vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In short, the bank, in this case Chase Bank, continues to charge my personal checking account a $ XXXX XXXX fee even though XXXX ) I have sufficient funds to avoid this XXXX service fee and XXXX ) I have linked my business account with a balance of {$5000.00}, which also means I do not owe this fee. 

I am making this complaint because I have had to call Chase XXXX separate times to have them refund these service fee charges, which they have done, BUT they also informed me that their computer system may so this again because it sometimes does not recognize that its customers have sufficient balance in their account and will charge them anyway! XXXX. I respectfully request that you, the CFPB look into inappropriate service fees charged by Chase to its customers, as you all did with XXXX XXXX recently, which resulted in a large fine to the bank. 

I have attached a snapshot of my account activity as evidence. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Mid-Alantic Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Co Account XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 604 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 m. y 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 2022-12-29 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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC
State: SC

Complaint narrative:
This was a debt, I think was taking out by my ex spouse. Ive asked for original documentation years ago from Loan Me but never received so I could verify my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
The main concern is that this collector accepts debit cards but charges a surcharge when they do. My paid-in-full amount was {$690.00} and I was charged {$720.00} ( just over 4 % ). I had to go to their office to even get a receipt as they refused to provide one when paid over the phone.

Additionally, a dispute letter was mailed to the collector they failed to validate my debt within the 30 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one issued my 1st card approximately 15 yrs ago. A 2nd card was issues a few years later and I was recently approved for a business card. I have been an exemplary customer always paying on time every month. All my cards were restricted in XX/XX/XXXX by fraud requesting that I confirm my identity. I have never has any issues with any fraud. I immediately sent all documentation requested and also sent a 2nd time due to my bank statements expired since they took too long to review my case. I have proven my identity and my address as shown on my bank statements copies of my drivers license etc.sent docs a 2nd time XXXX. I was advised several times everything was verified and the restriction would be removed. While waiting they closed 1 of my cards. I called today and was told as of XX/XX/XXXX all my accounts are closed due to not being able to verify my identity. I work for a Bank and I am who I say I am and verification has been sent as requested. I feel I am being treated unfairly and discriminated against for no reason. I also moved on XXXX and requested to update my address to receive the letter sent XX/XX/XXXX and my monthly statements due to online access taken away Request denied Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: UPGRADE, INC.
State: MS

Complaint narrative:
An account has been open using my personal information with a loan company called Upgrade, also with a XXXX XXXX XXXXXXXX XXXX XXXX. I have recently been made aware that a loan has been authorized without my knowledge until I received a welcome packet from XXXX which led me to look into this identity theft issue. I have spoke with Upgrade via email & phone numerous times & they are not very helpful & are even requesting more personal info. or they would not proceed with the fraud investigation. I have been informed per XXXX that the loan amt on my credit report is showing {$8500.00} on XXXX. I am claiming this is not my account and I did not approve to receive this amt. We have found that there was an amount of {$1600.00} that was deposited into my personal bank acct as they also had my routing and banking number for this acct. I am not aware of where exactly the additional amount has been applied too as no info is being provided to me from Upgrade. This {$1600.00} was deposited in my personal acct. in error and is in the process of being returned. The confusion was that the IRS was set to deposit a tax refund in that exact amt which made me believe that was where that money came from. I have made Upgrade aware of this as well as my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
My XXXX passed away in XXXX and we discovered that XXXX of his bank accounts about which we didn't know was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXX of Pennsylvania proof of me being executor. I immediately received a credit report from XXXX and spent many hours over XXXX days on the phone with XXXX who had written me that I did not provide the documents. But I had sent the documents and the third representative I spoke with did find the documents on the system and eventually a report was mailed out to me. Unfortunately, Equifax seems to have also lost the required documents I sent to them as I received a letter asking for an order from the probate court showing me as executor or a letter of testamentary. Since I've already sent these documents, I called on XX/XX/2022 and spoke with XXXX ( XXXX ) who told me you were missing a copy of my driver 's license, which was not requested on your website at XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After I pointed that out, he looked further and said they are missing the court order or letter of testamentary, which I also told him I sent. He said to send it again. I asked if I could speak with someone in that department and he said no. I object to having to send this again after I already sent it once and have now received reports from both of Equifax 's competitors. If I send the document again, I will just receive another letter saying they are missing something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
They are calling repeatedly using many different phone numbers while I am trying to work. It's more than XXXX times a XXXX some days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had a policy with XXXX XXXX which we paid timely every month. On the XXXX month they raised the monthly premium I paid that month and cancelled the policy and found different car insurance. They apparently, didn't cancel the policy. I found out they were charging me for a policy that I cancelled when I pulled my credit report. The credit report also shows past due amounts which is inaccurate. A collection account should never have a past due amount according to federal guidelines. It's illegal to report false information and this progressive account should be permanently removed from my credit report. They also have reported this account twice which again is inaccurate. Please assist on having these accounts permanently removed. 

We called the company a couple months ago and they refuse to do anything about it. 

Amount is {$1200.00} Amount is {$490.00} Dates reported was in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: AZ

Complaint narrative:
Bank of America is impossible to get through to, they did say they closed the account but would not give me any information. 

I do not have any Bank of America accounts and have not applied for any. 

I got a hard inquiry on my credit wise credit alert and immediately started making calls and reported fraud to credit beaus.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Never Made Purchase, I have no idea what this I want it removed immediately

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 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In the summer of XXXX, I closed a safe deposit box I had with Wells Fargo at their XXXX XXXX XXXX, MN branch. I returned the key to them and they assured me the box would be closed from my account. After noticing they had not closed the account and were continuing to charge me for the account, I took several steps with Wells Fargo to close the account : * I visited another branch of Wells Fargo XXXX XXXX, MN ) to close the account. They took my information and assured me it would be closed. 
* I called on XX/XX/XXXX and a customer service representative assured me it would be closed * I called again on XX/XX/XXXX and the customer service representative told me it could not be closed over the phone, and I would have to visit a branch. I told her that I had attempted to close the account at a branch on two separate occasions, yet she told me there was nothing she could do.

After four separate attempts at closing the account, I am concerned that Wells Fargo is fraudulently keeping my account open and is unwilling to close my 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 non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX I chatted with an agent about my card and unauthorized transactions. The agent started a dispute process and asked me was the charges she was disputing unauthorized I told her yes. Today XX/XX/XXXX I received an email saying my dispute was denied. So I looked into it and seen that put transactions on the list that was not suppose to be disputed at all. They are very unorganized and purposely denying a claim. If you read over the chat I did not put the 2 claims into the disputing transactions. I want my claim reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank terminated my bank checking and savings account and credit card account without any notice. Online account access was blocked citing " ... locked due to suspicious activity ''. I called the telephone number provided and was told no details would be provided per Chase policy. I spoke with a supervisor who told me the same. I visited a local bank branch who repeated the same information after making a call to Chase headquarters. " Chase is terminating its relationship with you '', was the only statement provided. The branch refused to refund my money and refused to pay any possible non-payment fees for upcoming auto-payments affiliated with the accounts. I was told I would receive a cashiers check in XXXX days for the account balances. In the meantime I have no cash and no credit card for daily expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was given a promotion for 6 months on a loan for windows I purchased. The promotion finished and my interest rate when up way to high, as well as my balance.

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 2022-12-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and XXXX XXXX to side corporate scam, abuse of power, in conspiracy with big XXXX and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX # XXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I have had issues with XXXX XXXX XXXX and brought issues to the CFPB, NCUA on XX/XX/22. I don't know if these duplicate damaging accounts is intentional or not but I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

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. 

Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX  XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # XXXX 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 2022-12-29 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: FL

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. 

Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # XXXX 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 response to consumer: Closed with explanation