vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unauthorized online transactions were executed on my Chase Bank savings and checking account on XX/XX/21. Reported to Chase on XX/XX/21. I was told that new checking account was opened few days ago using my information that I wasnt aware of, and that money from my savings and checking is being transferred to the new illegal account. Chase bank rep promised that they will freeze all activities from fraudulent account to protect my money. It didnt happen few days after I lost XXXX $ from my savings and checking account. I was told by claim department that I have to wait until they run all the investigations. It has been 2 months and still in the dark no explanation from Chase what happened with my money. Identity theft was reported to the police department. I feel neglected, uninformed and unprotected by Chase bank in a such sensitive matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MD

Complaint narrative:
I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am XXXX  and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ

Complaint narrative:
I received a phone call on Tuesday XX/XX/XXXX at XXXX from XXXX XXXX who is the operations manager of BHK Financial . He told me on our phone call that " he can make 1 phone call to the attorney '' and legal action would ensue. I do not owe a debt to BHK Financial, and from his explanation, they are just a third party attempting to collect on behalf of someone else. The threat that he can make " one phone call to the attorney '' and legal action would ensue is very abusive and deceptive, as BHK Financial is not the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, I went to court for XXXX XXXX XXXX after i moved out in XX/XX/XXXX. In court under oath both XXXX XXXX XXXX and my attorney agreed that i vacated prior and did not owe any damages and monetary penalties. The lease they tried to use was date XX/XX/XXXX when i signed my lease on XX/XX/XXXX for a one bedroom unit and received a two bedroom that was 3x more then my income and i could not afford the unit. I was the only person one my lease that i signed in person in the office and the lease they were trying to present was done online contacted to the locked account that i had no access to. That lease was thrown out of court on XX/XX/XXXX. XXXX XXXX XXXX sold my personal information to a company called National Credit Audit Corporation, XXXX XXXX XXXX, XXXX, TX XXXX. 
this company is trying to collect over {$12000.00} from me and sent me a copy of the same lease that was thrown out of court and agreed as a fraudulent collection by both XXXX XXXX own attorneys as well as the judge in XXXX XXXX. they have placed this on my credit as a eviction and i was not evicted but moved out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information section is incorrect.I would like my information updated because it is wrong thank you

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information section is incorrect.I would like my information updated because it is wrong thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a debt collection letter from CMRE FINANCIAL SERVICES INC, dated XX/XX/XXXX, stating that, XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. I do not owe this debt. I do not recognize this claim ( {$1000.00} ) and I have not taken any service from this provider after XX/XX/XXXX. 

The last service I had taken from this provider was on XX/XX/XXXX. The claim ( {$2000.00} ) was fully payed by my insurance provider XXXX ( {$1800.00} ), and me ( {$200.00} ), and I do not have any outstanding bill. 

This is not the first time XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. They did it before on XX/XX/XXXX with XXXX XXXX for the above mentioned service. I tried to contact both the service provider and the debt collector that time, but did not get any response from any of them. 

Please help me resolve this repeated harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My XX/XX/2019 account was reported late to all three credit bureaus by Capital One. However, I was never mailed statement for that month and had not consented to receive only digital statements. I informed the company of this, and they said they would not change the reporting, even though once I find out it was late, I made immediate payment. My card history on all accounts shows zero missed payments, which supports my claims. I have asked the credit bureaus to correct the error, but they simply believe Capital One without any investigation. I believe Capital One to be in violation of the cardmember agreement and federal consumer finance law by not sending me a required statement for charges incurred, but then reporting a late payment on that balance. I also believe the three credit bureaus are in violation of federal law by falsely reporting negative information even after I provided proof of the error to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 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: Velocity Portfolio Group
State: GA

Complaint narrative:
CKS Prime Investment has placed a listing on my XXXX XXXX XXXX credit files. I have have not received any validation or correspondence from this company

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
About 2 months ago, I received a call from Chase informing me that a new card was ordered in my name and wanted to know if it was me. I told them it wasn't me. I thought it was the end of it. This morning, I saw a {$400.00} withdraw from Chase on my XXXX  XXXX XXXX account. When I called Chase, they informed me of a zillion  of charges on that card I didn't order. They said that they will consider those charges like fraud and therefore, I am not responsible for any of them. 
I am reaching out to you in order to report that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MA

Complaint narrative:
Between XXXX and XXXX of this year I sent myself several transactions to the XXXX XXXX worth more than {$4500.00} dollars, to pay for the treatment of my health problems affected by XXXX, the money transfer company in the USA, XOOM .COM always sent me notifications of available money, but his partner in the XXXX XXXX never gave me the money, under the allegation of confirmation of funds, this after seeing my documentation and the notifications of available money that I received from XXXX, The question is that they always marked the transfer as delivered, but I never received a single dollar, They XXXX took more than {$4500.00} dollars from my account in the USA without having a receipt that confirmed the delivery of the money in the XXXX XXXX, product of This when I return to the USA I opened a claim for this case, XXXX denied my claim without comparing the signatures on my documents and the signatures on the supposed receipts that his partner in the XXXX XXXX XXXX. XXXX, the question is that the signatures are not the same, not even similar, I made a second claim and it was also denied. I spoke with my bank in the USA and they managed to return about XXXX XXXX dollars to my account, but that is a process that can be reversed if XOOM.COM refuses to present evidence of the case. Now at this moment Xoom.com is charging me my own money and they threaten to damage my credit, I think this is unfair, because they denied me my own money to pay my health expenses and now they are charging me for money that I never received. Sorry if I made any spelling mistakes, it's that I don't speak or write much English.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I used XXXX to make 3 purchase to 2 different people claiming to have items for purchase. The total of all transactions was {$1300.00}. After both people went completely silent after transferring money using XXXX. After trying to get refunded for the purchases XXXX referred me to my bank ( Chase ) to refund it, stating there wasnt anything they could do and it was to be handled by the bank. After calling Chase they stated nothing could be done by them and said " sorry you got scammed but you authorized the purchase so we can't refund it ''. I have made attempts via email, phone and text to get ahold of the sellers to no avail and Chase and XXXX refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good morning, On XX/XX/2021, I visited a Chase Bank branch in XXXX XXXX to initiate a wire transfer of XXXX USD to my USD Brother 's account in XXXX. As per Chase 's policy, I was supposed to be charged {$50.00} for the wire transfer. Therefore, the transfer is actually from USD account in the USA to another USD account in XXXX. 

The funds were supposed to be available on XX/XX/2021 in my brother 's account in XXXX. Nevertheless, it was delayed for unexplained reasons. 

Around XX/XX/2021, I received an email and a call from the banker in XXXX XXXX asking me for additional information. I provided everything as required. 

On XX/XX/2021, I received an email informing me that the wire transfer has been executed. 

On XX/XX/2021, it was confirmed by my brother in XXXX that he received the money, HOWEVER, NOT THE FULL AMOUNT. 

He only received {$9500.00}. Obviously the XXXX bank also deducted {$17.00} of incoming wire fees ( which is totally okay ), but why did my brother receive a way less amount than what he should receive? 

He was supposed to received {$10000.00}. He only received {$9500.00}. There is a shortage of {$450.00}. 

It does seem that Chase did a conversion to XXXX Dollars before sending out the money and then the XXXX bank did another conversion to American Dollars in order to deposit it into my brother 's account. However, I NEVER ASKED THE BANKER OR THE WIRE DEPARTMENT AT CHASE TO DO THE TRANSFER IN THIS WAY. 

I asked Chase to transfer {$10000.00} ( Which is a USD account ) into my brother 's USD account in XXXX. He should receive {$10000.00}, and not {$9500.00}. 

I require a full investigation in this wire transfer. I've already contacted the banker responsible for that, but it does seem that Chase doesn't want to resolve that issue. Therefore, I am reaching out to the feds to help me resolve this issue and protect my rights and my money as a consumer and a law abiding citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management has placed a collection on my XXXX & XXXX that I have no knowledge of. I have not recieved any validation or correspondence from Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
OnXX/XX/2021I sent a letter regarding inaccurate and unknown things on my report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and my disputes are being blatantly ignored. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am recieving purchase confirmations for a card in my previous name with a different address. 

Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX  I tried to have the purchases cancelled however noone seems to know how to do that. here is the order information delivered by XXXX/XXXX  after I notified both of them. 
Purchase Date : XX/XX/2021 Order Number : XXXX Total : {$76.00} Payment Details XXXX XXXX Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX {$76.00} Order Summary Product Total {$69.00} Charges Shipping FREE Sales Tax, Fees & Surcharges {$6.00} Order Total {$76.00}

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: SD

Complaint narrative:
I sold my XXXX XXXX XXXX and the loan was subsequently paid off. In the process, it took time for me to cancel my automatic payment form my credit union, and another payment of {$1200.00} was made to my now closed loan with Suntrust. I immediately called and advised XXXX that that payment was made incorrectly, and that i needed that money back. They said wait a day or two, and the payment would likely be returned since the account was closed paid off. I checked multiple times over the next few days to no avail. I called back in, XXXX then said it had been accepted, even though I had called earlier about it and it would now take 10 days before they would I initiate a return ACH. I was not happy that it would take that long. I called them back on XX/XX/XXXX to find out that it would take another 10 business days for the ach to take place. I have asked for a supervisor multiple times, which resulted in hold times of 10-20 minutes and then turning into a callback request. I was never called back on any of those occasions. I have asked for details on where my money is being returned, to no avail, so I can give that to my credit union for research. Still no info has been given to me, and their supervisor ( s ) have not called me back. They have had my {$1200.00} now for 29 days and cant tell me where it has gone.

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