vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX - I noticed a check cashed XX/XX/XXXX to my checking account that was not familiar. Upon inspection it was a check that was written over 2 years prior and cashed. It was never destroyed and was subsequently cashed again but modified. The forgery was to a different person, altered amount, check number and payee. I immediately called Chase to discuss and they said I needed to go to the branch. 

XX/XX/XXXX - I go to the branch and they say I need to talk to fraud department by phone. I tell them I just did that and was told to come to the branch. They apologize and say, no, I need to talk to fraud. I call fraud and they freeze my account and say they'll send forms to fill out. 

I receive the forms approximately 2 weeks later in the mail. I fill them out and attempt to fax them to the appropriate number. I had complete forms, copies of the original check and the fraudulent copy. It was plain to see what happened. 

XX/XX/XXXX : After not hearing anything, I call Chase for an update. They had not received the fax. I mail a hard copy of the forms to the address. 

Multiple calls to follow up with no answers. My account is still frozen and I can't access my own funds! 

Late XXXX : Chase ackowledges receipt of the fraud forms. 

XXXX : I go into the branch to have them move money. They can't because the account is frozen. I give the manager one more chance to figure it out and get my moeny into an account I have access to. A week later, he hasn't made any progress. 

XX/XX/XXXX : I went back to the bank and closed all of my accounts, with the exception of the one that is frozen. They figured out how to move the money out of the account, but we left that one open since the fraud case was still open. 

XX/XX/XXXX : Fraud department refunds the lost funds ( {$800.00} ). I try to move the money, but the account is still frozen. 

XX/XX/XXXX : Chase sends an automatic bill payment from the frozen account to a service provider. That check gets cashed, from the supposedly frozen account. 

XX/XX/XXXX : Account is still frozen and the charge me a low balance fee against the account. 

XX/XX/XXXX : Chase will not refund the fee, and the account is still frozen. We are currently on hold with the fraud department ( over 30 minutes ) hoping they can release the hold on the account and give me our money once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to the furnisher XXXX XXXX  dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXX XXXX  dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MI

Complaint narrative:
accordance with the fair credit reporting act XXXX  XXXXXXXX XXXX XXXX accountXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish 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 explanation
Consumer complaint received 2022-03-23 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: MI

Complaint narrative:
accordance with the fair credit reporting act convergence XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: VA

Complaint narrative:
Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the XXXX  Equifax Data Breach and I have made that very clear to Equifax. 

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b. 

The three companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that bull crap. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BofA refused to give me my ssa money they took out what I owe them on the XXXX  an they won't like get it from the bank there sending me check they said an to date no check can't get food or my medical supply an meds because of the it not right for them to do this to a older adult their way they're treating me and I'm fairly done my wife made a mistake on there and I have to pay for it he didn't Washington DC was in the military I'll still there now I don't know where she's at to be in jail because of the bank I don't like this at all you're a fair treatment and the people is unreal you'll see what the those security department 's going to say and everybody else

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 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.

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 2022-03-23 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: MD

Complaint narrative:
Here 's what happened : 1. On XX/XX/2022 I sent a NOTARIZED FTC ID Theft affidavit, Copy of my ID, Police report number, proof of address, and a letter to Experian via certified mail tracking XXXX 2. The fraudulent account was XXXX Account XXXX. It was identified in the letter. 
3. Experian received the mail on XX/XX/2022. From what I read online, Experian had 4 days to review the ID Theft Affidavit, send it to XXXX, and then block the account from reporting. 
4. Also from what I read, XXXX was suppose to closed the account, investigate it, and stop reporting it but that did not happen. 
5. I received an email from Experian on XX/XX/2022 ( far beyond the 4 days ) stating that they were not going to honor my Notarized ID Theft report for a bunch of reasons that aren't listed in the ID Theft information that I found online. 
6. I found this on FICO 's Forums : FCRA 605B explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 
The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

7. None of those were the reasons Experian listed in their response to me. 
8. XXXX closed my account and marked me 12 months late thus damaging my credit score and report. 

All of my ID documents are attached and Experian 's response. This very stressful and is keeping me from purchasing a new home!! Please Help!

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 2022-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I applied for the Federal XXXX loan forgiveness program. I have been XXXX XXXX XXXX XXXX for 23 years. Navient has stated that I do not qualify for this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
On XX/XX/XXXX I sent Transunion a letter disputing the XXXX Bank XXXX mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through XXXX Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through XXXX bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are XXXX payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of XXXX Bank and Transunion on XX/XX/XXXX and did not receive a response. I called XXXX Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that XXXX Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into Transunion today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as XXXX Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.

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 2022-03-23 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX ( Report # : XXXX. ) In accordance with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. 

The Experian has responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all and refused to reinvestigate without new information. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last active inaccuracies, as well as last payment dates that are completely frivolous. 

Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.

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 2022-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Due to a clerical error at the mortgage company they added condo insurance on my single family home which already had the proper insurance. It took me over a month of phone calls, emails and faxes to finally find someone to fix their error. Meanwhile they have harassed me with repeated phone calls insisting I owe them an additional {$240.00} with a late charge. They have even sent an updated payment booklet with the corrected amount of {$1100.00} for every month in XXXX that was sent on XX/XX/XXXX. I pay {$1200.00}. every month. I have explained the situation to their collections department and they insist I must pay this debt for the XX/XX/XXXX payment. Their mistake that has been corrected by their insurance department but I am expected to pay? Please makes them cease and desist. It is not my debt and they need to fix my account and records. I do not want a blemish on my credit due to their error and inability to communicate between their departments. I hope you will be able to help. Thank you.

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 2022-03-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-23 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: SC

Complaint narrative:
Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Called XX/XX/2022 at XXXX XXXX from XXXX XXXX  to discuss possible debt. After listening to the disclosure and the amount claimed I owed, I said I had not received any written notice and would like to dispute the claim and to please send something written so that I can verify the charges. After repeatedly stating that I would not be making arrangements, the agent made no attempt to begin disputes process. Instead went on a sales pitch asking me about when I last looked at my credit report and threatening that if I didn't make arrangements today, I could have my account turned over to a lawyer " that it could happen after we get off this call '' and mentioned possibilities of consequences such as liens and garnishments to paychecks or properties. I repeated that I would not be taking actions until I received a statement that I could verify and that until that time there was nothing else to talk about, then asked to end the call. He held me on the phone to " be honest with me '' he couldn't send me anything by mail ; it was online and I could verify right now. I took a moment to try to compose myself while I heard him talking about how silence wasn't going to help my case and if it wasn't resolved my case could go to a lawyer and I'd be sued.

Company response to consumer: Closed with non-monetary relief