vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: NY

Complaint narrative:
I, XXXX XXXX wrote a check ( check XXXX dated XXXX in the amount of {$680.00} payable to XXXX XXXX XXXX XXXX ) as the XX/XX/2022 maintenance payment to the cooperative unit where I lived. The check was mailed via the post office to the cooperative 's property manager : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The check was altered en route to have a certain XXXX XXXX  XXXX as the payee for {$7600.00}. I informed JP Morgan Chase that I did not write that check to that payee for that amount. The checking account was closed and a new one was opened. I was given a form to fill ( " Declaration of Unauthorized Endorsement or Altered Item '' ) which I submitted on XXXX. I also filed a complaint with the post office and police precinct on XXXX and was provided a police report on XXXX. I have requested the property manager to attest to the XXXX payment that was missed and that it had not authorized the window installation work reflected in the fraudulent check. I ended up cutting a new check for the original amount of {$680.00} that I owed the cooperative. I submitted all of these documents ( copy attached ) to the bank and was informed to wait 60 days for this matter to be investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I tried to access federal information about insured mortgages and then searched for an online application. I did not notice that the link I clicked on, which appeared to be a website supported by HUD, was actually something called Rocket Mortgage. I was very clear that I was seeking a first time mortgage, clicked on something to that effect, requested application to apply for first time mortgage. I was redirected to a site that entailed my creating an account with Rocket Mortgage, which I, reluctantly, did. Only when I had completed that account creation did it become apparent that my " account '' was for refinancing a mortgage. I exited the account platform and tried to sign in to access a first home buyer interface. I was not permitted to do so unless I created a second account -- a completely additional account, new password, with all my personal info. This doubling up of a single company 's account with dual accounts for me is part of a persistent scam of impersonators for me on line. I tried to locate information to close the scam account and was not permitted to do that, either. I submitted a complaint to the company about this state of affairs. I have zero confidence that the scam account will be closed even if I get a ( probably fake ) email being all kinds of solicitous of my belief to that effect. So now there is a fake Rocket Mortgage account out there with my personal information and good credit score to be used by people impersonating me on line and very little I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Are account resolutions is reporting to XXXX and XXXX about a {$620.00} debt that I owe. The account was open in XXXX XXXX I was in prison at XXXX XXXX correctional facility at that time. So this is fraud .I didnt not open this account nor was I in the hospital in prison to even have this account

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 2022-07-18 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: IL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After I obtained a new phone ( upgrade from XXXX XXXX ( XXXX XXXX  ) to XXXX XXXX XXXX XXXX ( but same number and provider ), my XXXX XXXX XXXX stopped working and I received error code XXXX. I called their customer service and they told me they'd refer this to IT and I'd hear in 5-10 business days. That was about a month ago. They also told me to set up a my.equifax.com account. When I did that I received an error code XXXX. They asked me to let them set it up and I waited on the phone while they tried. They had the same issue.Since then I've called them on at least five additional occasions, getting reassured my problem was being escalated, etc. but have received NO contact back from them. Yesterday I was told I needed to verify my identity with a driver 's license and gov't issue ID. So, I took photos of them and faxed them a copy of them in a document but have received no confirmation of receipt. I called them to ask if they could confirm receipt but they say that can take up to ten business days!!!! There is no email address or text number for me to easilyl send pictures of required documents and there is no way for me to talk to " higher ups '' who might have authority to actually get something done. I'm XXXX XXXX XXXX and have my share of horror stories but I've never had to deal with a company as broken as Equifax. As an aside, I used to pay for an account on equifax.com but stopped after their egregious data breach and moved to the XXXX & XXXX product. One would assume that after violating the public 's trust with poor data security as evidenced in the data breach, they'd go out of their way to make it easy for customers to get responsive service from them. Dealing with them has been nightmarish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Seven months ago I applied for a cash out refinancing with AmeriSave mortgage company. I was approved and provided them with all the requested documents. There were no issues with those. At underwriting, I was informed that XXXX XXXX will not guarantee the loan because the HOAs insurance falls short of the XXXX XXXX  & XXXX XXXX  requirements. The guidelines have an exception that the lender can request but AmeriSave refuses to help and will not let me pay for the extra insurance. I reached out my HOA and they refuse to pay it. Aside from closing my file, AmeriSave has not refunded my appraisal fee, I was locked in at a 5.37 % interest rate but now its over 6.09. When I contacted a different mortgage company, they said that Amerisave was supposed to check the HOAs master insurance plan before proceeding. I spoke to the person at AmeriSave who was assigned to me to deal with this issue and he told me that they did not follow procedure, did not know where the mistake occurred or who was responsible for it. He further said that AmeriSave should have asked for and checked the master policy as soon as I applied and it was in fact their policy to do so, and he believes that the company was in breach of contract. I believe that they acted in bad faith as well, at the very least negligence that has caused major delays and cost me a large interest rate chance since I now have to use a different mortgage company.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I created an M & T XXXX XXXX Checking with Interest Account online on XX/XX/2022, with a {$250.00} cash bonus code. Before the bonus was applied, the M & T website confirmed I was eligible for the zip code where I resided. 

The terms of the offer stipulated the {$250.00} bonus, would be paid out, within 90 days of a {$500.00} direct deposit posting to the account. A direct deposit over the {$500.00} requirement was posted on XX/XX/2022. 

I called M & T bank customer service on XX/XX/XXXX to confirm that I would receive the bonus and that the requirements had been met. The representative stated I had met the requirements and would receive the {$250.00} cash bonus within the stated 90 days, call reference number is XXXX. 

I called back today on XX/XX/2022, call reference number XXXX, and the customer service representative stated I would not be eligible for the bonus of {$250.00}, even though I had successfully opened my account with the bonus. 

In summary : In XXXX, I opened an M & T checking account with a {$250.00} cash bonus code. I verified the location I lived in was eligible for the bonus at the time of account opening. I fulfilled the direct deposit requirement on XX/XX/XXXX and confirmed with M & T of fulfilling the requirements on XX/XX/XXXX. Now on XX/XX/XXXX, M & T states I am no longer eligible for the bonus.

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 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX a friend of mine sent me XXXX dollars in bitcoin for my rent and for my daughter 's medication the money has now been taken by cash app and they are refusing to release the funds or even send them back to my friend so he can send them using a more reliable and professional banking provider they originally claimed my money would be available in 24 hours that was a week ago now they are refusing to do anything they are holding my bitcoin to profit off the climb in bitcoins value that is rising rapidly and expected to continue to climb then if they even ever do release my bitcoin it will be at the value it was originally sent at earning them hundreds or even thousands depending on the market its a scam that is threatening my children 's well being and even lives because of their greed and awful ethics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
I sent letters off asking to investigate my account on XXXXAccording to the law there was not a proper investigation done to my account.

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: KS

Complaint narrative:
Opened account on XX/XX/XXXX with a promo code XXXX I received in the mail for a {$500.00} bonus after depositing {$5000.00} and completing 5 qualifying activities. Ive completed the requirements but the bank is now saying I needed to maintain the {$5000.00} in the account for 60 days. There was nothing in the terms saying the {$5000.00} had to be left in the account for 60 days. 


Offer valid through XX/XX/XXXX. 
Promo code XXXX MUST be used when opening the business checking account. 
This offer is only valid for the addressee and is not transferable. 
A {$100.00} minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account. 
Earn your {$500.00} cash bonus by opening a new U.S. Bank Silver Business Checking, Gold Business Checking, Gold Business Checking with Interest, or Platinum Business Checking account before XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening. The new money deposit can not be funds held by U.S. Bank or its affiliates. Additionally, an individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App within 90 days of account opening and complete 5 qualifying transactions : Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit and Bill Pay within 90 days of account opening. 
The cash bonus will be deposited in your U.S. Bank business checking account within 45 days of offer qualification verification, if the account is open and has a positive balance. 
Offer may not be combined with any other business credit card or checking account bonus offers.

Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months.

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 2022-07-18 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: TX

Complaint narrative:
The complaint that was submitted in XXXX of 2022 for Equifax XXXX The company had 60 days to investigate no results nor have they removed the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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:
XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act 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 2022-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-18 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-18 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. 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 XXXXXXXX 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 2022-07-18 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:
In accordance with the Fair Credit Reporting Act the following companies has violated my consumer rights : XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Card Acct # XXXX, 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. states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681i ( 5 ) ( b ) ( i ) states the certification of accuracy of information 15 U.S.C. 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1692i states debt collection companies have no legal obligation to collect on alleged debt. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

15 U.S.C 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-18 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: IL

Complaint narrative:
I have reached out on multiple occasions to resolve a matter with Equifax, I am requesting them to send me physical verifiable proof that the collection belongs to me. Their investigation results always come up as " verified '' yet I have not received any physical proof. I have also requested them to send me information on the inquiries made on my credit report, and yet they failed to do so. According to the FRCA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ), Equifax has failed to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 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 explanation