vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase bank, and on XX/XX/2022 i went through the drive thru service to withdraw {$8000.00} from my savings account. The teller did not ask how i wanted my bills ( as accustomed ) and she proceeded to give me all types of change from {$100.00} 's to {$50.00} 's to {$20.00} 's. I counted the money while in line and proceeded on my way ( no transaction receipt was provided to me ). During the week i tried to deposit that money to another bank and the bank will not take 1- {$100.00} bill. On Wednesday XXXX, when I had a chance i called the bank where i received this money but i had no luck reaching anyone. It wasn't until Friday XX/XX/XXXX that i had the time to stop by the bank to try to handle this issue ( thinking they would take care of me ) but instead they did not take responsibility for this. Instead they told me why it took me so long to report this bill back to them and that the only thing they could do was to send the bill to the " federal reserve '' and have them re-issue the bill to me. I followed up with them today XX/XX/XXXX ( 2 weeks later ) and now they are saying the secret service in XXXX TX is looking in this. I am in awe as how this is being handled and never have i EVER dealt with issue like this in any other bank institute. This XXXX XXXX was given to me at Chase in XXXX XXXX TX and the way they handled the situation with me is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I paid a hospital bill that was outstanding. Shortly after that I started receiving phone calls and texts from Wakefield and Associates regarding an outstanding balance that they were trying to collect on. I contacted the hospital which verified the bill was paid and they indicated they do not hire collection agencies and were not sure who this company was. 

I am receiving harassing calls and texts from this company on a daily basis, despite me informing them this bill has been paid. This is affecting my work day with nuisance calls. I am requesting that the CFPB contact Wakefield and Associates to stop this harassment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was contacted by Chase about fraud on my account using XXXX payment. They confirmed my account by calling me back and the phone number listed was the same Chase number that is on the back of my debit account XXXX. Explained to me in detail what I needed to do to protect my account. At the time they instructed me to send {$1800.00} to myself but the number was XXXX. The money was then sent and wasn't able to stop the transaction. The whole ordeal lasted about 15 min. At the time I was out of town on vacation so it was difficult for me to understand that Chase fraud itself was the scam. I've spoke to Chase and have open 2 claims and both were denied. Now that this has happen I even saw a local news report that states the exact scenario that happen to myself. 

https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
XX/XX/XXXX, I wrote a goodwill letter to forever21 politely asking to remove the delinquency from my credit report. It was hand written and sent out never to be heard from again. I am quite certain that this has been an ongoing negative check on my credit since XXXX  not allowing my score to increase as I have been working towards a better score for the last few years. This company is bankrupt and out of business in many locations, and to still have such a negative effect on my credit is reprehensible. Please help me resolve this matter ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I tried to access my online savings/checking/HELOC account over the weekend of XXXX. I got an error message saying I needed to call. I called and there was a message saying they were doing website maintenance so I assumed that was the problem. I waited until XXXX. Still locked out. Called told there was a security lock on my account due to someone trying to access my information by phone fraudulently. I would need to visit a branch to rectify. I went to branch and was photo ID 'd and they established a code word I would need whenever I called about my account as an extra layer of security. However they said they were unable to remove the block I would have to speak to the security team via phone. I went home to call the security team. They are only available XXXX on weekdays and hold times are over 1 hour. I have a job and was unable to call from work. I finally took off Friday afternoon XXXX ( unpaid ) to try to call. I was on hold for 2 hours and 4 minutes. They were able to unblock my account. It is completely unacceptable that they were able to block my account for a week and I had to take off of work to be on hold for more than 2 hours. This was no fault of my own and it needs to be easier for customers to get through to access their own money. It was bad enough having to go to a branch in person -- but they were unable to completely resolve the issue. I also had no official notification that my account was blocked by email or in writing, I had to find out on my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
On XX/XX/2018, I was taken to the XXXX XXXX  Medical Center Hospital Emergency Room, via ambulance. I provided my valid Louisiana Driver 's license with my correct name and address, and I also provided my valid health insurance card with XXXX XXXX and XXXX XXXX of Louisiana. As of this writing, I have NEVER received an itemized statement evidencing charges by the independent contracting company for physicians ' services through the emergency room, despite many requests. Now, a credit agency has reported the debt to XXXX and greatly reduced my XXXX  Score causing damage to me. I am trying to obtain a home loan and the creditor is causing great damage to me. My husband has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has about 4 months to live. The Creditor is causing a tremendous amount of stress to my husband and thereby shortening his life even more. The creditor has to date failed to provide an itemized statement and as such, as prejudiced me from controverting the charges. The creditor has to date failed to file a claim with my health insurer, thereby causing additional damages. Had the creditor adequately performed its duties and filed a claim with my health insurer IN 2018, I would have been able to pay the deductible at that time. Now, while I'm trying my best to survive on one income, with a sick husband, the Creditor files a negative credit report? It's absolutely terrible and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08 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: IL

Complaint narrative:
Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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 2022-07-08 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: IL

Complaint narrative:
Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Corporation of America
State: TX

Complaint narrative:
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against FINANCIAL CORPORATION OF AMERICA for committing identity theft. I have never given FINANCIAL CORPORATION OF AMERICA any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FINANCIAL CORPORATION OF AMERICA can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FINANCIAL CORPORATION OF AMERICA continues its collection efforts, I will file for litigation for actual damages caused and FINANCIAL CORPORATION OF AMERICA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: AZ

Complaint narrative:
I was told that my percentage rate was 5.3 % with 21st Mortgage Corp . ..When I went to Re-Fi with XXXX XXXX XXXX XXXX , they told XXXX XXXX  that my mortgage was only 4.0 % ..Not once but twice. Because the first time I was locked into XXXX XXXX  for 2.5 % but the guy doing my loan blew me off. So when I get the new deal from XXXX XXXX, it's now at 3.125 %. They waited till interest rates shot up again and I was convinced ... .If my rate is truly at 4.0 % it would be a waste of time and money to Re-Fi on 1 % difference .Why are they charging me 5.3 %.? Is it LEGAL to LIE to another financial institution, to convince me that it's not worth it to KEEP me paying that EXTRA 1.3 %? Because Thats what It came down too. Interest rates went up again and I'm Stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Attached is a FTC Report for IDENTITY THEFT for inquiries I did not authorize anyone to use my personal information nor did they have a permissible purpose 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have had an express department store card with Comenity Bank for years, never had a problem. I have been trying to log in and pay my account for almost a month and their system has been down for updates and not allowing anyone to make payments. When you call them, their office is temporarily closed. I cant speak to a live person, I have been unable to email them, but I have contacted them via XXXX and XXXX. I keep getting the same responses. That it will be fixed by XX/XX/XXXX and it hasnt. Now theyre telling me due to the high volume of people trying to make payments, I cant log on!? I have excellent credit, have never been late and Im very upset this will have a negative impact on my credit bureau. I am desperate for help, as are MANY others on social media if you look up Comenity bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  account # xxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly 100 % inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.

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 2022-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At the end of XXXX I tried to open a 18-month CD with Capital One Bank online . After a couple of days I realized they never received the transfer of funds from my existing Bank, XXXX XXXX. I went in person and we did the whole thing with the manager and she said everything was fine. A week went by, I called several times I was told to wait a few days it takes a while As of today I was told when I called that the account was closed because the money never transferred. I explained that I saw on social media that Capital One was having trouble with their funds transfer software. They just insisted that I did something wrong, this after several attempts and several phone calls and a personal appearance. No one called me or acknowledged the account.

Company response to consumer: Closed with explanation