vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to a fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XX/XX/2023 I tried to use my debit card to do a purchase, only to find out that My bank of America account was closed, without notice. 
Without any explanation. After that I tried using my business debit card I was told that the was not authorized. So basically on a Friday at XXXX XXXX XXXX  I could buy grocery or gas nothing I was left with no money the bank locked me out of my bank account no access to my money. 
Then called the bank and 3 hours later after asking to speak to a manager I was told that all of my bank accounts will be close because of a banking business decision. 
I then went in to the bank on XX/XX/2023, I was then told that I would not have access to my money until the send me a check in XXXX. 
I pleaded with them to release mu funds so I can leave the refused. 
I need to pay my bills I am not able to do anything without money my business account no access. I could not conduct any transitions. to make an income. This is very disturbing. 
That a bank can hold on to my funds and put me in a very bad situation. I could function for days without money. I am single XXXX women with other way to make an income but to work for it. 
Please you help me to get my funds back.

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 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Home received extensive storm damage resulting in a $ XXXX insurance claim. 

Received $ XXXX check from insurance company and brought it to my local chase branch on XX/XX/23. 

I contact chase several times to see where the money is as repairs have begun ( I had holes in my roof ) and receive no satisfactory response so I am forced to begin to pay for repairs to my home, that insurance has already sent payment for, that I can not access. I pay over $ 100k of my own funds to cover these repairs. 

On XXXX XXXX, 12 days after submission I receive $ XXXX. 

I then request an inspection to obtain the next portion of funds since repairs are 50 % complete and 70 % of the ( my own funds covering ) money has been spent. 

Here 's how that first inspection went. 
I request an inspection on XX/XX/XXXX, the soonest I am able to request. On XX/XX/XXXX I'm given inspection availability options. I pick the first one available on XX/XX/XXXX. I call daily after the XX/XX/XXXX inspection to get results. Nothing appears until XX/XX/XXXX when I am finally informed I failed the inspection. 

The inspector walked past $ XXXX in materials and a dozen people installing another $ XXXX on the roof. But because a single interior room that would cost {$500.00} in paint and drywall to fix was not fixed, I failed the inspection. Obviously the roof needs to be repaired prior to cosmetic fixes. 

It is now XX/XX/XXXX. Nearly 30 days after handing $ XXXX to chase that they are unreasonably denying access to. 

They have been contacted daily. I am no longer receiving responses from chase and I am not being allowed access to my insurance settlement despite having paid for much of the repair out of my own funds. 

I note chase has outsourced this function. Chase still has the duty to monitor the process. If I had not had my own funds obviously structural damage would have occurred due to their unreasonably withholding funds, which runs contrary to their supposed " interest '' int he property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
I tried switching over to XXXX and was waiting for my number to port over like the representative told me, but they did not complete it. I called XXXX numerous times trying to find a resolution or an explanation, but they kept giving me the runaround. My service with XXXX  was never fully active, and I was never able to make nor receive calls. What makes this matter even more complex, is the fact that I signed up with XXXX because they promised me better service and no hassles, but that was exactly what I received. 
As a cause to all of this, I ended up switching my service over to XXXX, and XXXX ended up charging me {$85.00} and even sent it to a collection agency. I received numerous calls from the collection agency, and I made an agreement with the collection agency ( the only reason I made a payment for services I never received was because they promised to remove everything from my record and write it off completely ). After numerous months, I have once again started receiving calls asking that I once again pay the {$85.00} that I already paid. I need help with this immediately and need this removed and resolved as soon as possible. 
The representatives from Frontline Asset Strategies confirmed that I made a payment already but did not have the part that stated that this matter was taken care and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/2023 I noticed that I had a charge on a previous debit card with Netspend ending in XXXX. The charge originated from XXXX XXXX in the amount of {$16.00}. with a {$1.00} charge from Netspend ( totaling {$18.00} ) Within the following week I notified Netspend of the disputed charges by email. I was told to do a follow-up letter within 10 days about the disputed charges. However, the fax number that was given was busy on all occasions and the fax would not go through. 

Subsequently, I spoke to a representative from netspend and they explained that the inquiry was in process and they would let me know the results from XXXX XXXX. 
I finally got a fax to the company, and they said that they would notify me within 3 days. 
I came across an internet article stating that there had been a recent filing with the FCC concerning XXXX 's charging subscriptions to their customers and making it difficult to reimburse the charges. I am a victim to this practice and requested in my fax to Netspend that I wanted to be reimbursed for any other charges occurred on my account that I did not notice. I contacted Netspend again on XXXX XXXX and they stated they would not conclude their inquiry until XX/XX/XXXX. This practice is not acceptable and they Consumer Protection Bureau should make XXXX XXXX forthwith reimburse all affected consumers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to deposit a check from another bank into this bank and they suspected it as being fraud. They have been holding my check for months even after I provided several documents proving the funds belonged to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have reached out time and time again trying to get these inquiries off of my credit report never did I ever give permission to check my credit 12 times I am being harassed and want these removed off of 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 explanation
Consumer complaint received 2023-07-26 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: LA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
Dear Experian, XXXX and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXXXXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : DeptedXXXX  Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per 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 2023-07-26 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:
Dear XXXX, XXXX and Transunion I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per 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 non-monetary relief
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
Dear XXXX, Equifax and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Me and some friend 's went to a gentleman 's club and I used my debit card to purchase drinks there, I never withdrew any cash from the location, and only used it to purchase about XXXX $ worth of drinks. However, next morning, I was charged XXXX $ for the drinks, plus an additional XXXX $ or so by a company named XXXX XXXX. Someone in that establishment is charging people money to a fake company that is listed as a " XXXX. '' On my Wells Fargo transactions. Wells Fargo has looked through the transactions and returned XXXX $ but since the transactions ( multiple totally over {$1200.00} ) we're fraudulent I believe they should return all my funds. Wells Fargo ended up removing the transactions from my transaction history, making it seem as if it never happened, and the remainder of XXXX + XXXX that was transacted on XX/XX/XXXX by Wells Fargo, authorized on XX/XX/XXXX, was deemed a legitimate transaction. I've called the bank and they just said a executive will call me, once they have looked through it again. I know for a fact I did not order any food from the gentleman 's club, I don't even think they serve food and it is highly unusual for an establishment to charge a person 's card under another business entity. It is clearly fraud and I would like my money back. They literally swept the whole thing under the rug and made it seem like this " company '' that charged me wasn't trying to drain my entire bank account, so they can charge me for a smaller amount and get away with it. It's unethical.

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