vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX tries to make an online wire via the Chase Portal. The account was flagged for Fraud. I called in and after many personal questions about my use for MY money they released the hold. Only for it to happen once again. After my second attempt to fix via phone XXXX. I went to the Bank. Where I was told I would need and appointment or go online to unblock my account. I stated that that was not solving the problem. I told them I needed to see someone asap to solve my issue, but was told an appointment needed to be made. I asked to see the XXXX ' who the teller stated was on a 'conference call. '' after looking her up on XXXX I saw she was right behind the teller hearing the interaction and proceeded not to help. this was the XXXX XXXX. Then an armed guard with body armor approached me to tell me to leave. In which I now know the XXXX XXXX XXXX was listening to my conversation and infringed on my Personal Information and the right that brings along with it. 

as of today my account is still blocked. I am now told I need to go to a branch ( remember I could only do this online ) and show 2 forms of ID to get my XXXX out of their bank. here is the issue. I am over XXXX miles away from the nearest Chase and they do not care. I have taken this to the XXXX XXXX and that is the service I get from the top. 

It amazes me how many different agents I came in contact with. Nobody want to help and nobody told the truth. I received a different lie every time. at least keep them consistent. Like the " Conference call '' line. I have asked everyone along the line to speak to a XXXX and that is the one thing Chase was consistent on. telling me everyone was on a call. shocker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank XXXX is in violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ) beginning in XX/XX/2022. 

For 20 years, we have had a Chase Freedom Rewards XXXX card that has been used every month. For the last 10+ years we have successfully been receiving e-statements ( online statements ) and monthly email notification of statement available. 

Without warning or reason beginning with the XX/XX/2022 statement, we stopped receiving notification of our e-billing statement being available -- our email address has not changed. 

Actions taken thus far : 1 ) We have resubmitted our email address on line at the Chase.com website. 
2 ) We have contacted Chase online via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
3 ) We have contacted Chase online a SECOND time via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with AGAIN a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). AGAIN " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
4 ) We contacted the JPMorgan-Chase XXXXXXXX XXXX at XXXX on XX/XX/2022 to complain about its violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ). This compliant is in-process with no resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TX

Complaint narrative:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX* DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX* DPT ED/XXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT EDXXXX XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX  XXXX SOC SEC ADMIN OFFICE O XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDNELNET XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX a hard inquiry by Discover was done through XXXX for a credit card that I never applied for. The same day the inquiry was made the credit card was immediately mailed out to an outdated address. I received the the card via mail XX/XX/2022 and on the same day received a call from Discover that a fraudulent card might have been opened in my name. I did not activate the card, yet when I called I was informed that charges were made. Discover was aware that the address did not match my credit report and neither did my phone number or previous employer and still authorized the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-12 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: ERC
State: TX

Complaint narrative:
In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
The was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX I closed a loan for {$200000.00} with PennyMac on XXXX XXXX. 

Today I spoke with five persons at PennyMac in an attempt to obtain information about the disbursements of funds to pay off debt from my loan with PennyMac. 
None of the representatives that I spoke with were able to provide the information. Ispoke with was XXXX XXXX XXXX XXXX XXXX. I requested to speak with his manager but was left on hold for several minutes. The call ended without anyone returning. XXXX called back. But again, the call was left on hold for XXXX minutes until XXXX came on the call. XXXX indicated that she would escalate the request. Instead, she transferred the call to a loan processor named XXXX. The call later disconnected while speaking with XXXX. XXXX never called back. 

The loan had a disbursement date of XX/XX/2022. The payoff of {$120000.00} in debt to creditors has not occurred and PennyMac has not provided any information about when the payoffs will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist has been diificult to work with from the beginning but has become worse and less organized since at least XXXX I fell behind on my payments due to the pandemic and was working on a modification in order to catch up. I kept dealing with issues that were addressed in a previous complaint, but in the process of getting a resolution I decided to sell my home. I informed Truist of my decision both via email on XX/XX/XXXX to XXXX XXXX ( the Client Advocacy Officer who was handling my complaint ) and via phone around the end of XXXX. I never received a response from my email. I accepted a cash offer from XXXX on XX/XX/XXXX. When I called to inform Truist of the pending sale, I was told to call back within 30 days of the closing so I could receive an accurate payoff quote. I asked if any additional information would be needed ; I was told no. The closing date was scheduled for XX/XX/XXXX as I had a tenant who was scheduled to vacate on XX/XX/XXXX. The title company for the sale requested a payoff quote on XX/XX/XXXX ( according to Truist ) and verified that there was a sale pending. My tenant did not vacate as scheduled and The closing date was pushed to XX/XX/XXXX in order to ensure the property was vacant at the time of closing. At no point in time did Truist notify me that additional information was needed and I verified several times that my account reflected that the house was being sold. I was contacted around XX/XX/XXXX by an adjuster sent by Truist to assess the property value and because I didn't know anything about it, I contacted Truist. I was then informed that the home was in active foreclosure, even though the person I spoke with saw notes that confirmed the house was being sold and was under contract. They had no explanation and suggested I contact the lawyer who was assigned the file. The lawyer had very little information to offer other than saying the sale wouldn't be scheduled for another XXXX months. I tried calling several times and the phone systems either hang up when transferring or the person on the line can't provide anything other than basic information. 

Due to Truist being disorganized, non-responsive, and providing little to no information or communication, I am paying additional lawyer fees that diminish the returns on my home investment. I sent another email to XXXX XXXX XXXX XXXX 'd the CEO because although I doubt any real actions will be taken to improve the service, I am frustrated by the lack of professionalism displayed from the bottom up. I will never choose Truist as a servicer for any of my personal or business accounts if I can help it. I thought about opening an account with the proceeds from the sale but seeing how my mortgage has been handled, I will invest elsewhere.

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 2022-07-12 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: CA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate, open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate, last verified is inaccurate, creditor type and creditor remarks in inaccurate. This is grounds 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 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief