vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: NJ

Complaint narrative:
On XX/XX/XXXX, I received a notification that my checking account was overdrawn. When I took a look, I saw that over the course of 2 days XX/XX/XXXX and XX/XX/XXXX, there were multiple charges from XXXX XXXX totaling over {$4000.00}. When I looked at the app I noted that these charges were made within minutes of each other in large amounts up to {$400.00}. I will admit that I have the XXXX 's app on my phone and that I have used it. But my usage is minimal and not with the frequency or the amounts that it was utilized over those two days XX/XX/XXXX and XX/XX/XXXX I immediately called XXXX 's to report this. That evening I obtained a police report and faxed a copy to XXXX 's and Chase Bank where I have my checking account. XXXX 's told me that they were able to trace the transactions to my cell phone. I worked long days on XX/XX/XXXX and XXXX. I am an XXXX XXXX XXXX XXXXXXXX at an assisted living facility and not allowed to carry my personal cell phone on me. I have been given a cell phone provided by my employer that I carry instead. My cell phone in the wallet case that allows me to store my driver 's license, credit card, debit card, is left on a desk in the office while I'm out working and running around on the floor. I hate to believe that someone got a hold of my phone and went into the valley app where my debit card is connected and ran up all those charges. I work in a very busy building. We have third-party providers my coworkers, residents, their families and visitors. I can only imagine that someone accessed my phone without my knowledge. Yes, I have played online games with XXXX 's casino. But I did not play over {$4000.00} worth in such a short amount of time. I'm a single mom with a mortgage and I'm currently in the process of refinancing my mortgage. I am the sole provider for my family, including my MotheXXXX. While taking a closer look at these transactions, it was clear that my bank continued to authorize payments to XXXX 's even after my account was already overdrawn. On XX/XX/XXXX I also contacted my bank to notify them of all of these charges that I did not authorize. At the conclusion of their investigation, I was notified that my claim was denied because XXXX 's confirmed that the transactions were made from my cell phone, the same phone used for previous transactions made through their app that I've admitted were mine. But I stressed to them that I did not authorize the transactions made on XX/XX/XXXX and XX/XX/XXXX! I need help recovering the money that was essentially stolen from me. Please. My checking account remains overdrawn. I have automatic payments being presented to my bank. My mortgage payment was returned and NSF fees continue to accrue. This has been awful. I have canceled my credit card and closed my XXXX 's account, because I'm sure that whoever did this has also written down my information to take with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
The mortgage loan number XXXX was obtained in XX/XX/XXXX. I made my first payment XX/XX/XXXX. I have paid monthly until the payment I set up for XX/XX/XXXX would not be accepted at the previous address in XXXX, XXXX. The letter telling me not to send any checks to XXXX arrived on XX/XX/XXXX with a new loan number XXXX. I had to put a stop payment on that check and issued another payment to the address I was given in XXXX, NJ. I sent a payment to the new address on XX/XX/XXXX. On XX/XX/XXXX, I received notice from my bank 's Bill Pay that the payment had been rejected. After calling both the old loan processing center and the new processing center i was told the new center would not accept a payment until XX/XX/XXXX. That makes no sense and just allows them to collect more interest and more late penalties. After insisting that I needed a place to send my payment I was given a po box in LA and told to mail a hand written check with the new loan number on it to the po box . I will put a check in the mail. I have no payment coupon and it will not arrive on time. The mortgage company can then collect more interest on the outstanding balance which I am trying to reduce to 0 as soon as possible. This seems like a scam. I have tried my best and spent over 2 hours on the phone with them. It seems like they didn't have the transition in place before sending the letter to change my loan number and payment address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of XXXX as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.

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 2023-05-04 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: MO

Complaint narrative:
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS.

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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

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 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I notified to company to cease and desist back in 2021 and made them aware this was harassing and fraudulent to indicate I the consumer could be liable for this alleged balance and how the FDCPA and FCRA both protect me and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I received a {$70.00} deposit today XXXX XXXX XXXX  I made a couple of purchases and then was declined for a {$19.00} transaction when i should have had a {$50.00} available balance, I looked on the app and there was nothing justifying this, then for a brief moment there was a notification on my phone for XXXX {$35.00} charge I went back into the app and there was absolutely nothing reflecting this pending transaction, I went back in my records and show on XX/XX/ I did order some food for that amount and that must have been the billing company but I have not purchased anything from them since or have I had any transactions for that amount since that day so I spoke with support for my card Cash app and they said they made an error in XXXX for that transaction they debited my account then credited it back so I owed them that money but I never received notice of this, i didnt have a negative balance a d i have been depositing and using my account all this time and at no time did this appear as an amount i owe and why wait over XXXX to debit the funds from my account. This has caused so much stress I am on social security and that {$35.00} was my groceries for the week, if they had notified me at least I could have planned for this. They told me I would have to dispute this and would take 45 days for a response where I don't feel I should have to file a dispute, this wasn't my error it was there's and im not disputing i made the charge my issue is they never made me aware that they made an error and that they did not notify me of this I wasn't aware so the entire situation feels fraudulent. I attached a few screenprint, one shows my pending transactions for today and that transaction is no where showing on my account only the amount is missing but nothing to justify it and there's a screenprint of the transaction in question it shows it was completed and was deducted from my available balance on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I have been disputing information on my credit report for the past year! My lawful rights have been violated by XXXX, XXXX, And TransUnion. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response.

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 2023-05-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
After a thorough review of different CDs available in the market, Ally 's high interest rate as well as its reputation led me to open a new 11-month CD. Upon successful account opening, I linked my external accounts ( XXXX XXXX, XXXX and XXXX ) to provide funds for my new CD. So I have initiated 3 ACH Pulls ( $ XXXX XXXX XXXX XX/XX/29, $ XXXX on XX/XX/29 and $ XXXX on XXXX ) using my Ally account. Immediately after each transaction, I have received a notice indicating that the funds will be withdrawn on XXXX and will be made available on XXXX for XXXX XXXX and XXXX. For XXXX, I initiated on XXXX and the notice indicated that it will be available on XXXX. 

However, I have found that the funds ( $ XXXX ) have left from my XXXX XXXX and XXXX accounts. However, unfortunately, the funds have never arrived Ally. The answer I receive from customer service is that " Ally has never received funds as those payments failed and my external banks are suspended ''. And I was instructed to work with XXXX and XXXX XXXX to resolve the issue. After the call, my Ally account was blocked. 

So now my $ XXXX is disappeared and Ally is requesting me to take actions to retrieve my funds back. This is absolutely unacceptable and I request Ally to resolve the issue.

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 2023-05-04 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: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted 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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I find it absurd because I have always made timely payments.

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 2023-05-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from ALLY FINANCIAL and ALLY FINANCIAL C/O GMA in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.

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 2023-05-04 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:
I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & EXPERIAN XXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXXXXXX XXXX XXXXnquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/

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 2023-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: WV

Complaint narrative:
I was first contacted on XX/XX/ via email by FirstSource Advantage. They claimed I owed a debt to XXXX for {$71.00}. In this same email they included this, " Call or write to us by XXXX XXXX XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' XX/XX/ I emailed their support with a Debt Validation Letter and on XXXX XXXX XXXX I mailed them the same Debt Validation Letter to the address provided by them. I stopped receiving emails from FirstSource Advantage for XXXX days and then I started receiving multiple emails a day from them and have not received a response to my debt validation letter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed my dispute off to TransUnion on XXXX  They received my letter on XX/XX/ certified mail, return receipt included. It is now XX/XX/2023 and Transunion has sent me a letter stating they need more time to investigate and that my dispute may not be completed until XXXX The additional information does not pertain to this disputed. You have 15 days to respond with my investigation results.

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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam I try not to visit your branches, because I was once XXXX  discriminated by a XXXX  female employee at one of your branches, which honestly I am not really surprised at because I see countless news articles about XXXX XXXX  at Chase branches , so I guess that's the Chase standard. So I try to do my banking via phone only. 

On the XXXX day of XX/XX/2023, I made three calls to your claims department.

Call 1 : I called regarding canceling one of the disputes, spoke with one male operator from the claims department, not sure if the dispute has been cancelled yet. I asked the operator to transfer the call to the general customer service department because I had another question. The operator asked me to call back again and hung up on me.

Call 2 : I called your claims department to lodge a complaint against the previous male operator. This time a female operator named XXXX from the claims department picked up the call. I asked her to transfer the call to a supervisor/manager. A male person came to the call, I first asked him to confirm if he is a manager or a supervisor, to which he clearly replied if I don't give my account number to him he will hang up the call on my face. I have zero tolerance for this kind of attitude, so I responded to him " appropriately '' after which he ofcourse hung up on me. 

3rd call : I called your claims department again to find out the names of these two people I spoke with earlier, but this time the female operator could not give me the names.

Why should I bank with Chase?

Company response to consumer: Closed with explanation