vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I began the process with JP Morgan Chase on XX/XX/XXXX. During this process they required almost {$12000.00} in repairs and then stated it was the XXXX requiring this, not the underwriters of Chase. The requirements were by JP Morgan Chase. They repeatedly asked me to provide and contact the appraiser for the appraisal, which they can not do as the appraiser can only communicate with Chase as a third party source.I also was asked multiple times for a divorce decree to which I have never been married or owned the home with any other adult. I used my HELOC account to pay for the repairs and then had an change of increased interest rate. I submitted all forms required on the first of XXXX and was then told the week of XX/XX/XXXX they needed every XXXX from XXXX and XXXX. I submitted my XXXX 's from the IRS website and they stated they would not accept any documents from the IRS and I needed each XXXX from each employer. I also sent receipts of payments for the work required by the underwriters of Chase and they would not accept them as proof of the work completed. They also did not accept the reappraisal that included photographic evidence the work was complete. They needed a statement from XXXX Bank showing payment to the company listed. XXXX Bank will not give me a statement with proof of payment until the next statement date of XX/XX/XXXX. They stated they can not provide a history of payments made between the date of the last statement of XX/XX/XXXX until the next statement date of XX/XX/XXXX. Each week I am asked to provide further documentation of employment, income, legal documents on the custody of my child, utility bills from a year ago, etc. I have repeatedly asked to please review what has been submitted and let me know what is missing as for every week for 7 weeks I am spending significant time provide proof of owning my home ( JP Morgan Chase holds the current mortgage ), proof of purchases, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-09-27 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: DE

Complaint narrative:
I have called multiple times and made multiple disputes I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights ACCOUNT NUMBERS : XXXX, XXXX ALL XXXX ACCOUNTS

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 2022-09-27 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: CO

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 





15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I was a victim of " phishing. '' On XX/XX/XXXX I received a text message from a Citibank impersonator, and I thought it was from Citibank. I clicked on the text message and logged on to what I thought was the Citibank website. The next day I found that {$49000.00} was wired out of my savings account ( 2 wire transfers ). On XX/XX/XXXX I filed 2 Citibank claims for unauthorized wiring of funds. After 90 days I received a letter from Citibank saying that my claim was denied ( reason : " the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' ) I phoned Citibank and they said that I could appeal, but they did not ask me to fill out an appeal form, or even ask why I was appealing the decision. A couple of weeks later they sent a memo that stated No new information was received or discovered that would change the denial decision. I've had an account with Citibank since XXXX and nothing like this has ever happened before. When I logged on to the fake Citibank website ( XX/XX/XXXX ), I didnt know that I was giving the scammer my password that is why it was a scam and I was the victim. Citibank knows the bank ( s ) that received the wire transfers and the names associated with those accounts. 

I filed a report with the local police department. I dont know what else to do.

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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MN

Complaint narrative:
These medical debt collections accounts are fraudulent and continue to be show on my credit reports over and over again after being removed XX/XX/2022. 

AVANTE ACCT # XXXX {$800.00} AVANTE ACCT # XXXX {$480.00} XXXX, XXXX and XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 XXXX XXXX XXXX acct XXXX amount {$800.00} removed XX/XX/2022 after dispute however purchased by new company Avante XXXX amount {$800.00} and added back to credit report as XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased this vehicle on XX/XX/2022. I have never been late. Wells Fargo has me down as XXXXXXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and 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 explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern, I have excellent credit, and never had a banking issue in over 30 years of banking. I have a perfect banking record. I have been with the same credit union for over thirty years. My problems began when I opened a new banking account with Bank of America. The next I know Bank of America closed my checking and savings account and would not give me a reason why. I had {$5700.00} in my checking account and {$1000.00} in my savings account. In addition, they reported me to the XXXX XXXX and XXXX XXXX XXXX. I called them several times for an explanation. They stated they do not need to give me one. I stated I want my hard-earned money returned. They stated they would send two cashier 's checks, one for my saving 's account and one for my checking account. They stated the checks would be there in 10 days upon the closing of my accounts, which occurred on XXXX/XXXX/2022. I have not received those checks. I called Bank of America again about my money. They changed their story, and are now saying my money is under review, with no time line for when they would be done with the review or returning my money. This incident has been very unfair, and has made me loose trust in the " big Bank '' banking system. 
I hope you can help? 
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 monetary relief
Consumer complaint received 2022-09-27 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX XXXX  XXXX  ACCOUNT XXXX, XXXX, XXXX, XXXX, XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX COLLECTIONS, XXXX XXXX XXXX, BLOOMINGDALES, XXXX, XXXX, XXXX. Thank you

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
IRS confirmed my refund was sent on XX/XX/XXXX, but is still not showing in account, I called in XXXX and spoke representive who verified my routing and account numbers were correct. I had a ticket opened and the result was they have not received the refund and as soon as they receive it, they will post to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: Block, Inc.
State: CA

Complaint narrative:
My information got stolen and card as well. There are multiple fraudulent activity on my account I realized. So I told cash app my debit card that it was fraudulent activity that I didnt authorize it. They didnt do anything or resolved the issue. My money is gone for something that isnt my fault. The bank is supposed to protect me not give me a hard time!! please help me its stressful I got to pay bills. Be in my shoes. How is it my fault? I thought we are protected from fraud! This is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Indigo Credit Card. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So indigo was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
XXXX XXXX acct # XXXX amount {$220.00} was removed from my credit report in XX/XX/2022 after I hired an attorney to validate, pay off and clear up in valid debt that needed to be clear, this account was disputed and removed due to FRAUD XX/XX/2022 of this year. As of XX/XX/2022 this account was sold to LVNV FUNDING LLC Acct # XXXX {$220.00} and added back to my credit report. This account is fraud. I've never done any type of business with any of these companies and I don't owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-09-27 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: MD

Complaint narrative:
Hi I am submitting this 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 719XXXX has me at a score around 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I found {$13000.00} of fraudulent charges on my credit card account. I contacted Bank of America and a new credit card was issued, but the fraudulent charges are still on my credit card account. I also contacted the merchants involved, and they provided me the information for the perpetrator, XXXX XXXX. The perpetrator obtained the information of my credit card and made purchases without my permission. I do not know or have any relationship with the perpetrator. 

The merchants sent me email communications used by the perpetrator, XXXX XXXX, and shipping agent, XXXX XXXX, to commit the fraud. The perpetrator details attained from the merchants were provided to Bank of America. Given that the perpetrator 's shipping address is in XXXX, a foreign county, I urgently need your help to stop the perpetrator 's scams and fraud. Your help on the matter is greatly appreciated.

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