vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. Chase bank is one of nine creditors that I have personally committed to repaying. Chase bank and another creditor are the last two credit cards left. Chase Bank received payments before I was served a summons by XXXX XXXX XXXX. I was surprised to receive a lawsuit in the mail. 

I rendered payments to Chase bank to satisfy my debt. In the midst of a series of payments to Chase Bank. XXXX XXXX XXXX, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX XXXX XXXX XXXX acknowledged that I sent payments for the debt. I mailed a letter to XXXX XXXX XXXX dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to XXXX XXXX XXXX- a debt collector, Chase Bank mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, XXXX XXXX XXXX, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed XXXX XXXX XXXX, a debt collector, of the misrepresented amount. Each time XXXX XXXX XXXX, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe Chase bank and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If XXXX XXXX XXXX, a debt collector, is representing Chase Bank, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of XXXX XXXX XXXX, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXX vehicle loan account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of XXXX 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM 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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I didn't know I could submit a complaint, but I have had a couple of credit cards close in the past through JPM Chase ( one being a Chase Sapphire and the other an Amazon credit card via Chase ). This was between XXXX, but I would call and not receive an answer as to why my account was being closed, even with working for a bank, having a great credit score, and paying my bills in full on time ( no late pmts ). I was even instructed to send them a fax to their compliance dept, but they refused to provide me any information as to why my accounts were closed and stated they were in their right to close my account. 

All I want is an answer to why my name is being prevented from banking with one of the largest banks in the country without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XX/XX/2022, a payment of {$5400.00} was made on the XXXX website. On XX/XX/2022, a call was made to have this payment be applied to principle ONLY. I was told the paperwork was completed and it would take 3 to 5 days to be applied to my account. On XX/XX/2022 the payment was showing as applying to principle only per my request. On XX/XX/2022, Hyundai moved the payment I had requested as principle only to be used as my monthly payments and took {$14.00} off this payment and applied to interest. I called on XX/XX/2022 and was told that the payment was applied to principle and payments in the amount of {$2500.00} would be applied to principle. I asked to speak to a supervisor and was placed on hold to go back into the main menu for the customer service phone line.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a claim that is ongoing and received a temporary credit. I was told to sign documents that I never received to continue the claim. Since, I have submitted documents however, the temporary credit was withdrawn from my other account that is not associated with the claim. 
I have never filed a claim under this account and the temporary credit was not deposited into my newer 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 monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I found this scam company posing as XXXX XXXX ( a clone if you will ). And decided to invest in this fraudulent company on their instructions. Due to Coinbase 's negligence i lost XXXX XXXX and XXXX XXXX. I transferred money from my coinbase account on their instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: GA

Complaint narrative:
on XX/XX/2022 I contacted XXXX that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of Education Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXXXXXX XXXX Card Account # XXXX and # XXXX, XXXX Bank Account # 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.

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 2022-08-24 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: PA

Complaint narrative:
Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.

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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist is sending me bogus letters related to insurance. They failed to pay my insurance and I ended up paying. I paid a {$45.00} fee for a gap in insurance. I reinstated my insurance on XX/XX/XXXX. The gap was XX/XX/XXXX- XX/XX/XXXX. So as of XX/XX/XXXX, I was covered. 

On XX/XX/XXXX they sent me a letter saying that I had no coverage and they were taking out coverage and charging me {$900.00} for this coverage. This makes no sense since the insurance coverage was solved on XX/XX/XXXX and the letter was issued XX/XX/XXXX. Additionally, I talked to them on the phone in early XXXX to pay the {$45.00} and make sure all was correct and accurate. 

In the letter, they sent they listed an old phone number that does not function correctly. it leaves customers in an endless loop where you can't get in touch with a human. The wrong number they listed on the letter XXXX there is no way to talk to a human from this number. Ins spite of trying all the menu options to get to a human I kept getting cut off. I spent several hours trying to get through. I ended up calling 4 other XXXX numbers for Truist before I got a human. That person ( in mortgages ) was able to get me a functioning phone number. She explained to me that the letter was 'system generated ' and that is why the number did not function correctly. How can they send out a letter that has a useless number? 
the new number she gave me was XXXX My primary complaint is that Truist makes communication near impossible for any normal person with work they need to do during the day. It is very costly to take half a day off of work to spend time trying to get through by phone. 

In the end, I finally got a human and they confirmed that the letter was in accurate. They have my insurance information there is no additional {$900.00} to spend. I lost my entire morning chasing this information down. How do they get fined for creating such duress and needless lost of work time and wages for me to solve a problem they created? 

How would this work for a single mother with shift work where she could not take time off to call Truist to find out they sent a bogus letter?

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 2022-08-24 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Department of Education Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Bank Account # XXXX, XXXX XXXXXXXX XXXX  Card Account # XXXX and # XXXX, XXXX Bank Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: DE

Complaint narrative:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

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 2022-08-24 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: DE

Complaint narrative:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm being Charged Fees that caused me to be late on my Rent and Car payments. The Bank failed to do their job. From the start of this account until now. I've tried several times to correct this issue with the bank.

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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
XX/XX/22 Posted a listing for my chaise sofa on XXXX for {$1500.00} Within 2 minutes I had 3 responses. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. 
I said I required cash only. 
Two asked if I could do Zelle or XXXX. XXXX did not respond again. 
I said I would prefer not to but I would. 
I was on with a woman XXXX XXXX XXXX for approximately 3 hours. 
I believe it was a scam and I sent {$300.00} to Zelle which I have no way of recouping. I was told to reimburse XXXX using XXXX which would not go through. She then gave me XXXX to use and it went through. XXXX paid the {$300.00} and along with the {$1500.00}. 
Zelle wanted me to send another {$500.00} for a Certificate. I would have to go to a store to purchase a XXXX XXXX. Different email addresses and names were used within XXXX. 
Messenger chat went until about XXXX or XXXX. 


XX/XX/22 XXXX started in again early in the morning. I told her I had to go to work and would get back later in the afternoon. She started again at XXXX I called my bank and they said to call the police which I did call and an officer came to my residence at approximately XXXX XXXX There is nothing I can do and really nothing they can do, bank, police or official Zelle. 
I have blocked XXXX on XXXX as well as the other woman, XXXX XXXX XXXX. And reported them as scammers. Especially after seeing posts on their pages in, I believe, what was XXXX. 

XX/XX/22 Filed a complaint with Zelle. Filed a scam with XXXX. Filed a complaint with Consumer Protection Agency Wisconsin ( XXXX ). 
Other email used from XXXX was : XXXX with the XXXX XXXX. and XXXX  XXXX XXXX logo was displayed in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: NY

Complaint narrative:
Hello, I'm reaching out because i have an unauthorized inquiry ( 3 ) on my Transunion report and i need them removed. I'm currently trying to get approved for a mortgage. Having these unauthorized inquiry 's removed will put my family and I in a much better position to get our house. Thank you in advance! 

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 explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
Hello. Sir I met XXXX at XXXX XXXX. HE XXXX  me to do XXXX so I transfer {$200000.00} to XXXX. on XXXX I didn't know about this so just follow him. 
He made me transfer all XXXX to XXXX XXXX on XXXX I did two times betting and he refer me VIP promotion. And they sent me message make XXXX until XXXX. 
He asked me XXXX and he will help me the rest of them. 
He sent me already XXXX. 
But I doubt I got scam at that time. I know it is stupid. 
I saw his picture from XXXX XXXX And same picture from XXXX XXXX XXXX. And picture person is XXXX XXXX XXXXXXXX XXXX post with his picture. Someone used his picture for scam. If mentioned investment, XXXX and XXXX, that is not him. 

XXXX still is working on getting more money from me. 
Now I pretend to be sick from XXXX. 
I don't know what to do. Connect with him to find or disconnect. 
Advise for me. 
I reported at XXXX and XXXX. 
They said if Authorities assistance contact them, they help them XXXX is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you help me? I hope no more victim. 
Help me please. Anytime contact me please. 
Thanks for spending time. 

XXXX XXXX.

Company response to consumer: Closed with explanation