vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
This has been a surprising trend I've now experienced with different credit providers. They place a hold on my payment after it has been received posted and cleared my bank account. I will get a generic response explaining why they can hold it. 

My problem is that it incorrectly reflects on my credit when it comes to credit percentage utility and and available credit. It artificially looks like im using the credit and leaves me unable to use credit or take advantage of current promotions like 4 % back on groceries.

I've not had a payment returned and I simply asked Barclay to remove hold and what i can do to prevent this. They sent generic response and after stating I will contact CFBP to ensure my rights they want to schedule a call. I just want t be able to plan accordingly plan using my credit. I've become educated on reporting and how this causes negative points, and I'm exhausted of having to resort to CFBP to get assistance they should be offering.

I would like these artificial holds to cease, specifically when money has cleared my bank.

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 2023-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against XXXX. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with XXXX, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from XXXX on credit reports.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 XXXX my fiance deposited a check in his name for {$1000.00}. into my account at Chase bank ATM. The ATM receipt informs us of a 10 day hold that has been placed on the check as well as my account. This has NEVER happened before. I call immediately. The representative lied, said this was standard practice. I called back in the morning as I already had a feeling this was not right. Then began the process of many phone calls and failed attempts to fix the situation. Chase says they needed to verify my finances identity to release the funds. Every which way we could do this was somehow not an option for us. Pre pandemic, I had a Chase account for at least a decade, with many transactions proving my history with Chase and proof of transactions just like this one. That account closed while I was in the hospital so I had to open a new one. Chase then said my old account transactions are too old to use as proof. They also changed their policy, where we could no longer go into the bank in person with XXXX forms of ID as proof of identity. Implemented only XXXX weeks prior ( what we we're told ) without any knowledge to us. A notarized letter was not acceptable either. They said the only way to verify his identity would be to call him on a phone number verfied by them. Although Chase had several numbers for my fiance some of them were old and no longer in service. The numbers he has available to call they said could not be verified by their system. I even had our cell provider make sure my finances phone number is public record as his own, which we pay for. Chase still cant verify it. They say that his phone number comes up in their system but with someone elses name. I'm just at a loss at this point. If you XXXX banks that accept XXXX party checks, Chase is listed as one of them. Only that, if not endorsed properly, you can incurre fee. Even the utilities at my address, that chase has on file, are in his name. They said I violated my customer agreement, put a XXXX business day hold, where i couldn't use my account at all, and then closed my account and kept the check, when the matter couldn't be resolve in time. I was told that the check amount is now held in suspense for up to 2 years unless this can be resolved. They couldn't even tell me how a phone number is verified to try and aquire one. Further more, Chase said they did this to protect me from fraud. If they thought the check was fraudulent, why would they let it clear?, in the first place. I've noticed other stories similar to mine have to do with checks of greater amounts. All in the thousands range. Seems like a sleazy way for Chase to steal people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: VA

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc.
State: CA

Complaint narrative:
I submitted two separate tickets to cancel my membership with this company. However the first ticket was not honored. They make it seem as if your request will be handled in email however they only respond in a hidden chat box hidden in the app. Also after submitting a ticket to cancel in the chat box it states If you would like to chat with a live agent, please stay in the chat. This is very misleading. After submitting a ticket where you clearly express that you would like to cancel and delete your account, nothing is stated that you have to respond to them in the chat in the app in order to actually have the account cancelled. I was charged for two months of the subscription because of this and only after the second ticket was I able to cancel this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: CT

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX, I purchased a RV from XXXX XXXX. They sold me a XXXX RV on the paperwork but it is a XXXX. The title has been messed up since the date of purchase. Bank of America financed it and has harassed me through letters in the mail. Certified mail over and over again. XXXX XXXX told them it was my fault. Bank of America should have recalled the loan after 90 days because the title was not correct. It is still not correct and they refuse to enforce the law.

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 2023-08-09 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:
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 USC 1681.

has violated my rights. Or list of 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2023-08-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1989 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX HM XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

SYNCB/POLARI : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, 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 2023-08-09 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: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2023 I received a notification from XXXX I has a new inquire for a personal consumer loan request on my credit report. I do not bank with PNC nor do I have a business relationship with PNC. I also, did not authorize a personal loan with PNC. 
I called and requested an investigation. They opened a ticket and had me over the phone, fill out some basic information and gave me a ticket number. I did not hear back for XXXX weeks until I followed up. I then received a contact person who was willing to work with me on the investigation and advised me to send in a certified mailer letter requesting a investigation and stating that I did not authorize the personal loan. I completed this step and on XX/XX/2023 PNC sent me a letter back stating the investigation was completed and that the information provided was accurate and they reported the credit agencies even though my letter I sent to them certified clearly describes the inquire as fraud and was performed without my consent. My request to perform a removal of the fraudulent application/load was ignored. This same inquire appeared relatively in the same time period with XXXX and XXXX XXXX as well, also ignored. We are working to get those removed, too. they're also fraud and were performed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase customer service refused to abide by previous phone conversation when an error was made into account I was charged {$23.00} unnecessarily and they refused to credit me with that amount despite their previous advice so I closed the account with a XXXX  paid off balance awful customer service that put me nerves on end. My credit is excellent so theres no reason to lie like this avaricious and despondent people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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: NM

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 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I initiated a transfer for {$1200.00} to my checking account at XXXX XXXX. The chase mobile app said the transfer would be completed on XX/XX/XXXX. 

On XX/XX/XXXX the money was still in my chase account and not in XXXX XXXX so I called chase and was transferred to fraud team. Fraud team sent a 2FA message, verified basic info and then asked me to hang up the call and call back as they could not verify.

3 calls to fraud and one visit to my local branch later, the branch instructed me that they could not close or modify my account due to the hold. 

Thankfully, I was able to empty out the account using XXXX, XXXX XXXX and XXXX to stop chase from stealing my funds and holding them XXXX during the complaint process. 

I would like Chase to close my checking account so I do not have to worry about potential fees. I saw an advertisement about banking with chase and got referred by my dad to open an account but I now realize that was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Several attempts to resolve the issue have failed, the dispute department are being unfair about the amount involved, I paid it under duress to prevent more late fee 's. The original issue is ongoing since XXXX, XXXX. Wells Fargo charged me {$100.00} after the same amount was already paid to my cell phone service XXXX XXXX, using the same Wells Fargo credit card. The amount I eventually paid was reduced from {$100.00} to {$100.00}, pay date was XX/XX/XXXX. Wells Fargo case specialist, XXXX XXXX. Wells Fargo case ID : XXXX, informed me that Wells Fargo paid {$100.00} to XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX could not find the transaction and required a Transaction number, several attempts and several case IDs and case specialists later, with Wells Fargo, I still do not have any transaction number to verify the payment was made to XXXX XXXX. I still was required to pay {$100.00} on XX/XX/XXXX. Wells Fargo owes me {$100.00}, they most likely do not have a transaction number because the transaction never happened.

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 2023-08-09 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: MO

Complaint narrative:
Im not sure whats going on. On XX/XX/2023 I filed a complaint for an alleged debt that was reporting to my Equifax consumer report by XXXX XXXX XXXX. I have given them more than 30 days to produce proof of this account as well as any written permission that was given to them by me to furnish the alleged debt onto my consumer report. XXXX XXXX XXXX has since removed its furnishing of this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2023-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I will continue to open complaints about PHH and XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX is who REFUSES to modify our loan after covid layoffs. The bank kept sending paperwork that says " If you are struggling to pay, we can help you with modification ''. We applied 4 times and denied. This is fraudulent lending ( yet again ). When gyms and schools closed ( where we work!! ) And we had no funds coming in, and fell behind this time, they refused partial payments and said they would not apply and also refused modification. I am working with Texas Attorney General currently & submitting complaint to Dept of Savings and Mortgage Lending and also another organization that is looking into it ( that I will not name ). PHH ( XXXX XXXX old Ocwen ), who also had to pay us for class action lawsuit because of unfair practices, is purposefully not helping. I know they will send a rebuttal and you will " close the case '' in a few days, but I will have on record all the times we tried to get them to Help ( just by remodification, not a 'give away ', not lowering XXXX, JUST doing their job and remodifying while we were FORCED out of work by govt ). Posting this to both of your media websites and to XXXX  XXXX XXXX NY. CFPB will probably help them sweep their responsibility under the rug, but everyone is going to know about it I notice XXXX  XXXX XXXX XXXX is " currently not signed up to receive complaints through the system '' ( exact message I got ), which is very interesting and people will probably be interested in that since it is Them denying the modification. And I know that because an employee of PHH told me

Company response to consumer: Closed with explanation