vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 I made a wire transfer through my CHASE BANK app. I transferred {$380.00} ( XXXX GBP ) to a XXXX bank account and I received a confirmation from CHASE BANK saying that the transfer was completed and the recipient should receive the money within 2-5 business days. 

Since the money was not received by the recipient, I made an inquiry to CHASE on XX/XX/2022, to find out what had happened to the wire transfer and if the money was on its way to the XXXX bank account. 
On the same date, I received a secure message through the CHASE BANK app saying that the wire transfer was not successful and that the money was not delivered to the recipient. CHASE stated that the reason why the transfer was not completed was that the information of the recipient was not complete. 
The secure message stated that the funds were going to be returned to my account within 3 to 5 business days. 

On XX/XX/2022 I contacted CHASE BANK through secure messages on the Mobile bank app because the funds ( {$380.00} ) were never returned to my account. CHASE answered back on XX/XX/2022 stating they did not have the money at their disposal and that they were working with the banks in chain to return the funds as soon as possible. 

On XX/XX/XXXX I contacted CHASE BANK again since I did not have any answer about the money. They answered me back stating that they tried to retrieve the money several times but it was not possible and that I should contact the bank in the XXXX and settle the matter on my own and that the case was closed. 

After this, I have tried to contact them at least once a week asking for a supervisor and for the escalation of my case. The response from CHASE BANK is always that they acknowledge my case and the request for escalation and a supervisor, and that I should be contacted in the following days. However, I have never been contacted. 

I have tried to go to several branches in XXXX XXXX XXXXXXXX, tried calling different customer service numbers, and tried to share my case on social media. The only response that I've gotten so far is that I should send a secure message through the CHASE BANK app and wait for a response. 

I do not know what else do to. CHASE BANK has held {$380.00} from my account since XX/XX/XXXX and nobody has been able to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 4 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I purchased XXXX vehicles from XXXX of PA. This is a buy-here pay-here dealership, I was told it would not be reported to the credit bureaus ( I was in the process of purchasing a home ). Not only did they report it but they are inaccurately updating my credit report. They have refused to remove the account from my credit report.

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 2022-07-24 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: NC

Complaint narrative:
XX/XX/2022 got my credit reports and XXXX and experion had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts arXXXX 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 I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap

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 2022-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2021 I started my first dispute about XXXX XXXX XXXX XXXX XXXX {$2200.00}. At that time, they closed my claim without letting me know the reason. Please I would like copies of all documents that XXXX XXXX XXXX presented to the bank. I also want the " before and after " photograph of me that she sent to the bank to prove her case. Thanks.

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 2022-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
On XX/XX/2022 I sent in proof to chexsystem to provide proof of my identity per there document guide lines a letter from social security office a certified copy of my drivers license and a current utility bill and I heard nothing back from them and my file is still not corrected with my correct personal information

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 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
NORDSTROMTDBANKUSA Has a reported balance of {$650.00} on a closed account as of XXXX XXXX, 2019. It has not been verifiable. It has also been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed several inaccurate accounts on my credit reports with the XXXX major credit bureaus and I have received no answer.

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 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Blakely Witt and Assco is trying to collect money on a property that was sold and no longer exists. They said I signed a lease but when I look at the signature the signature is electronic and is nit the way I sign my name. I asked them several times to remove the debt from my credit report and they refuse and call my job constantly making threats and harrassing me. The lease was signed on XX/XX/2019 and I received an email from the property on XX/XX/2019 saying they haven't sent me the lease to sign. Blakely Witt is aware and is not doing anything to fix it. He said he would settle with me for XXXX. I told him I am not paying anything I sign my name XXXX XXXX and it was signed XXXX XXXX XXXX. I never use that signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several inaccurate accounts on my credit reports with the XXXX major credit bureaus and I have received no answer.

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 2022-07-24 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: FL

Complaint narrative:
I have disputed several inaccurate accounts on my credit reports with the XXXX major credit bureaus and I have received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XX/XX/XXXX. All these inquires are fraud! I listed them below. 
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  All these above were ran by a XXXX  out of XXXX Al. I have already did a police report and told XXXX headquarters about their sales team at this location running peoples credit without permission. I already had an approval from XXXX on the XXXX of XX/XX/XXXX for a loan amount of {$22000.00} before I ever went to this XXXX. Attached is my police report and below are other inquires that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud claim with Bank of America because all my money from my unemployment was stolen. My EDD card was also stolen. I only used my Boa EDD account for digital services, XXXX, XXXX, etc. And I'd have the physical card put up, ( somewhere I thought was safe ) until I went to get it & it was gone! The date on the reply said they made a decision XX/XX/2022 but I didn't receive it until around XX/XX/2022 & without any explanation as to why they denied my claim or locked my account. All of the charges are from another state. I also ordered a replacement card and they didn't send it.. I filed a fraud claim reconsideration today XX/XX/2022 & a friend told me you guys could probably help.I would love if you guys could help me get my money back, I have 3 kids. The claim number is XXXX Thanks.

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 2022-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They are reporting to the credit bureau on accounts that have been settled and they call me 7 days a week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
On XXXX, I applied for a personal loan of {$25000.00} from BestEgg Company. 
I filled out all the documents and specified I was " Self-Employed. '' I received the notification that I was " Approved. '' ( " Congrats! You're approved ). 

NOTE : THIS WILL BE MY SECOND LOAN FROM BEST EGG The next screen shows my " TRUTH IN LENDING DISCLOSURE STATEMENT. '' Then the next screen said " Almost done ... Before we can deposit your funds, we need to verify your information. '' BUT I WAS APPROVED. 

The display continued by stating : " You could get verified instantly by connecting your payroll provider ( like XXXX, XXXX, XXXX ) ''?? 

First of all, I do not have a payroll provider. I stated that I was self-employed when I started the application process. THEY APPROVED ME. 
Is BestEgg trying to get me to pay for a Payroll Service that I don't need? 
I have included documents. 

Best Egg, XXXX XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
I received a credit inquiry from Fairway Independent out of WI. I did not apply for any lending and I did not even recognize the bank so I reached out to find out what was going on. 

After speaking to an agent there, he told me they received an application and went ahead and processed it. I have an XXXX XXXX fraud alert in place, and asked if they had called to verify before using my social security number. They did not. 

He told me there was nothing he could and only said seems like this is a personal deal in my opinion. I then asked for a copy of the application and one could not be provided to me. 

I am now not receiving a response from the business after asking if they have a fraud department in house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I have accounts on my credit that are not mine and not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: IL

Complaint narrative:
I was contacted by XXXX on XXXX telling me there has been unusual activity on my account. I told them I have XXXX account but I never use it. I was told someone had sent 2 laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm permanently XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from XXXX saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from XXXX for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24 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: IL

Complaint narrative:
On XX/XX/22, We deposited a physical check into a new JPMChase checking account via ATM at the Chase branch while working with a Chase officer. The check was for {$1500.00}. The officer saw the check show up in the account. This check was from our existing XXXX XXXX account. The check cleared on XX/XX/22. 
On XX/XX/22, Chase closed the account in error. 
The {$1500.00} disappeared from the account. We had 4 visits at the local Chase branch where they tried for several hours to find this money. 
Suddenly, on XX/XX/22, the money finally re-appeared in the Chase account. But what Chase did was RE-submit the original check to XXXX XXXX a second time and XXXX cashed it again on XX/XX/22! 
Now we are still out the {$1500.00}. XXXX says we have to deal with Chase and Chase says we have to deal with XXXX. And it was very shady of Chase to resubmit that check twice when THEY lost and couldnt find the money. THIS IS WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my third request for transunion to remove fraudulent inquiries on my credit report. The first fraudulent inquiry is TBOM/MILESTONE on XX/XX/2022. I called XXXX and was informed they they had requested Transunion remove that inquiry but Transunion has not. The next fraudulent inquiry is XXXX XXXX on XX/XX/2022. This inquiry was not requested or authorized. I called the financial department of XXXX XXXX and was told that it was a mistake but they couldn't remove the inquiry a to report it as fraudulent. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished 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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This company never validated a signed contract or debt between me and their company. HIPPA guidelines and laws protects my info from being shared and for fronted without any release of information they arent authorized to have any of my information and for that I will take legal action and advise this company to removed all reports and cease and desist anything moving forward

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, WHEN THE PAYMENT WAS NOT LATE. THE PAYMENTS WERE MADE ON TIME. I WAS IN AN AUTO ACCIDENT, AND MY VEHICLE WAS AT THE TOW YARD. I HAD AN AGREEMENT, WITH THE TOW YARD, TO STORE MY VEHICLE THERE, UNTIL I WAS ABLE TO HAVE MY VEHICLE REPAIRED. I WAS MAKING PAYMENTS, TO THE TOWING COMPANY, AT XXXX DOLLARS A DAY, IN ORDER TO HOLD MY VEHICLE THERE. CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, FROM THE TOW YARD, WHEN I HAD ON-TIME PAYMENTS. THERE WAS NOT A REASON, FOR CAPITAL ONE AUTO TO REPOSSESS MY VEHICLE. THE TOWING COMPANY WAS NOT GOING TO SELL MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.

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 2022-07-25 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: NV

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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