vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX : I deposited a settlement check from a Lawyers IOLTA account for {$83000.00} and received notice that there would be a hold on the deposit XX/XX/XXXX : Contacted Chase 's Operating Loss Prevention team to work to get the hold removed. Team was able to verify with sending bank, but unable to find a " verified number '' for the lawyers office in their system. Team member confirmed that they could see the law office online, but could ONLY call numbers that show up in their system. 

XX/XX/XXXX : I offered to provide filed court documents that were signed by the lawyer, and includes the check amount. And also pointed out that Chase had already processed a check from the same law office on XX/XX/XXXX. I was told that the only way they can remove the hold is if they can contact the maker via a " verified number '' from their system. 

XX/XX/XXXX : I submitted a secure message in the banking portal that explains the problem and includes the court filed documents I mentioned above. 

XX/XX/XXXX : I received the following response : " Please be advised that because of the Covid-19 pandemic, your hold time may be longer than usual. Currently, we are receiving a heavier call volume being managed by a skeletal workforce. We kindly ask for your patience and understanding. '' XX/XX/XXXX : XXXX business days have passed and none of the deposited funds have been made available to me. I am wasting money living in a hotel when there are some very easy, and common sense, ways the " risk '' they mention can be mitigated and the hold can be removed. 

Citing a " skeletal workforce '' for such an important part of their business is just poor management in my opinion. While the hold expires the XXXX, the fact that none of the funds have been made available to me when I have had an account in good standing for over a decade, and they have already verified the funds cleared the host bank, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, Trans Union and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.

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 2022-02-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax, XXXX XXXX and XXXX are reporting my XXXX XXXX XXXX  mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX, XXXX XXXX and Experian are reporting my XXXX XXXX XXXX mortgage to be current, but showing a negative amount. The mortgage was in forbearance during pandemic. The lender, XXXX  XXXX XXXX offered to place the amount due at the end of the loan. This negative balance is negatively effecting my credit score, and preventing me from securing a new mortgage. I argue that XXXX  XXXX XXXX is in violation of the CARES Mortgage Forbearance Act while not not allow lenders to adversely report mortgages as negative while in forbearance.

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 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
1. crypto.com advertises a visa debit card with perks- costs {$4000.00} worth of their native cryptocurrency coin 'CRO ' 2. CRO needs to be locked up or 'staked ' for XXXX months to qualify for the card 3. I purchased CRO, and staked it 4. Attempted to get my card delivered, but my former address was in their system 5. Over a XXXX time span, I attempted several times ( probably over XXXX ) to get my address changed in their system so I could get the card delivered. 
6. Customer service told me they would take action, never did. Over the XXXX months, my CRO is still locked ( staked ), and I can not cancel or do anything to get out of the situation. 
7. CRO loses about {$600.00} in value and still declining. Still, I have no card and not receiving what I paid for. 
8. I took my complaints to social media, and within days I was informed that " We recently performed a review of your account and found that it does not meet our requirements for user conduct, as outlined in our Terms and Conditions. '' I was told to remove all funds from their platform ( even though they were locked and couldn't be moved ). 
9. Support unlocked the funds in a few days, I had my funds transferred at more loss. It costs several XXXX dollars to move and convert these cryptocurrencies. 
10. CRO locked up my funds in their CRO token, as they do others, which artificially inflates its value, leaving people no choice but to invest in their coin for a false promise of a debit card. 
11. There are other issues with their service that are sketchy. Happy to share more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, My name is XXXX XXXX. On XXXX XXXX XXXX dollars was stole from my XXXX XXXX debit card and XXXX on the XXXX of XX/XX/XXXX. I called Bank of America Within XXXX hrs of the XXXX being stole. I had went to the ATM on the XXXX to withdraw money And thats when I found the money was gone. I immediately contacted the bank who then Issued me a a new card and their help stopped there. I immediately filed a police report on XX/XX/XXXX. On the XXXX of XXXX after being denied I sent them everything they ask for to DISPUTE their action. I faxed everything they needed on the XXXX of XXXX from XXXX XXXX XXXX here in XXXX, XXXX. They tried to say it was the XXXX but their XXXX Didnt realize the date and time of day and what day are on the fax. I have proof. Anyway, today is XXXX the XXXX XXXX and they have done absolutely NOTHING. I have kept detailed Information on every call Ive made and what Ive done to resolve this matter. They have 45 Days to resolve a transaction Dispute. They clearly are doing nothing. Im not that good at Math but its been 52 days from the XXXX of XXXX if you go by their numbers 58 days is The right number because Thats the day I disputed and thats when I faxed the information They wanted. I HAVE PROOF! They see it to the Date time of day is on the fax. They choose To not do the right thing. They are doing the same thing to XXXX XXXX XXXX Debit card users as they got in trouble for in XXXX Anyway thanks for your time, My name Is XXXX XXXX my claim # XXXX for Bank of America. Im starting a XXXX XXXX to address the actions of Bank of America. Im not alone!! My number is 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 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new account with Regions. 
I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.

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 2022-02-17 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: NC

Complaint narrative:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : 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 2022-02-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : 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 2022-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I recently mailed a certified letter to Hyundai motor finance concerning a charge off reporting on my consumer report. Hyundai motor finance is reporting inaccurate info. I am heartbroken that you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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. 
Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Cancelled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says Hyundai Finance you are a furnishing information to a consumer reporting agency.

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 2022-02-17 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. I sent letters to Equifax Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Equifax, the inaccurate information about my accounts is still on my reports. Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my consumer report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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