vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complaint is in regards to Chase Bank. 

The following 3 wire transfers are ones that I sent from my Chase checking account to XXXX XXXX Chase Checking Acct in DE. I truly believe all 3 are part of a scam. 

1. ) XX/XX/2021 - {$650.00} - Transaction # XXXX # XXXX. The recipient states that she was robbed of the money and her phone upon leaving the bank. Did not file a police report and still did not even after I asked her to. She sd after that she would return the money, but it was always an excuse. And took out a 3 mo salary advance and still couldn't return it. 

2. ) XX/XX/2021 - {$500.00} - Transaction # XXXX # XXXX. Once again recipient states she was robbed of the money and once again, did not file a police report and wouldn't when I asked. 

3. ) XX/XX/2021 - {$700.00} - Transaction # XXXX # XXXX. The recipients bank would not let her receive the wire transfer, locked her acct and DE police brought her in for questioning. Its just sitting in her acct. 

I have been dealing with this issue for 2 months. The Chase Wire Research Dept has a phone number but don't answer it and mgr I spoke to does not know why. The voice message just says to send a secure message. 

I kept getting repeated messages stating still ongoing, no latest update from receiving bank. Also tt your assigned banker, don't have one and haven't in 3 yrs. The lady I have tt in the past has told me she can't tell me anything more than what is on her screen. 

Today they tell me that I should contact Fraud Claims. Thats where I started and why it got to Wire Research Dept.

Also today they tell me that they have tried to recover the money but no response from credit party.

I have asked to tt a mgr/supervisor in Wire Research , request gets ignored. I have asked for a branch mgr and phone # for recipient bank in DE, they say they don't have that info, but they have been messaging somebody. I have also asked for the address so I can call and get info of who to tt, again, request gets ignored.

I truly feel like Chase does not care about their customers.

I have filed a complaint with XXXX  about Chase Bank, the FTC about the fraud/scam issue, now you folks.

I look forward to hearing from you. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Called and each rep. stated that the old address has been removed that I am not legally able to receive mail.

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 2022-02-07 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: TX

Complaint narrative:
I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Equifax. I have gotten absolutely zero response from either and the account continues to be falsely reported. I do not believe that an investigation was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have new & updated information on TRANSUNION, XXXX, and XXXX. Someone is using my identity to furnish items on my behalf. TRANSUNION, XXXX XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. TRANSUNION received it on XX/XX/22, XXXX received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= TRANSUNION XXXX XXXX XXXX and XXXX Them= TRANSUNION, XXXX, and 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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX / XXXX / {$1300.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX  ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 Lobel financing. I was paying them payments and one point. They continue to do a charge off even when i was paying. I recently been working on my credit so i asked them if i can settle pay and delete. We settled for XXXX. They continue to post a balance of XXXX. Ive lost a lot of points since then. It looks like they have put that balance to 0 but how do i get the lost points back? Also, its still showing, not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute on XX/XX/21 to have the address XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX deleted due to the fact that this is not my address. It was not removed. I then sent Experian a certified letter on XX/XX/21 asking for it to be deleted and I got no response, and it was not deleted. This information needs to be deleted as it is not my address. 

Cert mail tracking : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-02-07 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: IL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
There was a {$25000.00} transfer from my checking account that was not authorized by my wife and I

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 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Ally Auto Finance I need your help. Ally Auto Finance has hidden charges in the XXXX XXXX Contracts. 

Permit me to explain. On XXXX of XX/XX/XXXX I entered into an Auto Finance Contract with Ally Auto Finance via XXXX XXXX XXXX, XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. The interest was supposed to be 7.09 %. 

However, Ally Auto Finance has instituted some creative Finance Charges in addition to the Interest Charges. This is totally Ludicrous and highly Unethical. 

I am not paying 7.09 %, I am paying 7.09 % + a fabricated Finance Charge. The Finance Charges nor Interest Charges are disclosed in the monthly statements. Instead when you receive youre your Monthly Statement there is an area marked Last Paid which contains a column named Finance Charge. There is NO disclosure showing the Interest Paid just the Finance Charge Paid and there is NO calculation showing how that number was derived. Such as Number of Days in the Billing Cycle. ( See attached titled : Ally Interest Statement XXXX highlighted in yellow ). 

I have put together a Summary Sheet ( see the attached titled : Ally Calculated Interest XXXX ) which shows the amount charged by Ally under the column titled Ally Interest ( highlighted in yellow ). I have also included a column titled Calculated Int. ( Interest ) which represents the Interest that should have been paid based on 7.09 % APR. 

Please help me to extinguish this Unethical Business Practice and please keep me informed as to your progress. 

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Called and each rep. stated that the old address has been removed that I am not legally able to receive mail.

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 2022-02-07 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:
After years of never looking at my credit report, I applied for credit and was told I have an old collection item. I contacted XXXX and was told they are collecting for another company, XXXX XXXX XXXX XXXX. They said that they were collecting for an anesthesiologist but could not give me the name of the doctor. 
I was then told that I could contact the hospital records department for that information. 
The hospital records department said the item is too old and I should contact the hospital records archive department. 
It became clear the collection agency XXXX was having me do their work in trying to verify the legitimacy of debt. 
I wrote to XXXX demanding proof that I signed any document or otherwise verbally agreed to pay for an anesthesiologist that I don't recall ever meeting or using their services. I asked for a response within 30 days. 
The response came in the form of an invoice from XXXX XXXX XXXX XXXX. The invoice had my name and a dollar amount due but had no authorizing signature as I requested. 
A second demand letter was sent explaining that they clearly missed the entire purpose of my first letter. 
I asked for a complete and adequate response within 15 days. 
XXXX and XXXX XXXX XXXX services have not removed this negative item from my Experian or XXXX credit reports. 

Now I seek your help.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

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 2022-02-07 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: IL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CURO Intermediate Holdings
State: MO

Complaint narrative:
XXXX LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED XXXX AND AD ADSTRA RECOVERY TO VALIDATE THE DEBT, PER THE FDCPA BOTH ARE IN VIOLATION .... IT TIME XXXX COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR XXXX TO PROVIDE ME WITH THE VALIDATION, AD ADSTRA IS COMMITTING FRAUD AND XXXX SEEMS TO BE WORKING WITH THEM, I DO NOT OWE AD ADSTRA, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Worth Finance Corporation
State: TX

Complaint narrative:
Worth Financial is not authorized to inquire or add any information to my credit report. They inquired my credit after a transaction. there was no application nor contract regarding this transaction. Furthermore, Worth Financial was informed that I was a victim of XXXX and ill and requested accommodations. Worth financial attached late fees an reported delinquent payment to my credit report. Never authorized them to report anything to my credit.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These people have terminated my bank account in a retaliation merely for filing complaints against their illegal, unethical, incompetent immoral services with your agency. Please urgently investigate and advise. Please keep my account open as they are violating their own corporate by laws, and terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: AES/PHEAA
State: NJ

Complaint narrative:
U.S. Department of Education sold my information to Fed Loan and Fed Loan sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
During the COVID epidemic, which resulted in a reported 38 % increase in used car prices, several major manufactuers ( XXXX, XXXX ) instituted policies which precluded lessees from exercising the purchase option outside of their own dealership of forcing the lessee to purchase the car themselves and then sell it.I received offers from both XXXX and XXXX at substantial amounts above what XXXX  was willing to pay after I found out I could only exercise my sell through a XXXX  dealer.It is obvious that XXXX  wanted a major piece of the equity buildup, even though they had priced the initial lease with their standard profit margin.I do not see how this policy was deemed legal and in violation of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A person made fake job offer and send me fake check to set up mini office at my place. So wells Fargo bank cleared the check at first and money was available in my account. I had to order stuffs for mini office online and send money from my account. After 24 hours bank returned the check and my own money is gone. The person whom I sent money is a XXXX XXXX XXXX account holder and they got the money. Now my bank is not helping me to recover the money and also behaving that it is my fault. My account balance is negative and I can't pay off the debt. Bank is taking zero responsibility

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