vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a checking account with JP Morgan Bank and made a mobile deposit on XX/XX/2023 of a check drawn from my XXXX employee XXXX account. This check is a U.S. Treasury Check in the amount of {$1600.00}. 
My account was and is not in the negative and is well over 30 days old. In fact, I have been a Chase bank customer for years.. However, not only was there any amount made available to me within 24 hours but there was a hold placed on this check until XX/XX/2023. According to Chase 's own policies as well as General Rules ( 229.10 ( a ) 229.10 ( c ) ) of the Federal Reserve Bank Consumer Compliance handbook and U.S. Treasury bank check can not be held. 
I spoke with customer service twice on XX/XX/XXXX and was referred to the fraud line and was told that the check was valid and should not be held... However, the representative stated that the hold would still be in place and funds would not be available until XX/XX/XXXX no matter what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
On XX/XX/XXXX, I submitted THREE PSLF Employer Verification Forms to MOHELA in order to verify additional employers with qualify payments under the one-time PSLF waiver. On XX/XX/XXXX, MOHELA responded to the first of my three forms, and stated the form was " missing employer information. '' It was not. I called MOHELA on XX/XX/XXXX, and I spoke with a customer support agent who manually looked at the form, and said, " it looks good to me ; I will resubmit it. '' On XX/XX/XXXX, I logged on to MOHELA 's self-service website and noticed all three of my forms were now marked as " duplicate form. '' They are not duplicates. They are THREE different forms with different employers to verify under the one-time PSLF waiver. I called MOHELA again on XX/XX/XXXX. I again spoke with a customer agent. The agent stated, " I see what you mean ; these are not duplicate forms. I will reprocess the forms. '' As of XX/XX/XXXX, all THREE employer verification forms are still marked " duplicate form '' on MOHELA 's website, and no additional action has been taken. On XX/XX/XXXX, dealing with another problem with MOHELA, I spoke with a level-two support agenda, on the customer escalation team. I asked if she could take a look at my PSLF forms too. She stated, " I will mark them for re-processing again, but they all look good to me. '' While I understand the transfer of the PSLF program from XXXX to MOHELA has taken time, and MOHELA is currently stating 60-90 wait periods, I did wait. My forms were completed on XX/XX/XXXX. MOHELA 's errors in processing them are causing delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
The car a XXXX XXXX XXXX  was defective. The company issued a recall for the brakes in XX/XX/XXXX. I went to the dealership XXXX XXXX and they said they did not have the part but it was safe to drive. I went there twice but they said they did not have the parts, On XX/XX/XXXX I had a very bad accident I had to be cut out of the car. The person that was siding with me was injured. I suffered a very bad XXXX  and XXXX  injury. And it is still bothering me. The accident was caused by defective brakes the same recall that was issued for the car. I had to be cut out of the car. I almost died. Now Ford Credit is putting that I owe them {$650.00}. Now I can not drive anymore and I have to be taken every where. I want this off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX XXXX XXXXXXXX on the above date.

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 2023-02-21 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
In regards to account number XXXX, I had consulted XXXX builders on receiving their product but never went into a full agreement. The paper work and contract they provided does not contain MY signature. I never signed any paperwork or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Manipulated my account/transactions. Charged fees that were unnecessary.

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 2023-02-21 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: MI

Complaint narrative:
Reporting double accounts credit reporting agency did not verify that is trying to be collected under 2 different accounts Not reporting accounts being sold nor reporting account XXXX balance once sold. Last date of payment untrue. Will not provide proof of any verification of investigation.

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 2023-02-21 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: OH

Complaint narrative:
On XX/XX/XXXX, I received a phone call from " Chase Home Financial '' as it appeared on my caller ID. They stated that my card had been compromised in XXXX GA, and there were funds removed. They said there would be a text sent with a pin code. The caller asked for the pin code and they would reverse the funds of {$350.00} and {$150.00} spent at locations. I was at work and could not check my account, but this has happened before. I trusted that Chase would take care of it as they have in the past. Later that day, I got home and checked my account and an ACH for {$4000.00} sent to " ACH payment ''. I did NOT authorize this, so I called the number for fraud on the back of my card. They were unable to assist me because of the late hour of the day. The next morning, I went into my home bank and the manager called fraud dept and they told me they were unable to recover my funds because of the " fine line between fraud and scam '', I immediately went to my local police station and filed a report, which is active. Chase called me back and said they were looking into it further. This went on for almost 2 weeks. Finally, I got a call saying they could not help me any further. I am a small business owner and having {$4000.00} taken from me could have destroyed my life. I then filed a complaint with the Attorney General in the State of Ohio. They also referred me to the Office of the Comptroller of the Currency as well as the Department of the Treasure Waste and Abuse hotline. I filed with them. The OCC just sent me a letter referring me to CFPB ( you ) saying this was out of their direct jurisdiction of their office. This is theft and it is illegal. Chase is not helping me in any way and I have been a victim. I really would like to have my hard earned money back. Also, the transaction caused my mortgage payment to be returned causing other problems in my life, not to mention not having my own money back. I am unable to scan documents and send at this time, but will provide them as I have a large folder of information, documents and bank statements, police report numbers, and people I have spoken with. I appreciate your timely response and hope you are able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
Self reported to my credit that I was late on payments when in fact I wasnt I requested to cancel on multiple occasions but they denied my request to cancel after sending multiple emails and phones I need this removed from my credit I emailed them XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.

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 2023-02-21 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: IL

Complaint narrative:
On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: MN

Complaint narrative:
Identify theft social security XXXX some ones stealing from my accounts from the usbank department.

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 2023-02-21 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: CA

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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My loan switched hands from XXXX to Aidvantage in XX/XX/XXXX. Prior to the switch, I was on an income driven repayment plan of XXXX  XXXX through XXXX, going into repayment on XX/XX/XXXX after the blanket forbearance due to covid and was contracted for XXXX XXXX through XX/XX/XXXX with XXXX This information was somehow lost between the companies during the transition. I have contacted Aidvantage multiple times since XX/XX/XXXX, when the transition between servicers finalized and I received a monthly bill including a late fee for what was supposed to be a {$0.00} payment. I have called MANY times, sometimes being hung up on, being told to just keep calling back, being argued with, told that the change back to the {$0.00} payment plan would be very easy to accomplish, being asked to recertify against the contracted XXXX  XXXX payment, and then being told that the supervisor was refusing to talk to me and that the customer service representative was told to simply de-escalate me because " nothing could be done ''. I am simply asking that they locate the information provided to them from XXXX and get me back on the XXXX XXXX payment I was contracted to with XXXX. 

Attached are the last bill from XXXX with a due date of XX/XX/XXXX showing {$0.00} due and the bill from Aidvantage with a statement date of XX/XX/XXXX, TWO DAYS LATER, showing a balance of {$930.00}, including a late fee for what is supposed to be a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
Blockchain.com stole my money On XX/XX/XXXX I received the equivalent today of {$200.00} in a blockchain account, sometime in XXXX there was an upgrade to Blockchain software that did not allow me to log in through my phone app. I opened another account and tried to move then funds to the new account and was not posible. One account under my email XXXX every time I go to the account I can see the balance but the account freezes and doesn't allow me to send, move exchange or whatever with the funds. I have written multiple correspondence but Blockchain.com has never attempted to fix the bug or correct the problem offering me vague answers about private wallets etc etc, without ever considering that I can not navigate in that account because it is not working properly. 
On the second account that is under another email I have XXXX I was able to make some transfers but the last transfer done in XX/XX/XXXX it is stuck in " sending '' for already two weeks. again their answers are vague and never addressing how I can recoup the money or finalize the transfer. I have provided multiple screen shots and explanations and none off the two problems have been resolved. I get automated answers not answering my problem and my money is practically lost or stolen by Blockchain.com I have been willing to give them my passwords or phrases or anything they want just to recoup the money as I don't care about privacy after I recoup my money as I will transfer the funds to a reliable account in another place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: PA

Complaint narrative:
I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ),

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NY

Complaint narrative:
I have reported lost identity and stolen on XX/XX/2022! Updated info and phone number! But the thief still opened the credit card at Chase with the old phone number!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/2022 & XX/XX/2022, there was a atm withdrawal of {$1000.00} taken out of my account and also the next day another {$400.00} as well, I reported it but prior to that I received a text message chase fraud dept asking if that was me and I said no, I faxed my text message over that I received to the chase as I made the complaint on both days someone hacked my account, they only reimbursed me the {$400.00} and not my {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: AL

Complaint narrative:
I've tried contacting them, disputing just to have no result. There is a lot of fraud on my report but company refuses to budge. My score plummeting and I need this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: VA

Complaint narrative:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

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