vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with chase bank. I deposited my payroll check. A few days later the check cleared and i made a few withdrawls over the next week. Chase then closed my account. With {$440.00} of my money still in the account. I was never given a clear reason of there closing. Everyone i talked to at chase bank gave me a different reason. I tried calling many different chase numbers to find out what is going on. All, led me nowhere. I went into my branch many times. Only to be treated as i did something wrong. And they would not give my money back. They tried to make me start a new account. Just to get my money back. The alternative the manager said, was to mail me my remaining funds in a check from chase. It would take 7 to 10 business days i was told. It never happened. They never mailed me my check. 7 months now. I get a call from chase bank fraud unit. Now, they say, my employers address on check i deposited was not the address of his company. I asked if rhat was ilegal. They said no. I asked if they have any evidence of fraud. They said no. I asked them to give me my money back. They said no. They asked me to get my now ex employer, to come into there bank to varify this address he has on his payroll checks. I told chase bank i do not work for you. And, i am the one in the middle here, suffering from all this. I told them at that time, i have been through to much stress over this thus far. You have broken the law in the time alotted to hold my money. I want my {$440.00} plus comensation now. They told me no. And said, when i get my ex employer to come in and varify what they want, then they will release my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: CO

Complaint narrative:
I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. 

XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 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 2022-05-14 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 Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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
Consumer complaint received 2022-05-14 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-05-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my right. 

15 U.S.C 1681 section 602 A. states I have right to privacy.

15 U.S.C 1681 section 602 A.2 : it also states a consumer reporting agency can not fumish 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 2022-05-14 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: CNG HOLDINGS INC
State: CO

Complaint narrative:
I was a victim of the Great Flood in Louisiana XXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my credit reports in XXXX  Credit cards on my XXXX credit reports, namely Equifax, XXXX, and XXXX XXXX XXXX XXXXXXXX there are XXXX XXXX  XXXX accounts.Also there is The XXXX account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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:
n accordance with the Fair Credit Reporting act 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 instructio
ns

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 2022-05-14 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: FL

Complaint narrative:
Equifax continues to violate my under the FCRA 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

Equifax stated the account listed bellow was verified, how is that possible if they did not do a proper investigation? Every piece of information on this account is still not reporting 100 % accurate. By way of their own report dated XX/XX/2022 shows the account has not been verified since XX/XX/2022. Since more than 30 days have passed since I head from Equifax the FCRA 623 ( b ) ( 1 ) clearly states The credit reporting agency must respond to the dispute within 30 days or delete the disputed information from their files. Equifax clearly failed to do so as required by law. By way of their own admission via a letter dated XX/XX/2022 they are refusing to investigate this disputed item, far different from what they stated to the CFPB in a previous complaint. NOW IS NOT THE TIME TO VERIFY THIS INFORMATION, IT MUST BE DELETED AS REQUIRED BY 623 ( b ) ( 1 ) Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX  XXXX ( XXXX equipment and telephone sales ) since XXXX. My PayPal account ; XXXX has stucked funds in it that i have to withdrawn ASAP for emergency purposes. And i am hoping that i will get back my account and able to withdraw my funds. Thank you and Godbless. 

For isentity verification, i attached my valid ID. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NJ

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-14 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: FL

Complaint narrative:
I do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX XXXX, and Transunion. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX  XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.

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 2022-05-14 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: FL

Complaint narrative:
I do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX Equifax, and XXXX. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX  XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Had a talk with XXXX at the executive office ( XXXX ) who laughed on the phone after I told her your bank had racially discriminated against me. She told me despite her not being busy she wanted me to wait an hour in the normal line and she would refuse to honor Chase 's fiduciary duty to act in my best interest and help me. Close my Chase bank account ending is XXXX AND WIPE THE MONTHLY CHARGE THAT WAS LEVIED DUE TO YOUR BANKS SLOW PROCESSING NOW! CLOSE MY ACCOUNT AND VACATE THE NEGATIVE BALANCE IMMEDIATELY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Global Credit Union
State: MI

Complaint narrative:
I received a letter in the mail from Alaska USA Federal Credit Union telling me that they were turning down my application submitted online on XX/XX/22. I did not submit any such application, and had my credit locked through XXXX ( they notified me months ago of a possible data breach ) which is why they turned this fraudulent application down. I notified this company that it was a fraudulent application, and theyve noted this in my file. They had my ( correct ) social security number on the fraudulent application. Is there any way that I can get a new social security number since mine is clearly compromised? Alaska USA Federal Credit Union suggested that I file a complaint with you. Can you advise on what else I should do to prevent additional fraud? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with XXXX and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.

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 2022-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
I got a forbearance during covid due to XXXX XXXX XXXX XXXX being shut down. I lost all my income for a year and two months. I live on XXXX and the whole island was closed off with no tourism. Ive attempted to make repayment and have even sent a XXXX $ check. They wont accept a re payment plan snd want all the money at once. I need help ASAP.

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 2022-05-14 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING LISTED ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING LISTED ACCOUNT ( S ). BLOCK AND REMOVE

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 2022-05-14 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: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING LISTED ACCOUNT ( S ). BLOCK AND REMOVE

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 2022-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
sent payment of {$60.00} and they cashed it. check number XXXX processing date is : XXXX. They say they never received payment. We have sent a letter from bank that the check cleared. This wasn't enough for them. We sent a copy of check. They still continue to say I have late payment. We have faxed/mailed this document 3 time already and they don't clear it up. We have called several times trying to resolve this issue. They have reported this to the credit bureau and have messed up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I applied for mortgage refinance XX/XX/2021 with Arvest Bank. They required {$500.00} fee. All the information they requested I provided by person and email. My credit score is above XXXX, income six figures. Every month they requested bank statements and credit reports/scores. My mortgage was then appraised for less than original home purchase. This process went on until XX/XX/2021. Two days prior to the closing, Arvest informed me that I needed to provide another bank statement and credit report which required unlocking it several times. Needless to say closing never occurred. I contacted Arvest about the issue on several occasions. I was told that my account was transferred to different people so it was just miscommunication. I refinanced and closed with another lender 45 days later. I requested refund of the {$500.00} and was told it was used for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint against Experian and there is no third party involved. My personal information is inaccurate exhibits will be provided in this complaint showing the inaccuracies. My name is and addresses are inaccurate. The name on my ID is how my name should be spelled and the address on my ID is my only address. The employer section is inaccurate. I don't work at those places. ( Exhibit provided )

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 2022-05-14 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: Security Credit Services, LLC
State: CO

Complaint narrative:
I was a victim of the Great Flood in Louisiana iXXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.

Company response to consumer: Closed with explanation