vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Good afternoon! In XXXX of XXXX I took out a vehicle loan with BMW Financial Services. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on BMW Financial Service 's end as it was closing out the account. I reached out to BMW Financial Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document BMW Financial Services sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on XXXX of my XXXX reports ( XXXX ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other XXXX credit reporting bureaus were annotated correctly. I sent a dispute through XXXX. Because it had been almost XXXX years, I did not quickly have access to the correspondence with BMW Financial Services, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email BMW Financial Services sent me outlining the delinquency would be removed, and have since updated XXXX with this information. 

In the meantime, BMW Financial Services has incorrectly told XXXX the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost XXXX years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to XXXX so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted 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 2023-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I reached out to PHH mortgage services in XX/XX/2022 to get validation for the alleged amount stated on a statement sent to my homestead property. As stated under the FCRA I have the right to request this information and receive a full disclosure. I am exempt from forced sale or XXXX. PHH Mortgage Services has sent me an unjust default as well as a threat to foreclosure on my homestead property. PHH Mortgage Services has not validated or verified any information requested within the RESPA time frame. This is very unjust and wrongful PHH Mortgage Services has furnished fraudulent claims against my consumer reports. XXXX Mortgage XXXX has not responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. How could they ignore my request and place my account in default and force me to foreclose. As a protected consumer fraudulent practices are a violation under state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: OK

Complaint narrative:
Hello, I am reporting Charles Schwab for insufficient account opening requirements regard XXXX  and XXXX  that have result in several ( XXXX as of today ) bank accounts being fraudulently opened using my information. I have contacted the company twice to be told that they do not require anything beyond my ssn, XXXX, and name. On this recent contact on XX/XX/XXXX, I spoke with the security team. She advised me I could not speak to fraud or identity theft. And she confirmed no documentation was provided such as DL number or photo id. I asked for them to block further accounts being opened to which they said they could not. I continue to receive consistent statements, letters, and debt letters on the fraud accounts even after I reported it to the company. 

I do not feel that this financial institution is aligned with XXXX and XXXX  requirements regarding account opening or addressing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2022, I made a withdrawal of {$31000.00} from my XXXX XXXX XXXX account to my bank account with XXXX XXXX  XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase XXXX bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. ) ***** I already left this message earlier. an employee called me, but later I could not contact him at the number he provided ( no beeps ). I ask you to give a response to this appeal in writing to my mail ( XXXX ) or contact me at the phone number that I will indicate in this appeal. ( XXXX XXXX XXXX XXXX ). Thank you. 
*****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMCB Card XXXX hard inquiries on XX/XX/XXXX, and XX/XX/XXXX, are reported on my experian report. I spoke with a representative at JPMCB, and they recommended I report fraud. They stated they did not have any credit application history in my name. I also credit submitted a fraud dispute with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX DOB : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I instructed Chase to issue and mail a {$300.00} check to a vendor on XX/XX/2022. Chase allow a wrong company, with an entirely different name than the check was issued to, to deposit the check. Chase then debited {$300.00} from my checking account. I have spent hours on multiple calls in the last XXXX months asking Chase to correct its mistake and return my {$300.00}, but to no avail. Chase 's claim rep 's excuse was that the other bank, XXXX XXXX, has not returned the money. It was Chase 's mistake to even let the money go to a party the check was not issued to. Chase should return my money. I should not have to wait for XXXX XXXX  for the money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: FL

Complaint narrative:
A bill for {$40.00} from XXXX XXXX XXXX XXXX for a clinic visit to refill medications, Service date XX/XX/XXXX ( along with a second XXXX XX/XX/XXXX that has been billed, but not been included in the dispute for some reason by the medical group for another clinic visit for the same amount, same reason and a third one, also not included, for {$480.00} where I was double billed for an office visit ) has been in dispute from the time I received it and the medical billing office has known that. They sent this first {$40.00} charge to collections even though I now have a XXXX XXXX XXXX about it on the XXXX of this month. The collections company is unreachable by phone due to a phone system that is so bad you can't reach anyone. I made several attempts last Friday XX/XX/XXXX when I received the letter. Phone number XXXX XXXX XXXX North American Credit Services XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have constructed a letter that I will be sending tomorrow via a tracking number stating that the bill is in dispute. They need to be reachable by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes card was never used. There is no information in their computer system. It is eight year old account. It is still on all three  credit reports. It needs to be deleted off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them XXXX letters already and no response over XXXX days now and attached is my proof of my last XXXX corespondence. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX XXXX off 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 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX was taken out of my wells Fargo checking account without my knowledge or Consent. I became aware on XXXX XXXX, I immediately notified my bank, Wells Fargo XXXX department of the theft, I made the complaint and was given a case number of XXXX I was told that the money would be put back into my account writin XXXX XXXX XXXX until an investigation /resolution was made. That never happened. I received a call from a XXXX in late XXXX or early XXXX I can't remember the exact date. The agent was XXXX XXXX XXXX XXXX I called back to Wells Fargo asked for a supervisor in the fraud departmen and i made a complaint,. I was told they would be back in contact and my money would be placed back into my account. that never happened nor did I receive a denial letter or any information regarding an investigation. I've been calling for months with no resolution so on XXXX XXXX I go to wells Fargo Bank to speak with a personal XXXX named XXXX XXXX XXXX XXXX XXXX ) who called the fraud department and was told that the money should have been put back into my account but someone dropped the ball. He's relaying this to me as their telling him what happened and why I hadn't gotten my XXXX XXXX XXXX  Put back into my account and STATED to me it would be in my account with in XXXX XXXX XXXXhat never happened. I returned to the XXXX  on XXXX XXXX I agine speak with the same banker XXXX XXXX he called back to the fraud department to assist me to see what had happened. this time he and I were told that on XXXX XXXX a new case was opened with the new case XXXX he told him that's not true the original case XXXX is why we called and he stated that he and I was told that the money would be put back into my account then we were told the claim was denied on XX/XX/XXXX and that a letter was sent out on XXXX XXXX this is unacceptable I've been trying to get my money from this fraud since XXXX XXXX they never investigate this o trusted this bank to protect me and they did nothing but allow someone to take funds out of my account without my permission and they did nothing for almost XXXX months I need help to fight this and get my XXXX XXXX XXXX  Put back into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Sold my home. Final payment from attorney office was late. Resulting in a bad mark on my credit score.

I need this bad mark removed as I have never had a late or missed payment for the entire term of loan and history of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted 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 2023-01-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX original Creditor : XXXX XXXX XXXXXXXX, Original Creditor # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Original Creditor # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Company Halsted financial contacted me via text and possibly phone in regards to a debt that does not belong to me. Per the link that was sent, you a prompted to put the last four digits of your social in ( in which I did ) and it brought up this account. I called and spoke with a representative and I was given the run around in which I asked to speak with a supervisor. XXXX  ID # XXXX on XXXX XXXX XXXX XXXX XXXX cst I spoke with. I truly want to believe this is her name because Ive been given false information by another company before when Ive escalated. She could not give me the reason why I was able to pull this account up with the last four of my ssn. The back office will be getting the account but, I feel my info has been sold or they have stolen it. Can this matter be looked into because I should not be able to access anyone elses account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a fixed loan through Wells-Fargo XXXX XXXX about XXXX XXXX XXXX and I've made payments every single month via automatic payments. I recently went through a process of switching banks and when I went to make the changes on this account with Wells Fargo, their process was not only confusing but I apparently missed a step and when I called them in regards to this they were uncooperative and unwilling to accept at least partial responsibility for at least not contacting me with this issue. Since I've never missed a payment and only had this XXXX issue in regards to switching bank accounts, they made me feel like I did something wrong! Well I did because I missed a step, but in my defense their process was very convoluted and I thought I had done my due diligence in at least following up when I didn't see that the payment had gone through. I've heard horror stories over the years in regards to Wells-Fargo XXXX XXXX simple things like direct deposits into person accounts etc ... .but this is my first negative experience with them and I feel that their process is extremely unfair and that since this was my first issue with them and I caught it right away that they could have been a bit more forgiving but they obviously don't care. I still have XXXX more months to pay this loan! I have attached the XX/XX/2022 and XX/XX/2022 statements. The XXXX XXXX shows the added late fee.

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 monetary relief