vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- On XX/XX/2022 I completed set up of a wire template from Chase to XXXX. 
- On XX/XX/2022 I initiated a wire transfer for XXXX usd from chase to XXXX using the approved wire transfer template. The transaction was rejected same day. I confirmed with XXXX  that the rejection had not come from them. Chase refunded the money to my account with no warning, no explanation, no message, and no indication of why it was rejected. I assumed I filled something out wrong ( even though I was fairly confident I hadnt ) and resubmitted, carefully following the template provided by XXXX and inputting all info into the chase form. I resubmitted same day. The money was withdrawn promptly ( as expected ) along with the {$25.00} transfer fee. 
- XXXX no update. Talked to XXXX they still had nothing from chase. At the end of the business day I received a canned response message from chase saying there were processing delays. I contacted chase for more info. 
XXXX no update. I received a response saying I should contact the fraud department. I asked how it could be fraud when I was using the approved form set up weeks in advance? No response. 
- XXXX still no update, no response, and now Im out XXXX $ plus the {$25.00} wire transfer for a transaction that never happened. I would have just done a regular transfer if I had the time to wait. 
- Chase has been generally unhelpful and slow to respond with most things. I believe they are having issues unrelated to myself and my account, and that me and many others are likely being negatively impacted by poor financial decisions by the institution to over leverage themselves as documented in the most recent Quarterly Report on Bank Trading and Derivatives Activities from the XXXX. 
- I am concerned that if I try and move money to another institution I will have more problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06 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: NC

Complaint narrative:
Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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 2022-05-06 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: NC

Complaint narrative:
Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft 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 non-monetary relief
Consumer complaint received 2022-05-06 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX 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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am aware that as a federally protected consumer, you have no legal standing and are unable to hire counsel, a lawyer vs. a consumer who is protected by the law. This account doesn't even reinvestigated date reported was way back 2020.

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 2022-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
PENNYMAC did not communicate well at all regarding my refinance. I was never called to discuss my appraisal, nor was I given a reconsideration when asked for it. I even asked for documentation stating a reconsideration was asked for and was told they did not provide that. My appraisal came in at XXXX less than what homes around me are selling for and my home was built in 2020. The company failed to enlighten as to why that was or work in my favor. The company failed to discuss the actual cost in fees to buy down my rate charging me an obscene amount in points. Without even mentioning it. I would highly advise anyone to use any company other than PENNYMAC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
This Morning, XX/XX/2022, I Spoke With A, " XXXX, '' And I Requested DELETION Of ANY CARD PREVIOUSLY Used To Pay Monthly Membership Of XXXX DOLLARS. 
I Also Requested Today 's Prorated Amount As I Am CANCELLING ENROLLMENT TODAY. 
" XXXX Quoted XXXX And I Questioned Why So Much For Just ONE WEEK???? 
I REFUSED TO GIVE MY CHECKING ACCOUNT NUMBER, OFFERING TO PROVIDE SOME OTHER MEANS FOR THIS LAST MONTH 'S PAYMENT. 
PLEASE PROVIDE AN ALTERNATIVE METHOD FOR PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT ON THE BEHALF OF MYSELF WITHOUT ANY THIRD PARTY OR INFLUENCE PLEASE SEE THE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT

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 2022-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX 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 2022-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
shellpoint mtg. denied the approved gov assistance of XXXX and to help keep our home wife totally XXXX salary cut in half XXXX XXXX XXXX XXXX XXXX XXXX XXXX i XXXX lost 2 jobs due to covid XXXX we have XXXX boys XXXX in college and the other in the elementary both on honor roll all we ask for is assistance to keep our home to avoid being homeless we always have lived paycheck to paycheck but never went this far. 


sincerely the 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 2022-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX and was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have only been at this address XXXX XXXX XXXX, XXXX, TX XXXX, never at any other address on my credit report. I have attached a copy of my Bill/DL for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a XXXX time forgiveness of the late payment. ( Basically I had to qualify for the XXXX time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.

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 2022-05-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( Equifax, XXXX and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: CA

Complaint narrative:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and gender marker ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and gender marker in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/gender marker, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from Experian with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a transgender person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on Experian 's website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXX and XXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information

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 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXX and XXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a check in the ATM of my bank on XX/XX/2022 at XXXX PM. The receipt stated that {$420.00} was the amount to be delayed on a check made out for {$650.00}. This was a Friday. I spend some money Saturday not knowing that the bank has placed a hold on the whole amount and funds will not be available until XX/XX/2022. I have reoccurring accounts set up with my bank. Going over my statement I notice that they are charging a late fee even before the late fee occurs in my account. Like it was a planned event on their end. I go to the bank Tuesday XXXXXXXX XXXX to ask why the hold is still on my check when the bank that the check was drawn on checked and saw that the check was cleared by their bank Monday XX/XX/2022. I went into branch office of Wells Fargo and asked why XXXX had not been completed. Because first of all, the funds were in the drawer 's account that day ( XXXX, XXXXXXXX XXXX ) because I took the payer to the bank as I have done for the past 5 years. This is the whole statement after depositing check : " A hold will be placed on the following check due to doubtful collectability. We have been notified by the paying bank that the check may be returned unpaid ''. Now while I wait on payment that I depend on to pay my debt, they are charging me late fees. That's not fair and if I can prove that the other bank did not send this message, what can I do to be made whole again? Financially in a bind like other Americans right now.

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 2022-05-06 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: NC

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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