vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/22 a check was fraudulently cash on our HOA account. A check for {$520.00} was altered to {$18000.00} and cashed. A claim ( XXXX ) was filed XX/XX/22 with XXXX XXXX at the XXXX branch XXXX She said the check appeared to have been " washed ''. I have been calling and responding to all correspondence from the bank and have received no results. The declaration of Unauthorizes Endorsement as well as supporting documents were submitted to the claims department on XX/XX/22. On XX/XX/22 I contacted customer service about the lack of response and I was told this would be escalated to the Chairman 's office and someone would be in touch within 24-48 hours. I have called several times since then, received conflicting information, and no one has contacted me as of today. The police have complained about the lack of transparency, but have been able to work with XXXX XXXX  to determine the account the funds were deposited into. Some of those funds are still there. We have done EVERYTHING that has been asked of us and it's hard to believe that our funds are not safe in a bank. We feel our funds should have been returned immediately and we do not feel that we have been protected as consumers. 
XXXX XXXX of the XXXX XXXX XXXX, MI police department XXXX has been doing an outstanding job, bur we are reaching the limits of his jurisdiction. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have 2 accounts with PayPal and have learned that if I practice my Constitutional right of free speech on my personal social media, they will charge me {$2500.00} each time. This is a felony offense and I demand that theyre immediately investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: LA

Complaint narrative:
Returning home after being displaced because hurricane ida in XX/XX/2021, my family and I attended an event that was offering free food, free legal assistance, assistance with fema, and other different free resources. Att was also on-site and to my knowledge offering free phones with two months of free service. The phone was eventually disconnected only 30 days later, and apparently not free because here I am currently in the process of disputing these charges from my credit report. I feel that this company preyed on myself and several other people that were in a very vulnerable state at that moment. I wasnt financially able to pay my rent at the moment, so I definitely wouldnt have agreed to take on another bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
DEPOSITED A CHECK XX/XX/2022 FOR {$19000.00} AT CHASE BANK IN XXXX CA. THE CHECK WAS MADE OUT TO A PERSON NOT ON MY ACCOUNT BUT THAT PERSON INCLUDING MYSELF PROVIDED BANK WITH NECESSARY VERIFICATION TO DEPOSIT INTO MY ACCOUNT AS SHE SIGNED OVER CHECK TO ME. THE CHECK CLEARED BUT THE BANK WAS CONCERNED AND REPORTED MY DAUGHTER TO ADULT PROTECTION SERVICES AND SAID THE FUNDS WOULD CLEAR ONCE THEY CHECKED THAT THERE WAS NOT ELDER ABUSE AND CLOSED INVESTIGATION. ON OR AROUND XXXX, FIRST WEEK OF XX/XX/2022 AND THE BANK IS STILL NOT RELEASING FUNDS AND STATED THAT THEY CAN NOT TELL ME WHY THE FUNDS ARE NOT BEING RELEASED EVEN THOUGH THEYCLOSED MY ACCOUNT IMMEDIATELY AFTER DEPOSIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: GA

Complaint narrative:
During the pandemic in 2020 my entire household was hit with XXXX XXXX and me and my spouse was completely out of work we was very sick so I reached out to a public agency who assisted with rental payments to help me with rental payments because I had fallen behind and I had to come off of my job because I was so sick and to help take care of other household members who was also sick the agency agreed to pay 4 months of rent including what I had fallen behind of the leasing office claims they never received a payment in which the case rep who was helping me at the time sent all receipts and letters for proof in which I have attached copies of.

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 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
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 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 2022-10-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I've been fighting this issue for years. The last letter sent was XXXX of this year, and nothing happened. 

The account is paid off and they will not remove it. I'm trying to buy a home and this messing up my credit profile. 

I paid this account off in XXXX of XXXX. It's an old account from XXXX. Its the department of education and I need it removed. 

I paid the account off, its still showing delinquent, and messing up my profile significantly, and it shouldn't be. 

If its paid and they wont change the status, then I need it removed. I need to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was solicited by Bank of America. I had a high rating for many years. The entire process was as told by the promotion person was recorded. 
The agreement was for {$15000.00} leaving a balance of credit with my account. 
The terms were " Interest free for 17 months for a fee of 3 % ''. I paid off the balance I had and agreed to pay the {$450.00}. 
Soon I saw rather large interest payments on a small recurring XXXX monthly charge. 
I called several times and never got a reasonable reason. 
I removed the recurring XXXX charges and started getting very large monthly fees. 
I went to a advisor who represented me on a call and was listening to the same unfounded reasoning about the charges. He was told to hold on after 3 different representatives and talk to the promotion department. There was no more conversation they hung up on him. 
I am a 82 years of age and have these monthly charges I do not deserve. I also believe I was targeted because of my age. The XXXX XXXXXXXX of NY XXXX XXXX guided me to your office.

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 2022-10-14 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: LEXISNEXIS
State: TX

Complaint narrative:
I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating my rights under 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc.
State: NH

Complaint narrative:
My business opened up a new merchant account with XXXX XXXX, which was approved on XX/XX/2022. We were up and running with POS equipment for approximately a week when they canceled our account and sent us a notification that we needed to return the equipment. This was on XX/XX/2022. After inquiring for further information, they advised that our business was placed on the MATCH list, aka Terminated XXXX XXXX XXXX. Never having heard of this, we did some research and realized that there was nothing that we had done that would be a criteria for being placed on this list. They advised that their risk department, which is Paysafe, had flagged us and advised them to terminate our account. Paysafe advised that we were placed on this list by XXXX XXXX XXXX Bank, who advised it was not them, it was XXXX and gave me an email to contact them for further information, which was XXXX. After inquiring with them, they advised that my name personally ( I am a co-owner of the business ), has been flagged as a victim of Identity theft therefore putting our business on the MATCH list. I contacted all parties, XXXX XXXX and Paysafe to request them to investigate the situation more thoroughly as we were not the perpetrators and that XXXX advised they could contact them to confirm same. Paysafe has our money on a 180 day hold. The estimated amount of money that they are holding is {$6500.00}, but this is not verified as they have not confirmed the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I closed on property XX/XX/XXXX, taxes increased in XXXX after my purchase. Servicer was given new property tax information but didn't start escrowing the correct amount of taxes until XX/XX/XXXX when I asked for a partial claim and numbers were redone. I requested an extension on the escrow shortage to 36 months but was denied. Servicer states I can not speak to the tax dept or senior management about my request. Due to the carelessness servicing of my loan, my payment has increased by {$300.00}. 
My net income is {$4500.00}, new payment {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was informed by Wells Fargo on XX/XX/XXXX that a fraudulent wire transfer was being returned. They listed the amount that was being returned. I called several times on XX/XX/XXXX to confirm that this amount was being refunded as I was only seeing a credit of a partial amount. It was affirmed to me by 3 people who saw the same email notification I received in Customer Service Online that I would indeed receive the full amount reflected in the Notification. I also then spoke with someone in the Online Fraud department who separately confirmed to me that what I was seeing was only a PARTIAL refund but that I would be receiving the full amount within 2 business days. 

I called again on XX/XX/XXXX to confirm this with somebody in the online Fraud department and they gave me a radically different response : 'that Wells Fargo was only able to recover a portion of the funds from the Recipient bank '. 

I can't get a straight answer and have it in writing that Wells Fargo is returning {$24000.00}

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: UT

Complaint narrative:
I requested my file disclosure from LEXISNEXIS RISK SOLUTIONS ( LNRS ) on XX/XX/2022 through the CFPB and they sent an email to me through their consumer center but misspelled my name and my email thought it was an unsafe email and put it into spam. I didn't notice the email until the CFPB notified me on XX/XX/2022 that LNRS told me they contacted me through email on XX/XX/2022 and that I didn't answer so they closed the case. LNRS suggested I go directly to them to make my request but I don't feel safe or trust that their actions are done in good faith. In the email I received they already broke federal law by asking me for my SSN and asking me for other private information that has nothing to do with verifying my identity. I want them to take their grave responsibility as a CRA seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold. 
I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds.

At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened up a highschool account for my daughter. 2 years ago it was changed to the regular checking account. I was not given any reminders when it changed over, as to am I still linked to her account. In XXXX my daughter started school at XXXX. She received an email through the school where someone offered her a job which turned out to be a scam. While the checks were pending my daughter asked that the checks be stopped by Chase who refused.

Chase decided that they were going to make the checks available in good faith, so by daughter dispersed the checks that was deposited into her account before she realized that it was a scam. My daughter and I contacted Chase about XXXX times concerning this issue. We were told that they were locking her account for 10 days to see if those checks or others were going to through. 
Also we were told that the if she didn't pay the {$2600.00} overdraft within that 10 days that they were going to close the account. The last conversation was on XX/XX/XXXX. I looked at my account on the XXXX and found that the money was taken out of my account without prior alert. First I feel like there should have been some type of letter to let me know that I was still connected. Secondly we were lied to about what was to happen with the account. Thirdly I think that it's fair that I get my money back and contact made to my daugter to make arrangements with her to pay the money. That money that was taken out was for home improvements that underway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Accounts.XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXXXXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Accounts.. XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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