vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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:
On XXXX XXXX I sent a wire transfer to a XXXX account.Then after research I found the transfer was a scam commiting fraud.I then went to my bank ( Chase ) on XXXX XXXX and recalled the transfer.To this date XXXX XXXX I have received no notification of my funds being refunded.Have worked with my bank ( Chase ) since XXXX XXXX to no avail, but XXXX bank doesn't even want to talk either to me or my bank ( Chase ) .There is quite a considerable amount ( {$42000.00} ) taken from my lifetime savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2023 PNC was notified that XXXX has pulled out of the state of Florida for home owners insurance. Despite them receiving a new policy to pay that I signed, they still paid XXXX a premium, for a policy I would have never had. They received a quote from XXXX insurance and paid that premium without my authorization. Then the insurance that I signed up for, they decided to pay them twice. All by the time it was XXXX. I received the check from XXXX and deposited it back into my PNC escrow account on XX/XX/XXXX, but they said it will not hit my account until XXXX. I found out about the additional payment to XXXX XXXX on XX/XX/2023. I had to speak to two people in the insurance department before someone would finally put a stop payment on the check since XXXX XXXX already cashed the first one and had not received it yet. That also will not hit my escrow account until XX/XX/XXXX. They have done absolutely nothing to fix this and put the entire responsibility on the consumerme. They then reported this to the Credit Bureau saying that I took money out on my home changing my total balance with them. Over {$13000.00} of a difference on the balance I owe on my home. This has dropped my credit score. I have to wait until XX/XX/XXXX to then have to call them, ask them to re-evaluate my escrow account. Once I do that, I then have to call the mortgage department for them to call the credit bureau and explain what happened to they can edit my credit score. PNC has made numerous payments on my behalf without my authorization. They were never going to fix this without me finding it. They were not authorized to change my balance. Then they wrongly charged me additionally for hazard insurance until I had to make them look at my insurance policy to find I did have hazard. At that time they had THREE policys on my account and still said I didnt have hazard insurance. PNC customer service is pointless. Their departments are pointless. They make massive mistakes and require their customers to do all the work for them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over XXXX plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm XXXX, XXXX XXXX  XXXX to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back XXXX plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : New Century Financial Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, ext. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-05-03 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: AL

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
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCalla Raymer Leibert Pierce, LLC
State: IL

Complaint narrative:
Long story short the debt was discharged with a Notice of Presentment signed by me the Creditor. with all of the proper endorsements. XXXX XXXX keep on billing us and 9 months later they sold the alleged debt to MCCALLA RAYMER LEIBERT & PIERCE THEY ATTEMPT WITH THE JUDGE TO MAKE IT STICK BUT We did a Forensic Analyst On the Summons. No one respond it was done Register-Mail. I demand that 3 rd party debt collectors produce sign contract. There is a list of violations commented by the agent of McCalla Raymer Leibert and Pierce XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 m a victim of identity theft trying to get my credit report back where it was

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY 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 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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX I reached out to cash app to get a problem resolved with an account I don't have access to. Today is XX/XX/2023 and I have yet to receive reimbursement, let alone help accessing my previous cash app account to receive the {$65.00}. I've called cash app 7 times in 2days and reached out through the app to recieve help as well and No one has answers nor problem solving techniques when it comes to this issue.They all tell me the same thing It's nothing that they can do even though I have money in my account and my social security number is connected to it. They won't even refund the money to the people who transferred the money. They were told to have me reach out to get help with accessing the account but no one is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not remove my negative XXXX XXXX XXXX account from my credit report. All other agencies have but I continue to get denied for credit due to this inaccurate reporting. I paid the balance in full to the lender and they agreed to remove it from my report but have not.

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 2023-05-03 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: AL

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 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 2023-05-03 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: SC

Complaint narrative:
On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.

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 2023-05-03 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: AL

Complaint narrative:
They are violating my consumer right under the Fair reporting acting Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I am a XXXX XXXX  XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over 20 plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm Pressler, Felt and Warshaw to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX  Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back 20 plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have further been unable to get my money from merrill, i did a mobile deposit of XXXX into my account on XX/XX/2023, the check came on my middle name and last name ( XXXX XXXX ) so i signed the back with my full name XXXX XXXX XXXX, the money was paid but My account was closed as far back as XX/XX/2023, when i called for my money i was told told my check has been processed and i will get it in 7-10 days, so i waited till XX/XX/2023, i have to travel on XX/XX/2023 so i was trying to get my money my check did not come in the mail so i called Merrill and i was told by a manager that my check wasn't mailed that they sent my money back to the bank where it came from, since i didn't do anything fraudulent i pulled a call through to my bank at the other financial institution and they told me Merrill never sent them my money, that they've paid my money to merrill since XX/XX/2023, merrill cashed my check since XX/XX/2023, why is my money still with them? also after closing an account the rule states you mail a check to the last address on file, i have waited long enough and now i have my business to attend to .i have attached evidence of call to merrill XXXX and to the other financial institution and also attached the prove that my check was paid to merrill XXXX along side a copy of the legitimate check deposited into my merrill account. I NEVER DID ANYTHING FRAUDULENT. why did merrill had to lie to me that they sent my check out on XX/XX/2023? why did they have to lie when i call on XX/XX/2023 that they sent my money back to the bank it came from? why are they holding my money after closing my account? why did they violate the regulation E by holding my mobile deposit for over 30 days after getting paid for a legit check.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed my initial claim with AMEX on XX/XX/XXXX for {$840.00} and {$520.00} due to the ATM not dispensing cash. I waited over a month for the case to be investigated. During that time I didn't receive any provisional credit on my account, which is standard PRACTICE at every financial institution. I received correspondence from AMEX on XX/XX/XXXX that stated my claim was denied. In the letter, nothing was specified as to what documents were used in the investigation. ATM transcripts are unreliable and frankly speculatory, but I haven't even received that. ATMs malfunction, therefore more needs to be done to thoroughly investigate. To date, I haven't received any documentation that supports their findings. Moreover, I called to inquire about why my claim was denied and I was told I have to contact the ATM 's bank to receive a refund. That is factually incorrect ( go listen to that call like you did my previous one and educate your representatives on the proper procedure for this issue ). I've been with this bank for 3 years, make my payments on time, and keep my account current. Yet, I am being completely disregarded- and I am receiving substandard customer service. This is downright incompetency and carelessness. I will be reaching out to the news channel as well as the Federal Trade Commission regarding this issue if it isn't resolved. I have waited so long, without my money, and AMEX refuses to return it. Absolutely reprehensible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Requested debt validation from collection agency ; validation not provided. Collection agency proceeded to report 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 2023-05-03 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:
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 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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
American Express opened the High Yield Savings account and Roth IRA accounts immediately. I connected my other personal bank accounts. I made a deposit via a wire transfer. It was successful. I made a deposit via a check from XXXX XXXX. It was successful. The next day, the check was returned. I received no notification as to why. I then tried to make further deposits to my savings account and Roth. Nothing worked. There was no explanation why. The entire time, American Express sent emails asking me to make deposits. At no point did I receive any information of fraud. Yesterday, I called. It has been 3 weeks with no activity or explanation. I got through security and was transferred to the Fraud Team. Someone named XXXX said he would not tell me what was wrong with my account and that I needed to complete an Affidavit of Identity to gain access to my account. I explained that I would rather close the account. I asked them to return all funds to the original accounts and to reimburse me for the fee to issue a new check. He refused. I asked for proof that I was informed about the fraud on the XXXX of XXXX. He told me that he would send me the email. It has been over 24 hours and I still have not received the email. He also said that American Express called and left voicemail messages. He would not say the date. He lied. I spoke to another supervisor who told me I could email XXXX. That email was returned. She lied, too. I was told the only way to communicate in writing was to send a fax. I have sent over 5 faxes with my name and account number over the past two days. Not a single fax has been connected to my account. Apparently, a person decides which faxes will be actioned. They don't use XXXX. I was told a supervisor within Banking Operations would call me today but that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Lady called and got me to verify my information by telling me the phone call was about a credit attached to my XXXX account. After verifying my XXXX she let me know it was actually to settle a debt. This was on speakerphone with my partner being able to hear. We are already having issues.

Company response to consumer: Closed with explanation