vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.I 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022, I received a text message asking to verify a transfer of {$3500.00} from my Bank of America savings account. I did not verify this transfer and reported such through the text message. immediately after, I received a call from someone claiming to be a Bank of America employee and was told that they would assist me in reversing the supposed transfer of funds. I follow their instructions, which included " transferring the funds back into my account ''. I then received a text message asking to confirm this reversal of transfer in which I did so. the employee told me that the situation was taken care of but to " not log into my bank account for the next XXXX hours ''. I found this suspicious but thanked him and hung up the phone. From there, I logged back into my account and saw that the money was indeed transferred out of my account and was sent to a XXXX account linked to a phone number that I did not recognize. I googled a rough description of the situation and found that I was the victim of a scam that has been going on for the past few months to others within the United States. I then called Bank of America customer support and was told that this scam is XXXX that they have been made well aware of and XXXX that many customers have called to report but that there was not much that they could do since I technically did verify the transfer. The person I spoke to also told me that it was unlikely that I would be reimbursed or compensated in any way. I have been a loyal customer to Bank of America for the past XXXX years and was incredibly surprised and crushed at their lack of fraud protection for those who use their services and am now out of all of the money I had saved up so far for my child 's college tuition.

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complain earlier ( XXXX ), however, Wells Fargo had not addressed my issues. There was no follow-up from CFPB either XXXX 

I received a letter from Wells Fargo, XXXX XXXX dated XX/XX/2022, I called XXXX  times and left messages for XXXX times. I did not receive her responses at all. Therefore, I file my complain again. 

In her letter, she claimed that the bonus code was not presented. However, she did not present any investigation evidence. It was a common sense for people to bring an incentive code to open an bonus account. It hard to believe that not to bring the code to open an account when I had a bonus code. I had a business account with XXXX Bank for years. I would not open an account without incentive. 

In addition, she said that " not able to locate that a bonus code was applied ''. It is not clear to me if the Code I brought over was created by Wells Fargo, or it is a fake one? 

Please refer to the Letter ( from XXXX ) and the Code attached

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account. 

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CREDIT WORLD SERVICES, INC.
State: NV

Complaint narrative:
A third party agency keeps harassing me about paying a debt that was already paid for therefore I will not supply proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX I presume that no proof of the alledged debt nor therefore any such debt. In fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On or about XXXX of XXXX, the following unfair or deceptive act occurred ; Your company sent notice of your adverse actions that are not supported by law or written agreement, and after accepting payments for almost XXXX years at the interest rate of XXXX percent, that NFCU intended to raise the interest rate to XXXX percent if NFCU did not receive copies of the security documents already sent to you. Your agents proceeded to provide false assurances that this would not happen, and that they recognized this would be in violation of various laws and statutes because of the following : 1 ) you were sent the documents and misplaced them, 2 ) you failed to enforce the security agreement as it was written, and gave a forbearance without proper notice to not only myself, but all others like myself, in my class, 3 ) by failing to provide notice of your not perusing the effectiveness of the security agreement, and by accepting payments for almost XXXX years at the interest rate of XXXX percent, you therein waived any conscionable right to change the interest rate through your business practices, in which you established your affirmation of the XXXX interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing account number ending in XXXX has furnished private information onto my consumer report XXXX of XXXX. This Person ( definition of person according to FCRA is any company or entity ) does not have the legal right to collect debt in the state I reside, which is XXXX. I am attaching proof of consumer reporting, proof of address, and proof that said person does not have legal right to collect in the state I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was the victim of bank fraud. I was hired for a new job and sent a check for purchasing hardware and software to complete my tasks. I deposited the check which my bank cleared by the next day completely for almost {$6800.00}. I was instructed where to send the money as well as show confirmation that the transaction went through. Once I completed the transactions, they stopped the check on their side and almost immediately Chase Bank charged me for the transactions. I immediately went to my nearest branch hoping to put a stop to the wire transfer that was showing in my account as still pending. Even after close to an hour on the phone with Chase while in XXXX of their branches, they didn't put a stop to the wire going through nor did they make an attempt to tell the target institution that it was an act of fraud. None of this would be possible if Chase hadn't cleared the entire check overnight and abdicated their responsibility to make sure the money was available instead of shoveling responsibility to me. I called to see if something could be worked out with the bank through their fraud department but all I received was the run-around and eventually being told the fraud department was the wrong place to report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Settlement check deposited on XX/XX/XXXX by remote mobile deposit. 
Check placed on hold for 15 days to be released on XX/XX/XXXX. Chase claimed the company who released the settlement check out a 15 day hold. 
XX/XX/XXXX Chase claims an ID needs to be shown and funds to be released. Brought in ID to branch, only to find out the account was closed due to fraud. Chase cashed the check, took their {$70.00} that was owed due to overdraft and fees put a freeze on funds of {$2800.00} and will not release the money. Finally found out after 2.5 weeks the reason as to why, The company who wrote the check XXXX XXXX, XXXX XXXX XXXX XXXX did not put their name at the top of the check, instead put XXXX XXXX XXXX XXXX and put XXXX XXXX phone number and address. XXXX XXXX being the employer who was sued, reason why I received the settlement check ) We have spent countless hours on the phone and in person, given the run around, told this would be settled and I would receive the funds back and to wait x amount of days. Only to be told another and denied funds. I have been told that Chase will contact XXXX XXXX XXXX to have check verified and funds released. Only to run into another wall with Chase to be told that it is against their policies since XXXX name and phone number isnt on the check. My complaint is about XXXX XXXX as well, they made an error when writing the check and will not fix the issue. The refuse to file a claim with their bank, to stop payment on check and have Chase release the funds back to XXXX XXXX, so another check can be sent to me. XXXX admitted to us that they have had this issue before with checks not being made out correctly. At this point i am out of {$2800.00}, no bank account since Chase closed the account, and have spent countless hours dealing with this situation. I need a resolution and help doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My parents home was burglarized and a checkbook was stolen. From the checkbook there were a total of XXXX fraudulent checks written for a sum of {$15000.00}. Within a few days I was reimbursed {$4600.00}. The remaining {$11000.00} was investigated by the banks check fraud department. Ultimately my fraud claim was denied, the bank deemed the signatures to not be forged. I provided all documents including a police case number for the burglary. At this point I do not know what to do to further pursue recovery of the {$11000.00}. The bank in question is Bank of America.

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 2022-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Loan application for HELOC applied for in XX/XX/2022. XXXX signed and funded on XX/XX/2022 at the XXXX XXXX branch office. Same day where I opened checking account and savings account with PNC Bank at the branch where I signed loan documents. Deposit accounts which were opened on XX/XX/2022 were closed on XXXX without clarification. Now PNC bank is wanting to change interest rate from XXXX to XXXX because they state an active PNC Bank account must be used for automatic ACH Payments. PNC bank will lend me hundreds of thousands dollars but will not allow me to maintain a checking or savings account where I can deposit the funds to have my payments automatically drafted from.

Company response to consumer: Closed with non-monetary relief