vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX  individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. 
One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. 
After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! 

-XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was scammed and the bank is holding my pension checks hostage for 21 days. I need these to live on. They say it takes 21 days to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX of Inquiry XX/XX/2022 & XXXX XXXX  Date of Inquiry XX/XX/2022.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 Account name : XXXX  Account number: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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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  Account name : XXXX  Account number: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 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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
they removed all fraud accounts and still left 1 from XXXX XXXX bank there was 2 accounts associated with XXXX they removed 1 and left then other which does not make sense please remove account immediately it is preventing me from getting a new home and causing me hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
These accounts listed on my FTC report i have no knowledge or recollection of these accounts. They are unauthorized and i demand they be deleted immediately according to the 15 USC 1681 LAW. where it states, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
In XX/XX/2023, I entered into a settlement offer with XXXX XXXX which is the third party collection agency that represents Hyundai Capital America. I originally owed {$7500.00} to Hyundai Capital America. Between XX/XX/2023- XX/XX/2023, I have made payments totaling {$3800.00} per the settlement agreement and have satisfied my obligation. I received a letter from XXXX XXXX indicating that I have met my obligations and they have submitted documentation to Hyundai Capital America indicating the same however, Hyundai Capital America will not update my credit report. XXXX XXXX have stated on numerous occasions that they have provided all documentation to their client, Hyundai Capital America however, Hyundai Capital America continues to allege that XXXX XXXX have provided them with nothing. I've offered to send the settlement in full letter to Hyundai Capital America however, they told me that even if I send the letter, they will not update my credit report without the actual correspondence from their third party collection agency, XXXX XXXX. I have even offered for all three parties ( myself, Hyundai Capital America & XXXX XXXX ) to do a conference call to assist in resolving this issue however, both XXXX XXXX and Hyundai Capital America refuse to cooperate with me in doing so to resolve this issue. I have requested to speak with managers with both organizations to no avail in a resolution.

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 2023-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am the trustee of my brother 's Trust and personal representative for his estate. I sold his home after his death, proceeds from the sale were sent to his Trust and deposited in a Trust account. Unfortunately, two subsequent checks stemming from the sale ( related to escrow and other matters that could only be accounted for after the date of the sale ) were made out to my brother -- not his Trust or estate. 

I was unable to deposit these checks prior to their expiration. One was for {$3700.00} and another was for {$3500.00}. If they had been made out to the Trust I could have deposited them, but it took me much longer to gain recognition as personal representative for his estate. I would have needed such recognition to deposit those checks -- made out to him.

I have copies of the checks and have been trying for more than two years to have them reissued -- made out to his Trust or estate. Complicating matters, the checks were issued by BB & T which was subsequently purchased by Truist. I have contacted Truist numerous times, everyone says they will look into it. No one ever calls back.

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 2023-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: OH

Complaint narrative:
I AM FILING THIS COMPLAINT against CONSUMER COLLECTIONS MN # XXXX I have never received any notification of an account in their office this is a violation of FDCPA as well as FCRA. There is an issue of 15 U.S. Code 1692e - False or misleading representations that still need to be addressed as well. The above-mentioned account has never been verified or validated. The account was filed and is in violation of the XXXX XXXX-compliant standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( last reported XX/XX/2023 ) - Unpaid TEMPOE LLC collections {$510.00}, {$380.00} & {$620.00}. I have no knowledge of these debts and have attempted to dispute several time without a response from the collector or credit bureaus. I believe that the accounts are over XXXX XXXX XXXX as they have suddenly appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 a check in an envelope was stolen from my home mailbox. 

The check was in the amount of {$120.00}. It was stolen and altered to change the amount to {$12000.00}. It was my Chase Business checking account.

The name of the person who the check was payable to was altered and changed to someone I do not know. 
The check was chased by XXXX XXXX. 
I filed a police report and started a claim with Chase Bank on XX/XX/2021. 

The local police investigated the case but ultimately it was closed. 

Chase Bank has continued to investigate my claim for the last 2 years, and the claim has been " expedited '' and/or " escalated '' several times. However, Chase has continued to tell me, over the course of the past 2 years that they are waiting for XXXX XXXX to answer the claim and ultimately " cut me a check '' for the monies stolen from my Chase Business Checking account.

I have been extremely dissatisfied about the way Chase has handled this complaint as their communication with me has been very limited if at all. I have to initiate all the calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: SC

Complaint narrative:
Unauthorized Hard credit inquiry 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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
HARD INQUIRY DETAILS XXXX XXXX XXXX capital 0ne, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: PA

Complaint narrative:
HARD INQUIRY DETAILS XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, US bank XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with 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 non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to Experian, XXXX XXXX, and XXXX. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XXXX of XXXX. I went to XXXX XXXX to get a vehicle, I didnt like any of the vehicles they had on the lot but they said they can get the vehicle Im looking for shipped to the dealer. I wanted a XXXX XXXX XXXX they showed me pictures of the vehicle and said it would be at the dealer ship in a week so I agreed to put a down payment of XXXX for the vehicle. A week went by and nothing then another week and he kept saying that there is a delay with the transaction between the dealer and the owner. I went to dealership a couple of days later and he said he found another one and it would be at the dealership tomorrow, he had me sign paperwork for the bank and said the bank was going to call me about the vehicle he told me to let the bank know I have the vehicle even though I physicallly did not but the owner had shown me pictures and information on the vehicle. 
I kept calling and texting the owner about the vehicle and he said he still did not have it so I said I wanted my down payment back because I really needed a vehicle and this was all going on for a month. I got my down payment I called the bank sent them proof of conversations between the owner and I that I never had the vehicle and the bank said they would reach out to XXXX XXXX and then they said in the meantime I am responsible for the vehicle and would have to make payments in the vehicle even though I never physically had the vehicle. 
The bank proceeded to put that account on my credit as a repossession and it is affecting my credit, I would like to have that removed as I talked to them and sent them proof of me never having the vehicle in my possession.

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 2023-07-04 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Unauthorized Hard credit inquiry on my credit Report.

Company response to consumer: Closed with explanation