vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a savings account that requires {$500.00} as a minimum balance to avoid fees. I always keep exactly {$500.00} in there. One day, due to a bank website error, money was taken out of that account to pay a bill instead of my main checking. I immediately replenished the funds but got hit with a service maintenance fee. That brought my balance from {$500.00} to {$490.00}. I called, had BOA refund the fee and I had {$500.00} again. The bank will not stop charging fees. Every month, despite the fact that agents on the phone understand the mistake and what happened, I get a monthly fee the next month, which triggers a monthly fee the next month and the next month. The last fee was assessed on XX/XX/. I have tried calling the bank multiple times and I am shamed and gaslighted into thinking I did something wrong, which I did not. This was entirely BOA 's error and should be rectified for a 20+ year loyal customer.

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 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
There is an additional {$60000.00} on my loan. Shellpoint Mortgage is my current servicer and I have never borrowed any money on my mortgage loan ever!! Shellpoint states it was on there before. It is fraudulent because I have never borrowed on this loan. I need to get a leak fixed and new windows at the house and is not able to borrow because that mysterious loan is on my mortgage. I can not receive any help and will never be able to repay my loan. This is a huge deterrent to my homeownership as I can not afford maintenance on my home that I have had since XXXX. This large sum of money will lead to foreclosure unless I can receive help to remove this fraudulent money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was scammed by XXXX XXXX group. They made a settlement agreement with Chase. I have since voided contact with them. I have tried email and phone calls to Chase to void this and pay my total balance due over time. They keep saying it can not be done. I am trying to do the right thing and pay this account in full. They will not work with me. Today after being on the phone with them for XXXX minutes @ XXXX XXXX I asked them who governed them several times. I was told no one. I was told if the settlement amount of {$700.00} was not paid then the account would be turned over to a 3rd party collection agency. I feel I am being penalized for trying to do the right thing.I even asked if they could set up anew account, transferred the balance to it which would have no agreement. attached to the new account.All I want to do avoid any more negative activity as I try rebuild my credit. Before XXXX my score was XXXX now it it XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
This debt has been sold to another company. The age of these debts is over 7 years old and they kept selling it to come back at me. What can I do to protect my credit score when they keep hitting with a new company? RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC aka XXXX has been hounding me for years they sold to RMP, LLC and now hitting my credit. What is there to do to protect me from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Chase Bank, To whom it may concern, Fax XXXX XXXXXXXX Referance XXXX XXXXXXXX On XX/XX/22 someone made a purchase from XXXX for a coffee maker in the amount of {$130.00}. On My account, my name is XXXX XXXX. We called the bank to verify that this was fraud. We called XXXX and XXXX told us : XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX made this purchase. My wife never made this purchase at XXXX. We Live in XXXX Ny. 
We have filed a Police report with our Local Police Dept. 
We would like our Money of {$130.00} back in our account. This was fraud. Someone is not telling the truth in this matter so we will just go away. This is our hard earned money and we did not spend it. You Chase are our bank are supposed to help us in these matters. Please do a better investigation on this XXXX XXXX, so we can get our money back. Please get us proof that the product was delivered to our home in XXXX. From XXXX XXXXXXXX, XXXX, XXXX, etc, please get this information solid proof from XXXX. Someone has this shipping paperwork. Chase has not given us proof. 

Thank You, Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to 15USC 1681a2 I have never given Experian, XXXX or XXXX permission to have accounts furnished on my credit report. They are in Violation.

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 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
I was contacted by this company threaten me that they were going to serve me court ordered papers to my home. If I didnt pay them, they gave me a settlement amount to pay and I paid and then went online and discovered this was a scam. I was scammed over {$350.00}, and then they call me again and again trying to get more money and I called the original creditor and said I have nothing owed with them but they have all my personal information. This company is called XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( CREDIT SYSTEMS INTL IN ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
My complaint XXXX was wrongfully closed by CFPB without all my request for information provided to me by Transfer Wise. 

Please attach the old compliant resolution sought to TransferWise/ Wise Inc Transferwise wrongly terminated my account. 
Transferwise accused me indirectly of money laundering and criminal activities Transferwise i.e Wise Inc took my call of filing appeal and their agent said that they have indicators in system that my account is flagged and it will not be activated After CFPB complaint, Transferwise activated my account. If there were flags and due appeal process followed, my account should not have been reactivated by Transferwise. 

This proves that Transferwise wrongly closed my account, didn't do proper review during their appeal process, targeted me by indirectly saying that I am involved in criminal activities or money laundering when this account is totally new and I have never even had a single audit or question by any govt agency. 

CFPB did not look at my fair resolution before closing my complaint. Please DO NOT close this complaint before checking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2023-03-03 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This agency is violating 15 USC 1681c-2 by performing non-federal actions to verify the information a servicer provides against the consumer 's. On XX/XX/2023, Transunion responded through XXXX XXXX, saying, " we update our records with the information the creditor provides ... '' Only the consumer can verify a debt as the original creditor. This debt is not verified. These accounts look deceptive and suspicious. This looks like I'm a risk because of all the names and addresses. I have only one name, phone number, and address where I receive US Mail and correspondence.

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 2023-03-03 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: TX

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-03-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: VA

Complaint narrative:
This is the only card I've ever had that makes it next to impossible to use your card. The only way you can make payments is through using the actual card number and exp date as a credit or debit transaction. That's okay for household utilities, but what about credit cards and other bills? They provide no routing and account number that will allow you to pay other bills. So your options are credit debit transaction or withdraw from an ATM. As XXXX  card designed for elderly and XXXX, this is ridiculously inconvenient. They used to offer a direct bank transfer for a small fee though it took 3 to 5 business days to hit the other account, at least it was something. They stopped the service with no warning or explanation over two years ago, but it's still featured on their website and customer service still tells people it's available ( if you manage to reach someone ) and it still lets you start the process, and takes the money out of your XXXX account for a few days just to bounce it back to your card and leave you floundering trying to figure out how to transfer money to a legitimate account each month. XXXX XXXX? Blocked. XXXX XXXX and XXXX? Blocked. XXXX transfer? BLOCKED. And that's on top of the countless complaints of fraud and issues with ATM machines where people get a receipt for a withdrawal but no money. Please! The government needs to find another vendor and shut them down. It shouldn't be so hard to use your own money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MI

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. 

XXXX XXXX XXXX : XXXX XXXXXXXX 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.

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 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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraud deposits have been made on my account so it was froze but I don't have access to the funds that was previously in my account to them placing a freeze that is for 14 days.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a XXXX purchase in the amount of {$230.00}. I returned one of the items I purchased on XX/XX/XXXX to XXXX. On XX/XX/XXXX the refund in the amount oXXXX XXXX XXXXshowed in my American express serve account but had a merchant hold on it. I called American express serve to asked why a merchant hold was placed on the refund it was explained that the merchant has a 7 day hold on the refund. On XX/XX/XXXX I contacted American express serve to ask what happened to the XXXX refund that had a merchant hold because I did not see it anymore and thar it didn't show in my transaction history. The card issuer stated that I would have to wait another 30 days to receive the refund I asked why and she hung up on me. XX/XX/XXXX I checked my transaction to see if it showed upon checking the refund magically appeared but dated XX/XX/XXXX and the date I purchased items was marked for XX/XX/XXXX. So I contacted card issuer and asked why the refund was marked XX/XX/XXXX when there was a 7 day merchant hold on the refund. I also asked why they had the purchase date marked for XX/XX/XXXX when the purchase date was XX/XX/XXXX. The card issuer responded " The purchase date was made by the merchant and the refund was issued XX/XX/XXXX. I explained that the refund didn't show until the XX/XX/XXXX and that they didn't refund the money on the XX/XX/XXXX because of the merchant hold for XXXX XXXX the refund didn't appear in my account until XX/XX/XXXX. I went back and forth with the card issuer about this transaction and have not gotten anywhere. Because there was no change in my balance I believe the card issuer took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( CREDIT COLLECTION SERV ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

Complaint narrative:
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.

I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership According by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-03 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$200.00} XX/XX/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