vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I was the victim of a scam. 
I believe that Chase Bank could have prevented this scam and my loss of {$10000.00}. 
The scam began on the computer with a bogus email from XXXX XXXX '. I was told I deserved a refund. Online they asked me to put in the refund amount of {$480.00}. Immediately it went to my Chase account login. At that moment, I shut my computer down. The scammers moved {$48000.00} from my savings account to my checking account. 
My first call was to Chase to tell them what happened and close my accounts. 
COMPLAINT : I never received a verification number or any notification from Chase that a large amount of money was being moved from my savings to my checking account. 

My next call was to XXXX XXXX to find out how to be sure my computer was not still in the hands of the cammers and did not have a virus. I looked up the number for XXXX XXXX on my XXXX. The number I called was the scammer. I have no idea how he got into my phone. I thought I was talking with XXXX XXXX. 
He told me to go to Chase and withdraw {$11000.00}. I have been a Chase customer for 50 years and I have never withdrawn more than {$500.00} at a time. 
MY COMPLAINT : If the teller had said to me : 'If someone you do not know is telling you to withdraw the money, it is a scam '. That one statement would have ended the scam. 
The scammer told me to put the money into a XXXX machine and I lost it all. 
The scammer was supremely convincing about why I had to take these actions. It was a mind-control scenario. 
My complaint is with Chase Bank. I am an older woman and clearly a target of this type of scam. Chase Bank could have prevented this by reminding me of scam artists who ask old people to withdraw large amounts of money. 
I registered this fraud with all the government agencies and reported it to my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
On XX/XX/2023 I received an email from my federal student loan servicer, EdFinancial, informing me that my loans will be transferred to a new student loan servicing system effective XX/XX/2023. The email stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received an email from EdFinancial informing me that there was a delay in the transfer process, and that it would be happening at a later date. On XX/XX/2023 I received an email from EdFinancial stating that my loans would be transferred to the new servicing system effective XX/XX/2023. They again stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received yet another email that there was a delay in the transfer process, and that it would be happening at a later date. There was no specification as to when that would take place. 
The XXXX emergency relief pause will be ending as of XX/XX/2023, when interest will resume on federal student loans. I have been saving money to make a very large ( over {$32000.00} ) lump-sum payment to EdFinancial before interest resumes. Because I am not currently able to access my account, I am not able to make payments. This means, they plan to charge me interest on an account that I can not view, access, or make payments toward -- which is illegal. After calling their customer service number multiple times today ( XX/XX/2023 ) they told me that I can not make payments at this time because my new account is not yet ready, and they refuse to accept my payment over the phone, or in any other capacity. They will not tell me when my account will be ready, and can not guarantee that my account will be accessible to me by XX/XX/XXXX, and yet plan to charge me regardless, despite the fact that I have money I am begging to pay them. A borrower can not refuse to accept payment and then charge interest on the debt they refuse to accept payment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and XXXX failed to look at the documentation. I reached out to LexisNexis because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my lexisnexis file but fai

led to look at my dispute and remove the inaccurate item. I have attached this dispute to the file as well Just to try it
again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX XXXX but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and XXXX fails to look at the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, Experian did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with Experian and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and Experian validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and Experian stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and Experian failed to look at the documentation. I reached out to XXXX because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my XXXX file but failed to look at my dispute and remove the inaccurate item. 
I have attached this dispute to the file as well Just to try it again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with Experian online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX online but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and Experian fails to look at the 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 explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
While I was out of state someone used my credit card and went on a shopping spree spending XXXX dollars in a day. Contacted TD bank and they denied my claim by saying it was my regular spending limit when my card has a limit of XXXX in total. I asked for an appeal and they didnt even take a week a day later they denied my claim again saying the card was used before in a legitimate purchase a while ago. I explained I shopped there before but I wasnt the one using it. They told me there was nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
On XX/XX/23 I made a purchase for {$69.00} under the assumption I would receive my merchandise in the mail in 2 business days or less after the item was shipped as that is what I paid for. On XX/XX/23 the item is shipped ; on XX/XX/23 the item was delivered. I contacted the merchant and was denied compensation or any form of resolution and was told there was nothing they could do. I would not have consented to the transaction if the delivery dates would not be upheld. After this, I filed a dispute with my bank ( Bankmobile vibe with accounts provided by customers bank ) and explained the situation. After having the case dragged on as long as it could. The merchant sent in documentation supporting my claims ; first would be proof of delivery that shows the delivery dates were not honored, two, would be the call records and employee notes showing that I have been in contact with the merchant and no resolution or compensation has been reached, and three, the receipt showing the days I purchased the item, the day the item was shipped, and the clarification that I specifically paid for 2 business day shipping. Immediately upon receiving this information Bankmobile fraudulently denies my claim with the following message, " You state that merchandise was not as described but the merchant states goods/services were provided. As a result, we are unable to pursue this matter and will be closing your claim. We recommend you contact the merchant directly to attempt to remedy your situation. '' There is nothing the merchant provided or in this message that refutes my claims or validates the merchant. The merchant simply states that goods/services were provided and did not refute my claims or acknowledge them and sent irrelevant documentation that my OWN bank did not read or validate in any way. I have several voice recordings of bank mobile employees validating my claims and visual aids as well. I have left a visual aid and two bank employees validating my claim.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

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 explanation
Consumer complaint received 2023-08-16 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: FirstPoint Collection Resources
State: IA

Complaint narrative:
i have been harassed via phone calls by debt collectors like firstpoint collections saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from XXXXXXXX XXXX {$680.00} from XXXX XXXX and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I received a bill for a credit card that I never opened. I have never had an account with Comenity. 
I refute any charges made to this account and I do not recognize your billing statement showing charges dated XX/XX/XXXX to XXXX XXXX info in the amount of {$4.00}. 
I also refute your interest charges as the original charges were never made by me. 
I sent a certified letter dated XX/XX/XXXX and have never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my extreme dissatisfaction and growing frustration with Equifax 's continued disregard for accuracy and completeness in reporting information on my consumer reports. Specifically, I have discovered multiple inaccuracies and incomplete information pertaining to my XXXX account, particularly concerning the reporting of payment history, the duration of delinquency, and the associated dates of delinquency. 

This ongoing and unrelenting misinformation directly contravenes established federal statutes, including but not limited to 15 USC 1681e ( b ), FCRA Section 807-8, and FCRA 623-B. Moreover, it amounts to a blatant act of defamation, casting an unwarranted shadow on my creditworthiness and financial standing. 

I hereby demand the XXXX account be promptly DELETED from my consumer report. Failure to act upon this demand in a swift and satisfactory manner will lead to legal action. 

Please be informed that my resolve in this matter is resolute. I am prepared to pursue all available legal avenues to secure my rights and demand the justice that I am entitled to. The repercussions of Equifax 's noncompliance will be grave and costly, with each violation inviting a legal claim of no less than {$1000.00}. 

In light of the above, I ask that the CFPB step in to bring immediate attention to this pressing matter. The ball is now firmly in Equifax 's court to demonstrate its commitment to adhering to the law and providing accurate information to its consumers. Time is of the essence, and your timely response is crucial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried many times to open an account in Wells Fargo Bank and every time they are unable to open the 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 2023-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I am submitting this complaint because of a dispute I am having with my bank, Fay Servicing, who is administering my mortgage loan. During the pandemic I needed to utilize the mortgage forbearance program that was available nationwide. During this process I worked with my former mortgage administrator XXXX XXXX to finalize an agreement that would put any amount due after forbearance ended at the back end of my mortgage loan & continue to make payments as usual. Before forbearance ended XXXX XXXX  sold my loan to Fay Servicing. Once the forbearance ended Fay Servicing said they would not honor this agreement & the full balance is due my XX/XX/2023. 

Fay Servicing has stopped taking payments from me & will only accept one large payment that covers all the amount due. I have made several attempts to resolve the situation, but they seem intent on putting me into foreclosure. I have about XXXX of equity in my home. They rejected my solution of using the equity in my home to resolve the outstanding balance. I do not have any other options left to resolve a XXXX balance due. Per your guidelines of submitting a complaint, a good solution for me would be to put the outstanding balance on my mortgage to the back end of the loan like my original bank agreed to. Thank you for your help & support. You may contact me anytime.

Company response to consumer: Closed with explanation