vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX in XXXX. As an independent XXXX, I filed my taxes every year which includes a Schedule C, which reports my profits and losses. Under the Cares Act, enacted by the Federal government in response to the COVID 19 Pandemic, Congress created various programs to help small businesses through out the country, which included the SBA EIDL. Independent contractors are among those eligible for these programs including the EIDL. As I am eligible I applied for the EIDL and was approved by the Small Business Administration, the government agency responsible for administering and approving and declining applications. I received a loan amount of {$29000.00} in XXXXXXXX XXXX 2021 to be deposited into my Chase account. According to the SBA, the type of bank account did not matter to get this money. However, Chase closed my account and sent my money to the Secret Service as if I am some criminal. The real issue is that Chase decided to reject my application as if they were responsible for administering Federal money, and did not give me a chance to open a business bank account to get the money that I am owed as an eligible applicant to EIDL. Chase also did not even send this money back to the SBA so I can have a change to get back this money. They sent it to the Secret Service that has nothing to do with SBA or the Cares Act and cast suspicions and have treated me like I did something wrong or committed a crime. I believe the actions that Chase has committed in denying a much needed loan and then treating me like a criminal must be investigated. I know of other hard working drivers who were also treated the same way by Chase, which shows a trend of discrimination against XXXX XXXX XXXX XXXX XXXX. This is why Chase must be investigated. Did they only do this for people like me? Did they treat others the same way? How many hard working people were left without any help even though they were eligible and approved by the federal government due to Chase Bank 's discriminatory actions. Chase Bank must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-07 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: CA

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 2023-03-07 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: IN

Complaint narrative:
I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was incarcerated have contacted and sent proper documents to XXXX XXXX XXXX they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.

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 2023-03-07 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: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was XXXX  have contacted and sent proper documents to Penfed Credit Union they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.

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 2023-03-07 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: FL

Complaint narrative:
I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.

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 2023-03-07 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: FL

Complaint narrative:
I purchased the vehicle in 2017 my first time buying a car and I was paying on time every month until I had family problems witch led to me to move states. I contacted the company several times to see if they can lower my payments or work with me but they refused and also they harassed me with phone calls at odd times of the day. I ended up surrendering the vehicle back to them witch led me to be unemployed due to not having transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: AK

Complaint narrative:
Williams & Fudge repeatedly calls me after I've asked them to stop calling with different numbers in an attempt to contact me. They deny my request by continuously calling every day multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OZK
State: GA

Complaint narrative:
My mortgage payment along with the escrow account are automatically deducted on the first of every month from my bank account. Thus, my payments have never been late. I received a notice of a lien for my 2022 taxes in XXXX of 2023. My property taxes have not been paid for last year even though I have contributed to the escrow account every single month in good faith that the taxes would be paid. I feel as if the bank has committed fraud and caused me undo stress and time trying to resolve the matter. I was told that someone called the tax office to obtain the appropriate information and would pay the taxes yesterday, they were just waiting to hear from the tax office. I spoke with the tax office, and they never received a request for any information yesterday. I am under extreme duress about this situation. I have made multiple calls to the bank and I feel as if no one is offering a timely solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2023-03-07 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: FL

Complaint narrative:
I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
This is false and needs to be removed from my credit report and history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: IL

Complaint narrative:
I have been a victim of fraud and someone opened up a credit card in my name along with my personal information... I also received a letter from the credit card company stating that the account was opened in fraud and they asked the credit bureaus to remove it, but it is still showing on my credit report as a negative item, account name is ( XXXX ) .... ( TXXXX XXXX XXXX XXXXXXXX ) i will attach the letter from the company.

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 2023-03-07 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Fradulent items on my credit report. 

XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Phone number ( XXXX ) XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXAccount number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX -Account number XXXX -Date opened XX/XX/XXXX Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( 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 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
We have attempted 8 times to resolve a payment issue with Flagstar Bank. The problem is the bank keeps taking funds out of a XXXX bank account that is not supposed to be used for payments. We switched to a XXXX bank account for our automatic monthly payment, but Flagstar continues to use XXXX bank, causing overdraft fees, etc. We have a newborn baby and do not have the time to speak with Flagstar Bank over and over again, each time they promise the issue is fixed, each time the problem remains. We have spoke with management and the customer service representatives have been documenting all of this.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have several accounts with Chase and have an external checking account linked to my Chase checking account. I verified the external checking account with Chase and have been transferring funds with no issues for months. I initialed a transfer on the Chase platform from the external account to my Chase checking account. I then received a call that the transfer was rejected. No explanation was provided. No new policy was given and I was simply hung up on. After being hung up on several times and transferred several times, all I was told was that Chase would no longer allow transfers from external accounts. That there was a policy, but that they couldn't tell me what the new policy was, when it was enacted, why I was not given notification, or anything about said policy. They have continually held my transfers for long periods of time and now will not let me even use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint/New Penn Financial is suing me for foreclosure and saying they own my mortgage and my note- they do not state that they are suing on behalf of XXXX XXXX as they have previously stated here that they are mere servicers for XXXX XXXX XXXX Which is it? In this forum they say the have responded to my complaint saying they are only servicing my loan yet in Supreme Court of the State of New York XXXX XXXX they say they own my note and mortgage and it was delivered by collateral possession. Someone committed a crime here and it wasn't me yet I have continued to be harmed and I continue to suffer and the CFPB which is supposed to protect me has done nothing. This is my 4th and final attempt to get you to do something - I will be including this agency in my next lawsuit which will be filed in Federal court. Also enclosing a copy to the OCC and the FTC. Shellpoint sued me XX/XX/2015 and as of this date they have yet to be awarded summary judgement or possession. If they have not been able to prove their case in 8 years then there is probably a good reason- and I would call it fraud. THEY ARE DEBT COLLECTORS and therefore should not be initiating cases in County Court nor should they be filing false documents with the County Clerk as they did with two fabricated mortgage assignments stating FOR VALUE RECEIVED and trying to lead the court to believe they are the owner of the note all while telling you they aren't. I would like a straight answer from them- are they the owner of my note and mortgage or is XXXX XXXX - and if the answer is again XXXX XXXX then I would like an answer as to why they are suing me for summary judgment on behalf of themselves and not XXXX XXXX. I have already uploaded the summons and complaint but I will do so again so someone can explain to me why the true owner is concealed or am I supposed to believe it is New Penn Financial. I AM DEMANDING TRANSPARENCY and all i get is concealment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
GM FINANCIAL LEASING ACCOUNT # XXXX RE : XXXX XXXX XXXX  XXXX XXXX LEASE My father, XXXX XXXX, passed away XXXX. He did not have a will, a trust or any other type of estate planning in place. I sent GM Financial his death certificate several times by fax or e-mail until they finally marked his account as deceased. I attached a cover letter showing my intent to buy the car once the account had been properly notated as deceased. My cover letter stated clearly I had been working with the dealership. 

Before the account was notated I had received phone calls and requests from customer service when I called to pay the account current. I refused to do that since I am not on the lease and did not trust them due to the problems they had in marking the account deceased. 
They offered and assured me that if I brought the account current I could assume the lease with no problem and bypass the dealership. The monthly payment was {$170.00} and the mileage is XXXX  miles. The only thing was that I make the payment, wait for it to post and then call back to the lease assumption department at XXXX. I called and talked to XXXX and XXXX and was told that I could not assume the lease since there was no will or trust set up for my father prior to his death. 

After going back and forth and challenging as to why I was told I could assume the lease with payment I asked for my money back. They told me to get an attorney if I wanted my money back. 

The payment I made of {$530.00} was stolen outright from me by the lies and promise that I would be able to take over the lease. I never at any time signed a contract with them and was not on the lease. It was beyond deceitful and deceptive that they got their account current and did not care who they got the money from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a certified form for my annual credit. The tracking showed that it was delivered on XX/XX/XXXX XXXX XXXX. Your website and all the webstie says to talk to a live person call XXXX XXXX XXXX There is no way to talk to a live person at annual credit report. Please investigate. and provide a real contact phone number to talk to someone in person. Every year i get a hard mailed copy of my credit reports. but now they are making it difficult to get a mailed hard copy. Let me repeat the number that is listed everywhere to talk to a live person is not correct. no prompts to talk to a live person. so the website is false information!!!!

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 2023-03-07 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On my credit report under inquires shows Speedy cash/curo and I don't even have a account with y'all guys but it shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Initially, my issue was that XXXX did not post my payment after the policy cancellation. I can not do anything about that now, I looked back at my statements, and my check did not debit from my account, so I am unaware of where this payment went. I since paid it to XXXX when I was alerted to this fiasco. 

I previously corresponded with his company via my complaint through the XXXX. CCS ignored my statements in my complaint. They say they mailed me, yet I have not received any mail and only received notification of this collection via credit karma. How can I prove this company 's mail did not arrive to me? Why would I ignore a threatening collection if I have been working for YEARS to repair my credit? 

This account should have never been in collections! This situation is so completely maddening. Please, in good faith, remove this from my reports. I never received notifications, which alone is a violation, and this should have never been in the hands of this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: TX

Complaint narrative:
companies have not reapplied within 30 days its been over a year, also they will not send verification of the debt.

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