vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my checking account had an unauthorized withdrawal of {$3000.00} with a fake signature. I discovered the unauthorized activity and reported to Chase on XXXX. It was said the withdrawal happened in Michigan. Today is XX/XX/XXXX, more than 10 business days passed. Despite of three phone calls with Chase ( 1.5 hrs in total ) and two visits to local branch, there is still no refund of the {$3000.00}. 
The 1st line of defense of Chase needs immediate training on cooperating with the fraud activities. 
Customers should NOT wait this long for the bank 's mistake to be fixed. I no longer feel safe to keep my money in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Received email on XXXX XXXX XXXX that an account was opened at Bank of America in my name. I have tried to speak with them as I do not bank with nor is there one near me. They won't talk to me since I don't have the account number. This account was opened without my say so and I want it closed.

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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, along with their solar panels, have been attempting to make me pay for equipment that doesn't work. I had solar panels installed around XXXX and the panels have not worked correctly since installation. XXXX attempted to address the issue several times, but not that they did worked. The replaced the equipment twice, went on my roof to adjust or fix the panels, as there was water and debris, at one point, preventing the panels from working per one of their technicians. The other times, the electric company came out with XXXX to determine if the electrical equipment was syncing with the XXXX equipment per the solar panels. The electric company ( XXXX ) replaced their equipment and XXXX, supposedly, addressed their equipment, but my electric bill ( regardless of the amount of sun, as my home gets a tremendous amount of sun ) is still extremely high. XXXX verified that there was nothing coming from the panels, which is/was the reason my electric bill has remained, mostly, the same since the solar panels were installed. XXXX 's equipment is faulty and I should not be made to pay for equipment that does not work. With that, the security system stopped working properly, to include the door lock equipment, as it phased out per their technician. I was told in order to continue to receive proper services, I would have to purchase all new equipment, which would have cost over {$900.00}. I asked to have the battery holder for the door lock replaced, they sent a battery holder that didn't fit and then told me that the door lock I have phased out. To me, in order to continue to make money, XXXX 's equipment stops working after a couple of years and then customers, unless they transfer to a better servicer, are made to purchase new equipment. This is a rip off and needs to be addressed properly once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to the current court settlement & events of conflict with previous complaints filed, and Wells Fargo initially denying their fraudulent activity, they were told once again by the government to RESOLVE the WRONGDOING and as an individual who was taken advantage of by the company, to once again submit/file a complaint.

They have done the bare minimum in doing what was expected of them from between my last complaint sent in XXXX and their recent lawsuit in XXXX. 

They are aware of what little they have done and further caused conflict by their delay, as well as their inconsistency & unprofessionalism. 

Following is my original complaint in full detail once more. 

Wells Fargo is still scamming their customers. I am almost certain they use their AUTO DEPARTMENT SPECIFICALLY to get away with mishandling money. I most definitely see this a reality due to the fact the credit report I have seen the company has sent out about this auto loan I have with them CLAIMS I HAVE NOT MADE A SINGLE PAYMENT SINCE XX/XX/XXXX ( IRONICALLY THE TIME & MONTH I WAS XXXX XXXX XXXX XXXX XXXX  ). Wells Fargo does not care and have basically stolen mine & my fathers money in attempt to cover their own crooked habits. My father is a XXXX XXXX XXXX XXXX and I was a XXXX XXXX XXXX! They don't care about the efforts being made despite the consistency in trying to remain in contact and keep it SIMPLE WITH ONE INDIVIDUAL. If I do not have this issue resolved I fear I will have to file a civil lawsuit and I still am a young adult who does not have the time or finances to deal with court drama. I just want to focus on still HEALING from XXXX XXXX XXXX XXXX XXXX I could have been using the money Wells Fargo claims I have not been giving them ON THERAPY TO HELP ME COPE WITH THE XXXX. INSTEAD, they took my money, and continue to add to my issues. I will dispute this issue with XXXX as well as contact & consult with auto repossession lawyers in the area.

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 2023-01-18 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: AES/PHEAA
State: PA

Complaint narrative:
I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX . The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX. The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX  for servicing. 

Both XXXX XXXX and PHEAA  Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
A USAA representative encouraged me to add overdraft protection to my account that would be linked to a USAA credit card. I was not properly notified at that time that overdraft protection charges would be classified as cash advances. As a result, I was unaware of {$4.00} of new interest charges on my credit card account, despite a payment in full the previous month. Over 5 months, without any new charges on the account, additional interest was accrued on the {$4.00} until the total amount due exceeded a {$5.00} dollar threshold and USAA notified the credit bureaus that I was 30 days late. The damage done to my credit seems punitive and could have been avoided if USAA notified me properly, if I was not encouraged to sign up for this feature, or if I was not encouraged to opt in to paperless billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: NY

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: KEYCORP
State: VT

Complaint narrative:
On XX/XX/XXXX I wrote a check for {$2000.00} to a business from my KeyBank Personal Line of Credit. 

On XX/XX/XXXX, this check was erroneously drawn against my line of credit by KeyBank for {$3000.00}. 

I received my periodic statement reflecting this error from KeyBank on XX/XX/XXXX ( statement attached ), but only noticed this error while reviewing my financial statements on XX/XX/XXXX. 

I called KeyBank on XX/XX/XXXX and spoke to a representative regarding this error. They pulled up a scanned image of the check and confirmed that a clerical error had been made and promised that this would be corrected within 3 business days. Adding an additional day to account for the XXXX XXXX XXXX, they promised that this error would be corrected and the funds returned to my credit line by Thursday, XX/XX/XXXX. 

I did not see any correction or refund and hence called KeyBank again on XX/XX/XXXX. The representative apologized for the delay, said the error correction was still in progress, and I should see the funds returned ( at least provisionally ) by the following business day, Friday XX/XX/XXXX, and that I would receive a call back confirming this. 

Neither of these things happened neither the funds being returned ( even provisionally ) nor receiving a call back. 

I called KeyBank again on XX/XX/XXXX and informed the representative that they were in violation of CFPB regulation 1005.11 ( c ) ( 1 ) concerning the relevant time limits on confirmed error corrections ( 10-days ). The regulations do allow for 45-days in exceptional circumstances but nevertheless the bank must provisionally correct the error once acknowledged within the original 10-day period. 

KeyBank has not even provisionally corrected the error and the additional {$1000.00} erroneous charge continues to accrue interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
Upstart invited me to apply for a loan then pre-qualified me via credit soft pull for an {$11000.00} loan. My credit score was XXXX at the time with an excellent payment record. They had me upload a video promising to pay the amount I accepted back. I did record and upload the video as well as upload the verification documents, after the video was uploaded they denied the loan on a Sunday in XXXX minutes, although my record of payment with creditors is excellent. 

The only reason they denied the loan so quickly after I sent the video and Id verification is because I'm XXXX as they had no reason to renege on the loan. I have emails from them that show a change in attitude once the video was uploaded. Up until they saw my XXXX  XXXX all was good, suddenly when they saw my XXXX the loan was denied. 

They never did a hard pull, but did do a soft pull of my credit after which time they offered the loan. Then after the video was uploaded they denied the loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed as make payable to another party, XXXX XXXX. 

Seven other people were affected by the same fraud but all of them had their funds returned to them within four weeks by their banks according to information I have. 

It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. Due to honeymoon of the bride and groom, the first knowledge of the stolen checks was documented by a police report dated XX/XX/XXXX. This report was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. I was notified somewhere between XX/XX/XXXX and XX/XX/XXXX of this fraud, but no longer have the detail of when I contacted Citizens and received information on how to file the fraud claim with them. 

Citizens responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 

I have contacted the Citizens Bank fraud department listed on this letter at XXXX at least ten times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from the other bank. 

Now, in XX/XX/XXXX, it has now been 16 months and there is no promised path by Citizens Bank for resolution. 

If this were a more substantial amount, say for a rent payment, a client could be in serious trouble. 

Thank-you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX  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.

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 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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