vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: MN

Complaint narrative:
I deposited a transferred check signed over after giving {$1900.00} to the person. I verified check and the issuing banks system confirmed the account was valid with funds to cover the amount. 
Chase took the deposit, placed a hold, lift the hold today released the funds than placed a block of XXXX my account and now opt to close it. First they asked me for contact info to verify the person signed the check over, I told them I didn't have that info available, after placing me on hold I get told the account is a fraud and all checks written are being returned unpaid, yet the system reflected the funds cleared on both sides. So chase now barred me out of account and took the {$1900.00}. Yet I can still verify the Physical check by the numbers, a fraudulent bank account would not come up as valid and funds available. Chase made a decision that is beyond their power, and have stolen funds due to me, I would like them back immediately, and they can take on the issuing party and the party who signed it over to me. I should not be out {$1900.00} that was paid to them after check was cleared. They held full amount for XXXX says with a lift hold date of XX/XX/23 which they lifted and released the credits today than took them with conflicting reasons. They are the party acting shady, what good would the other party confirmation of signing over check do if the account issuing said check was a full fraud, and why am I the one that suffered they have procedures and means to recover insured funds, I am out {$1900.00} and they just shrug it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card opened in my name without my consent, or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
Approximately 2021 mid late summer I had a loan modification completed, which I asked to refinance so that my payment could be lowered they told me that wouldnt help because my interest rate was low and I wouldnt be able to get that rate again. Then XX/XX/2021 I had a change of jobs with my income lowering and again they stated that refinancing my home loan in attempts to lower my payment because at this point it was choosing which bill to not pay to be able to pay mortgage, because a I didnt qualify for forbearance. I work in XXXX XXXX and for the first time got XXXX  was out of work 2 weeks but beings it was a new job I didnt have enough PTO built up to cover my absence and was not able to return to work until cleared by employee health to return working. Up to that point I had been current on mortgage. But once hit that bump everything seemed to spiral down from there with unexpected financial drains such as having to replace tires on my car due to flats, totaling of a car, another car being taken, washer and dryer going out, plumbing issues that couldnt wait, having to pay child care when I asked what could be done they stated I could do a short sale but I would lose money, I was told I couldnt do a forbearance I wouldnt qualify and I couldnt do another modification because it was too close to the last modification ; mind you this was my place of residence. It led to filing bankruptcy to help get things caught back up, but when it didnt work as planned due my employment not carrying out a work order to re-filing and since so close automatic stay was lifted. The statement given for it to be lifted were false information stating taxes were not filed but they were, that I listed I payed an attorney more than I did but I never entered that information. When I called in attempts to get a reinstatement figure or amount owed they wouldnt give me this information. When I called the lose mitigation number I was transferred several times until finally someone that could speak to me when trying to figure out how they could help me to save my place of residence they stated the computer system wouldnt let them go forward and they had no clue why. I asked for more time in attempt to complete a short sale but the lender still to no avail has not postponed my foreclosure auction long enough for me to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I believe someone else is using my information and I have no history or account with 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
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a high yield savings account at Marcus with Goldman Sachs in early XX/XX/XXXX and in a few days asked them to transfer back a portion to my original account. They have locked my acct since. I call everyfay and either get the runaround or they cut me out. They asked me to get an affidavit of identity notarized which I did n they confirmed receipt XX/XX/XXXX. I have called XXXX n they say it takes XXXX business days to review but each time i call they say its under review n call back. I have since read numerous online on social media including XXXX complaints from other customers with very similar experiences. I reached out to my Attorney today but I also wish you to fastrack an investigation into the way this bank is doing business and abusing the banking system. This company with a bad history of wrong doings are at it again and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
Dear TransUnion XXXX, I have already contacted you but haven't received any results so far. I am XXXX XXXX, consumer of TransUnion. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Transunion customer service and they provided me with my file number : XXXX. Also they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-26 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: FL

Complaint narrative:
On XXXX XXXX and multiple banks like XXXXXXXX XXXX score powered by XXXX XXXX XXXX XXXX XXXX  all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my XXXX %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and credit karma while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.

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 2023-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America appeared on my credit report for the following dates : XX/XX/XXXX - {$120.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/XXXX - {$2900.00} I tried calling XXXX and they keep on hanging up on me unless I give them my social security number, address, and birthdate. Sounds like a scam. They don't want to give any information and it's damaging my XXXX XXXX. I refused to give my information so they just hung up on me. I put a XXXX  complaint already but I need help in fixing this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act Discover Bank Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
My credit report is reflecting inconsistencies, inaccuracies, and invalid information. Any and all names, addresses, derivatives of names or information that is not below is inaccurate : Full Legal Name : XXXX XXXX XXXX XXXX Full Legal and Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/ Social Security Number : XXXX Attached are copies of my government issued drivers license, social security card, and proof of current address.

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 2023-01-26 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: FL

Complaint narrative:
Dear Equifax Bureau, I am a consumer of Equifax. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Equifax customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. 
I have already contacted you through phone, also sent you a mail but have no results so far. These hard inquiries are not mine, please remove them from my credit report : CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I bought furniture from XXXX XXXX XXXX and Wells Fargo is the finance company. I never received an initial bill even though they had my email address. They charged me late fees. I have spoken to more than 10 people because Im having issues setting up my banking information online. I spoke to XXXX tonight. My issues continue and I cant get any help so Im not able to make my payment so Im sure there will be more late charges.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: OK

Complaint narrative:
On XX/XX/2022 I applied for a XXXX card because credit karma said I was approved and I sadly was denied. I would like to join the lawsuit because it is wrong and misleading. XXXXam an honest working mother trying to build my credit to buy a home and it took points and 2 to 3 years to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : XXXX XXXX XXXX XXXX XXXX and Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: VA

Complaint narrative:
Experian refuses to correct inaccurate information disputed several times without correcting. Theyre reporting 30 days late for the month of XXXX 2022 yet XXXX only shows 30 day late for the month of XX/XX/2022 which I have provided documentation for proof

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 2023-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have asked LVNV FUNDING LLC to validate the alleged debt that this person claim that I owe, and all this person have provided me are statements and signatures to an Alleged account that this person can not prove is mine. 
LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) Furthermore, LVNV FUNDING LLC does not have any jurisdiction or authority to even collect on this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
There was a charge on my cash app debit card on XXXX for the amount of {$140.00}. 

According to the merchant this charge was refunded on their end and there is nothing more for them to do. They said to have cash app disputes dept contact them directly. 

Cash app support just simply told me they are denying my request and after doing this via chat and email after the third denial I called them directly. Their phone support once again just said they are denying my claim and then hung up on me. 

At this point I can't get any help from either party involved and cash app support is refusing to work with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I contacted these persons and requested an original consent form to share my information which was not provided and is a direct violation per 15 u.s.c 6801. 

Company names : Midland credit management XXXX credit bank Derogatory mark XXXX XXXX

Company response to consumer: Closed with explanation