vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2021 I attempted to assist my Niece with obtaining an Apt in XXXX, NY. I was told I needed to submit {$100.00} to XXXX XXXX XXXX, Real Estate Manager, ( via XXXX XXXX in order to receive an application for the Apt . I proceeded to submit the money to XXXX XXXX via XXXX using the email address he provided to me. I never received the application nor my money back when I requested it. The next day ( XX/XX/2021 ) {$1500.00} had been taken out of my acct via XXXX by XXXX XXXX for the first Month rent. I contacted XXXX XXXX to report this and demand a return of the funds and was told to submit {$250.00} for a refund which I did on XX/XX/2021. On XX/XX/2021 {$1200.00} was taken out of my acct by XXXX XXXX for the remainder of the first Month rent. I realized there was no Real Estate Agency and apparently these were fraudulent transactions. I immediately contacted JP Morgan Chase Bank Fraud Dept to report the activity and to change my acct information in an attempt to try and get some or all of my money back. I was told by ( I did not get the name of the individual I spoke to ) because the transaction took place via XXXX there was nothing they could do to get back the money I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I contacted XXXX  XXXX XXXX XXXX ( original creditor : Speedy Cash XXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, US BKPT CT XXXX  XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP XXXX  # XXXX has violated my rights. 
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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I woke up in XX/XX/XXXX to a text asking about charges and I replied no. I looked into my bank and I saw all the charges, 18 totaling {$830.00}. I immediately cancelled my card and called chime to dispute. Chime responded via email that the charges werent fraudulent. Ive sent the police report, photo of text messages, everything and they still say not fraudulent. I have done all I know to do to get help and am getting no where. I have recorded all conversations with chime representatives, and notified them of the recording. All 4 representatives stated the charges looked fraudulent because they were originated in another country than the one I reside in. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo said they were going to send my files to the Financial department, but I have not heard from them. Wells Fargo Bank ( WFB ) froze my account, then closed it. Simply because I asked the teller, was a check sent to me in the mail for a job, any good? It is my belief that I was one of the persons on their fraudulent list of Names that salespeople obtained from the Department of Children and Families in XXXX Florida. We were not WFB customers, so the bank Manager approached me to open an account, then it was closed for suspected fraud 5 weeks later. This was done to close out all the misuse of fraud, and identity theft, and to falsify banks ' records. Once I was in their system and then set up as suspected fraud done without my knowledge, the computer system now identifies me as fraudulent Actions committed even by the salesperson. Then they dismiss me and anything I was being used for, and my credit ratings dropped, and I was made unhoused in the year beginning of XXXX and then again in XXXX. They used my sensitive personal information and identity. WFB has voided everything on their computers and with the credit bureaus except the dropping of the credit scores. I have enclosed documents to clarify the roots of the fraud committed by WFB salespeople.

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 2022-10-03 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: Foreman Financial Inc.
State: CA

Complaint narrative:
Hi I received a truck loan from this company in XXXX this company reported that I received the loan in XXXX. I did not sign any documents or contracts with this company in XXXX I surrendered the vehicle theyre showing a repossession on my credit and they continue to update my file on purpose lowering my credit score. The companies name is Forman financial in XXXX XXXX California. I submitted a complaint with the credit bureaus they said the information is correct its not correct. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.

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 2022-10-03 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:
I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.

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 2022-10-03 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: NE

Complaint narrative:
I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.

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 2022-10-03 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: NE

Complaint narrative:
I am asking with humility to please remove the late payment on my credit report. Had it not been for XXXX, I would be in full satisfactory standing. I am asking for a goodwill request as I am suffering from this late payment. Please help by removing the late payment.

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 2022-10-03 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: MD

Complaint narrative:
When I went to apply for one credit application for a vehicle my credit was ran more than several times, Ive attempted to dispute and fix and nothing has helped. The dealership itself said there is nothing that they can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Self Financial Inc.
State: NC

Complaint narrative:
They are reporting missed and or late payments This is inaccurate reporting and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: FL

Complaint narrative:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 XXXXXXXX As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2022-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied for a HELOC on XX/XX/2022 with Navy Federal Credit Union, and as soon as I was assigned a loan officer, I emailed to explain that I did not have income showing on my tax returns over the last two years due to Covid and family trauma ( I chose not to work because I was in the position to do that ), but my income ( direct deposits into my NFCU account ) from my company this year was over six figures because I went back to work. I was assured my year to date income would be considered, but after paying {$510.00} for an appraisal on XX/XX/XXXX, and after waiting 2 months since application, they sent me a denial today, XX/XX/XXXX, saying my income was insufficient because they based it solely on my last 2 years tax returns and did not even collect the information for my year to date income. I asked from the start if this would be an issue, and I have saved the emails I sent from early XXXX regarding this. I also had enough cash in my NFCU accounts to pay the full HELOC amount 3 times over, which I did not put to use on other opportunities because the advised me not to make any other investments with these funds during the HELOC processing ( steep opportunity cost here ). They did not even call or offer a lower HELOC amount, they just sent a denial letter on XXXX. After 25 years with NFCU, I'm taking my business elsewhere because I got such a run around with this, and now rates are higher so it's not worth it for me to apply somewhere else. In addition, my credit has dropped down from XXXX because of the hard credit pulls from NFCU. They are relying on technology to do the work that they need to have actual humans doing because if there were responses and real communication during this process, some kind of alternative could have likely been reached. NFCU is now unresponsive. The bottom line is that despite my full disclosure of my income situation, NFCU did not verify anything with my income before having me pay for an appraisal. I obviously would not have wasted my money if I had any idea that there was in fact an issue with everything I disclosed as soon as I was assigned a loan officer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This my final attempt I have provided proof of my location and address to these debt collectors and they continue to cause hardship on my life during a very hard time. Bi not only federal law but New Yorks state law I must be given 30 notice before any negative marking on my credit to challnage the debt. I was never awarded that right.. not once have u shown me method of payment. Or any binding contract besides my name and a number when I have requested proof.. 
If you look at people of New York vs XXXX XXXX  it states case : XXXX XXXX. Thats the year of arrest convicted and sentenced XXXX XXXX all these investigation are comducted bi people of there own company and next I am filling a complaint with the attorney general of New York.. which is very scripting with there laws.. I have tried to provide proof and they leave me no choice my credit is constantly being denied because of there unlawful and unethical tactics the law is the law. Look at the dates of there letters XXXX, XXXX and so on I am clearly showing u case law public record of me being XXXX  XXXX  so who ever u was talking too was not me. XXXX XXXX XXXX doesnt even exist so how could u possible collecting a debt from them and valid date it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check for {$3000.00} on XXXX XXXX, the same date the check was made out for. The check was from the school district I am employed by, who also uses JPMorgan Chase Bank.The next day, I was notified that a hold had been placed on my deposit until XX/XX/2022. I went into the branch with the check to figure out why I was having this issue, and was directed to the customer service line specifically for removing holds placed on deposited checks. They notified me that the funds were not made available by the payor of the check. I contacted my employer today, XX/XX/2022 and was told that the funds were available. She called Chase bank and they confirmed this. After my employer notified me of what Chase told her, I called Chase again. I was given the same information, the funds were not available and I would have to wait until the XXXX there was nothing else they could do even though both the payor and myself bank with Chase. After checking their website, I found that they state the longest hold placed on a check deposit should be 7 business days and that at least {$250.00} of the amount should be made available by the second business day. I feel that the misinformation I have been given and the fact that they are withholding my paycheck for 12 days warrants a complaint and would like action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I was in receipt of a notice from XXXX XXXX XXXX that they were trying to collect a debt allegedly owed to an apartment complex. My attorney, on my behalf, sent a letter to them dated XX/XX/XXXX, notifying them of the fraudulent account and urged them to cease and desist all collection activity. Fast forward to XXXX of XXXX and I discovered I was not able to rent an apartment due to this collection showing up on my credit report. I have disputed multiple times with the credit bureaus to no avail and my attorney gave every opportunity to the apartment complex and XXXX XXXX to remove/block it. To date, that has not been done. On XX/XX/XXXX my attorney, on my behalf, filed suit in small claims court against the apartment complex. Still later, that attorney has had numerous communications with the manager of XXXX XXXX, providing ALL relevant documentation and giving them the chance ( s ) to remove the reporting of this fraudulent account. As of this time, they continue to certify it to the credit bureaus despite knowing its fraud. My attorney has drafted a federal lawsuit against XXXX XXXX, which will be filed should they still fail to cease reporting. XXXX XXXX has continually violated my rights under the FCRA by failing to conduct an independent investigation and siding with the lender simply because it is financially beneficial to do so. Every attempt they have made to collect this bogus debt is another violation of the FCRA and constitutes unfair trade practices at the very least. I have included all relevant documentation/ court records for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Good Afternoon, Last year I felt a bit squeezed financially by Covid and the lack of overtime at my work so I took Bank of America up on their offer of help. I agreed to a temporary reduction of my loan. I successfully paid during the trial period. After the trial Bank of America offered me a 30 year fixed new rate. But I turned it down because I only have $ XXXX left on my loan so it was foolish to even entertain this offer. I still have $ XXXX left on my loan never missing a payment and at times paying more. But Bank of America has tacked on an extra payment of $ XXXX on to my loan after I rejected the permanent offer. They even add extra fees every month as late fees to this new amount they say I owe for missing payment during the trial. I paid what they told me to pay ever month. 4 months. I asked for help and they have hurt me not helped me. Its like I went to the mob for a loan and have to pay a vig. 

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 explanation