vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received an email on XX/XX/XXXX that I thought was from my title company, XXXX XXXX XXXX XXXX, requesting the closing funds two days before closing on my house. The scammers had attached my exact Closing Disclosure and included the signature of my escrow processor. I believe they acquired those by hacking the title company. I had been expecting communication with the title company to send closing funds, so I took their information and sent them the funds via wire transfer from my Chase Bank checking account to the recipient account, held by a person named XXXX XXXX with XXXX  XXXX XXXX, on XX/XX/XXXX. I realized the email was fraudulent roughly one hour after initiating the transfer. I immediately notified my bank to try and stop the transfer, but it was too late. I initiated a recall at that time ( XX/XX/XXXX ). I also filed a police report with the city of XXXX, MI on XX/XX/XXXX, and filed a complaint with the FBI on XX/XX/XXXX. Chase Bank notified me on XX/XX/XXXX that they will not be taking any further steps to try and retrieve the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
UNITED WHOLESALE MTG IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX a XXXX condominium  development company ( XXXX XXXX ) setup a display table in XXXX XXXX, located at XXXX XXXX XXXX XXXX. and was distributing brochures depicting renditions of future condominium development projects in XXXX and selling reservation / contracts. The XXXX XXXX sales representative came to our home the afternoon of XX/XX/XXXX. We were hesitant to buy but the sales rep indicated he was leaving town the next day and there was urgency to sign. The sales rep asked for and received the payment account information as part of the reservation process. Immediately after the sale rep left our home on XX/XX/XXXX, we contacted XXXX XXXX, spoke to the sales rep and cancelled the reservation. He indicated all sales are final and the {$1900.00} will be debited from my USAA checking account and the reservation fee was not refundable. On XX/XX/XXXX I delivered a written request to cancel the transaction- see attached. The XXXX XXXX company has refused to the acknowledge the cancelation request and is ignoring the 3 day right to cancel law. The cancellation email thread is attached for your reference. Scroll down in the email to locate the beginning of the conversation. 

1. The USAA Federal Bank will not reverse the transaction even after receiving legitimate proof of cancellation. 
XXXX. XXXX is the third-party payment transfer company that debited the account on behalf of XXXX XXXX XXXX 
XXXX. XXXX XXXX unlicensed foreign company pressuring people to by real estate and then refusing to follow existing consumer protection laws regarding right to cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I was a Peoples United Bank customer whose account was transitioned to M & T Bank. On XXXX Peoples United processed two fund transfers ( Bank to Bank ) - one for {$750.00} and another for {$370.00}. These funds still have not been deposited to my Credit Union bank account. Also on XXXX there was another bank to bank transfer initiated from my Credit Union to M & T Bank in the amount of {$750.00}. These funds were withdrawn from my account and not deposited. I can not access {$1800.00} of my money.

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 2022-09-10 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: FL

Complaint narrative:
Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 

Account name # XXXX XXXX  Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  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. 

Account name # XXXX  Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  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 2022-09-10 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: FL

Complaint narrative:
Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 

Account name # XXXX XXXX Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  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. 

Account name # XXXX Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX 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 2022-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NY

Complaint narrative:
PRIMARY RESIDENTIAL IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: STERLING JEWELERS, INC.
State: KY

Complaint narrative:
Have a creditor that will not remove a collection after the statue of limitations. 
Jared jewelers Opened in XXXX Have spoken with company and claimed it would be removed in XX/XX/XXXX. It still stands on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
For the past 4 months I have been trying to tell USAA that the collection company they hired sent the ACCOUNT back to USAA. I even sent USAA the CFPB complaint letter that XXXX sent me saying they sent the ACCOUNT back to USAA. The office of the CEO at USAA is refusing to take care of my request to settle the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NC

Complaint narrative:
In accordance with the Fair Credit report act XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-09-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine and wiener have been harassing me via phone and mail and also added a collection account to my credit report for {$180.00}. I have been dealing with this harassment for over 3 years now and I still have not received a clear answer as to why I am being charged and harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My EQUIFAX REPORT HAS NOT BEEN UPDATED SINCE XX/XX/2022! For the following companies : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to them on several occasions about this issue and have not received anything back in the mail from them at all. 
I spoke to someone over the phone for a forgiveness for XXXX XXXX XXXX  because I was faced with financial hardship and could not make my 4 of my payments on time and they informed me they would remove those two late payments and they failed to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer collection management IncXXXX located in XXXX XXXX XXXX has caused me to have to send in documentation for XXXXXXXX XXXX that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXXXXXX XXXX XXXX XXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX XXXX Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX am a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2022-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2022-09-10 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: CA

Complaint narrative:
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. 

COMPANY DOES NOT HAVE MY CONSENT/AUTHORIZATION TO PUBLISH ANYTHING ABOUT ME. COMPANY IS FURNISHING UNAUTHORIZED REPORT ( S ) TO THE PUBLIC. 

NOT asking to verify or update. Delete per the above sections. 

STOP/DELETE ALL REPORTING OF 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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Upon noticing a drastic drop in my credit score of XXXX points all at once I pulled my credit reports and found 2 Unauthorized Hard Inquiries added by Capital One on two separate dates ( XX/XX/2022, XX/XX/2022 ) The fraudulent imposter failed to include my correct address, Instead he used a mix of my current address and one of my past addresses that together results in an address that I have never been associated with at all never received mail nor lived there. 
The Fraudulent Imposter used My name and possibly my social security number in attempt to obtain Credit from the below mentioned lender. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX This operatic fraudulent action has negatively affected my credit score after many years of carefully tending to it and improving it.

Company response to consumer: Closed with non-monetary relief