vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Went to Chase Bank to deposit XXXX USD from my parents since she knew I wanted to save up for shoes whilst also still having remaining money in my checking, and on the street there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me quickly if I banked with chase, and ushered me inside of the building where the ATMS were. There, he told me that his account was overdrafted and he desperately needed money, and handed me roughly XXXX USD, which I was still confused about since he was talking so fast. I didn't want to do anything quickly because he was significantly larger than I was, and I didn't know if he was going to harm me since he was beginning to be more impatient and started pacing around since there was a line at the singular ATM working at the time. When we were up in line, he told me to put my debit card in and the PIN and he grabbed a check from his pocket, and at this point, he hasn't told me how much he actually needed until I saw XXXX pop up, in which point I was starting to actually panic, and to my surprise, the check went through on the ATM, and he tried to initially withdraw XXXX USD from the ATM after depositing his check, to which I asked him why, and he said it was a mistake. He then told me to pull up my phone email since the ATM declined the transaction, and when I did, he reached down and confirmed that the transaction was legit, and I got freaked out from that. After that, he withdrew his XXXX from the ATM and quickly took the money and sprinted out, after that, I just deposited my money, including the extra XXXX dollars he had given me prior. A day later, the check bounced when I expected the ATM fraud detection to catch it when it went through at the atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I mobile deposited a check with Chime bank. It's been on hold. It's a payroll check. I've been in contact with Chime and no one can give me a straight answer to why it's being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
One of my creditors, XXXX XXXX XXXXXXXX XXXX XXXX is not appearing on my Experian credit report and hasn't been since XXXX, XXXX. I have spoken to their Customer Service Dept at least 8 times and their reason I am told is they are not receiving the file from XXXX and to contact the creditor for resolution. I have contacted XXXX numerous times and each time I have been told that the file for each month is sent to all reporting agencies at the exact same time. XXXX did an extensive review of my account and have assured me there is nothing that would prevent my file from being included with all the other files that are transmitted monthly. Both XXXX XXXX XXXX shows XXXX on their reports as a creditor and is being updated each time they have received the monthly file. XXXX doesn't even show as a creditor on Experian. This is impacting my credit score when potential creditors run my credit through Experian and don't see any mortgage information listed as a creditor. 

I am caught in the middle on this. Experian can't take my problem as an official dispute because XXXX isn't listed as a creditor and XXXX has done what they are supposed to be doing every month transmitting the payment information to all 3 agencies. I need Experian to add XXXX to my credit report and show payments that have been made since I took the loan out in 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My Transunion report shows a hard inquiry from XXXX XXXX on my credit report on XX/XX/2023. I contacted Transunion several times to request that the unauthorized inquiry to be removed. XXXX XXXX sent two letters one on XX/XX/XXXX and the other letter was send on XX/XX/2023 I sent the letter from XX/XX/2023 from XXXX XXXX to Transunion and the inquiry continues to remain on my file. 

Attached are the two letters from 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 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I have received advertising from the " XXXX XXXX XXXX '' general fraternity organization and " Rocket Mortgage '' that appears to be a RESPA violation. They are offering Cash back to mortgage applicants for referring them to Rocket Mortgage. I believe this is a clear violation of RESPA kickback regulations and this email has likely been distributed to thousands of members of the fraternity. Both Rocket Mortgage And the XXXX XXXX XXXX  general fraternity organization should be penalized for participating in RESPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I have paid off this account back in XXXX. However, it is still showing on my report as past due and a balance owed. I have paid the balance off in full. The company sent me a paid in full statement. Yet, they are reporting inaccurately on my credit report and refusing to correct the information. I filed a dispute and despite the account being paid in full, and the company sending me a paid in full letter, and confirming it is paid in full, the company, in clear and direct violation of fair credit reporting laws, confirmed the information as accurate! This is not fair to consumers to allow companies to just so called review the information and confirm accuracy. They are clearly not even reviewing their records because the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing the following accounts : 1. XXXX XXXX XXXX XXXX ( Account # XXXX ) 2. XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX  XXXX ( Account # XXXX ) 4.XXXX XXXX XXXX ( Account # XXXX ) 5.XXXX XXXX ( Account # XXXX ) 6.XXXX XXXX XXXX ( Account # XXXX ) 7.XXXX ( Account # XXXX ) 8.XXXX XXXX ( Account # XXXX ) 9.XXXX XXXX ( Account # XXXX ) 10. XXXX. XXXX, XXXX ( Account # XXXX ) 11. XXXX XXXX XXXX XXXX ( Account # XXXX ) This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se )
Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
This company ran my credit without my consent/authorization. This is complete violation of the fair debt act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to bank of America and XXXX XXXX and established a balance. For bank of America the mortgage on the paid off house was XXXX and for XXXX XXXX the balance on the checking account was XXXX and savings account unknown for my deceased mother who passed away XX/XX/XXXX. They needed me to get court papers and a death certificate. I got those papers stating me executor of the estate. Now the banks are acting as if the accounts are non existent. Since then in XXXX I've been XXXX so I've been in therapy and now I just needed help accessing those finances. Please see attach document of the probate

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 2023-10-25 00:00:00
Product: Credit reporting 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:
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been dealing with Wells Fargo on getting a charge reversed where a vet service charged my card on file without permission the day of service on XX/XX/XXXX. They sent him me an invoice also which I sent out a check for not knowing that they had charged my card. Once I found out the card was charged I filed a claim with Wells Fargo that the card was fraudulently charged. I spent about 2 hours with a banker in the branch who got the claim started named XXXX. After that I had to come back and spent another 2 hours with a banker named XXXX also. A claim was put in for {$4500.00} to be investigated and I received a credit of {$4500.00} into my account. After some time I received a letter saying that the investigated was complete and found that the charge was not fraudulent and took out {$4500.00} from my account. They then re escalated it and requested more info. I provided them with the check that was deposited by the vet and with a letter from the vet stating that they were already paid by check and the charge should not have been done on the card. I waited for the resolution of it but Wells Fargo came back and once again said that they did not believe it to be fraud and would not put the money back in my account. I got it re escalated once more and this time talked to a manager named XXXX on their resolutions team she then transferred me over to the claims department to start up a whole new claim as the previous one had been closed. I spent about 2 hours on the phone with someone whom we told the whole case to and said she started a new claim for us. While waiting for a claim number she gave me an email to send the documents to once again. She could not provide me a claim number as she said it would take 24 hours to populate and to call back the claims department the next day. I called back the next day and waited on hold for a little over 1 hour. After getting someone and asking for the claim number they gave me my old claim number. After telling them this was the old claim number I need the new one they said that no one had submitted a new claim and that one did not exist. I escalated this to a manager named XXXX. Immediately XXXX was rude and just talking over anything that was being said. He kept telling me the old claim is closed, that we can not open a new one even though a person the previous day stated that they did open one.

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 monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX and will attach the response from 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite multiple notifications to Equifax regarding the constant reporting of an incorrect amount owed by XXXX XXXX - XXXX, the issue persists. I have repeatedly informed Equifax that I have never made direct payments to XXXX XXXX. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that Equifax is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
SATISFACTION OF LOAN AND DEBT RELEASE ( Sent to Bridgecrest XXXX ) I am writing to confirm that account # XXXX has been paid in full and this has satisfied any and all obligation to the said Retail Installment Contract. The final payment ( s ) is hereby made as satisfaction of loan and debt release status as of XX/XX/, showing in the amount of {$14000.00} ( Remaining Principal Balance ), and any additional interest and/or fees associated with account above in accord and satisfaction of debt as a whole. Account status is now Paid in Full as this was confirmed by agent during phone call made XXXX at XXXX and re-confirmed by another agent including title release information via text communication made XX/XX/ at approx. XXXX to ( XXXX ) XXXX. Therefore, any statements made to credit agencies or any other credit reporting bureaus must be made aware that this debt has been satisfied and Paid in Full. Furthermore, you shall refrain from making any more claims in relation to this debt as it is considered to be satisfactory of the loan, including any and all obligations in connection with the XXXX XXXX XXXX, and is now hereby released of any and all debt. 

Please notate statements on Invoice # XXXX which is an attachment of electronic payments made on XX/XX/2023 ( Sent to Bridgecrest dated XX/XX/2023 ) which confirms payment if full in accord and satisfaction of said debt and payments were accepted by Bridgecrest

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