vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I initiated an international wire transfer on the XXXX of XXXX from my Chase business checking account for XXXX dollars that has not been received by the recipient branch. The wire was sent to my father 's bank account in XXXX. It has been 16 days since I made this transfer. An international wire transfer is supposed to take 1-5 business days. My first phone call to customer service at Chase was on the XXXX of XXXX inquiring why the wire had not been received by the recipient yet - since my account had been debited days ago.I was informed to wait until the end of the week to start an investigation. I called back Monday the XXXX and was issued a case number XXXX but I have been unable to get anyone in Client service to actually track or follow up with what is going on with the transaction. After a week of waiting, on the XXXX of XXXX I had to harass customer service for a helpful answer and was finally directed by an agent to something called the " secure messages center '' which is a service that exists within the Chase online banking app - a service I did not know existed, nor was informed of by Customer service until I threatened to escalate the situation. To summarise it is like a private inbox within the app itself and the messages sent or received here are not reflected in my regular email inbox that is linked to my bank account. Therefore, unknown to me, this entire time, there had been a message in the Secure Message Center inbox from their " XXXX XXXX XXXX XXXX XXXX '' sent on the XXXX of XXXX stating that the wire could not be completed because the XXXX XXXX XXXX XXXXXXXX required more information regarding the purpose of the wire and that if I did not provide this information within 5 days of the receipt of that message, a recall would automatically be initiated and i would be charged the fees to process the same. Since not a single Customer service agent I had spoken to directed me to this service until the XXXX of XXXX, or even informed me that such a service existed and that I had probably overlooked a message regarding my wire in this specific part of the online banking dashboard, I did not end up being able to provide the relatively simple information that could have allowed the wire to go through within the required time window. The message also mentioned that the recall would take 3-5 business days and that I could contact the XXXX XXXX XXXX XXXX XXXX XXXX for any further information. When I attempted to call this number on the XXXX of XXXX I received an automated response stating that this department was unavailable. In my last conversation with a customer care specialist with Chase I was informed it would take 3 months to recall my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to National Credit Systems, XXXX, XXXX, and XXXX. XXXX removed both trade lines and XXXX and XXXX just removed one. My complaint is directed towards National Credit Systems due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Disputed charge from XX/XX/2022 from XXXX XXXX were I DO NOT hold a policy. Have been disputing this company for months and asked to have them blocked because Bank of America allowed them to continue to charge me. Bank of America put a block only of the dollar amount so XXXX charged a lump sum of all disputed charges into one. Contacted Bank of America to dispute the new charge. They disputed it and gave me a new card. however they put the charge back on my new card. I called a month ago and was told the credit was just not moved over from the old card and that the charge was in dispute they were just waiting for the credit to move to my new card. A month later this charge is still on my account. No on e from Bank of America can help or is willing to help. Have spend a total of XXXX XXXX on the phone trying to fix this with no avail Now I am being billed and recieveing late fees for charges that should not exist.

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 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Created account long before phone # required. At some point Paypal suddenly required phone # to log in. NO alternate way to " verify '' account. Providing phone # requires acceptance of Paypal 's terms which include allowing them to market/harass at that number. These are unacceptable terms, therefore there is no way for me to log in. 

After multiple attempts closed account on XX/XX/XXXX. At that time was told there was no way to delete my information unless I logged in. Since I can't log in because I don't want Paypal to have any more of my information, this is a most brilliant Catch-22 doublespeak. 

Was told Paypal " might '' be able to delete data. Never received any further communication. Multiple emails sent to multiple addresses on XXXX, XXXX. No response. 

All personal information should be purged from Paypal databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: OH

Complaint narrative:
There are inquiries on my transunion report that I have disputed that arent mine. I didnt authorize any of these inquiries. Transunion is not removing these. Which is having a big impact on my credit score

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 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My accounts are XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Before i begin, i was told XXXX XXXX XXXX was Deleted. Now as a consumer i was told i have the right to have an investigation done. The Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every thing must be taken to assure the information reported is completely accurate and correct. I sent a letter asking questions about these accounts on how they was effecting my credit report and found they are not the actual holders any longer. No matter that, but from reading my rights as a consumer after a reinvestigation under paragraph of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall. Promptly delete that item of information from the file of the consumer or modify item of information. I have fixed everything on my credit for the last couple years and i'm still not seeing results and i was willing to do my part, now i'm asking for assistance going forward because i don't understand the problem and i'm following the rules of the laws given.

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested that XXXX and Equifax and XXXX XXXX XXXX  conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CBC Companies, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested that XXXX and XXXX and Innovis Consumer Assistance conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # XXXX ; XXXX stated that they verified the following accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: IL

Complaint narrative:
I am requesting assistance regarding my consumer file that is being held by XXXX XXXX XXXX, which is a credit reporting company that falls under the Fair Credit Reporting Act. On XX/XX/2022 I requested a full file disclosure pursuant to 15 USC 1681g ( a ) ( 1 ) ; in the correspondence I requested all information in my consumer file in which they failed to disclose the file pursuant to my request and refused to provide me the requested information in their files. Yet they are providing information to third party credit reporting agencies unauthorized without written consent. XXXX XXXX XXXX is continuing to violate my following rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 
They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( 1 ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
I am requesting that XXXX XXXX XXXX provide me the complete file and disclose who they disseminated my credit report to and for what reason and with what written consent.

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 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

Collection account listed as XXXX XXXX XXXX XXXX .... 
XX/XX/2022, I called XXXX XXXX XXXX  and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from Citibank N A  ) I have never had an account with Citibank NA as you can plainly see on my credit history.

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 2022-08-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish

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 2022-08-27 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage was recently acquired by Fifth Third Bank. 
I set up my online account to make mortgage payments. 
The online system showed my next payment due XX/XX/2022. 
On XX/XX/XXXX I made a payment of {$2600.00} ( {$850.00} principal, {$1300.00} interest, {$400.00} escrow ) and it was designated a " regular monthly payment '' on the Fifth Third website. 
I also made an additional principal payment of {$380.00}. 
On XX/XX/XXXX I logged in to see the " system '' applied my entire payment to principal, and I still have a payment due XX/XX/2022. 
I contacted customer service via chat who said " The trouble is because your payment is already paid for XXXX, so there is no bill due at this time, since XXXX 's due date isn't anywhere close. '' I paid a payment 4 weeks in advance. 4 weeks. This bank is clearly fraudulently applying payments to their benefit if customers can't apply simple payments 4 weeks in advance! Not only that, but their " system '' I used designated this a " regular monthly payment '' - so why didn't the " system '' apply this correctly? 

I am not going to argue with them each month when I make a payment. Some of us stay on top of our bills. We should not be punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX AND XXXX IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Personal loan went through bank account, had false signature, it cause my bank account to close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: AR

Complaint narrative:
XXXX AND TRANSUNION IS NOT RESPONDING MY LETTERS. 

Please have them do their job and respond to the letter thats attached below.

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 2022-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: WY

Complaint narrative:
I applied for the Student Loan Forgiveness program. I tried to upload information that would be lost or denied. I have several part time non profit jobs and that was a problem to the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Dear sir/maam, The XXXX Credit card called XXXX card I had been using for a year. While I was using I noticed that my balance will never go down no matter what I pay because they keep adding nonstop every different kind of fees every single day to prevent you having your balance all paid. Then I was aware that I had to pay double or Triple of my original amount so I called the customer service ( which is very impossible to reach out and so rude and will not even talk ) closed my account. Then on XX/XX/XXXX th I paid the total amount where I made sure I owe nothing. However they keep sending me a bill {$480.00} and fees {$37.00} and not closed my accounts. When I call them they just hang up on me. So they are scamming me by showing the amount hasnt been paid and I havent closed the account. Last month I finally reached out someone and she told me she fixed it and I dont owe anything and account is closed. However this month of today I received an email says I have to make a payment and when I called them they hangup twice then they yelled at me and say its system error which I know its a lie and hang up on my face. Its a financial abuse and I dont know how to handle this issue anymore. So please help me on this issue and please dont hesitate to contact me if you need any further information. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief