vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Someone saying they worked for Bank of America contacted me to say an account was opened in my name aXXXX XXXX XXXX yesterday and then tried to make a {$5000.00} XXXX transfer. The caller said they had by SSN and DL info and gave me the XXXX fraud number to call. 

I called XXXX, who said it was not possible for this transaction to take place due to their security measures and the caller was probably an impersonator. 

I called the impersonator back ( XXXX ) and an automated system said the person was called XXXX XXXX ( or something sounding like that. 

Based on the poor quality of that automated system, I feel like it was indeed an impersonator. 

I have reported the incident to the FBI as well and wanted to file this report as additional notification/ protection.

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 2023-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NY

Complaint narrative:
On XX/XX/23 I requested information on a HELOC through XXXX, indicating my desired loan amount, credit score of approximately XXXX, and state of the house. This lead me to their approved partner, New American Funding, indicating that the could fulfill my request. Immediately following submitting my information, I received a phone call from their business, in which I was asked a few questions, I restated that I was looking for HELOC, the amount, my credit score of approximately XXXX, and other personal information. At this point they requested that I submit a full credit application for a hard inquiry. I had already stated both in writing and verbally that my credit score was approximately XXXX, which after the full credit inquiry, was determined to be accurate by averaging the 3 bureaus. However at that point, they stated they would not be able to provide a HELOC as my score was lower than the allowed minimum of XXXX for that financial product, but they were able to provide me with a refinance for my mortgage. At several points I had confirmed not only that my credit score, but also that I was not interested in a refinance, only a HELOC. This constitutes several counts of fraud to obtain my personal and financial information under false pretenses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I found some hard inquiries on my credit report that I am not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I found some hard inquiries on my credit report that I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-14 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: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you

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 2023-06-14 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: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you

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 2023-06-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MN

Complaint narrative:
In XXXX of 2023 I noticed something wrong with my credit report information was being reported to my debt collections from Ability Recovery Services LLC in regards to a debt that was in my name by XXXX XXXX thought it was weird because I never attended the school so I began to complain my case was referred to FTC I will be attaching both the their report and the Police Report that was recently made in regards to this matter.

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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from XXXX stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for Jefferson Capital, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with XXXX. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). XXXX account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX XXXX. I have many more emails that I can forward. I would need an email address though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After prior TERRIBLE experiences with Citi *banking* ( not credit cards ) in the past, I attempted to give them one more try to see if they had improved their platform/customer service, and opened a Checking account with them. 

XXXX. On XX/XX/2023 I attempted to open a checking/savings account with Citi. Due to an error from their website, two accounts were opened. I immediately contacted Citi to let them know I only wanted one account, and to close the other account. 
XXXX. On XX/XX/2023 I transferred {$10000.00} USD from my XXXX XXXX account to my new Citi account, using the Citi money transfer feature. 
XXXX. On XX/XX/2023 I noticed I could no longer login to my account, and had received an ambiguous email from Citi stating " Your Citi account ( s ) will be closed '' 4. I immediately contacted Citi to find out what is going on. They refuse/are incapable of telling me ANYTHING regarding this matter, and had the nerve to suggest I " used a VPN '' to circumvent some kind of access controls on their side. THey were unable to substantiate or clarify this accusation, and are only able to brush me off and say " you will receive a letter in a FEW WEEKS explaining this decision '' 5. Citi is REFUSING to return my {$10000.00} - suggesting it will be done when it's convenient for them ( >30 days? ) ; _THEIR TEAM_ suggested I submit a DISPUTE with XXXX XXXX about the money that Citi is refusing to return. 
XXXX. I have submitted a dispute with XXXX XXXX, and they are saying due to the time frame that had passed, they can not reverse the ACH and it will now have to go through their full dispute resolution process which is >= 45 days. 

It is absolutely absurd and unconscionable that Citi has chosen to take, hold, and refuse to return my {$10000.00} transfer without any explanation. AFter multiple calls to Citi, I am unable to get ANY information and am constantly told just to " wait for the letter in the mail '', leaving me in the dark with where/what is happening to MY funds and when they will be returned to me. 

Citi has making/is making NO attempt to explain what the issue is with my account or why it was closed. This is absurd. 
Banks should have some responsibility to consumers to tell them what is going on with their account, and clear explanation of the accusations surrounding accounts being closed/locked/made inaccessible.

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 2023-06-14 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
This account was opened by another individual while this company established an account fraudulently in my name because the address is the same. The lending institution then sold the account to another institution and closed the account, showing paid in full only to report the debt on my credit as late after 36 months of being closed. This is unfair practices based on several different reasons as I do not have access to the original account or the current account as it is not my debt nor have I ever paid any payments or received any benefit or item for the debt listed. Please advise on resolution to this problem and make whatever changes to correct my credit reports to reflect my otherwise good standing as I have no missed or late payments on any account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
Debt Recovery Solutions is reporting a delinquent account ( account # XXXX ) on my major credit bureaus that I owe them/this company {$350.00}. I do not know what this company is. I have never conducted any business with Debt Recovery Solutions. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate Debt Recovery Solutions claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. Debt Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
I settled it in XXXX if XXXX and I called XX/XX/XXXX to find out why its showing I owed {$2100.00} still and no explanation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX there was a fraudulent charge for the XXXX XXXX ( in XXXX, XXXX ) for {$1900.00} on my Jetblue Mastercard. JetBlue alerted the fraud and I called to lock the account and get a new card sent to me. The charge was removed from my account. Two months later on XX/XX/XXXX, the charge reappeared on my account. I called Jetblue Fraud and asked why the charge was put back on the account and they said after an investigation it was put through as valid. I was never in XXXX, XXXX so I asked what documents they had to come to this conclusion. They said they had merchant documents, but those said documents didn't have my name or address on them, so I asked to re-dispute the charge. They said to wait 10 business days and I waited longer and never received a response. I called back XX/XX/XXXX to ask about the now re-disputed charge and was informed that they closed the investigation and were leaving the charge as valid because of the card being in person or something to that effect. I was in New York this entire time and never traveled outside the country, so my card could not have been in XXXX. I have charges on other credit cards from that same day in New York, one of which I have attached and highlighted charges made in NY on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not trust Jetblue to do their due diligence and would greatly appreciate outside assistance in this matter.

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 2023-06-14 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: GA

Complaint narrative:
These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Arent medical bills illegal? I thought they werent supposed to report on your credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
KIA Finance America removed closed account from one credit bureau XXXX, but did not remove from credit bureaus XXXX and XXXX as required between XX/XX/2022 and XX/XX/2022.

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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX, my customer out of XXXX XXXX, Minnesota was wiring {$21000.00} to my company for work provided here in Oklahoma XXXX. Friday, XX/XX/XXXX the money was not in my checking account, so my office XXXX contacted A/R at ( XXXX ) our customer to advise it still was not showing up that it had been sent. XXXX XXXX advised that the funds were not withdrawn until overnight Thursday, so it should be showing up by Monday, XXXX. The funds never appeared. Tuesday, XX/XX/XXXX contacted customer again and stated he had wired funds to the account that was emailed to him on XX/XX/XXXX. We did not send the customer an email with that information, so after he provided us with an email showing from ( our email address with the bank routing and account number ) we immediately knew this was fraud. Immediately contacted bank about the fraud and customer to do a " Request Reversal '' since it was sent to the wrong account number. Called Chase again XX/XX/XXXX to find out we needed to do. Chase stated since the funds never appeared in " XXXX '' checking account there was nothing they could do. We asked why the funds were wired to an account that did not match our name and address, and Chase representative stated they do not check that, ( even though it is required on all domestic wire transfers ). Another call to local Chase bank, spoke to XXXX XX/XX/XXXX, he then advised nothing they could do. We would need to get a lawyer at this point, even though during this time Chase had already investigated and admitted they did find the wire as XXXX. 
Also on XX/XX/XXXX, I contacted my email XXXX and IT personnel at XXXX and they could not find any email that was sent on XX/XX/XXXX from my IP address. So either they " Mirrored '' my email or my customers has not been found out.. 

So my complaint is that JP Morgan Chase Bank did not and admitted they did not take the proper steps and matching the wire transfer with our company name and address. 
Chase is responsible for the Request Reversal so that their Bank can get customers money back and then pay My company.

Company response to consumer: Closed with explanation