vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX, Chase Bank froze my checking and savings account, due to a false fraud allegation on a wire transfer of {$140000.00}. The money was transferred from my joint XXXX account with my mother and sister. My mother wanted me to transfer the funds due to an elder abuse investigation opened against my sister. My mother didnt trust my sister anymore. Chase closed my account on XXXX. I called about the return of my funds, and were told multiple answers as to return of my funds, such as : all the money was withdrawn, a check was cut, the check was destroyed, all the money had been withdrawn again, and then to go into the bank and speak with an employee for assistance. I went into the bank in XXXX Michigan. They told me a check was cut on the XXXX of XXXX, and to come back in if I didnt receive it by XXXX. I didnt receive it. Chase called the main bank, and now I was told the check was mailed on XXXX and to come back in, if I didnt receive it by XXXX. Today is XXXX and I still havent received my funds from my savings and checking totaling a little over {$170000.00}. Please help have my money returned to me. It feels like Chase doesnt want to return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Self Financial Inc.
State: NV

Complaint narrative:
There is an account that shows on my credit report, the name of the company is Self/XXXXXXXX  XXXX it shows the account was opened on XX/XX/XXXX, for the amount owed of $ XXXX.This account is not mine. I have an account with this company, this account I have not participated in or had any knowledge of this account. I am concerned with the company 's legitimacy with the accounts that I do have there are multiple inaccuracies, I have never had a late payment. On XX/XX/XXXX, I checked my credit report and filed a dispute. I'm in the process of taking each step from the company to get this matter resolved. I was told to submit a police report, an identity theft report. I am concerned that my information has been compromised and used for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.

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 2022-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
This co united collection bureau inc calls several times a day calling with 2 different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 

I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
. 



I. Purposely, granted original Forbearance period to start after 2 month delinquent status XXXX XXXX XXXX XXXX XXXX. Applied in XXXX XXXX, Forbearance Application completed XX/XX/XXXX stated in a letter dated XX/XX/XXXX? Started XX/XX/XXXX, ( 6 months application process ). 



II. Request for all loan history ( prior to acquisition XX/XX/XXXX ) including payment, promissory note, etc. honored only in part. 



III. Discouraged financial management of account by : * Discriminated against by removing access to online services, e.g. Online payments, account history, etc. Had to phone in all payments, waiting on hold for hours, disconnected often * Phone conversation resolution, reporting of status differed with each representative, and refusal of conversation recording. 
* Not clear what kind of agreement or type of forbearance ( i.e. 
COVID/unemployment ) I was under at any time following XX/XX/XXXX. 
* Sent Default Notice XX/XX/XXXX after unable to accept XXXX XXXX offer ( monthly rate exceeded my income by 107 %. ) And after paying full mortgage payments of {$2300.00} XX/XX/XXXX - XX/XX/XXXX. 
* Requested proof for reasons for denial of resolution offers XXXX. 
delinquency period disqualification with payment history. 
* XXXX XXXX XXXX XXXX ( XXXX ) not given access to. Given several " Mitigation Advocate '' contacts in writing but denied access or communication with this single point of contact. Forced to discuss with new representative each time with a different status of my account reported. To date I have no idea if my house is in foreclosure, default or status of the current completed assistance application

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 2022-09-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 explanation
Consumer complaint received 2022-09-20 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: OR

Complaint narrative:
I have an account in good standing with Gemini Trust Company , LLC of New York. My home state is Oregon where it is XXXX Gemini Exchange, LLC. I have had the account for around a year. I have used the account in the past to successfully withdraw money. On XX/XX/2022 I attempted to withdraw some funds from my account and was refused due to a 'security hold '. I filed an inquiry with the support center and was told to submit a picture of me, holding my driver 's license ( the document I used to XXXX  originally ) including the date and a code supplied to me. I did as required and have not heard back from the company since despite numerous attempts to both withdraw funds and to contact customer support and get NO RESPONSE. The open support request tickets I have with the company are : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # XXXX ( XXXX XXXX XXXX XXXX  ) has violated my rights. 

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

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 2022-09-20 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: GA

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB.

Equifax who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts and consumer statement listed below be removed immediately.

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Equifax written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX XXXX reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 -Erroneous consumer statement with inaccurate info about an inquiry that has not been resolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: RI

Complaint narrative:
XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Charging late fees when paid on time!!! Unable to pay my bill without being charged XXXX processing fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: Credit Karma, LLC
State: NY

Complaint narrative:
Credit karma has been falsely giving preapproval under under their websites for a different credit card information telling me that I was approved and then when I applied I was denied by several different companies which affected my score with false reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

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 2022-09-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
To Whom it May Concern ; This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged the obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC 1692g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 2 9 n Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report and compensate me for my mental as well as financial distress Account # XXXX

Company response to consumer: Closed with explanation