vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.

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 2022-09-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested a new debit card from Chase freedom. 
The card arrived a week later. I destroyed the old card. 
On XX/XX/XXXX, I received a text message that said a fraud transaction has been detected on your debit card. Do you recognize it? I responded NO. They said they will deactivate the card and send me a new one. 
On XX/XX/XXXX I noticed that there are a lot of transactions happening on the old card. I immediately contacted the bank and notified them ( within the 48 hours deadline of reporting fraud for debit cards ). They filed three claims. 
1.Gas station : XXXX 2.ATM : two transactions of XXXX 3. Online transactions : XXXX, XXXX, XXXX, XXXX I got a response that the first claim is accepted. 
The second claim got rejected because the ATM was close to my house address and they say the card owner had access to the physical card. 
The third one is still pending. 
I have witnesses that at the time that the card was being used I was at home. The new card is in physical possession. Chronologically, how is it possible that the first transaction is fraud and the rest of the transactions are not fraud? 
How is it possible that I got a text suspecting that this is fraud transaction, and I confirmed this is fraud but after investigations they say the thief has used the chip and it is impossible to replicate. 
I would like to know why didn't the company deactivate the old version of the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

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 2022-09-30 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: GA

Complaint narrative:
A fake loan company scammed be out of XXXX I told my bank ( wells Fargo ) and they gave me temporary credit but since they can only see my transaction they took the credit back and no my account is negative XXXX. The company took photos and websites from a real loan company and said I would receive a loan but instead they took my 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Orion Capital Solutions LLC
State: NM

Complaint narrative:
On XX/XX/XXXX at XXXX MST I received a call from a XXXX at Orion Capital Solutions , he gave me some information about a contract/debt owed and then said he assumed that I wanted to take care of this. I asked if notification had been sent, he said an email had been sent. I asked if a letter had been sent to my po box , and he asked what good would that do as an email had been sent. I informed him I had not received an email and he started saying that I don't need to raise my voice. I calmly told him that I was not raising my voice, I just want to have a verification of the debt as is my right. He said he would just assume that I didn't want to take care of it then wished me good luck and hung up. He then IMMEDIATELY called my wife and left a very threatening message telling her how I was an extremely difficult individual and all I wanted to do was argue. He mentioned a property assessment report and verification of income. Then ended the message to her with " I apologize for the headache this is going to cause because your husband thinks he needs to talk to people in a certain way ''. I called him right after hearing that and he was angry and again hung up on me. I called him back again and he answered the phone with " What do I need to do to get you to stop calling me? '' He also said that I already told him I wasn't going to take care of this debt and there was nothing more to discuss. I never said that, I only asked questions. This is text book aggressive practices and trying to play a wife against a husband is extremely unethical, not to mention suggesting there would be future problems after telling her about property assessments and income to me suggests they are telling her it would be financial problems coming from this.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: CO

Complaint narrative:
Bankmobile Technologies, a subsidiary of XXXXXXXX XXXX, solicited me to open up an account with them via my relationship with XXXX. I had no problems with the initial opening of the account and received my physical debit card. I used that to access my account on-line and proceeded to fund my account {$1000.00}. After going through the verification process, on XXXX XX/XX/XXXX, XXXX XXXX XXXX took the {$1000.00} from my XXXX XXXX  account that I wanted to fund the account and on XXXX XX/XX/XXXX restricted my account with my {$1000.00} being in the account. The cryptic e-mail stated that there was unusual activity on my account and when I called, the customer service agent had me repeat my personal verification information multiple times leading me to believe that this " bank '' is a scam or engaged in fraud or some other nefarious purpose to lure XXXX  customers into giving their hard earned money to XXXX. After speaking to XXXX, a supervisor, he said that they can not tell me why my account was restricted but " after 5 days '' someone will call me. I asked to close my account, but because the account is restricted, they would not. This " bank '' will now have {$1000.00} of my money and I have no access to it nor can I get it back until they determine some arbitrary issue. If my account has been hacked, I have a legal right to know. If their bank has been hacked, just like XXXX had their customer records hacked into not too long ago, I have a legal right to know. Consumers can not trust financial institutions that hide in secrecy and do not tell consumers the truth about what is going on with their account and their money. While it's cute to have a black and purple debit card, just like the horrible coverage and service XXXX provides via cellular services, it is not surprising that they would partner with a suspicious " bank '' that provides even worse support and service.

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 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Aside from a copied letter with the letterhead showing as Centralized Mail, Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX I have not received ANYTHING else from Chase Bank and have received NOTHING from my servicing Chase Bank officials as to whether this is a VALID DEBIT owed to whom or if this was/is the IRS whom I paid {$12000.00} XXXX XX/XX/XXXX and {$190.00} on XX/XX/XXXX, totaling {$12000.00} resolve my taxes due for tax year XXXX. I made these online payments to the online IRS payment portals listed on the IRS letters IRS mailed to me. These payments are recorded as paid out on my Chase savings statement for each of these two separate payments to the IRS. It appears that for whatever reason, IRS did not receive these payments or my payments were no credited to my IRS account. I am unable to resolve this with my Chase banking officials because the letter I received references a debt of {$73000.00} which is EXORBITANT for IRS which I now believe is a SCAM. In addition, if it is a valid debt someone would have contacted me to follow up on this alleged debt. Chase won't give me the courtesy of advising me WHO IS THE DEBTOR. I have a clean record credit record attached. I have never filed for bankruptcy and my current XXXX  is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Good morning My name is XXXX and i face a really weird situation regarding Chase Bank and I'm writing to you because I do really need help. 

I had 2 employers and at the mid of XX/XX/2022 i uploaded online in my bank account ( Chase Bank ) 4 paychecks : 3 from employer XXXX and 1 paycheck from employer XXXX XXXX. Next days my bank account was closed. 

I visited Chase Bank and they told me that happened because the paychecks need to be verified because it was a suspicious that may be a fraud. So it will take couple days. I was waiting till end on XXXX. After that, they told me that they verified the 3 paychecks from the first employer and it's ok, but they can't verify the 1 paycheck from the second employer cause they don't have a phone number. So, all the amount from the bank account ( including the 3 verified paychecks ) was, ,frozen '' and hold by Chase Bank XXXX 

I tried to provide a lot of phone numbers from my employer but Chase refused to use them because they are not in their database. 
Also, my employer contacted them, but Chase Bank told us that they don't accept the verification and only Chase can call the employer not viceversa. Even, if the paycheck contain the mail address of my employer, the verification can be done only by phone. 

My employer ( they work with XXXX XXXX ) filled an application to recall the funds. Chase bank refused to return the money to my employer. So, at this point, Chase hold all the money and don't want to give it to me, but also don't want to return to my employer. 
So it's been almost 3 months and we cant solve this issue. 
Please help me. If additional information may be needed, i can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclay XXXX XXXX is charging for purchases that i did not make or agree too. They have also contacted the Credit Reporting Companies and Lowered my Credit Rating, which is very Injurious to my Financial Ability

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 2022-09-30 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: DC

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX, XXXX, XXXX XXXX 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 an 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 2022-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I do not have a Wells Fargo account so this is some scam. 
Yesterday XXXX texted me this - WF Alert : The XXXX USD you spent at XXXX on XXXX XXXX has been authorized. You not? Click https : XXXX to dispute. 
Now today XXXX texted me this - Wells Fargo Bank Alert : We have currently restricted your access to Wells Fargo Bank Online Banking due to suspicious activity, visit : https : //www.wellsalerts.com/? Login

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i never signed for any of these charges and I never provided my credit card as none of these charges show that my credit card was swiped or used. 

I contacted WF when I saw the charge on XX/XX/XXXX that this was not my charge and that I had heard from XXXX that they had issues with charges being placed on credit cards from information they had obtained. XXXX directed me to contact WF to remove the fraudulent charges. I asked WF to block this merchant so it would not occur again and they stated they blocked them. I contacted WF and asked them to block this merchant every time another charge appeared the next month. WF told me they blocked them but failed to do so. Finally, the last month a charge appeared WF informed me that it showed that I requested to block the merchant but the prior reps had not properly blocked the merchant so this rep blocked them. Then no more charges appeared. 

I have filed this Complaint and Reconsiderations with Wells Fargo multiple times and they just ignore it, fail to remedy, and state that I am responsible because I continued to pay on the account as several letters from WF state. They claimed it was sent to fraud and nonfraud. 

I was told immediately that the person handling this matter was new and failed to properly file the claim. WF may then have been out of time to file the claim so failed to resolve it. 

i will never pay for these charges as they are not my responsibility. WF mishandled the claims all along and are responsible to correct them. This has taken up huge amounts of my credit, caused huge interest charges, and lowered my credit as a result.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
An account at PenFed Credit Union was opened in my name. I learned of this by letter from PenFed dated XX/XX/2022.

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 2022-09-30 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I have tried multiple times to fix an inaccurate account on my report with experian. Acima credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for XXXX and Acima to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

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 2022-09-30 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: NJ

Complaint narrative:
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXXXXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation