vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a Business Account in Chase Bank and On XX/XX/2023 Evening my Chase Bank Business Account was closed even though in the same day morning I spoke to Bank and everything was fine. I received payments from my Clients and I also transfer amounts to my partners and employees as usual conduct of Business. Im also going to attach the evidence of legit payments I received from my clients but Chase Close my account by citing Suspicious Activity and didnt provide any reason. Next Morning I went to Chase Bank Branch and heard same thing and also heard that I can never open an account in Chase for a life time and that they just close my account which is a complete humiliation and discrimination against an innocent customer. My account and business wasnt involved in any kind of wrongdoing but dont know why got a humiliated treatment from Bank . I even tried to show them documentations to prove my point but they refused to listen or see anything. I really want CFPB to take action against this financial institution for humiliating and discriminating a customer for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a check from a job that I had applied for. I applied for a job with a healthcare company and the check came from a healthcare provider so I assumed it was a legitimate job. I went through the interview process and was told I had been hired but I needed to go through training. I was told that I needed to purchase the equipment to be able to do the job and since the company was out of the country I would need to buy the equipment myself. When I received the check my manager wanted me to deposit the check into my account but wait until it cleared before spending any of the funds. I thought that once the check cleared it was fine because what bank would clear a bad check? I waited until it cleared and notified the hiring manager. She proceeded to tell me to send the money via XXXX to 2 different accounts. I was told that I was sending money to Vendors who had the equipment and they were going to come install it at my house. I was told to send {$2000.00} to one person and {$1500.00} to another but the transfers were broken up into separate amounts. She also wanted me to send money via XXXX XXXX but XXXX XXXX refunded it back to me. Her last request was for a {$500.00} gift card. She asked me to take a picture of the card and send it to her. She wanted me to buy the gift card so that I could use it to get a landline installed at my house. I was told to go to XXXX XXXX and purchase a printer and headset for the job as well. 
The hiring manager sent me a {$4500.00} check asked for nearly all the funds back and once the check bounced I was left with an account that was {$4500.00} in the negative. Bank of America cleared the check but they are refusing to take responsibility for it. I also quoted Federal Regulation E, from the EFT Act that the Bank must reimburse you even if you sent the money yourself and someone induced you to send them money. When I called the Bank, I was told that this is a common scam but they are unwilling to do anything about it. 
The bank cleared the check so I thought this was a legitimate job opportunity. There was no protection for me from the bank, they should have stopped the transactions 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 explanation
Consumer complaint received 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2023 I signed up for a service called XXXX  through XXXX. XXXX is a service through Transunion that matches renters to the properties that are within their credit and/or income range. I paid for the service and got my score, which XXXX refers to as an algorithm ranging from XXXX to XXXX, but stated it is not a XXXX XXXX. They stated that it differs from a credit score because it does not count medical bills nor student loans. 
My problem with this is my Transunion credit score is XXXX and my XXXX score is XXXX. With that being said, I asked why the XXXX score was lower than XXXX, rather than higher. It also took several times for XXXX to correctly verify my identity. I enquired if that could have caused a mix-up, and that this would cause a potential problem when trying to rent. I was told that the system calculates the score and there's nothing that can be done. The ability to rent a home is very important and systems can have glitches as well. It seems as if Transunion is not willing to even look into this even though it may not be accurately scoring consumers and could potentially cause them problems when trying to rent a home.

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 2023-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
In XX/XX/XXXX I went on unpaid FMLA for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance with XXXX XXXX XXXX. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every XXXX weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to First Midland Mortgage. When I reached out to Midland Mortgage they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark 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 explanation
Consumer complaint received 2023-03-30 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: WA

Complaint narrative:
On XX/XX/XXXX my account information was stolen and accessed without my knowledge. They made a tele transfer of all funds from my two savings account to my checking account, and then made several international purchases, draining the account. I immediately contacted Wells Fargo and made them aware of the fraud.

The card used in the checking account for these transactions was ending in XXXX. That card was never in my possession, and I did not authorize its use or have any knowledge of it. 

There is some documentation of them using a XXXX XXXX phone, which I have never owned or used, and can be verified by my current phone company. 

I checked my online messages through the banking app and saw that on XX/XX/XXXX someone made two unauthorized telephone transfer to move the funds from my two savings accounts. Reference # s : XXXX and XXXX I have attempted multiple times to resolve this with Wells Fargo, and was told the claim was denied, and refused an explanation of why or how to proceed. These are clear fraud, and easy to see as such just by looking at my account history and the transactions.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Liability Court US BANKRUPTCY COURT  XXXXXXXX XXXX  Date Filed XX/XX/2020 Reference Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
Credit acceptance car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting XXXX XXXX XXXX XXXX plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.

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 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has been reporting my scheduled, on time, auto payments as late to all three credit bureaus since XX/XX/XXXX thus affecting my credit score. I called customer service to inquire about the discrepancies and was transferred to theirs Collections Department. A collections representative advised there was nothing that could be done about this because of the auto payment program which I am enrolled in. Capital One is taking my on time payments and continues to report them as late, based on an auto payment plan they provided to me. My credit report reflects 150+ days late to current date, XX/XX/XXXX, because of Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The addresses that are on my credit report are not my addresses.I have had an issues of identity thief.I filed a police claim and everything to have the issues resolved.I also filed complaint/dispute to the credit bureau XXXX XXXX ) about my identity being compromised, and the information is still there.

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 2023-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Paypal credit card has reported balances to credit bureaus 3 times in on month. This is affecting my credit scores and have not been able to get issue resolved talking to their customer service.

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 2023-03-30 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: CITIBANK, N.A.
State: KS

Complaint narrative:
I have spent 12+ months do not have dates or times except XXXX thru XXXX Citi bank allowed a XXXX fraudulent withdrawl to come out of my bank account. I reported the fraud to my bank Citi. I have filed complaints and tried at least 22 times to get an answer from Citi on where we are in the investigation what can be done to make sure my account is in good standing. Because someone has gotten in my account they will not talk to me stating that my security words are wrong and that my information does not match. So no one will speak to me. I have tried to get my info to be honest I am at a loss why a bank would not file a fraud form and make sure my account did not close or protect their customers from having a closed account I will never know. I also requested they file a fraud form due to the fraud on my account. They hung up on me. 
I have been trying to resolve this issue and then the bank reported with an amount which was the amount frauded from my account on XXXX. So now I can't even go with another financial institue. What can be done please help.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2023-03-30 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: NM

Complaint narrative:
XXXX XXXX car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting 30 60 90 120 plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2023-03-30 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: FL

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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