vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022, my card was charged {$660.00} instead of {$65.00} when in XXXX. When I got back to America I disputed the charge on XX/XX/XXXX. They got back to me XX/XX/XXXX saying they were researching the dispute and on XX/XX/XXXX they confirmed the transaction was valid. I put in a dispute again the day after, and on XX/XX/XXXX they began researching again, and found the charges valid. On XX/XX/XXXX, I disputed again, told me they were researching XX/XX/XXXX, and confirmed they were valid XX/XX/XXXX. In XXXX I filed a dispute again, XXXX XXXX  XXXX they said they were researching, XX/XX/XXXX they said they believed my dispute, but too much time has passed so they couldnt give me my money back. 

The charge happened on XX/XX/2022 when I was in XXXX. I was at XXXX XXXX XXXX restaurant for lunch where my bill was XXXXXXXX EGP ( {$65.00} USD ). I handed the waiter my card and bill, he charged me XXXX EGP ( {$660.00} ). They then took my friends card and billed her the correct amount of {$65.00}. After many failed attempts with Chase Bank, I contacted the restaurant over XXXX XXXX in XXXX. They immediately replied and said they have the receipt right here, sent me the receipt, then sent me a bank statement. This bank statement was them transferring the XXXX EGP to a bank account under the name XXXX XXXX I am not him. 

I still have all the receipts and conversations with the restaurant if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NC

Complaint narrative:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries XXXX5 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
My wife had set up auto-pay for our mortgage but there was an issue as we opened an additional savings and checking account to manage our money. We missed 2 mortgage payments. Upon discovering the error, we paid those two and our current months all at once. We are fortunate to have no difficulty paying our mortgage. In the process multiple payment reversals were accrued because the autopay account was insufficiently funded. In XXXX I also did a the mortgage payment manually on the website because there was no pending payment alert or anything signifying our new auto-pay has been implemented properly. The company treated it as a double payment, with the second one reversing. They informed us that 3 reversals means we must not give payment via ceritifed check. Despite my protests on the phone, the customer service rep ( who acknowledged that because it was a double payment reversal that we should be allowed to pay online still but that he was unable to change it ) said that I should submit payment this way a few times and then check back. I sent a cashier 's check via XXXX XXXX to the address provided. That paymeny was initiated on XX/XX/XXXX, and sent the following day XX/XX/XXXX. Payment was posted XX/XX/XXXX on my United Wholesale Mortgage account. I then received a notice saying that my payment was sent to the wrong place and therefore they had difficulty posting it ( However, it was posted within 24 hours of the check delivery, did not reference the loan & the original notice did not supply any of these directions ) and that I must mail my payment to a new address, a po box . Payment services like bank certified check delivery do not deliver to po box es. I have attempted to call UWM and their lines are down due to a technical error. I have attemped to reach them via customer service chat which is also experiencing technical errors. I believe that this is predatory and harrassing behavior because they would like to make fees off of late payments penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX about the problem. I sent proof over and the bureaus are still reporting the accounts. Equifax and XXXX says the account is in good standing and XXXX XXXX says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on XXXX XXXX need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} UNKNOWN XXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$82.00} XXXX  XXXX {$30.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
I began a lawsuit against my HOA last year after they began collection activities in XXXX and placed a lien on my home. Starting last year, they began refusing payments made toward HOA assessments. Additionally, a non-attorney provided legal advice in her correspondence with me ( XXXX - XX/XX/XXXX ). 

Additionally, I disputed the initial letter they sent and they failed to identify the original creditor of XXXX of the fees. 

I am a " consumer '' under FDCPA. and I allege XXXX, retained by the Association to collect the debt, is a " debt collector '' under the FDCPA. I also allege that XXXX violated the provisions of the FDCPA by attempting to collect future costs that I do not owe. The debt I owe to the Association arises out of a transaction entered primarily for personal, family, or household purposes. 

The file named " XX/XX/XXXX '' was the initial collection letter and the letter named " XX/XX/XXXX '' was the follow up after I disputed. I've also included a copy of the letter accompanying the lien they placed, named " XX/XX/XXXX. '' Please note to whom they state to make my payment payable as XXXX Parkhomes. The {$150.00} Transfer Fee belongs to In XXXX XXXX as shown in Attachment A of the PDF named " Contract '' which is the agreement between XXXX XXXX and In XXXX. They waived this fee in the file named " XXXXXXXX XXXX XXXX XXXXXXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. Has violated my rights.

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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company sent me a statement that I owed a debt to them and I have never heard of them until I received this notice. They are damaging my reputation by putting negative information on my consumer report after receiving a cease and desist ; they have defaulted in responding to my debt validation requests and affidavit. I sent them notices and highlighted their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Pressured to open additional accounts when I didn't need 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 monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 I spoke with XXXX at XXXX. XXXX XXXX XXXX Bank of America in XXXX, IL. I was inquiring about depositing checks for my minor son 's who are ( XXXX. and XXXX XXXX XXXX ) and don't have Bank of America accounts, but I do. I asked if I could deposit them in my account and he said no. I told him in years past I deposited my minor son 's checks in my checking account but he said we can not do that anymore I would have to open accounts for my sons. I asked if I could speak with the branch manager and he replied he was the branch manager. I told him I wasn't comfortable giving out my minor sons SSN and other info. because of identify theft and he actually laughed/ chuckled a bit. Anyhow, he refused to deposit my sons checks and was rude and unprofessional. I actually work in the financial regulatory industry and ask this be investigated. I don't know if BOA has some sort of employee incentive compensation program based on account openings but for the life of me I can not understand why he refused to deposit my checks ( which btw : I deposited at another branch with no problems ). I asked that you please remedy this situation so bank customers aren't lied to and forced to open accounts when they are not legally required to.

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
After transferring the bulk of my funds to a Bank of America account due to higher international wire limits. I scheduled an appointment and notified the bank several days before that I would be going to the branch to send an international transfer exceeding {$50000.00} and to be prepared to do so as I was moving out of the country. At the scheduled time I filled out all paperwork, provided both US Passport and valid state ID. About 40 minutes passed and the Bank Manager came to speak to me. She notified me that my account was now frozen for suspected fraud. And that the wire would not be sent and that I would have XXXX access to my funds. I was scheduled to leave the country, a very large international move two days later. With XXXX access to my account, multiple vendors would not be able to get their payments and created an issue. My pets USDA health certificate payment was refused, causing my pet to not be eligible to leave the country at the pre-set departure date. I was unable to pay the airlines to rebook my tickets, unable to pay rent, purchase fuel, or groceries to wait out the account freeze. This is beyond unacceptable.

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