vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: NY

Complaint narrative:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

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 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The original credit is XXXX  for {$470.00} and they sold it to Jefferson Capital System LLC . I do not know if this account and have filed several dispute and they did not provide me with no proof of this debt belonging to me. The account number is XXXX and it was opened according to my credit report on XX/XX/2016. It has been 7 years and I still have this debt that do not bring to me on my reports. Im trying to buy a bigger home for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had four accounts with Union Bank, which as of a week or so ago was absorbed by US Bank. US Bank appears to have successfully transitioned my two personal checking accounts. But something went wrong with my business checking and business savings accounts. While I can deposit money into and write checks on at least the business checking account, US Bank is telling me that I can not access the business checking account via US Bank 's website because of some problem during the transition. ( There may be a similar problem with my business savings account. ) Then they said I'd need to go to a US Bank branch to resolve the issue. Except the US Bank branch nearest me ( which used to be a Union Bank branch ) has no availability in XXXX or XXXX, according to US Bank 's website. When I asked for a supervisor, I was routed to a voicemail.

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 2023-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I had XXXX at a local hospital that VA had approved. My XXXX was left open for XXXX to drain. I was at a XXXX hospital to care for my XXXX  which I wasn't getting the care for my XXXX. When I stared XXXX from my XXXX I requested an ambulance to take me to the XXXX hospital. Now the ambulance is trying to make me pay for it. I am 100 % XXXX veteran and the VA is suppose to pay for it.

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 2023-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed 3 fraudulent charges on my credit card statement ; a XXXX XXXX charge, a gas station charge, and a smoke/gift shop charge totaling {$700.00}, all occurring on XX/XX/16. I immediately called Bank of America 's fraud department and initiated a fraud claim ; the claim was denied a day later because they claimed the card was used in my presence ( exact wording : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. ) This isn't physically possible because the card was in my possession and I did not visit those places on XX/XX/XXXX ( and have the XXXX timeline history to prove it ). 
Bank of America does not do their due diligence in investigating fraud claims ; this has happened to me once before, with the denial being the same reason.

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 2023-06-01 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: AL

Complaint narrative:
The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have an Ally Credit Card and have been using it no problem for the last 6 months. Last Month they initiated a process to integrate their website so that Credit Card users and Bank users will go through Ally.com to access their account. As part of this process I lost access to see my account on card.ally.com and had to re-register on the banking website ally.com. I went to the page and entered my information, it then prompted me to send me a registraction code to my phone number or email. The number and email it showed though were both a very old email and phone number that I no longer use so couldn't recieve the code. I called the bank on the number provided and spoke to customer service at the credit card company. They told me they saw what the issue was and had opened a ticket and that it would be fixed in 5-7 days and someone would reach out to me. I went away on vacation and over the time, neve was responded to or provided any fix. After I got back, I called the number gain and I spoke with a manager. She told me that they had sent the information to the bank side which managed the system and thought they had changed it, but obviously it hadn't. She mailed me a letter as they don't email or call with issues, this seems like a silly policy, that said they created the ticket. She said that it should be fixed in 5-7 days, that was a week ago. I also called the Bank number and was told that they can't help me as I don't have a bank account, I said I ahve a credit card and that the Credit Card company said that the bank had to apply the fix. I filed a complaint and gave a very low review on the customer support line. I then called the Credit Card company two days ago. They said that they are working on it, but it still hasn't been resolved but someone would contact me within 48 hours. Nobody has reached out to me yet. I still can't access my account on the website, I was able to pay my bill online, but I need to be able to access my information to manage my account. I attached screenshots of what happened, I don't have the letter yet, but can provide that when I do.

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 2023-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is an addendum to CFPB Complaint XXXX, filed on XX/XX/2023. Bank of America, hereinafter BoA, used the same flawed automated fraud filter, which incorrectlty froze unemployment benefits, ( XXXX XXXX. XXXX ), to determine that no fraud had occurred in my dispute. BoA engaged in unfair acts or practices by not conducting a fair investigation and denying my due process rights to present favorable evidence, allow me to examine and challenge the evidence the merchant submitted to BoA, in violation of the Electronic Fund Transfer Act and Regulation E. I urge the CFPB to investigate and confirm BoA 's use of the flawed automated fraud dispute filter in deciding my dispute.

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 2023-06-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In late XXXX I was the victim of identity theft with my JP Morgan Chase XXXX XXXX XXXX My XXXX XXXX was somehow hacked into and my calls were being forwarded, preventing me from checking the actual party I was communicating with. I received phone calls from numbers that showed up on caller ID as Chase bank. After initial fraudulent activity was discovered, I contacted a representative from XXXX XXXX XXXX who changed my password and rectified the issue around XX/XX/XXXX. 

However, it happened again a few weeks later and I was able to do it on my own once someone alerted me that my calls were not going through anymore. Since then, I bought a new Iphone on XX/XX/XXXX. The old phone was turned into XXXX XXXX XXXX. 

Chase initially did not charge me for fraudulent purchases on my account. In late XXXX 2023, my account balances were accurate and the fraud situation was behind me. That was until Chase, in XX/XX/ 2023, who I have banked with for years both personally and through my credit card, did a complete XXXX degree turn and is now seeking to hold me responsible for approximately {$12000.00} worth of charges that they initially did not hold me responsible for. 

This is unacceptable to me and quite disingenuous to do this months later after everything had been resolved. Chase and XXXX have a guarantee that you will not be responsible for fraudulent charges. The telephone scam is not something new and Chase has utterly failed to institute any processes to prevent their customers from being scammed by people who are calling from Chase numbers and have the proprietary information that only a Chase representative would know. 

This scam has been prevalent and Chase can not simply just turn a blind eye to it while their customers get defrauded. See https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Received a notice of a decrease in credit score from Transunion, from XXXX to XXXX. On checking the site, the score did not show a decrease. Called the number listed in the email notice. Spoke with support staff who explained that the discrepancy was the result of a technical glitch; said that I would receive a letter by mail confirming this ; that it was not possible to send me confirmation of the content of the phone call. 

I have not received the promised letter. There is no phone number on the site to speak with anyone ; the online options under dispute do not pertain to the problem ; and the chatbot seems not to recognize the issue or to be able to connect me with a human being. 

I've received emails saying that the dispute has been resolved. It has not. Two requested corrections were made, but the main problem ( the credit score number ) was not resolved.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i deposited 12 checks in my account on XX/XX/ in total it was XXXX XXXX however 2 out of the 12 checks happened to be from a previous bank account of my employer and i deposited the checks not knowing they will bounce. 
in doing so all money in the account was put on hold and for some very odd reason when i called my bank they explained to me my employer who is a registered incorporation can not be verified and my money can not be released despite the business being easily found on public records my employer can not issue me new checks due to the fact that they have been deposited in my account and the bank refuses to give me any other option on how to resolve this. i understand i should have been more aware about the dates on the checks but this doesnt mean i should lose every dollar ive earned and legally i dont know how to go about this can someone please help me im begging for some solution i everyone i spoke to is giving me no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2015 I set up a joint checking account using my power of attorney for my stepfather, XXXX XXXX and myself. The account was set up by a banker named XXXX. Surprisingly no one has ever contacted her. The bank was also provided a doctors note stating that XXXX was not capable of handling his financial decisions. In fact he was scammed out of quite a bit of money. This can be verified with XXXX XXXX Sheriff. 
The branch manager reviewed the account with me for 6 years and according to him no action was needed since I was on the account. Surprisingly No one has talked to the branch manager. The total value of the account is only {$2000.00}. I deposited {$1500.00} after XXXX died. It was my money I deposited in XXXX XXXX account at XXXX for personal needs. XXXX was sold at that time which also happened during the pandemic. I tried contacting XXXX but they had changed ownership. I went to close out the account and produced a copy of the death certificate to the branch manager who had been reviewing the account annually. I was told I couldnt close out the account. I have been a long time customer of Wells Fargo.

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 2023-06-01 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: KS

Complaint narrative:
I paid {$6500.00} to XXXX IN XX/XX/2023 They have not shown this on Transunion Ive reported it 15 times They keep removing my dispute One time they showed the credit But it was removed! 
This has been ongoing since XX/XX/2023!

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The FCC issued national security threat warnings about foreign software companies in XX/XX/XXXX. I had been using one of those products which was manufactured in XXXX and, heeding the FCC warnings, I removed the software forthwith. In early XXXX, the company began pursuing me to renew the software license. I canceled my account and they acknowledged my cancelation, but continued pursuing me using different tactics, prices, product names, and company entities. The companys efforts seemed fraudulent so I reported them to the FTC on XX/XX/XXXX. 

That same day, I gave my bank a copy of the FTC complaint and ask the bank to help me protect my account against fraudulent claims by the software company. The bank made a feeble effort to block the company but failed, and was generally apathetic and unhelpful. I felt the bank could have easily blocked any transactions from that company, but did not. At the suggestion of the bank, I cancelled my debit card and replaced it with a new one on XX/XX/XXXX. On XX/XX/XXXX, I learned that the company had been paid by the bank for a {$84.00} transaction I had not authorized and had asked the bank to block the day before. I believe it could have easily stopped that fraudulent transaction, but the bank failed and subsequently denied my disputed claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
Approximately XXXX XXXX  XXXX I was contacted by text message for a debt that I do not have. I have bever done business with the company and is a phishing attempt as they included multiple links for payment option. Claimed to owe exactly {$48.00}. per month for 12 months. Message began with : " This message is from Spring Oaks Capital , LLC. '' Gave me an XXXX number to call a link to set up a payment plan. Another link for disclosures and an additional separate attachment preceding the text message. Claimed was in regard to a XXXX  XXXX account originated by XXXX XXXX  which is now owned by Spring Oaks Capital SPV , LLC. They are fixated on setting up a payment plan the links are the phishing that would infect or steal or information. Also, they used two different company names, then claimed they are debt collectors. To much information to try and confuse the individual. I have never opened an account with XXXX XXXX  or have had any indication of debt collection as I monitor my score. Text message originated from phone # XXXX. They claim XXXX XXXX  is now owned by them, if this was true they wouldn't need a debt collection. As they are acting on behalf of their own account and debt reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a third party collection I have no idea about my identity was stolen years ago and all these collections agencies are saying I owe them its against the law to sell someone identity and collect third party dept I dont owe them nor do I know them

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So my Chase Checking account went into a negative balance due to some claims that i filed even though Chase reimbursed my money.The reason my account went negative was because Chase took the money from my account after putting the money back in my account

Company response to consumer: Closed with explanation