vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check from my son a Joyous occasion that he repaid back a loan to start his business Deposited on XX/XX/XXXX on XX/XX/XXXX a restriction was placed on account, after several hours on the phone, the funds were to be released on XX/XX/XXXX On XX/XX/XXXX restriction remained Chase was unaware of policy at local branch, several hours on the phone information was needed, I complied and had my son go to bank and upload all information, next day XX/XX/XXXX account was closed. NO INFORMATION AT ALL WAS DELIVERED BY CHASE BANK XXXX  NOTHING BLANK CANVAS NOTHING AT XXXX LOCAL BRANCHES IN XXXX OR XXXX XXXX WHERE MY SON XXXX NOTHING TO MY SECURE MESSAGE CENTER< NO REACH OUT TO XXXX BANK MYSELF OR THE BRANCH NO CLUE BY INCOMPETANT CHASE BANK i call again so happy on a recorded line NO ONE KNOWS ANYTHING on XX/XX/XXXX he has to go back into the bank to upload again!!! The account is closed My money is gone, No clue in Chase where it is, when I will receive it, who was notified of additional requirements, when I could expect my money THAT WAS STOLEN and what happened to the XXXX It Is truly a CHASE bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Statebridge Company
State: CO

Complaint narrative:
Started a refi in XX/XX/XXXX to consolidate debt and to pay off the account I have with them. 

It is now XX/XX/XXXX and they still wont provide a payoff statement and have completely held up my refi as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
On XX/XX/22 I was contacted by Fairway Independent Mortgage after I was looking to get matched with a mortgage lending company to get more information of FHA loans and other loans for first time home buyers with a credit portfolio similar to the one I have. I spoke to XXXX XXXX and told him I was merely interested in figuring out where my wife and I stood, but that I did not have her information readily available since she was at work. Most importantly I told him we were not prepared to purchase just yet, ONLY to get some ideas on what we needed to do and where we needed to go next. I gave him my personal information for him to get started, expecting no more than a soft credit inquiry. I added what information I could to the online profile and was not even finished adding my W2 information when I received an email from the company that due to my income and credit score they would not be able to provide me financing at this time. Which is not what I asked for. My credit score then showed a XXXX hit to both my XXXX and XXXX for the hard inquiry that Fairway Independent Mortgage performed without my consent and before I was even done with my application process. Now this is on my credit score and could be for the next two years and could severely impact my ability to finance a home. This hard credit inquiry was done without my consent. Fairway Independent Mortgage has not returned my calls or emails regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
There's an open account balance with XXXX  that doesn't belong to me. I was not aware I was in collections and its really affecting my credit. I try to resolve it with the debt collector to remove it but they didnt agreed.

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by Bank Of America 's fraud department that there were a series of transactions ( 3 ) that were suspicious. I was contacted very early in the morning and at that time, I stated that I did not make those charges ; however, I was not aware at that time and found out later that someone had broken into my car and stole my briefcase with the card inside. Since more than 60 days had gone by without being asked for additional information, I thought since Reg E gave the financial institution a limited time to investigate and respond that the claim had been finalized. Except that I got a call from BofA 60 days after and the agent said that since I had stated initially that I did have the card in my possession, the claim was going to be declined as the chip was present. But before I could explain to the agent, that I had later found out that someone had broken into my car, the call was conveniently disconnected. I immediately called back and after XXXX15 mins on hold, I was told that my claim was going to be declined anyway. The fraudulent transactions as expected was a gas station charge and XXXX XXXX XXXX XXXX both for {$95.00}. The subsequent transaction at XXXX was declined by BofA. The presentative to whom I was finally able to talk to said I should have filed a police report. I said I would have if that was a requirement and she said, " no but I always suggest people to do that ''. 

For the rest of the public that sees this complaint, this is not the first time that I filed a dispute and then was declined. Bank of America has a " practice '' of making it literally impossible to provide information they request during their investigation. This is done by making it impossible to call back and get a hold of someone by placing you on hold for hours or by the representatives in their fraud dept. that leave you a message to call them back, do not answer and their voice mail boxes are full so you are not able to provide the information they are requesting to aid your claim and, therefore, you then get denied by claiming you didn't provide the information requested. This Practice fits a pattern of being Deceptive, Abusive and discriminatory at every level

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: VA

Complaint narrative:
This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to MRS BPO, L.L.C. and XXXX XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On : XXXX XX/XX/2022 Wells Fargo doesn't want to give me back {$98.00} of a Overpayment of a Personal Loan, that I have with them, because my Checking Account that I have with them, is Overdrawn.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I have sent XXXX $ from my bank of America saving account ( account number : XXXX ) to my XXXX XXXX account ( account number : XXXX ) thru XXXX ( with registered number XXXX to registered email XXXX ), the day after in XXXX this action was complete, and posted, but I have not received this amount of money in my XXXX XXXX account. I am sure something wrong has happened to this transaction.

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 2022-01-04 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: NY

Complaint narrative:
The XXXX credit bureaus are reporting incorrect information on my credit report, TransUnion, XXXX, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

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 2022-01-04 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: NY

Complaint narrative:
The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, XXXX, and Experian. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

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 2022-01-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX ( {$520.00} ) & XXXX ( {$5.00} ) On XX/XX/XXXX, my card was stolen and about XXXX unauthorized charges were made ( as most charges have been dropped I am not sure how many there were ). I was notified of this through a text from Citi where I immediately notified Citi via text that this was an unauthorized charge ( screenshot attached- please note the XX/XX/XXXX text on the bottom as the earlier texts are from a prior date and not under dispute ). I then went into my account and found the other XXXX charges and, via the app, notified Citi that these were fraud. My credit card number was changed to prevent further fraud. XX/XX/XXXX, while ensuring my account was cleared of these charges, I found that there were XXXX others left behind that had not been cleared. These totaled {$520.00}. I contacted Citi via phone to let them know these were fraud as I did not make these charges. I do not have any authorized users on this account. My fraud claim was denied despite my telling the team multiple times I did not make this charge. I then reopened the claim and followed up multiple times regarding the status and at least XXXX times was assured that I would get a credit in XXXX business days ( screenshots attached ). The XXXX time I reached out I was given a number to call. When I called this number, I was notified that my claim was denied as I had a mobile wallet. I gave the XXXX to the fraud dept to help with investigation - but it was not reviewed. I am not sure how these charges were made, but if it was through a mobile wallet, I can assure you I DID NOT MAKE THIS PURCHASE. Perhaps someone used my card on their phone? My uber account also does not have these charges in them. I reopened the charge on XX/XX/XXXX, called back to check status on XX/XX/XXXX and was given an email to send evidence to. I sent evidence to the email Citi provided on XX/XX/XXXX. I called back XX/XX/XXXX to check status but was told the dispute was still closed. I went to the CitiBank branch XX/XX/XXXX as well and was still unable to resolve it. have tried many times to resolve it. None of my evidence was reviewed and I have not seen an uber reciept so I can't even fight it with XXXX. I did not make these charges.

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 2022-01-04 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: LEXISNEXIS
State: TX

Complaint narrative:
LEXISNEXIS has yet again reported inaccurate information under the motor vehicle section of my consumer report. Case # XXXX has absolutely NOTHING to do with my driving record. This case should NOT be reporting under my motor vehicle section. I literally just had XXXX other case 's removed not even XXXX weeks ago ( XXXX and XXXX ) these XXXX cases were removed for the exact same reason that I'm submitting this complaint/dispute today. This XXXX case # is also inaccurate because I've always had license and was NEVER pulled over without them. I also live in Texas not in Ohio. I think LexisNexis is mixing up my consumer file. 

If both case 's under case # XXXX XXXX XXXX XXXX ... XXXX Case # XXXX Lane Control Signals are not revised and deleted from my consumer report I'll sue for the max amount and enforce my rights under the FRCA. I'll include my Texas Driver 's License solely for the purpose of verifying my identity. I've also attached the incorrect and misreporting from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: OPORTUN FINANCIAL CORPORATION
State: KY

Complaint narrative:
I payed off my credit card with oportun and closed the account and they keep harrasing me about a payment, i dont owe them anything. Ive asked the to stop they keep sending me a bill its always more every time. Oportun is a XXXX  company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 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: AL

Complaint narrative:
According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, XXXX and Equifax have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account.

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery was calling my phone number several times a day, every single day for months and the messages left on my voicemail were for a person that does not have this number. I do not have any details about the debt because it isn't my debt. XX/XX/XXXX I sent an email and mailed a letter to Portfolio Recovery requesting they stop calling my number for the debt of another person. I received a reply from Portfolio Recovery by email apologizing and saying the phone calls will stop. The phone calls stopped until tonight, I have received another phone call from Portfolio Recovery on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Behind on a payment that is now 22 days late.. since Monday XX/XX/2021 I have received 27 calls. I called months ago about help with this balance and credit card that was accumulated over the period of the pandemic as my job suffered greatly not being able to travel and companies not wanting to spend money for fire life safety. They told me on the phone when I called customer service, there was nothing they could do to help!. They had no programs or anything, then asked if there was anything else they could assist me with. Thats why I am very dissatisfied with this company.As soon as I can pay this credit card off, I will be canceling this XXXX card and never doing business with Citi again XXXX 

When I did answer a phone call from Citi bank, it immediately hung up. They called again and I answered, it just hung up. Looking/listening to the voicemail, it was an automated phone service. This is why I feel Citi bank is violating the harassment/abuse federal laws.

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 2022-01-04 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: VA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.

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 2022-01-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.

Company response to consumer: Closed with explanation