vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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:
A check that I had placed in my mailbox on or about XX/XX/22 to be mailed out to pay the bill to the water company was taken at some point either from my mailbox or during mailing and altered for a different amount and made out to a different person, and my account was debited for {$6800.00} when the check was originally made out for {$100.00}. 

I noticed this issue on XX/XX/22 and immediately notified Chase Bank, my bank. The following day, I went in and filed a fraud claim with Chase on XX/XX/22. I received a letter from Chase about two weeks later that they had filed a claim with the other bank on my behalf. I have still not received my money back and have had no further update from Chase. My understanding is the other bank that cashed the altered check is XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
I am a consumer law attorney in XXXX, NC. Regional Finance Company absolutely refuses to engage with counsel regarding accounts that it has filed complaints to recover money owed. They say that their company policy is not to speak to any third parties, including attorneys. This makes my job as a consumer advocate impossible. My clients have the right to be represented by counsel when a creditor files a legal action against them - even if it's in small claims court. Regional Finance Co can not just refuse to engage with counsel. My only option is to appeal every small claims judgment to district court so that Regional Finance Co will have to retain counsel to participate in the legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/22, I received a text, from chase fraud department, asking if I made a purchase at Nordstroms, I didnt think so but went to look online on my nordstroms account, and I didnt so I replied no, a few minutes later I received a call from chase bank and it said, chase bank the same number on the back of my chase card. They said they were calling to verify. We hung up, about XXXX minutes later, same number etc, called and asked for me, said that there was more activity and it was my daughters account linked to me, saying there was a wire transfer for XXXX. I immediately said absolutely not, started to panick, I said how do I know this is chase, they had my info etc said I could call back etc, hung up was on hold, for a while calling same chase number back, they called in I said I was on hold still, etc, hung up, called the number again, back and forth we played phone tag, finally I realized it was chase, well thought so, I asked what can I do, they said they could, walk me through it, very nice and obviously impersonated chase and I had no idea, sent me a like to say no it was fraudulent, another line to stop the transaction, code a code gave code they said it was a one time code etc and they said it was all done, stopped, call back if I have any questions, a hour later I went online to look and realized XXXX was taken out, I called chase, on hold forever, they gave me he run around different departments back and forth for over an hour, finally someone said go to the chase branch, I go they filled out a form for a reverse wire, banker called an hour later told me to go online to fill it out, I called emailed etc no response from the wire department, called the bank it wired to and they couldnt help, basically run around, chase was absolutely no help at all cold etc, a few weeks later or idk 10, days I get an email wire reverse denied, I called furious, no help the letter said contact the other bank, I email, them they say this is the business office law office dont contact us, I called chase agsin and emailed no help they absolutely waited too long for wire reverse etc .and have not helped at all and we want the XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a deposit on XX/XX/2023 to my chase checking account. They put a hold on the check that was deposited. They have already received funds and are telling me that they can not verify that the funds are available. I have called four separate times to get an answer as to why they put a hold on my check that I deposited. The check that was deposited was from another account I have with XXXX XXXX and I have spoken with the branch manager at the XXXX XXXX location where I do my banking with them. The money was withdrawn from the account on the XXXX and chase has the funds. This is the tenth time this has happened in the last six months. Now chase is charging me for overdraft fees despite the check being paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm with Citibank, N.A XXXX XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX and I have reason to believe that I'm being discriminated upon due to my race, I currently have a credit card with Citibank and my credit card includes banking app options in which I can access my account through my phone inside this app also includes my XXXXXXXX XXXX which is incorrect and has been since I've been a member of Citibank since XXXX. It shows a delinquent account on the app it also shows a XXXX credit score which are both false I never received an increase in credit due to this issue.

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 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I'am a member of Navy Federal Credit Union , I have an account with them for some time now, I completed all of banking with them. not to long ago I had NFCU dispute some fraudulent charges on my account in which they did investigate and give me my funds back, once the funds were in my account, I spent the money. After a few weeks, NFCU took the money back and this put my account in the negative {$8000.00} +., XXXX of my direct deposit checks were also deposited during this time and this deficit took my check. this severely impacted my livelihood and forced me to go into debt with numerous other companies. Navy Federal has since charged this debt off, are still asking me to pay them back. IRS identifies a charge off as income, Navy federal has yet to provide me with a XXXX, Navy Federal are conducting illegal acts with my account and have infringed on my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( transunion, XXXX and XXXX ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX. is in breach of copyright. Remove all data from the credit reporting agencies 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 non-monetary relief
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company appears to be a debt collector and has 2 entries on my credit report with all XXXX credit agencies ( XXXX, XXXX and experian ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX is in breach of copyright. Remove all data from the credit reporting agencies 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My compaint is on XXXX I did not know that this entitiy was in kahoots with XXXX. I just ran for XXXX in XXXX XXXX 2022. I had XXXX they let them shut down my whole communication. For the whole race. I am a two time business owner and it was a business account. I believe this credit bureau should be charged and locked up. They have all our information on their hands and we can't trust them. I have been trying EVRYTHING to fix my credit report with this entitity for over seven years. The had a data breach involving XXXX, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at 800 after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: WA

Complaint narrative:
I opened an account with CashApp. I lost my debit card. Upon receiving the replacement they advised me that my balance can not be transferred and that they were very sorry. They stole my money and its being held in escrow. Furthermore their customer service people cant speak XXXX so how are they able to understand my situation? CashApp are criminals and they stole my hard earned money. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Someone applied and received a loan using all of my personal information. 

The amount of the loan was {$4000.00} It was from Tower Loan XXXX XXXX, XXXX Check date : XX/XX/2022 Check number : XXXX Loan number : XXXX Branch Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement.

I have been under duress and I am a XXXX XXXX XXXX connected XXXX XXXX and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for XXXX XXXX XXXX and I am also recovering from XXXX Covid scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me XXXX and I need it to stop. 

Also the original debt belonged to XXXX XXXX XXXX  and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX  ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-26 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: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Debit collector has been told not to contact me at work and has done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquires were not authorized by me and need to be deleted. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  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 2023-01-26 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Credit company has added incorrect payment dates. They have listed the last payment date as XX/XX/XXXX on my dispute and on credit profile. The actual date of last payment was in fact XX/XX/XXXX. Confirmation number is either incorrect on the website or on the receipt that was sent to my email. On my copy that was sent the confirmation was listed as # XXXX and on their online system it shows payment confirmation # XXXX. On the complaint through XXXX, they reported no payment received on XX/XX/XXXX and I have two different confirmation numbers for that one payment. Payment date reported to XXXX as XX/XX/XXXX and paid on XX/XX/XXXX according to their response to XXXX. The actual payment date was XX/XX/XXXX according to my bank account record. This also proves inaccuracy in their reporting of dates. The creditor closed my account without warning on XX/XX/XXXX according to XXXX XXXX I have currently enrolled in a settlement and the amounts are wrong when I call the online system. Nothing in their reports match the data that is on my statements and the settlement amount. There are errors all across the website that do not match what has been reported. As of XX/XX/XXXX I owe them {$150.00} which was confirmed when I called them and made payment in the amount of {$74.00} by phone on XX/XX/XXXX at XXXX. When I call them by phone it states I owe {$410.00} as of XX/XX/XXXX with a minimum payment of {$190.00}. None of the amounts match that are listed on the online access and the phone system. The main issue is the reporting of dates that do not give correct information.

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 2023-01-26 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: FL

Complaint narrative:
I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been

over 45days no respond. this is grounds for removal. The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not tre at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: GA

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation