vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hi, so my friend XXXX XXXX posted story saying make XXXX out of $ XXXXmy friend is my high school friend, who i know dince year XXXX so I chatted him & he confirmed the whole thing was legit.We dont talk much except casual conversation on instagram.his profile was also compromised & i had no clue until Monday XX/XX/XXXX. I keep saying i have bad feeling & chatting my friend ( compromised account ) but he is like no its legit. 

So the scammer goes by XXXX XXXX, full name XXXX XXXX asked for {$500.00}. We had our conversation through XXXX.send her money through XXXX, then she asked for {$1000.00} for pin. Then {$700.00}, then {$800.00} & then {$1600.00} XX/XX/XXXX. It started Friday evening. 

I even contacted another person who confirmed that XXXX XXXX was legit.They all blocked me but I have all the screenshots, XXXX XXXXas much information i can get.so on monday XX/XX/XXXX evening once I figured it out it was fake i start demanding money & at last the scammer agreed that im getting nothing.Called me XXXX, XXXX etc. deleted last couple massages so i cant report the account to XXXX. 

Then I reached out to Chase ( my bank ) and they just emailed me this morning that they wont be able to do anything.Reported with XXXX and they said they wont be able to do anything besides reaching out to the other party 's bank. 

Think this account as an example in XXXX. maybe created by my scammer XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.

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 2022-01-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all XXXX Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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:
I have been a victim of identity theft. I disputed accounts with XXXX, XXXX, and Transunion. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.

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 2022-01-13 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 have been a victim of identity theft. I disputed accounts with Equifax, XXXX, and XXXX. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: TX

Complaint narrative:
ASG XXXX has attempted to contact someone at my phone number at least 15 times per day in the last 5 days, from 8 different phone numbers. I have screen shots of the last few hour, where Ive received 5 phone calls and voicemails, and 7 text messages of them telling me to call them immediately or action would be taken. I am not the person they are looking for, and I have reached out and told them such, yet the harassment continues. I have threatened to use legal action against them, but they just hang up and call from a new number I have not blocked. The calls come as early as XXXX central time, and as late as XXXX central time. This is absurd and absolutely harassment at this point in time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried reaching out to this bureau several times about accounts that do not belong to me! this information is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2022-01-13 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: Possible Financial Inc
State: FL

Complaint narrative:
After going over my monthly credit report analysis and maintenance I noticed a account had been opened under my name without my knowledge or consent which may have been a result of an information data breach, I have tried solving this issue with XXXX but the online dispute center did not have the proper options to help me properly. The Account is a " Possible Finance '' Account # XXXX is the amount of {$600.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a transfer to a relative in XXXX, the banker official ( inexperienced in the matter ) did not match the account numbers of the intermediary bank and those of my relative 's account. 
The next day I went to the bank to request information, they said they would call me, the XXXXnager of the branch does not explain clearly what solution he can give me, I have already been four times, and the terrible attention of the manager and the poor quality of the The service has been constant, the documents issued by the official show an amount of money much lower than the value debited from my account, the dates are from XXXX, it does not accept that errors were made in the execution of the shipment I have called customer service, emailed the general manager of customer service, went to another branch ( despite the good disposition and kindness ) and I do not get a clear answer about my money.

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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX XXXX by certified mail notarized letter no response also letters was forwarded to all 3 credit bureaus XXXX, XXXX XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
After reviewing my Fedloan account XX/XX/XXXX, I noticed that my Outstanding interest had been {$30000.00} but was changed to {$21000.00}. Consequently, the Principal Balance had been {$180000.00} but was changed to {$190000.00}. I had not made any recent payments, nor did I place a request for this change. 
In my letter to XXXX, I informed them that this change in distribution will significantly affect the amount of interest on the principal when student loan repayment restarts after XX/XX/XXXX. 
I contacted Fedloan servicing on XX/XX/XXXX concerning this change and the customer service representative was unable to determine why the change was made and who authorized it. After several times placing me on hold during the call, she finally informed me that I can request an account review. 

After reviewing my account on my own, I noticed that the adjustment is on a payment of {$8300.00} which was made by my employer on XX/XX/XXXX. This payment was initially applied to the principal. However, sometime in XX/XX/XXXX, this payment was split so that {$300.00} remained paid to the principal while {$8000.00} was moved to pay interest. My understanding is that all payments would be applied to principal during the pandemic. 

I would appreciate if this matter can be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have contacted Continental Finance Company several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. Continental Finance Company acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at Continental Finance Company since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to Continental Finance asking that the XXXXXXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and XXXX are showing this account as late, when it has never been late. I have also contacted XXXX and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Equifax is reporting unauthorized information on my credit profile. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Is there something attached to my personal information where I'm possibly linked to someone or something? No matter what falls off my credit or how I'm in process of repair. For 3 years straight. Everything thing I apply for, even the most redundant application, is always immediately an out right NO. It's affecting my life in the most detrimental way and having huge negative effects on XXXX XXXX. Enough is enough. Please advise if I am under a redflag or list that blocks all approvals. Or please advise. I have reviewed most credit reports and don't see anything life altering. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase continues to report the accounts that are the result of identity theft on my credit file. Police and FTC reports were provided and the account was not reported or blocked from being reported to my credit file. I contacted the executive office requested all alleged original documents and they claimed to have been signed by me due to victims of identity theft. I was told that I did not have to provide these documents and to send them a subpoena. I have not received any proof of this account that is a result of identity theft as being a debt I owe to JP Morgan Chase. Also, the credit bureaus were never contacted regarding the report of identity theft. Account is still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
1. I took a mortgage loan to buy a new construction home through PNC Bank. The settlement was supposed to happen on XX/XX/2021 but because of the negligence of the Bank, the bank did not make a wire transfer to the settlement agent till the next day. XX/XX/XXXX was XXXX XXXX holiday, something that was also known to the bank. As a result the settlement took place on the next working day on XX/XX/2021. The PNC bank refuses to fix the closing documents to reflect the new date of settlement even though the settlement company has done so. According to the bank 's documents, the settlement happened on XX/XX/XXXX. The bank is also charging me interest in the amount of {$100.00} for this period, which is wrong. I have attached the Settlement Statement by the Title company and the Closing Disclosure package from the PNC Bank to support this claim. 
2. I was promised by the bank 's mortgage loan officer that I would get at least {$750.00} in origination fees as part of the loan. I accepted the loan on this condition. The bank did not give me this money in spite of my reminder. A copy of the email exchange is attached to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: VA

Complaint narrative:
I have been a Bank of America ( " BA '' ) customer for 30 years. On XX/XX/XXXX at XXXX PM, BA alerted me of suspected fraudulent charges of my BA Visa card. I logged into my account and determined that 4 purchases at restaurants in XXXX, PA within the last XXXX hours were indeed fraudulent ( approximately {$160.00} ). Although the bank initially reversed the charges, they later responded that they were denying the fraud claims. I asked for a further review, stating that I live in XXXX, VA and was making in person credit card charges on the same card on the same dates as the online charges in question in XXXX. I also informed them that I had not traveled to XXXX on the dates in question and had not made purchases with these merchants anytime in the past. 

On XX/XX/XXXX, XXXX, the head of Bank of America 's fraud department, called me and offered a personal apology. She said the initial claim had been reviewed by a new person in the fraud department, that she had reviewed them, and they were indeed fraudulent. The bank reversed the charges. I thought the issue was resolved, and I was satisfied. 

Today, on XX/XX/XXXX, I noticed on my BA online account that the fraud refund has now been reversed again for XXXX of the XXXX merchants. I have tried to reach out to XXXX, the head of the fraud department again, but no one answers the number she provided me, and voice mail has not been set up to leave a message. 

I am a XXXXXXXX XXXX with the federal government, and I do not make allegations of fraud lightly. Indeed, Bank of America 's own algorithms alerted me to the initial fraudulent charges. Because I am not able to get anyone from BA to provide me with evidence that these charges are indeed mine, I am seeking the assistance of the CFPB.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I BELEIVE MY SISTER XXXX XXXX XXXX FILED 2 BANKRUPTCIES IN MY NAME ONE ON XX/XX/2019 XXXX # XXXX AND AGAIN ON XX/XX/2019 XXXX # XXXX. I CONTACTEDTHE AUTHORTIES IN XXXX NEW JERSEY BY PHONE AND WAS TOLD IN ORDER TO FILE A IDENITY THEFT REPORT I HAD TO COME IN PERSON AND FILE IT SO I TOOK A PLANE FROM CALIFORINIA TO NEW JERSEY AND FILED A REPORT. i THEN SENT IT TO ALL 3 CREDIT BUREAUS AND TRANS UNION REFUSED TO TAKE IT OFF AFTER I SPENT MY TIME AND MONEY TO GO TO XXXX POLICE DEPT TO FILE A REPORT. THE DETECTIVE INVESSTIGATING THE CASE IS XXXX XXXX A 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 2022-01-13 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 have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX  ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 168XXXX I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.

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 2022-01-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.

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