXX loan modification so they could steal my house in a foreclosure auction which they subsequently scheduled for XX/XX/XXXX. I have children who rely on me to provide for them and I need my property so I do not become homeless. I feel that the Mr. Cooper want to take the equity in my home and does not care about homeowners it puts out on the street. On XX/XX/XXXX, I submitted a new loan modification application in which I circled my rent deposits. Mr. Cooper refuses to stop the foreclosure on my property. I need the CFPB 's help to stop the foreclosure and make Mr. Cooper follow the law and approve me for a loan modification so I can move on with my life. Please help me. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I was unable to open an account at 2 banks in Maryland ( XXXX XXXX XXXX and XXXX XXXX ) because of something on my Chex systems report. My name is XXXX XXXX and NOT XXXX XXXX, XXXX XXXX is my husband, this login is under me, I just checked so not sure why my complaint is being attached to the wrong name. Anyway, my Chexsystems report contains NO REPORTED information, so it is unclear how the bank says Chexsystems is putting a block to me opening a new account.

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 2023-04-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX, I fell victim to fraud. I had received a text asking if I approved a {$5000.00} wire transfer. I then said no. Someone then called me pretending to be a representative from Chase and asking for the one time code that was sent to my phone to stop the wire transfer. Not ever having done a wire transfer I did not know I was not supposed to give the code out there for giving them access to my account to send themselves money. I have filed a complaint with Chase and they denied the claim because it came directly from my account because I technically gave them access without knowing that it was not a real representative. I also have filed a report with the FBI and they said that also was not enough. The amount was for {$2500.00} but after processing fees it was XXXX. I have never made a wire transfer the whole time I banked with the institution, nor have I ever made a payment to the recipient. They said they know its fraud but because I gave them access unknowingly, there was nothing that can be done. I have called and checked in 3-4 times out of the week for an update & as of today somebody from corporate said even with the FBI report XXXX most likely will not be getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
See the attached documents.

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 2023-04-11 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:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have had a Bluebird by American Express for a number of years. It isnt where my paycheck is deposited, but a large sum of money was deposited from a settlement in XX/XX/2023, because it was on record from my employer. There initially was no issues, and I made one transaction in XXXX, and one in XXXX that was within the card limits on their website. 

On XX/XX/2023 I received an email that stated my card was permanently closed, and my account access was locked along with any access to records. They wouldnt tell me why and now refuse to answer any phone calls or messages. They would not tell me if or how I can receive my remaining balance of over {$35000.00} ( I dont know the exact dollar amount since they removed any access to records. Its very scary not knowing how or if I will be able to get that money I depend on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account was charged by XXXX When they deliver items and have some on hold they add and subtract fees over and over again and they caused my account to be hit with a XXXX charge that was already paid the day I placed my order and then they hit me with an overdraft fee for a charge that was already authorized. This should not be legal.

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 2023-04-11 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: IL

Complaint narrative:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

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 2023-04-11 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: FC HoldCo LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.

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