vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
BE ADVISED, I AM NOT A CHASE BANK CUSTOMER so they are limited in what they will provide me, My lawyer who is the sender of the transfer, is getting the same infomation I have recieved, CHASE has advised him that I would need to file a claim with XXXX XXXX. 

On XX/XX/XXXX I recieved a wire transfer from my lawyer via CHASE BANK to my savings account with XXXX XXXX which was a settlement from an auto accident. At or around XX/XX/XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account but was unable to access said funds. I went to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to 90 days to be completed. 
XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to CHASE BANK and CHASE would have to re-distribute funds back to me via the original sender. I asked for a tracking number of the funds that was sent back, I recieved the tracking XXXX number showing that the funds were indeed sent back to Chase. 
On XX/XX/XXXX CHASE BANK states that the funds were recieved and that the funds would be released to my Lawyer who was the original sender of the wire so that he may re-distribute the funds to me which would take 5-7 business days to be released. Funds were not released, and nothing transpired till XX/XX/XXXX, CHASE NOTIFIED my lawyer that the funds were sent back to XXXXXXXX XXXX because the account that was affilated with the wire transfer was closed. 
I have asked for a confirmation number showing that the funds were sent back to XXXX XXXX, I have not recieved any information as of yet, CHASE is advising me to open a claim again XXXX XXXX for the missing funds, XXXX XXXX is asking for the XXXX CONFIRMATION OF FUNDS SENT. I need CHASE bank to show proof that money was indeed sent back to my XXXX XXXXL ACCOUNT.PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For my business account Was charged a XXXX XXXX monthly fee Account had {$3000.00} in the account with a {$2000.00} min for not incur any fees Call Reference XXXX requested that a formal complaint be filed AND this be escalated and was refused by agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
I filled a complaint with the FTC about the fraud on my account XXXX. 
On Saturday I paid {$46.00} and some change for furniture that was on a fraud XXXX account that I found scrolling through XXXX I thought I was purchasing furniture on XXXX it looked legit, I paid and received a receipt and order number, I called XXXX Monday and they told me that order id does not exist, and asked if I purchased on social media I said yes and they told me that I been scammed and that this has been an issue for quite some time. Now I'm stuck trying to receive my money I contacted cash app and told them of this and they refuse to do anything about it and even told me that there's nothing they can do except for me to call my local authorities, I have even told them I filed a complaint with the FTC, on cash app the company that got my money is XXXX XXXXXXXX and it shows it as a store, well I have not received any Will not receive the goods I have ordered because that company was pretending to be XXXX and now I'm without {$46.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report 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  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report 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  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FCO etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-02-27 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXXXXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-27 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: CA

Complaint narrative:
In XX/XX/XXXX, I received a message from MOHELA stating that I have until XX/XX/XXXX to recertify my XXXX plan, however on their website, my IDR recertification date was listed as XX/XX/XXXX. On the studentaid.gov website, it clearly states the following : " The earliest you could be required to recertify is XX/XX/XXXX. 

On your account XXXX XXXX page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' When I stated the above to MOHELA, they said I should just recertify to avoid problems. I spoke with Federal Student Aid and submitted a complaint on their page based on their recommendation on XX/XX/XXXX. That complaint is still pending and apparently has been escalated, but I do not have a timeline on when this will be resolved. 

Since then, MOHELA has increased my monthly payments by almost 1600 % and when I called them on XX/XX/XXXX to enter into forbearance while this issue with resolved, they began to tell me that my XXXX anniversary date is XX/XX/XXXX and that is why I need to recertify over the phone with them now. When I asked them where they got this date from, they simply told me this is the date " in their system '' and that it is not their fault that I can not see this date on my account on their website. When I told them that their website is showing me an XXXX renewal date of XX/XX/XXXX, they told me that they do not know where I am getting that date from, and they do not see this date, they only see XX/XX/XXXX. They tried to push me to recertify, but I asked to have a supervisor speak to me, and a supervisor never called me back. The only place I see the date of XX/XX/XXXX anywhere tied to my loans on the MOHELA website is that this is the date of my next bill. 

I went to XXXX again and downloaded My Aid Data from my account on the website, and saw in all that information that my XXXX anniversary date was listed as XX/XX/XXXX. 

I currently have no trust in MOHELA and do not know where to get accurate information from other than FSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony is scamming it's consumers by allowing an " autopay '' feature that is misleading in its description as it does not actually auto draft your account every payment period, but only for the NEXT payment meaning you are consistently having to pay late fees ( {$41.00} ) for missed payments under the impression you are setting up a permenant feature. The company will then notify you that payment was due ( which you will ignore because you set up auto pay ) seemingly to intentionally collect fees from unsuspecting consumers who expect the features to work as reasonably expected. Despite repeated attempts to figure it out with a person, the only option for resolution is to speak with a robot chat box that does not offer solutions.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXXXXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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