vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was contacted on XXXX XXXX via my cell phone from a number identified as Chase Bank Private Client Services. The man identified himself as a Chase employee from the security department. He asked me if I had been using my card at a few merchants such as XXXX, XXXX etc. for large dollar amounts such as {$1000.00} - {$1500.00}. I was at home at the time and had not done the transactions. He asked me if I had the card in my possession and I did. He asked me to confirm the card number and I did. He then told me that there was a pending wire transfer for {$17000.00} and asked me if that was mine. I told him it was not. 

I do not know how this next part happened as I do not recall signing into my account via my phone. but there was a legit looking wire transfer screen that showed my account number, the dollar amount referenced above and an input field. He told me that I needed to input the wire amount into the box to put the money back into my account. I did this and I did see the money go back in and then the account zeroed out. I asked him why, and he said it takes a bit to redistribute the money as they had drained XXXX deposit accounts into this XXXX account. He kept me on the phone for about 15 minutes and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-24 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected :

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 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX, financed through capital one auto. In XX/XX/XXXX I reported the car stolen. The police found the vehicle and it was impounded. My father was the main lean holder on the loan. My father called capital one and informed them that the car was stolen and it was impounded in result of that. Me and my father thought it was best if we surrendered the vehicle. So to our acknowledgment, we thought capital one was getting the vehicle from the impound. 4 years later, we found out the vehicle was never picked up by capital one. Instead they left the vehicle there and never informed us that they werent getting the vehicle. A month after being impounded the impound place applied for the title since the car was considered abandoned and then sold the vehicle. Capital one then reported in XXXX an increase in their amount. For 4 years they have been reporting {$10000.00}. Now they are reporting {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-01-24 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: NY

Complaint narrative:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: TN

Complaint narrative:
In or around XX/XX/XXXX, we opened a free checking account with Synovus in conjunction with a HELOC. The checking account was a " Free Checking '' with no balance requirements or fees. Starting in late XXXX, Synovus failed to send regularly periodic account statements. Beginning in XX/XX/XXXX, Synovus began charging a dormant account fee. Synovus ( 1 ) did not adequate disclose the account fee, ( 2 ) did not provide proper notice that it would charge a dormant account fee, and ( 3 ) did not provide regularly periodic statements that showed it was charging a dormant account fee so that we could timely resolve the alleged dormancy. We do not have recordings showing that the dormant account fee was a term we accepted when we opened the account. Upon information and belief, this was a unilateral term that Synovus later imposed without providing sufficient notice and disclosure. Ultimately, Synovus depleted all remaining funds in the account. 

In XX/XX/XXXX, we went to Synovus to close the account. We were told about the dormant account fees and that there were no funds to resolve. The bank would not resolve the issue with us. We closed the account. 

On XX/XX/XXXX, Synovus sent us an account statement showing the dormant account fees. The statement explicitly states that the last statement Synovus sent was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION
State: CA

Complaint narrative:
Wheres my money deb and XXXX XXXX  U stole money. I demanded its return. You ignored me and passed off the problem to XXXX XXXX a servicer. 

Wheres my money!!! My XXXX wrote several XXXX dollars was taken from payment you got and u applied it to an escrow. He failed. You failed. The XXXX  team failed. Everyone failed. To EXPLAIN WHERE THAT MONEY IS. 

WHERES MY MONEY ALAMEDA MORTGAGE. 

Wheres the hundreds of dollars you applied to an escrow account???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: LA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Auto Finance was put on notice and provided an Affidavit of Truth regarding the alleged debt. Today XX/XX/2023 makes two weeks that TD Auto Finance  has received the affidavit of truth as shown in the Exhibit A. An affidavit must be rebutted point for point and they have not provided in the time frame of 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I suspect fraudulent activity may have occurred on my account as I do my finances and expect the amount to be in my account and sometimes its the complete opposite or lower than what I expected I want a full investigation to make sure my account was not tampered with.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2023-01-24 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: IL

Complaint narrative:
I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX Balance : {$340.00} - XXXX believe this account is reporting inaccurately. I do not believe I was XXXX XXXX XXXX XXXX this account presents. I keep records of my payments and I always make my payments on time, XXXX XXXX XXXX XXXX. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this information was reported without my consent, collection agency, XXXX XXXX XXXX, i dispute it with the 3 credit reporting agencies, date assigned, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: VA

Complaint narrative:
The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24 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: VA

Complaint narrative:
The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: VA

Complaint narrative:
The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified Experian that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
On XX/XX/2022 I withdrew money from the bank ATM and the ATM dispensed a damaged {$20.00} bill. I took the bill and went to a banker to have the bill exchanged. The banker, XXXX XXXX, gave me a hard time with exchanging the bill by failing to document the bill exchange within the bank database. Her supervisor, XXXX XXXX came and XXXX XXXX XXXX for requesting proof of the exchange. She threatened me to leave the branch or else Later I received a letter that all my accounts would be closed as of XXXX at the banks discretion. The branch XXXX used XXXX on me during our interaction on XXXX and XXXX XXXX XXXX  without merit.

Company response to consumer: Closed with explanation