vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: NJ

Complaint narrative:
My bank card and account are administered by Wisely, ADP is the agency that handles the fraud complaint. 

I had XXXX unlawfully deducted from my account on XX/XX/2022. There were 3 withdrawals made in XXXX XXXX NJ, one for {$500.00} made at XXXX XXXX  est this was at a XXXX XXXX  located on XXXX XXXX in XXXX NJ. One for {$300.00} made at XXXX XXXX  est from a XXXX ATM located on XXXX  XXXX in XXXX NJ. One for {$180.00} at XXXX XXXX  est from the same XXXX ATM located on XXXX  XXXX in XXXX NJ. The times are important as you will see. My ATM card has a cash withdrawal limit of {$1000.00}, also important as you will see. There was also an attempt from a XXXX XXXX ATM located in XXXX at XXXX and XXXX on the XXXX of XX/XX/2022. 

I live 2 to 2.5 hours away from XXXX NJ and XXXX, I have never made any type of banking transaction anywhere near that area, and my card CAN NOT be used OUTSIDE of NJ without first going on-line and allowing out-of-state transactions to happen. 

I found out about the unlawful charges on XX/XX/2022 at XXXX est, and reported the unlawful transactions immediately. Calling the bank at that time. 

I was told to wait for a letter that I would have to sign and return. That " Statement of fraud '' was received via US mail delivery, on XX/XX/2022, I immediately filled it out and returned it to the email address on the letters as directed. 

We received a DENIAL letter on the XXXX of XX/XX/2022, alerting that " The investigation has been finalized and we've determined that there was no error. Records analysis indicated that no fraud has occurred as investigation results match the information on file. No credit will be issued. '' Upon receipt of the letter I called the bank and inquired as to when the investigation took place and was told that a determination was made on the XXXX of XX/XX/2022, and the letter was sent out the next business day. 

How could an investigation take place in the short amount of time from when I emailed the " Statement of fraud '' letter at XXXX XXXX  est on the XXXX, and the result of the investigation had been completed on the XXXX of XXXX? 

A TRUE investigation would have noticed that there was a withdrawal at XXXX, and then another withdrawal at XXXX, over 100 miles away, and takes 2 hours to drive to. Not to mention the XXXX withdrawal that I DID MAKE at XXXX should have been DECLINED for breaching the XXXX cash limit withdrawal PER CARD. I should have been notified on the XXXX that an attempt to use my card was made in XXXX which also breaches the out-of-state card notification. What kind of investigation was completed??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: FL

Complaint narrative:
Clarity Services is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are struggling continue to struggle. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the mortgage. We are still behind on bills and Wells Fargo only makes the situation worse.

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 2022-12-31 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: CT

Complaint narrative:
I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.

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 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jenkins, Wagnon & Young, P.C.
State: TX

Complaint narrative:
INCORRECT AMOUNT OF DEBT Jenkins & Young, with knowledge inherent, made an assumption of risk and is not entitled to judgment. Jenkins and Young failed to provide evidence of how the alleged debt was calculated based on the original contract, billing statements, and so forth for the purported credit card.

MISTAKEN IDENTITY Jenkins & Young further fails to provide evidence of any relationship with XXXX XXXX assignee of XXXX. Moreover, Jenkins & Young further fails to allege that the Assignor even has knowledge of this action or that the Assignor conveyed all rights and control to Jenkins & Young. The record does not disclose this information and it can not be assumed without creating an unfair prejudice against XXXX XXXX. 

In addition, Jenkins & Young violates the Statute of Frauds and limitations as the purported contract or agreement falls within a class of contracts or agreements that are required to be in writing. The purported contract alleged by Jenkins & Young was not in writing and not signed by XXXX XXXX or by some other person authorized by XXXX XXXX and who was to answer to the alleged debt, default, or XXXX of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I asked TD to close my checking account. They did not do what I asked them to do. Instead, they kept my account open and continued charging me monthly service fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31 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: CORELOGIC INC
State: FL

Complaint narrative:
Credco is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
Deed was mis-recorded with just my name and not both my then husband and I. Home was declared and discharged in XXXX in 2009. I was told to move out and home was in foreclosure. My then husband joined the military shortly there after and was in XXXX. I moved out thinking it was being foreclosed on. Great, I could afford to live there and we did not want the house back. Years later I found out that I and I alone was sued by the hoa and bank had not foreclosed. I should have had SCRA protections but since my name was the only one on the deed I got sued. I have been defrauded over the last decaded, sued numerous times due to the deed being misrecorded. My now ex husband has been spared from any legal actions and this situation has caused no harm financially or emotionally to him. I have had to spend thousands in legal fees over the years. I had to file XXXX  last in XXXX because I am now XXXX because of an injury.. I am essentially homeless, but I do get a whopping XXXX a month on ssi. My bankruptcy is still ongoing because Ocwen is still lingering and I had to claim it as an asset. Ocwen is doing nothing with the property dispite letters from me from my attorney over the last decade trying to get this off the books and do a deed in lieu of etc. I either get no response or re-fi paperwork and a copy of the original mortgage paperwork where my ex husband and I closed on the property. This situation is simply ridiculous and I believe that it has violated my rights in numerous ways as well as causing me irreparable financial damage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Comerica
State: WI

Complaint narrative:
I have received over XXXX calls from direct express about a debit card. My son just got this phone # and I called asked them to stop which they said they couldn't do. I just want my sons phone number removed from their database. 
Phone number they are calling : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: AL

Complaint narrative:
TransUnion had false information on my credit report like address fraudulent information until they changed the address made account reporter accurate I have no knowledge of these accounts an they forced to make me pay a debt I have no knowledge of I requested everything dealing with this account never once received sign documents or writing agreement contract with XXXX XXXXXXXX sold my personal information to these companies illegally with notify me I never received any paperwork from XXXX XXXXXXXX about no debt or any Paperwork payment now another company trying collect debt to type of payment even the payment incorrect

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Your company is furnishing a bankruptcy to my consumer report inaccurately. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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:
DataX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/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 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.

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 2022-12-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I demand the removal of any and all " late payment '' entries or XXXX delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: FactorTrust, Inc.
State: FL

Complaint narrative:
FactorTrust is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: SC

Complaint narrative:
In accordance to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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 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 2022-12-31 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Genisis FEB Retail sold account to another agency ( XXXX XXXX ). The account was paid off. Payment received by the company XXXX XXXX. Genisis FEB will not delete account and they dont even own the account anymore. I need this paid account deleted because it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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:
LCI is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I tried to link Chase to my XXXX account. There were two small balance deposits from Chase into XXXX, and I verified those with Chase. 

Then I scheduled a {$1600.00} transfer for an approximate immediate time. I can not log in to Chase to see when exactly the transfer was scheduled. 

The transfer has failed, and I have not been notified. I would not have known had I not tried to log into my Chase account on XX/XX/XXXX and found my account locked. 

Calling the Chase fraud department has been useless ; they are unable to explain why my account was locked and why no steps were taken to resolve this. 

They claim they notified me, but won't say how that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
MicroBilt is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Due to LVNV founding company uptain my personal information from XXXX XXXXXXXX XXXX XXXX XXXX baught my personal information to untainted money unlawful activity an to damage my credit report history with proving identification card writing agreement from XXXX XXXX or a full disclosure reported false information should been reported on my XXXX report an XXXX XXXX  is already removed from my credit report LVNC founding still trying collect money from me

Company response to consumer: Closed with explanation