vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My partner and I own a small primary care practice named XXXX XXXX In XX/XX/2022, XXXX of our business checks ( sent for a business office lease payment ) was stolen from the mail. The check was altered, with the payee and amount fraudulently changed, and then electronically deposited into the fraudulent payees account. The original check was made out to XXXX XXXX XXXX in the amount of {$2800.00}. The cashed check was made out to an individual ( unknown to us ) in the amount of {$9200.00}. After the check was deposited, I noticed this large debit of {$9200.00} from our business account and went right away to the local Chase Bank branch. The manager was very helpful and assisted me in filing a claim. The claim documents were faxed directly from the branch, including the claim report and a copy of the original check as well as the altered fraudulent check. I was told that since I reported the incident within 24 hours of the check being deposited, that the amount might be restored to our business account within 24 to 48 hours. Unfortunately, this was wrong information and I was later told that it could take 60 to 90 days. This caused us great distress, as we had to take out a small business loan just to make payroll one week. Our employees received their paychecks 2 days later than expected, causing them distress as well. The fraudulent check had wiped out our reserve funds which we sometimes need to make payroll. After filing the claim with Chase, I also attempted to enlist the help of XXXX XXXX. Since I am not a customer there, however, they would not speak with me regarding the fraudulent check, ( even though it was partially their error in not verifying the check information prior to deducting the funds from our account ). I also filed a report with the XXXX XXXX XXXX. The XXXX was extremely helpful in tracking down the details of the fraudulent check and even found the person responsible. I submitted the officers very detailed report to Chase Bank in XX/XX/2022. I have made repeated follow up phone calls to Chase asking when the funds will be restored to our account. Each time, I am told that they are waiting for information from XXXX XXXX and that stolen check cases tend to take a long time to resolve because the bank has to conduct our own investigation. I can not believe that it has been almost 8 months and the {$9200.00} stolen from our account has not been returned. No one from Chase or XXXX XXXX has reached out to us to update us on the matter. Any time I want information, I have to call them, and each time I call, I am told the same thing that they are waiting on more information. I dont understand how this can happen as they have a copy of the police report clearly showing that this was a fraudulent check and indicating exactly who did it and where and how. Can you please help resolve this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I became ill and was hospitalized, I requested a modification and never received one, there was a sale scheduled, and I was advised to file XXXX XXXX XXXX, and usually they will agree to a modification. That didn't happen. I find myself XXXX and am still trying to get a modification. They continue to ask for more recently dated documents, but there has been no movement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Self Financial Inc.
State: MD

Complaint narrative:
XXXX should not have charged my account again on XX/XX/2023 for {$150.00}. The charge was not my charge and needs to be reversed again. The attached will show when the fraudulent charge was made on XX/XX/2023, as XXXX  called me to inform me that the card was used fraudulently and they disputed the charge, cancelled my old card and sent me a new card. Please address this issue asap. This is a travesty of justice. I dont use XXXX and they werent authorized to charge my card through XXXX XXXX XXXX, as I disputed with them as well, addressed the issue, but XXXX still charged me. Please address soonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I was incorrectly charged fees of different kinds by Wells Fargo when I had an account with them between 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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reached out to the bureaus about my XXXX card account. I was a victim of identity theft and fraud and due to this I had erroneous charges on my XXXX  card. XXXX did in fact find theses charges to be fraudulent and reversed all the late payments due to the fraud see attached proof. As well as it is still marked late 30 days in oct 60 days in XXXX and 90 days in XXXX days late on these days on my credit file.and I have proof of theese charges being reversed. So there should be no reason my report still is showing this negative information. 
But account states paid as 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 non-monetary relief
Consumer complaint received 2023-02-09 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: VT

Complaint narrative:
In accordance with the fair Credit Reporting act, The List of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antidates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a letter from Comenity Bank stating " Please call us to finish processing your XXXX XXXX card credit card account application. '' and I never opened a credit card for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
My first mortgage loan is currently being serviced by Shellpoint ( SP ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SP is refusing to offer loss mitigation assistance or process a loan modification. The mortgage is a government backed loan ( XXXX XXXX ), so the entire delinquent amount should be moved to the back end of the loan. SP has also refused to apply the Covid 19 payment deferral program. This program calls for recapitalization of all past due payments and deferral of all past due payments until the loan is sold. SP has refused to underwrite for this option, although they were notified many times of the intent. The CARES Act provides a mortgage payment forbearance option for all borrowers who, either directly or indirectly, suffer a financial hardship due to the novel coronavirus ( COVID-19 ) national emergency. a hardship. This relief is available to anyone who has a federally-backed mortgage, regardless of delinquency status. SP is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB XXXX. I am seeking assistance on this matter, since I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Equifax ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

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 2023-02-09 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: CA

Complaint narrative:
XXXX and Experian continues to furnish incorrect and unauthorized information about me without my consent. My attempts to have this account removed/ deleted due to the inaccuracy that is inequitably furnished by your organization on my XXXX Report has been ignored and or pacified. I filed a report on the CFPB portal with XXXX and Experian on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I am attaching a copy of a consumer report dated XXXX that was furnished by XXXX. This report shows XXXX financials reports made to XXXX. The reports show the account in question being reported completely different from what it is now reporting. The balance shows {$0.00} and paid in full/ paying as agreed in XX/XX/XXXX. XXXX and Experian continue to furnish reports that is consistently changing. Charge off dates constantly changing and contradicting on a monthly basis. XXXX XXXX is furnishing fraudulent documents, dates and information that is consistently changing. 

I am also attaching a consumer report dated XXXX that shows a whole new set of dates and information furnished by XXXX and reported by XXXX XXXX Experian on my consumer report. 

I request you immediately remove XXXX from my consumer report. I have informed you of the inaccurate reporting and have furnished multiple documents furnished by you ( XXXX Experian ) that shows the contradiction and various reports that are inaccurate and inconsistent. If this account continues to be to be validated and furnished I will be forced to take this matter to court and include XXXX / Experian in the lawsuit.

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 2023-02-09 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: NC

Complaint narrative:
Trans Union release my consumer report without permissible purpose. Creating hard inquiries 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays of Delaware mailed me a credit card rejection letter. I hadn't applied for any credit card products. There is no phone number listed on the letter received. I searched for an XXXX number to inquire about the denial and the representative gave me a XXXX number to call. Unfortunately I don't have international options with my current phone plan. 

I asked if there was a fraud department I could speak with, the representative was not helpful at all. This company does not take fraud seriously and doesn't verify applicant information prior to running an application.

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 2023-02-09 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: TX

Complaint narrative:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

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 2023-02-09 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: TX

Complaint narrative:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Your categories dont really fit my message. 
Im writing to let you know that yesterday I received a multi-page letter from the IRS regarding my last 2 yrs. of tax returns. I havent filed returns in many yrs. My building is supportive living where they take your social security & leave you with $ XXXX, depending on whether u pay for cable or phone. Also, I am a XXXX XXXX XXXX. old with multiple very serious health issues. 
Today I called the IRS & they said it is a case of my identity being stolen. 
In reading reviews of Fifth Third Bank former employees some made reference to their belief that employees of Fifth Third are illegally tampering with customers accounts. Now it could be someone else. I never click on a scam or phishing email so I cant be sure but if I had to make a guess, considering they have changed their tune many times in response to me & also dont seem to understand much of anything ( & dont care ), I have to be suspicious of them. I havent lost anything but the fact my identity is stolen is disturbing enough. 
Answers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, 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 I never authorized any of these credit inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NC

Complaint narrative:
Recently I went on to a couple car sites and used their prequalified method to see if a Vehicle I like what my rates would be. Long story short these people have shopped my report to Multiple places and now people are calling me to purchase a car. This is violation or my credit report and personal information being shopped to vendors without my consent nor knowledge. Please delete the state inquiries below, XXXXXXXX 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  XX/XX/XXXX I never authorized any of these credit inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation