vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
XXXX owed my boyfriend money for a purchase. He called customer service to get it resolved and they made him download an app to prove his identity to send the funds. He spoke with multiple managers to confirm this direction. It didnt work so he asked me to help. They reassured me it would just be a hold on the account and they wouldnt actually take my money. I knew in my gut it was weird and wrong, but my boyfriend was pressuring me to help because he wanted to get the money back he was owed. I sent them {XXXX} via XXXX and of course it went through, but they were unable to return the money to me. They kept asking me to download another cash app or share my credit card info and by now I knew it was a scam so I refused. Chase has a policy against refunding incorrect XXXX  payments. I understand this policy, but Id think if youre victim to a scam theyd be able to assist. Unfortunately, that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I did not and they are invading my privacy.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Which they did not and I also got this deleted from experian for inaccurate information and the debt not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
This is not the first time my sister had wrote on this mortgage. 
Attached is where I and my deceased mom had purchased the house approximately over 30 years ago. When she passed I obtained Attorneys who wrote many charges that does not seem to be correct because I never left the property, nor have I ever seen anyone nor my sister, neighbors or anyone.

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 2021-09-14 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: IL

Complaint narrative:
On XX/XX/2021, Chase Bank allowed a transfer from savings to checking in amount of {$60000.00}. On the same day a fake check was written forged and cashed in the amount of {$57000.00}. This check was processed at CHASE BANK. I was not notified about this transaction nor was my Mom and we had a limit set on the account. This check was dated for XXXX. Please note the DATE of the check. 
On XX/XX/2021 another phone transfer occurred in the amount of {$20000.00}. There was a second fake forged check processed by CHASE BANK on the same day in the amount of {$22000.00}. 
On XX/XX/XXXX I noticed when I went to pay my bills that I had minimal funds in both my checking and savings account. I notified Chase Band immediately who then contacted claims and directed me to file a police report. I filed my police report on XX/XX/2021 and have been trying to work with Chase to get my funds returned ever since. 
The representative from Chase Bank ( local branch ) from the beginning said I would have funds in 3-5 days. It is 21 days since I contacted them and they now are saying that this situation was beyond THEIR control at the local level. Now the XXXX XXXX, that has just seen the case states that it could be XXXX days, that I can not get my insured money returned until they have gotten the money back. It has only been this week that we were told it was escalated to the level of the XXXX XXXX ( XXXX XXXX XXXX XXXX ). Now we were told it could be longer. 
I can not wait that long! This was all of my savings!! I have rent, car payment, credit card bills to make. I am working as a XXXX / XXXX XXXX XXXX and in school. This has been so stressful and it is the bank that allowed these transactions to happen. The bank that I trusted with my hard earned money violated my trust. 
This should have been prioritized from the very beginning! It took two weeks of being dragged along at the branch level before they presented this to the escalation committee. 
Where is the concern for my welfare?? My cash is gone! How am I to hang on for another 3 months before this is resolved. Does the consumer/ customer have any rights at Chase Bank . PLEASE represent me and my consumer rights with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NC

Complaint narrative:
Unauthorized use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal.

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 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
* PHOENIX FINANCIAL SERVICES LLC, Continues to attempt to collect a debt from the consumer XXXX : XXXX via the mail on XXXXand numerous other times causing severe pain and sufferings and, violating Consumer Federal Law : *15 U.S. Code 1692c, Communication in connection with debt collection *15 U.S. Code 1692j - Furnishing certain deceptive forms , - on three different dates. 
*15 U.S. Code 1692e.False or misleading representations *15 U.S. Code 1692d - XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
On XX/XX/2021, I attempted to log into my Marcus by Goldman Sachs personal savings account at which point I discovered it was locked. I then immediately called the customer service number listed, and after waiting for a cumulative time of 23 minutes on hold, I was unable to be transferred to the specific team who had closed my account and would need to reinstate my account. Customer service then told me that this specific team would call me back " at some point '' and that there was nothing I or they could do in the meantime. I then requested to transfer my funds out of the account so that I could close the account and terminate my relationship with Marcus by Goldman Sachs, however, the customer service team told me I could not do that. As of now, Marcus by Goldman Sachs is preventing me from accessing my funds without providing any explanation and without allowing me to reach the team responsible for locking/unlocking my account, therefore I am requesting the CFPB 's involvement to investigate. 

Additionally, on XX/XX/2021, when initiating a small transfer of funds from my Marcus by Goldman Sachs account to another personal bank account at another financial institution ( which I am the account holder of ), I received an unorthodox call from Marcus by Goldman Sachs informing me that I needed to provide a phone number for the receiving financial institution in order for the transaction to be reviewed and completed. After inquiring into the nature of this unorthodox request, I provided the customer service phone service number of the receiving financial institution ( which is obtainable via a simple internet search ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NJ

Complaint narrative:
On XX/XX/2021 I received an email that the small business administration accessed a copy of my credit report and it is documented as an inquiry. I did not apply for anything. I was on the FEMA SITE getting help with filing my disaster claim because I was impacted by the flood in New Jersey. The volunteer walking me through the steps advised that the FEMA site is taking them to the SBA site. I then declined any loan or assistance. I did not authorize or request any services from the SBA. I reached out to them they told me I needed to file a dispute with the credit reporting agencies. I contacted Experian who sent me the alert and they told me I needed to file an identity theft police report at FTC, I went to FTC site and it has been very unhelpful. At this time everyone is refusing to assist and now I have this inquiry on my report that I never authorized.

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NE

Complaint narrative:
I sold a house on XX/XX/2021 in XXXX county Nebraska and it was paid off that day. I had a mortgage with Amerisave mortgage on the property. Amerisave sent out half of the property taxes on XX/XX/2021 in the amount of {$850.00}. XXXX county sent the {$850.00} back to Amerisave on XXXX XXXX as it was a double payment because i paid the property taxes at closing on XX/XX/2021. Amerisave has been giving me the run around on where my money is. I get new stories every time i call in. They keep saying waiting for the check back. We are three weeks later and they refuse to cancel payment on original check and reissue. They refuse to give me my money that is owed.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Im submitting this complaint against CAPITAL ONE due to their total indifference to my consumer rights under the FCRA. For months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company since XXXX. I opened dispute with all credit bureaus have requested this fraud account be removed from my consumer file immediately. In all failed attempts every customer service rep I spoke to at capital one doesn't have any recollection of any of my previous calls " but their calls are all recorded ''. Capitol one never mailed letter as discussed acknowledging fraud account for my records. As of today XXXX capital one refuses to remove inaccurate information on my consumer file and work with credit bureaus to remove fraud account on my consumer file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Available balance showed more than enough funds before 4 occurrences of credits leading to 4 overdraft fee charges. Bank of America representative ( supervisor XXXX XXXX in Michigan ) claimed it fees were valid without any further explanation and just hung up on me.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER CONSUMER USA. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
The XXXX debt was removed and resolved from my credit report. The company will send it to different credit agencies and affects my credit report. It is removed each time however it keeps dropping my score everytime the send it to another agency. It has been going on for over a year now. I just received another letter from another agency from XXXX and I feel like I'm being harassed. This last agency is Convergent with date of XX/XX/2021. I didn't save the other ones because they were resolve but this is becoming to much.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
ON XX/XX/XXXX Synchrony Bank ( PayPal Credit ) reversed a charge in the amount of {$180.00} that I was charged for a " fake '' merchant on XXXX. I received a letter after their initial investigation telling me that the charge was reversed. But the invoice still shows ( as of todays date, XX/XX/XXXX ), that there is a {$3.00} interest charge along with the {$180.00} charge interest is deferred until XX/XX/XXXX. I do not " owe '' the interest charges cause the charge was reversed, ( see attachments ).

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 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I opened a PayPal account back in XX/XX/XXXX as I like to play casino games online. Because I play quite a lot, I also use the PayPal account quite a lot. Several times a week. PayPal enabled me to easily deposit and withdraw to my casinos accounts, which is something they advertise on all the websites I play at. All these casinos are registered with the New Jersey Division of Gaming Enforcement.

I have a few friends who do the same and they also have PayPal accounts for the same purpose. This means that we occasionally send money between each other as well, PayPal account to PayPal account. Everything has worked great for the last 14 or so months until last week [ XX/XX/XXXX ] when I received an email saying my account has been limited and that I would not be able to send or withdraw my money. PayPal requested some documents and information from me which I complied with on Sunday 12. During this time I was also informed that my friend who recently transferred me some money had also received the same message and had his account frozen. I didn't think anything of it and thought they are just routine checks. Later that day I received an email from PayPal stating that my account had been closed and that they're withholding my money for 180 days! They didn't give me any reason for this at all. I have also found out since that my friend had all his restrictions lifted and PayPal allowed him to keep his account. 

This is completely unfair. I haven't broken any rules. I have {$16000.00} in the account and they can't just take my money away from me. Please help me with this situation, I'm not sure what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo bank has lost the public trust of the consumers and customers that trusted wells fargo bank to help us to become financially stable and has taken advantage of me as well as the other customers and consumers and has forced past employees that worked at wells fargo bank and was fired because these past employees of wells fargo bank to open up 1.5 million accounts with out the authorization and consent and permission. And those bankers that was fired from wells fargo bank wanted those bankers to participate in all of these illegal activities that wells fargo bank was doing to not only me but to other customers and consumers. And there is no telling how long these illegal activities has been going on. And the cooperate office of wells fargo knew about all of these illegal activities and made any attempt what so ever to stop all of these illegal activities. And wells fargo bank should be held liable for taking advantage of those customers and consumers that trusted wells fargo bank to help us to become financially stable. And has fired all of all of those bankers that worked for wells fargo for telling the truth about all of these illegal activities and scandal 's that was going on. And wells fargo bank has been sued for discrimination and sued for opening fake accounts with out the authorization from the consumers permission and consent. And this is supposed to a professional institution but it's obvious that it's not. And wells fargo bank and the cooperate office of wells fargo bank knew that all of these illegal activities was going on failed to stop it. And matter of fact the consumers and customers should have a right to financial privacy and the consumers should be notified and asked before wells fargo bank to use those consumers and customers information. But instead wells fargo bank has sold those customers and consumers information with out their consent and permission and authorization. I strongly believe that if all of these rights existed why are these rights being enforced? I just forgot to tell you we don't have any privacy what so ever. Because if people had all of these rights these rights should be enforced. Maybe that is why these institutions and facilities want the consumers and customers and patients to sign a disclosure and disclaimer to release a facility from being sued.

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 2021-09-14 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: MS

Complaint narrative:
i sent my first letter to transunion on XX/XX/2021, about some inaccurate and incomplete items reporting on my credit report, they never sent me anything so i sent another letter on XX/XX/2021 about the same issue and as of XX/XX/2021, no information from Transunion.I would like for it to be deleted before i turn this matter over to my attorney. 
all of my letters was sent USPS CERTIFIED MAIL W/TRACKING # 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