vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I filed my 2022 taxes using XXXX through credit karma as my family has done for years. Apparently there must be a big change in the fine print that I missed. Credit karma has sent me a card that at first I tossed in the recycling. 10 days later I realized it has my refund on it. I then try and use my money, but credit karma has a hold on the account so I can only use XXXX a day or transfer XXXX a day. Its unfortunate for my family who is in desperate need a of car. My only choice is to transfer XXXX a day for 7 days plus 3 days waiting period and then start looking for a vehicle. When you live in poverty hanging onto XXXX grand is nearly impossible. I can`t stress enough the hardship this is putting on me and my children. I need my refund now. Its cleared through the IRS, nothing holding it up except credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
A scammer used XXXX ( XXXX ) to catch me. 
Was selling " XXXX parts ''. 
I sent money via ZELLE through my banking app for the amount of {$290.00} to XXXX, on XX/XX/2023 Claimed to be in XXXX, XXXX, CA and needed more money for customs etc. 

I sent another {$200.00} via ZELLE through my banking app to XXXX on XX/XX/2023 This scammer then used a website, ( XXXX XXXX XXXX  ) to create tracking information ( very generic information ) using this as the sender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the " items '' made it to my state, I got this massive text message claiming I had to pay another {$450.00} " refundable '' charge and fill out some form, for the local authorities to release my packages. This is when I knew I've been had. That just doesn't happen. 

According to my bank and ZELLE XXXX contacted XX/XX/2023 ), any payments made through ZELLE is like handing cash to someone. Literally zero protection against scammers. I then had ZELLE report the email address I sent money to as fraudulent. 
Other than that, there's no actions that have taken place by either ZELLE or my banking institution. 

I still have all messages/interactions if necessary/needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I have an HSA account at Optum Financial with my old employer. I left the company but the account remained open since XX/XX/XXXX. On XX/XX/XXXX I submitted a form to close and transfer this balance to my active HSA account with my new employer. Not only did Optum not honor the transfer, unbeknownst to me, they created a new Optum account, and transferred the balance internally without my consent. I received no communication that a new account was opened, or any information on how to find this new account. I've attempted to verify why the account was open, what forms were filled out, and who authorized this new account, but Optum is unable to confirm any information. All the while, they have been charging me an " Account Maintenance fee '' & " Paper Statement Fee '' There was no reasonable way for me to know that I would need to Opt into a paperless statement, because I had no idea the account existed and was opened without my approval, but they still charged me a paper statement fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a credit card for my business. I closed the credit card account in XX/XX/2023 and Chase Bank is still allowing charges to go through on a closed credit card. I just received a statement with new charges from XX/XX/2023. I have contacted them about this and they tell me the account is showing as closed. 

I had a personal credit card through Chase that I closed in XX/XX/2023. They still allowed charges to go through after I canceled the card and I had a bill and late fees come to me in XX/XX/2023 for purchases made in XX/XX/2023 on a closed card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this is my second time filling a complaint with XXXX XXXX XXXX this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX. not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments

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 2023-04-14 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:
Hello, my name is XXXX XXXX XXXX, son of XXXX XXXX XXXX XXXX. 

The reason why Im messaging the CFPB is because unauthorized transaction was made with a company named XXXX XXXX. This is a case of identity theft, and fraud on the Chase Bank account. My father passed away on XX/XX/2022. Ill find out a loan was taking out of his name in XXXX. The reason why Im contacting XXXX XXXX is that my father and I shared a bank account at the time. They used ACH Transfer and ended up withdrawing the money for themselves, while using my share account with my father to pay off the loan that accounted for the {$8000.00}. I thought it was a past loan my father took from another loan company named XXXX while he was out of work and was doing his XXXX treatment, but while I was looking through my bank account in XXXX. I seen a XXXX XXXX payment. I had no idea who, or what XXXX XXXX was so I called Chase Bank for a quick resolution, which they helped with temporary credit. Recently, I decided to check all my finances including the account that I shared with my father and thats when I found out {$8000.00} that was taken from the same company on XXXX. I called Chase about a month ago about it, I gotten temporary credit again and I didnt have evidence of what was going on at the time but I knew whoever was doing this had malicious intent. However, XXXX XXXX reversed the claim, and said it was valid ACH Transaction. Which led me to find out whats really going on and finding a true resolution for this problem. I called XXXX XXXX, they still haven't gotten back to me for resolution. I'd explain issue and nothing has transpire. Now I'm filing a complaint on Chase Bank, and further investigation I'll do one against XXXX XXXX. 

Please help me with this issue for this fraudulent problem. It wasnt giving permission to be taken, I have no idea who the assailant was. Its possibility it was virus that was in my computer that gave a hacker information about my father & I finances, SSI, and bank accounts that keep in the computer. Thank you so much. If needed, more information about my account or my father. Thank you. 

Update : XXXX XXXX had given me the {$290.00} from XXXX successfully saying it was an unauthorized transaction through Chase. However, they're saying the {$8000.00} was authorized, while Chase agrees with them ... Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Action Collection Service
State: ID

Complaint narrative:
The account was reported in XXXX when actually was sent in XXXX. I found out by looking at my credit and they never reached out to me. They also reported in payment history that was sent to collections in XXXX but account opened XXXX as collections. The information on account was paid in full and was promised to be deleted off my credit report if paid in full which it was. I asked for notes and ledgers and was refused to be given information. I never received a letter of pay off or ledger, was never deleted off report, and has incorrect information that I tried disputing. It was action collections XXXX accounts with same issues on my credit. I made payment plan and paid on time and was told it would reflect on my account as on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
It is our contention the big 3 credit reporting agencies EXPERIAN, XXXX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. EXPERIAN especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency EXP, XXXX XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, EXP, XXXX and XXXX are required to " validate '' the accounts furnished by TFCU or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, EXPERIAN claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.

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 2023-04-14 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: EQUIFAX, INC.
State: IN

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, Account Name : XXXXXXXX XXXX XXXX, Account Name : Premier XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of EDXXXX XXXX XXXX XXXX Account Name : 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. 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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/23 I discovered an error in my escrow and insurance on my mortgage statement. 
Bank of America taking out extra funds for escrow/insurance each month. 
My insurance is $ XXXX yearly. 
My insurance is {$120.00} monthly. 

My mortgage statement shows I have been paying {$200.00} monthly for insurance. 
This property has been TAX EXEMPT for over 10 years.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KS

Complaint narrative:
This collection agency was sent a debt validation letter, to which they never responded back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A check was stolen from a friend of mine, originally written for XXXX USD. The person who took the check changed the name of who the check was written for. Changed the written amount section to XXXX. It was very clear by the check image that these changes were made. 14 hours after the check was deposited i got a text message from BOA, stating they were suspect of fraudulent activity. I reply yes and immediacy call the bank on XX/XX/23. The deposit was initiated on XX/XX/23. I spoke to someone at the bank and they indicated " yes, the check is clearly modified and Id have my money back in 2 days. On XX/XX/23 I call again and the person says they don't see the fraud claim and Id know from 60-90 days. I said that was unacceptable and let me speak to your superior. He come back and says yes, we will take care of this and you'll have your money back in two days. That does not happen so I call again on XX/XX/23 and this person indicates BOA will review and make a determination by XX/XX/23. I know how clearing houses work with banks, I cant access all of my funds when I deposit a check from another bank into BOA for sometimes 7+plus days. I am shocked the depositor accepted the check in its condition. I speculate that someone at BOA failed to file this complaint correctly. BOA has not even sent me a message on my " case '' following XX/XX/23.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
XXXX cellular reported me for a debt of {$190.00} due to them saying they did not receive a phone back from me. Their records show that they received the phone on XX/XX/2022. They admit they took this phone off of their " blacklist '. But in error, it went to collections anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
To whom it may concern, Freedom Mortgage claims two recent late payments for XXXX and XXXX of XXXX in my credit report. Nonetheless, these two payments were made and received ON TIME as shown in my attached payment history. However, in both instances, the payment amount was incorrect by less than {$60.00} due to a recent change in my escrow account calculations. Freedom Mortgage did not apply the payments received to my account or notified me in a timely manner of this change in escrow. Upon realizing the discrepancy, I reached out to them and made the necessary payments to cover the difference between the payment made and the new amount ; and they refunded/waived late fees on the account as a courtesy. 

On XX/XX/2023, I received notification from all 3 credit bureaus claiming that I had two late payments on my Freedom Mortgage account, even though I assumed this matter had been resolved. I contacted Freedom Mortgage immediately and spoke to a representative who failed to understand the situation and provided no resolution. I am a XXXX XXXX XXXX and do not this deserve this kind of treatment from this company. This practice is not in my best interest or that of any other military veteran. I have never made a late payment and now my credit rating has dropped significantly over a {$60.00} error. I am faithfully reaching out to you in hopes that you can reach out to them and this can be resolved without any further incident. I thank you in advance for your consideration and time regarding this urgent matter. 

Regards, 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 2023-04-14 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: VA

Complaint narrative:
On XX/XX/2023. I disputed inaccurate items on my credit report. On XXXX XXXX, and XXXXExperian sent a notification accusing me of using a credit repair organization to submit my letters, and in fact advised they were not going to investigate my claims, which is a violation of the FCRA. It has been well over 30 days, with no action done, which is another violation. I have attached the letters I have already sent to all 3 credit bureaus. These stall letters they are sending are not responses to the inaccurate information on my credit report.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/XXXX of 2022 I was put into a hospital for XXXX XXXX XXXX  and so was my husband during the time that we were in the hospital there was XXXX and a {$500.00} deposit deposited into my chime banking account when I got out of the hospital the bank said that they didn't know where the funds were that as far as they knew I received them but if I put in paperwork showing that I was in the hospital at the time that the funds were spent that they would replace them because I had insurance through my card holder agreement then when I put in my paperwork from the hospital showing that I was in the hospital all the sudden they didn't want to speak to me anymore they didn't want to answer any more questions for me and because I don't have an account open with them because they closed my account and I don't even know why they won't give me any interest to anything and I need that money because I lost my home in the XXXX  floods in XXXX Kentucky and I need a place to live you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with explanation