vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2022 my XXXX account was hacked and suspended. Later on the same day, in an effort to regain access to my account, I called a " customer support '' for XXXX that a trusted friend shared with me. 

The people on the other end of the line were incredibly convincing, telling me that my XXXX account was suspended because scammers had accessed my financial information from XXXX XXXX. They even took me to a website that showed me where in the world people were hacking my account and showed me profile of a man named XXXX who was the key hacker they were going to report to the FBI. 

They convinced me to download a screen sharing app on my phone so they could help me identify any fraudulent charges on my Chase accounts and asked me to transfer {$1000.00} via XXXX to one of their accounts, XXXX XXXX with the email XXXX, to verify I was the owner of the account. I hit " cancel '' as soon as the money was sent fearing it wasn't legitimate, not knowing that XXXX transfers can not be cancelled. They then told me to download a XXXX app and deposit {$10000.00} in a local XXXX ATM with my ID and a XXXX code that they texted me. I was still sharing my screen when I enrolled in the XXXX app so they were able to see my face and my drivers license and potentially take screenshots. They told me hackers had all my personal information and were trying to make unauthorized purchases on XXXX for that amount and that if I did it with my identification verified it would cancel the fraud transaction they were attempting. The XXXX ATM required a debit card, which I did not have so I was told to go to another one as close in the area as I could. I was very uncomfortable and starting to get a lot of red flags so I only deposited {$50.00} to check their story and it was not what they had told me would happen over the phone. 

They got very angry and even more so when I wanted to get off the phone to call someone else to clue them in to what I was doing. They told me if I hung up it block their secure connection and the hackers would be able to drain my bank accounts. I asked them to send me an email to confirm they were actually with XXXX and they refused. They said XXXX had sent me enough notifications about the status of my account. They even wanted me to say " I will not blame XXXX for any money that goes missing from me account '' before they would give me authorization to hang up ( which I did not say and hung up anyway ). I then realized that they were scamming me and did not move forward with them and more. 

My bank, Chase, was unable to help me with the XXXX payment I made since it was due to a scam/fraud. They encouraged me to file a report with CFPB with hope you all may be able to assist or help get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: UT

Complaint narrative:
I do not have enough confidence in LEXISNEXIS to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to insure the accuracy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied to New York State Homeowner Assistance Fund, the program provides financial assistance to homeowners behind in their mortgage up to $ XXXX. NYS Homeowner assistance has not received a response from Citizen Bank, my mortgage servicer. If Citizen bank does not get a response from Citizen Bank, how are they supposed to be able to find available solutions like modifications on my behalf. 

New York State Assistance has been trying to get in touch with Citizen Bank since XX/XX/2022. Today, XX/XX/2022, I received a foreclosure notice from Citizen Bank. Mortgage rates have gone drastically up since NYS first reached out to Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
This is actually an addendum to my complaint XXXX. Despite XXXX telling you they're still investigating my complaint, they have sent me TWO letters - one on XX/XX/XXXX and another on XX/XX/XXXX denying they ever received Housing Assistance Fund money to pay off my debt. 

HOW IS THIS POSSIBLE, WHEN I HAVE A WIRE TRANSFER NUMBER I GOT DIRECTLY FROM THE PA HOUSING FINANCE AGENCY? The {$8100.00} I owed was paid off in XXXX!! 

Attached is my response to their 2 letters, and screenshots showing my correspondence on XXXX with the PA Housing Finance Agency, who have experienced nothing but problems from Dovenmuehle from the beginning of when I applied for a HAF grant ( XXXX 2023 ). 

NO ONE SHOULD EVER GET A MORTGAGE FROM DOVENMUEHLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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:
I have an account on my credit reports that has incorrect information. I've disputed it with the company and with both credit reports it is reporting on. 
The account has been on my credit report for years. It's even past the statute of limitations. I didn't care since I already took care of it years ago. The company sold it to a 3rd party collection company and correctly changed the balance and past due amounts to {$0.00} and noted that they had sold it to a 3rd party collection company. 

Now all of a sudden, at the beginning of this year, the company just out of the blue changed the information on my credit reports. They now claim that it's a charged off account and that I owe them thousands of dollars. In fact, on Transunion they claim it is open and on XXXX they claim it is sold. Just another couple of errors they refuse to correct. 

This complaint is against Transunion and XXXX as well. I have disputed directly with XXXX and they have not bothered to ever respond to my direct disputes nor to credit reporting disputes and neither Transunion nor XXXX abide by the FCRA and correct the errors. 

The FCRA says they must correct the errors or delete the information. They have done neither. They are in clear violation of federal law and they are damaging me immensely. I qualified to purchase a house and then these knuckleheads changed the information on my reports and killed my loan qualification.

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 2022-10-07 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: GA

Complaint narrative:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXL XXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}

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 2022-10-07 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: NV

Complaint narrative:
In accordance with the Fair Credit reporting Act the list of accounts below has Violated my Federally Protected consumer rights to privacy and confidentiality under 15 U S C # 1 XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # 3 XXXX  XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # 5 XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 2 ) ; It also states a consumer reporting agency can not Furnish a account without my written instructions 15 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NV

Complaint narrative:
In accordance with the Fair Credit reporting Act the list of accounts below has Violated my Federally Protected consumer rights to privacy and confidentiality under 15 U S C # 1 XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX  XXXX # XXXX # 3 XXXX XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 2 ) ; It also states a consumer reporting agency can not Furnish a account without my written instructions 15 U S C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy 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 2022-10-07 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00}

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This account was closed on XX/XX/2019 I submitted claims for unauthorized transactions due to identity theft crisis through XXXX data breach. 
The Bank of America account ending XXXX was closed with amount of {$3700.00} Which I have never received My claim number for unauthorized transactions is 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 2022-10-07 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-07 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Checking account frozen at least once every XXXX months including currently. I have tried to resolve this problem several times with no fix or commitment to fix from them.

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 2022-10-07 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
on XX/XX/XXXX My chase XXXX pay transferred to a different email id belong to XXXX account XXXX dollars but that email id was hacked by someone and that money was send to chase account person. why bank not refunding my money or not taking any action on the chase person. 
I have raised the police compliant. Hacker transfer to chase person and why chase not investigating that person account i still not understand... I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/2022 email from mortgage broker XXXX XXXX at Chase Bank. XXXX ID XXXX to explore a mortgage XX/XX/2022 convey him I would not need a mortgage as the house I saw over the weekend was old He then sent me a text message ( saved as proof ) called me a XXXX and a XXXX 

These XXXX  abuse were very powerful now it stays with me and make me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NC

Complaint narrative:
This is my ANOTHER 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 XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} 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