vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX  XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX  on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a XXXX accident on XX/XX/2022. He underwent XXXX surgeries and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it three or four times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my XXXX account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: MI

Complaint narrative:
It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion charge my credit card XXXX every month till date for monthly subscription Fee however i never created user login ID into their website and did not subscribe any membership, I never login into their website since they started charge my account. 

They charge my credit card total XXXX = XXXX XXXX wanted check if they check the issues and refund my amount 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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This problem has to do directly with PNC Bank and their policies. I have been a long term customer of PNC Bank for approximately 6 to 7 years. I reached out to PNC Bank a day after noticing I had accidently overdrafted my by about {$8.00} with 2 transaction and immediately sent payment to cover the overdraft as soon as I possibly could. I was still charged a {$36.00} overdraft fee. I reached out asking if they could waive the fee but was told that I would " have to wait til XXXX '' for my next overdraft fee waive. So I filed an official complaint against the overdraft fee so that it could be reviewed. 

PNC abides by it's mission statement that " for more than 170 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals. We are proud of our longstanding history of supporting not only our customers but also our communities, employees and shareholders. '' Personally, I do not believe that taking funds from customers who lend and trust a bank with their money, while the bank provides little to no benefit to their customers is a sound form of banking in today 's more modern world. In XXXX alone, PNC raked in nearly {$270.00} XXXX in overdraft fee revenue ; to clarify that would be over XXXX customers that PNC Bank was able to profit of off. I don't see how this helps PNC customers to " meet their financial goals '' as the company claims in its mission statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Foreclosure has already taken place - eviction date was XXXX. This complaint is being submitted as the result of an article which states : Wells Fargo customers may be eligible for part of {$2.00} XXXX settlement. All efforts to save my home proved fruitless. Relative to sale date of XX/XX/XXXX of the property, Wells Fargo bought it back for {$100.00}. Prior to the sale, Wells Fargo has not been successful in providing the signature card signed by the property owner on a certified mailing supposedly sent to the property address. Federal Regulations were not adhered to prior to foreclosing, which required Document 24 CFR 203.604. The Note that I signed with XXXX XXXX XXXX XXXX dated XX/XX/XXXX, states, " This Note does not authorize acceleration when not permitted by HUD regulations. As used in this Note, " Secretary '' means the Secretary of Housing and Urban Development or his or her designee. '' The servicer did not prove standing that the Note was owned by the bank. A letter from Wells Fargo dated XX/XX/XXXX stated, " If you're interested in repurchasing the property, please contact the listing agent once the property is listed for sale. '' I was made aware that my home was sold to an investor prior to XX/XX/XXXX. Additionally, Wells Fargo did not respond to these questions : In the Certification of Diligent Inquiry XXXX XXXX certifies that Wells Fargo Bank N.A. directly or through an agent, has possession of the promissory note. Proof was requested of the employment and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . This individual can not be found on the XXXX XXXX site. Requested proof of the travel of that promissory note citing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX XXXX, XX/XX/XXXX Docket No. XXXX, unpublished. Requested explanation on why there are two endorsements of the Note to Wells Fargo.

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 2023-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
This loan was a consolidation of XXXX, then it was a XXXX XXXX XX/XX/XXXX. Was only support to be one they given me both. They correct it, but not on paper.They loan when to XXXX XXXX ( XXXX ) Then they changed it to Mortgage line of credit. Then I filed for bankruptcy ( XXXX ). My husband passed away and I filed for XXXX  XXXX. Then it when to Sn servicing then it changed to a Mortgage. They foreclosure on the property they don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Amount : {$1300.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  Omg, this is not my account. I did not make these charges. This is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NV

Complaint narrative:
These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY 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 2023-02-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
I am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of XXXX XXXX XXXX  I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692

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 2023-02-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed unauthorized inquiries on my credit several times to Equifax and the companies who did the inquiries with no luck getting them removed. I have explained that I am a victim of identity theft and submitted an FTC report to back it up. Equifax refuses to remove the inquiries on my credit report that I did not authorize. 
The following inquiries are fraudulent and show the action taken for each XXXX : XX/XX/XXXX XXXX XXXX  XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX, NO ACTION TAKEN XX/XX/XXXX XXXX  XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX ALLY FINANCIAL Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX CAPITAL XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed XXXX NO ACTION TAKEN XX/XX/XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN XX/XX/XXXX XXXX, XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX - XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX Disputed, NO ACTION TAKEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACTION TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Lender : XXXX XXXX XXXX Inquiry date : XX/XX/ Credit inquiry was not authorized as I did a pre approval and as stated from rep at bank and website that It would have an affect on my credit because it's a soft pull.

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, a check for {$36000.00} dollars was deposited in my business bank account, which a company issued to pay for services provided by my company. 

Bank of America classified the check as fraudulent and by telephone informed me that the check had been reported stolen, so they decided to close my business account and send a check for the balance in the account, but did not send the {$36000.00} dollars of the deposited check. 

I contacted the company that issued the check, who verified with their bank that the check was never reported stolen and that the money came out of their account. They informed me that the transaction from their side went through normally and that the problem needed to be resolved with Bank of America. 

Bank of America insists that the company that issued the check should request a reversal of the transaction, but the issuer tells me that everything is fine on their side, that the money came out of their accounts and that they are not going to request a reversal because they have not reported anything wrong with the check. 

I gave Bank of America the phone number of the financial XXXX of the company that issued the check and the phone number of the bank agent used by the issuing company so that Bank of America could contact them directly and verify that everything is fine with the check. I have waited almost 2 months and Bank of America has not contacted anyone to verify that this transaction is not fraudulent. 

On Friday, XX/XX/XXXX I called and visited Bank of America to explain once again that the issuer will not do anything because on their side everything is fine, the money came out of their accounts the way they intended. On the phone and at the Bank of America office I visited, I was informed that my money can only be recovered if the issuer requests the reversal, but to this day Bank of America has done nothing to verify that the funds are clean and should be released. 

I have decided to initiate this complaint as I have called Bank of America at least 20 times and visited their offices at least 5 times, but I do not see them doing anything to resolve the situation. I understand that there are policies in place to prevent fraudulent transactions and I have provided all the information they require to prove that this is a clean transaction, but apparently Bank of America 's verification process does not work at all. This has been the worst experience I have ever had with a 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 monetary relief
Consumer complaint received 2023-02-06 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:
On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Veros Credit, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : VEROS CREDIT XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Inquiry Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation