vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2022 : I noticed that the entire balance in my checking account ending in XXXX was transferred to another checking account ending in XXXX. 
XX/XX/2022 : The account ending in XXXX was closed. I never requested or approved it. Feeling frustrated, I called Chase customer service to find out what happened. I asked the representative why my account was closed without communication or consent, and if I can have the account restored because it's still linked to auto payments and IRS credit. I was transferred to a different representative three times. The last person I talked to mentioned that it was closed because it was compromised in XXXX. Yes, I know the account was compromised, so I FROZE the account that way no one can take money out of it and it remains PROTECTED. I had plans with the account. I even had a meeting with a local Chase banker to discuss what to do. Chase MUST HAVE communicated or, at least, informed me prior to the account closure, so I can PLAN. Why do I have to find this out myself? Does Chase even care about how customers would feel if their account is closed without knowing it? It makes me feel extremely FRUSTRATED to see my account disappears and all history of it is no longer accessible online. I am very DISTRESSED about the time and effort that I will have to spend because of this expected closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MD

Complaint narrative:
Today XX/XX/XXXX XXXX p.m. I was yelled at in a distasteful matter by supervisor at Discover. I was treated in an extremely distasteful manner by the supervisor where I believe our conversation was recorded on their side. I explained I received an adverse action letter pursuant to 15 USC 1681 m from discover where it was discrimination towards me in the process. I know who I am as the consumer and original creditor and discover is civilly liable for discriminating against me according to 15 USC 16918 and denying me an extension of My Own Credit in a consumer credit transaction. This supervisor is it a violation of the law pursuant to 15 USC 1611 buy also willingly and knowingly giving false and inaccurate information. I recited multiple laws under the truth and lending that discover company must abide by and this female supervisor simply ignored the law as well as showed a negative attitude and raised her voice in the negative manner towards me. I am extremely upset at the supervisors Behavior towards me and I believe that she should be reprimanded for her actions and discrimination towards me. Her tone and behavior was unnecessary and it proves her discriminatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As of late XXXX I was advised of a modification approval, today I am still waiting for the documents to be sent to me. A request has been received again for documents that should be on file such as authorization to release information and statement of information forms. Now, the request includes obtaining a, recorded, warranty or quit claim deed ( s ), due to being divorced since the origination of the HUD/ FHA investor mortgage, which currently is being serviced by Wells Fargo XXXX 
My issue is that XXXX has in their files a copy of the final divorce decree, filed and certified by a Texas state court that document is sufficient in this state to conclude the process of removing the spouse not awarded the property and forward the modification forms to the remaining person who owns and resides in the home, by delaying this task during what has proven to be a tumultuous time for our country, can only serve to cause further borrower harm as it stands each moth that passes only pushes me further in debt with no possibility of principle forgiveness in sight, because of their lack of understanding the Investors guidelines. My deadline is 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 explanation
Consumer complaint received 2022-03-17 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: TN

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/ Madam, My hardship began after moving back to states in XX/XX/XXXX with our XXXX children and husband. My husband was employed overseas for almost decade but faced health issues upon arrival to the states. I was not working for 10 years ( raising our children and supporting my husband ) and with my husband not being able to find work related to his field and having respiratory problems- I secured a job to make sure that we had control of our finances. Up until moving to the states, my husband 's income as enough and we were able to pay our mortgage, and 6 credit cards on time. From the time that I started working I able to continue the maintenance of all our debt. Its was not until XXXX of XXXX that my company started laying off their employees. I survived the many waives of reduction in force- however there was a reduction in loan volume and ultimately a reduction in my bonus and commission income. It was starting to become really difficult juggling all our debt in a timely fashion and still put food on the table while keeping our lights on. I reached out to my credit card companies and explained my situation. I had 3 accounts with XXXX and after a few calls they quickly worked out a plan where they reduced my interest rate to 0 % for 5 years and a low payment plan to be paid automatically. I called up my mortgage company and they paused my mortgage because my hardship was COVID related. I had no success with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MS

Complaint narrative:
Following up student loan for classes I didnt attend. With draw from college with in 30 days. Tried to get resolved for over 10 years. Keep getting run around!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I.C. SYSTEM, INC continues to file major derogatory claims against my credit on behalf of XXXX, a medical provider who has repeated sent fraudulent medical bills for services they confirmed were never rendered during the birth of my baby in 2020.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MN

Complaint narrative:
I opened a checking account online on XX/XX/22 with XXXXMorgan Stanley XXXX They allowed me to mobile deposit 2 checks, 1 from XXXX XXXX for closing that account and the other being my MN XXXX XXXX. Both checks cleared and posted to my account totaling {$3500.00}. Then the bank decided to freeze all my funds for no reason at all. I was instructed to call to fix the issue. When I called I was told to write a letter requesting that they look into why my account was frozen and upload it along with my state ID. I had to renew my MN DL in XXXX and still haven't received my hard card yet so I had to upload my temporary paper government issued ID with the letter. They refused to use that as a government ID. I called them 5 times in 2 weeks trying to get my funds unfroze to no avail. So I finally just requested that they just close my account then and return my funds to me. They are refusing to return my funds and close the account now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor 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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute, it came back verified by XXXX XXXX. I contacted lexis nexis and they have no information regarding the information that the credit bureaus said it was verified. Its also been longer than 30 days and I have yet to receive and response or updated credit report showing its been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MS

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
A collection was filed on behalf of XXXX XXXX XXXXXXXX XXXX around XX/XX/XXXX. This was for maintenance fees for a times share, not a loan, We had attempted to return it to XXXX as we could no longer afford it and they refused. They reassigned this to another company in XX/XX/XXXX, Monterey Financial. They filed a collection in XX/XX/XXXX severely dropping my credit score. Company info is : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX My understanding is that the same collection should not be filled twice by different companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief