vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2022 Wells Fargo let a 4D contract creditor freeze my checking, savings and my daughter 's savings accounts WITHOUT an actual court order. They froze all of my accounts leaving me without my mortgage payment and my daughters savings money. When my account finally got released 3 months later it was empty except for my credit card balance that was way overdue. They gave this fraudulent company {$1100.00}. Nobody in the Wells Fargo legal dept. did not, have not and will not answer any of my phone calls or emails. I am still today waiting for a response from them. I get the run around from everyone that I talk to no matter who it is. I'm seeking payment for the money they stole from us as well as financial injury, health and mental stress for me and my daughter both for the 3 months it put me behind on all of my financial obligations and responsibilities including food, water, electric, gas, car insurance to get her to school.

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 2023-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each 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 2023-06-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a deposit of {$2600.00} in an ATM Machine inside one bank America bank building. The amount of money was never posted in my account. I created a claim and the bank gave me a credit of {$2600.00} after 10 days. A month after now my account is in negative for {$2600.00} dollar. They closed the claim ticket and never reach out to me. I work for a rental company, one of the tenant send me that money to pay his rent and I send that money to me boss which is the landlord. I dont have that money and it was never mine money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any 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
Consumer complaint received 2023-06-09 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LVNV FUNDING LLC used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LVNV FUNDING LLC reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. 

Current Issue : XXXX provided my credit report to Citi Bank despite freeze being in place. 

History : On XX/XX/XXXX XXXX PST, I received an email from Citi Bank / AAdvantage MasterCard that an application was pending under my name and information. 

I called the Citi Credit Card contact number at XXXX PST the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. 

At XXXXXXXX PST same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. 

At XXXX PST the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that XXXX had provided the credit report. 

I double checked on XXXX Website to verify that I still had my credit freeze in place.

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 2023-06-09 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: GA

Complaint narrative:
I am XXXX XXXX, and I am personally submitting this request to resolve the errors on my Credit Reports. In addition to failing to investigate the inaccuracies and unverifiable accounts on my report, they never sent appropriate account validation. They assured me that it had been verified, but they never sent me any form of verification or an original contract containing my signature. They have demonstrated negligence and a refusal to comply with my request. I am certain that they must comply with the Fair Credit Reporting Act law, provide evidence, documents, and provide definitive and accurate responses within the statutory time frame. However, if they fail to do so, they are required to remove the incorrect and unverified content. Their adverse and unacceptable actions have had a devastating effect on my credit scores. Please see below for my specific concerns : 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 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase restricted my account out of nowhere when I made a couple of claims for amounts I didnt spend, this was done on XX/XX/02. It is set for closure by Monday. They have more than XXXX dollars on hold which were for my rent. I called multiple times and they said that theres nothing to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: PA

Complaint narrative:
I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XACTUS Date of inquiry : 11/03/2021 Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft.

XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete 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 2023-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL

Complaint narrative:
XXXX XXXX Receive Escrow Analysis Letter from Annie Mac Home Mortgage stating Surplus amount of {$970.00} would be sent to me via check if account current within 30 days of receipt of the letter. 

XXXX XXXX XXXX Each month had to call customer service at XXXX to make payment as they stopped sending monthly statements to me. Inquired each month as to why I never received my escrow surplus check, agents claimed that it showed in system, requested check be sent- verified account not past due. They were unsure as to why the check was not sent. 

XXXX XXXX Called to make May mortgage payment again, no statements received still. Inquired about escrow check again, agent verified Escrow check amount had been wiped out of system and check denied for past due account. Agent verified account was not past due. Agent suggested I email the company at XXXX and ask for formal inquiry. 

XX/XX/XXXX, XXXX sent email with copy of escrow analysis letter, copied personal lawyer on email, to Annie Mac XXXX giving them 7 business days to resume sending monthly statements and to send my escrow surplus check or would file formal complaints with government agencies. 

Receive letter dated XX/XX/2023 from AnnieMac that they acknowledge receipt of my email and would respond via mail within legal time limits. 

XX/XX/XXXX, XXXX Called once again to Annie Mac , no statement received, no further reply nor check received. Agent reads to me notes in system saying check denied on XX/XX/XXXX for account status being past due and increase of insurance premiums. Agent verifies account in current status- monies received by Annie Mac being put in suspense account rather than posted to monthly mortgage payment due. Agent initials XXXX, stated she was very apologetic for what her company was doing and had no explanation for them not sending my surplus check. Tried to escalate my call to a supervisor- but they would not take my call. 
Advised agent I was formally filing complaints with all government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Two years ago, XX/XX/2021, I was victim to financial fraud for a sublease apartment that was a false advertisement/ scam. 

I applied for the apartment, as is common practice, giving them my personal information and also sent them four rent deposit payments through Chase BankXXXX for the sum of {$4800.00}. 

I was persuaded and sent the payment under false pretenses. Once the payments were sent, the apartment lender stopped contact and never fulfilled the apartment agreement. 

I contacted Chase Bank immediately to stop or intercept the payments, however, Chase said they would not be able to help me ( Claim Number : XXXX ). I also immediately contacted XXXX however they said I would need to contact my financial institution ( Chase ) to dispute the charges. No action was taken to help me and I was caught in the gap between the two financial services.

Because of the seriousness of the issue, I opened a case with the Police Department and reported it to the IC3 ( internet crime complaint center ) run by the FBI. The police department detective never resolved the case/ discovered who the perpetrator was, saying that because the bank facilitated the transaction, they should have the information on the perpetrator. However, the bank did not or said they could not disclose that information to me. 

At the time, due to covid, I did not have resources beyond this to investigate the issue. 

I looked up that while other money transfer options like XXXX are not FDIC-Insured, XXXX is directly affiliated with my bank and account. 

I am filing a claim with CFPB because I also looked up that under 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) by the Federal Reserve Board consumers should be protected from accidental transfers and forms of fraud when they use electronic fund and remittance transfers.

Company response to consumer: Closed with explanation