vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I was informed that my non public personal information was compromised as a part of the XXXX of XXXX breach. This included my checking account number as a dd recipient with JPMorgan Chase. I went into my local Chase to close my checking and open a new one. They eventually opened a new account, froze the old one, prepared a list of my outstanding items, dir deposits, and auto pymts. I was told their BACKOFFICE will pay the listed items on the new account. The list included my Chase Visa ccard which I pay in full each month and my Chase mortgage. Within two days I started receiving text messages from Chase notifying me of items clearing listing only an amount. I went to Chase for more info and was told it was a fraudulent text, to delete it and block the number. It was my XXXX pymt. It was returned not paid. Two days later Chase informed me that they were closing my accounts. Once I found out they decided to close my account, I tried to just close it in person and was told I couldn't and they would send me a check within 7 to 10 days. They have now frozen my new checking account, closed my debit and Chase rewards credit card ( forfeit rewards earned ). They will not allow me to withdraw any of my over $ XXXX dollars which is what I use to pay my cc and mortgage as well as all other expenses. Nor will they explain why they are holding my funds. All deposits to my account acct are collected funds, XXXX of XXXX XXXX and Social Security. I have been with Chase since the XXXX XXXX purchase with no NSF or fraudulent activity ever. There are no legal related garnishments or other holds. I don't know what to expect when my next retirement wages come in on XX/XX/XXXX. I am a fully XXXX XXXX XXXX retiree. I have not had access to my funds since Monday, XX/XX/XXXX and have yet to receive any of my money or a reason for their behavior. I was told that they do not have to provide me with a reason. I previously filed a complaint against Chase through CFPB and wondered if this was their way to retaliate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.

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 2023-04-01 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo dealer svc account has been closed previous year a derogatory note has been put on my credit XX/XX/2023 account has been closed since XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-04-01 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover has a policy that when you make a payment on your credit card, even a minimum payment on the card, if you have a bucket of the balance at a 0 % promo interest rate, and another bucket of the balance at an interest rate being charged, the principal portion of your payment goes towards the bucket that is being charged a 0 % interest and not the bucket being charged interest. I talked to Discover about this about 3 weeks ago and they informed me that this is their policy which from my understanding of regulations, any principle portion of a credit card payment should go towards the balance being charged the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Charged XXXX  to XXXX  dollars a month still even though I used my debit card for everything. Other problems too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: OH

Complaint narrative:
I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: OH

Complaint narrative:
I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXXXXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-01 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-01 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: NJ

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2023 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to XXXX XXXX XXXX using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent XXXX XXXX XXXX a notice to cease and desist and a notice to validate the debt which they have failed to abide by. XXXX XXXX XXXX is now civilly and criminally liable for violating my consumer rights. XXXX XXXX XXXX XXXX has yet to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent a Invoice using Square Invoices to a client that paid and is receiving consultation from my company. Now my Square account is being closed and my funds held for 90 days. Nothing was done wrong my client is completely happy with our services yet Square has closed my account and wont release my funds for 90 days. This is completely wrong and will not be tolerated and I am requesting for immediate release or my funds or i will seeking litigation and contacting the DA office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: SC

Complaint narrative:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}

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 2023-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/2023 between XXXX I went to a Huntingtons Bank Branch and I went to one of there 3 ATMs to deposit money ( {$500.00} ) onto my XXXX XXXX XXXX XXXX XXXX . I did the same as I have done before and never had problems but this day the atm said upon depositing money I did not put the cash in machine in time and they were holding my funds and for me to contact my financial institution. The machine also locked my card for about 5 mins or so. I called the 1800 number on ATM, I also called both financial institutions when they opened up. My XXXX XXXX issued a dispute on behalf of me and on XX/XX/2023 I got a call saying it was denied. I then contacted Hungtington and visited branch and still got no resolution, neither did it seem as though they were empathetic to the matter or helpful in any way. I felt like the branch manager was not trying to offer any options to get matter resolved she was very short with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I asked the company to stop calling and harassing me

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 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last year in XXXX, I signed up with XXXX online market place by paying {$750.00} in fees. They asked me to fill in a form with a third party company, named clover connect owned by Fiserv, which is managing the online transactions for this market place. Per their online form, I provided details for my bank account for ACH payments to my account for any sales I make on this market place. I was away in XXXX for family matters and did not notice that XXXX XXXX after taking my bank account detail started making ACH debits from XX/XX/XXXX. Further more, from XX/XX/XXXX, the company started deducting {$29.00} additionally for a total for {$49.00} every month. When I found out about this in XX/XX/XXXX when I paid attention to my account upon my return from XXXX and contacted XXXX XXXX, they mentioned that additional {$29.00} was deducted because I did not complete their online form for PCI compliance. When I enquired about this, they said that I must fill this form even if I don't have any cards with them and I have no direct account them. They said they will stop deducting payments only if I fill the form which essentially required me to go to their online website and state that I don't use their card payment platform. All the while, they did not send a single notice of payment or penalty.. They committed fraud by making unauthorized ACH debits into my account with no invoice or bills. This may be the only company in the world which accesses individual 's bank accounts and charges monthly fees even if my company is not a direct customer, and furthermore, charge penalty for not filling their online form for what they state as one of the steps in their onboarding process, when infact my company is not even a direct customer of theirs and they have no right to charge my company for not filling an online form. Please note that they needed me to only state in the online form that t am not their direct customer and that the transactions are done on online market place which is PCI compliant, and therefore the PCI compliance steps are not even applicable to my company. The company too {$210.00} from my bank account unauthorized. Request you to kindly take action on this company for the fraudulent and unauthorized withdrawal of money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited an endorsed check in the month of XX/XX/2022 that was specifically signed over to me by my associates reason being them not having an account or ids to be able to cash their check. So they signed the check over to me and we all agreed that I should pay them the money for the check while I waited for it to be available. So I agreed and the check was processed and deposited into my account but my bank for some reason has had my account on hold since then and Ive been unable to access my funds. Ive made countless phone calls and was asked to bring 2 forms of id to verify myself. I did that and was told will be able to access my funds in 48hrs, so 48hrs later Im still unable to access my funds so I called again and they requested I came into a branch. Now this branch that I went to located in XXXX XXXX XXXXXXXX Maryland. The employee that assisted me was extremely rude and distasteful for no apparent reason but had a completely different attitude with the Caucasian gentleman who was ahead of me. I was then required to bring in the individuals whos names happened to be on the check which happens to be quite impossible for me to do because I cant seem to get a hold of them. Besides this is just unnecessary because my account was funded the money with no issues and its been available for me to use but the hold on my account seems to impede my access. Its been over 7months now and everything month I get a bank statement from Truist bank & I see a monthly fee of {$20.00} being taken from my account but I cant access it. I feel as tho TRUIST BANK is taking advantage of its minority customers. Theres no reason why my account is being placed on hold for as long as its been over half a 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 explanation
Consumer complaint received 2023-04-01 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: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}

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