vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed out of {$400.00} using XXXX through Chase mobile app. I contacted my bank ( Chase ) immediately but was told that I couldn't file a complaint yet bc the money was pending on my account even though the money had been transferred immediately into the scammers account. When I finally spoke to Chase after hours of being on hold, they said they dont dispute XXXX transfers but gave me a complaint number. They said they would let XXXX know and see if I could get a courtesy recovery of the money. I told them I knew alot of info on the scammer bc I did my own detective work i said i wanted to file a police report and any info they could give me would help. Not even 12 hours later I get email saying my case was closed. By this time I had filed a report on XXXX website. I called Chase n explained I wanted to file a police report n needed more info, they put me on hold to another department that supposedly handles that. Over an hour on hold n hung up bc my lunch break was over. Called back next day and was told there never was another department n wasn't sure why they put me on hold. So they gave me a case number to call XXXX with but wouldn't provide a phone number. Called XXXX n they said there is no such case number. Felt like Chase gave me run around twice n closed my complaint between XXXX and XXXX without investigating anything for me. I've banked with Chase for over 15 years. When I called XXXX they told me they couldn't get money back.which I said, if you know who's account it was sent to and you sent it to them why can't you take the money out of their account. I can provide lots of proof it was scam or fraud. They said they can't n they also can't provide any of that account holders info for my police report. I begged them to at least put a stop to the scammed. So they took some information I had like email addresses, phone numbers, XXXX account info n said they would flag their account. I don't understand if we have the person name, bank, email, phone number, address how I can't get my money returned from this person. Chase said I could get a courtesy recovery. Please help because {$400.00} is alot of money to me. And I feel that Chase did nothing to help n put me on false holds and gave me false case numbers to use n wouldn't even give me XXXX phone number. 
Chase complaint # XXXX XXXX case # XXXX? 
Transaction # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
After receiving government funding, chime suspended my account. About {$5000.00} was left and I am not able to use it. This happened 6 months ago. I have provided all documentation requested. They have now ignored all requests. The pandemic was tough on my family and I received these funds to assist with relief. Please help me get my money back. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: GA

Complaint narrative:
Im filing this complaint to have three credit cards taking off my credit report, my identity has been used and my information has ended up on the dark web, I want these accounts deleted from my file before I file a ftc identity theft report, I found that these cards are on 3 credit bureaus I did not open these cards because they are fraud I want them removed from all three credit reports, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these companies used my information to open these accounts in my name please removed these accounts immediately, Im filing through the consumer financial protection bureau because XXXX and Experian has rude customer service and Im tired of of being hung up on, please get this done for me and please no excuse

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 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Bull City Financial Solutions. This Company has opened an account in my name using my personal information with no authorization from me. This company has reported to The Bureau that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. Bull City Financial Solutions has also reported an incorrect illegal account to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation for holding medical information within their establishment without a medical release form from me. They used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. The Original Creditor was listed on my credit as Bull City Financial Solutions which is incorrect. I am a consumer which makes me the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2021 - Received call from someone identifying themselves with Wells Fargo Bank advising of irregular account activity and asking for identifying information which was provided under the impression it was the bank ( WF ). I was told I was going to receive text ( s ) and to provide WF with the code ( s ) provided. There were 44 in all - and upon inquiry the response was logical. The " person '' from WF then ended the call and said they would contact me the following day. 
XX/XX/2021 - No call came - I contacted my local branch and asked for the previous caller by name and ID given - My branch advised no such person. My branch looked up my accounts and verified money had been moved from savings to checking where it was accessible for transfer. Confirmed 44 different transfer requests totaling {$14000.00} and referred me to the fraud section. Talked with the fraud department who advised I would get my money back. Advised to contact credit bureaus, police and XXXX and cancel credit cards. Checking and saving accts were closed and new ones opened. It should be noted that despite knowing a scam was in progress, WF transferred funds held in the old accounts to the respective new accounts which allowed the wires to be processed on XX/XX/2021. Opened fraud claim. XX/XX/2021 received account print out of transactions showing transfers occurred on XX/XX/2021 after WF notification of the scam by me.

Subsequently WF notified me of the claim denial resulting in continued efforts, additional calls and escalated claims all denied. Additional contact resulted in being advised Wells Fargo was a business and has shareholders as well as You could have done this to scam the bank.

WF clearly failed to take appropriate action when notified prior to funds transfer and failed to take responsibility for proceeding with what was clearly a scam in small amounts to an international account to avoid detection without additional verification.

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 2022-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting my closed account XXXX XXXX credit card usage as open and with 0 usage. This account is not active or open. XXXX XXXX is reporting XXXX XXXX as open.

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 2022-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had issues with my Amazon credit card. because the sync bank lowered my credit limit in the account without any real reason and because of this the bank is harming my credit report and score. Representatives from the bank told me that they are basing this decision on my past credit records and repots from my other accounts. I have an excellent credit record with Amazon and I do not consider fair that the way the company repay me is by harming my credit report lowering my credit limit any time they wanted without a satisfactory reason

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for credit.

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 2022-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Hello, I closed my savings account with fifth third on XX/XX/2021 but they kept the account open and have now charged me a {$5.00} service fee on XX/XX/XXXX. Attached is a screenshot on a service representative closing my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then not supplying me with the Chase card ( with incentives ) I originally applied for. 

In early XX/XX/XXXX, I saw an advertisement on the XXXX XXXX App to open a XXXX Chase credit card with a XXXX point sign up bonus. I applied for the card and on XX/XX/XXXX, Chase Bank ran a credit check on me thereby continuing the application process. 
I received a letter dated XX/XX/XXXX from Chase asking me to call to discuss my credit application which I did on XX/XX/XXXX. 
I then received a letter dated XX/XX/XXXX asking me to verify my SSN which I did on XX/XX/XXXX via a fax sent from a Chase Bank branch to the listed Chase fax number. 
Then after hearing nothing I received a letter dated XX/XX/XXXX asking me to call Chase Bank to again discuss my credit application, which I did on XX/XX/XXXX. During the call, I spoke with a " XXXX '' who indicated my card had been approved with a credit line of {$17000.00} and would be mailed in one to two weeks. 
On XX/XX/XXXX I received a basic XXXX Chase XXXX card, but not the card with the XXXX point sign up bonus incentive I originally applied for. 

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then switched that card with a basic XXXX points credit card, one without incentives, and not the one I applied to receive. 

Chase has horrible customer service and through this process, I have literally spent hours on hold waiting to speak to their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
EQUIFAX I have 2 inquiries showing on my equifax report which are not mine and i do not have any open accounts with them. 

XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX I tried contacting them with no luck removing these unauthorized & frivolous accounts. 

XXXX XXXX XXXX I also contacted XXXX funding for removal of the collection accounts as they failed month after month to provide proof and have not been able to verify that the account is mine. 

I have no accounts nor have I have ever done business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Medical Data Systems. This company has opened accounts using my personal information with no authorization from me. These companies have reported that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. Medical Data System sent my personal medical information to me without a personal contract between them and I to hold my personal information within their company. This tactic is listed in the U.S. and State Law as identity theft and a HIPPA violation. These companies used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. I sent validation letters to this company requesting a signed agreement between us allowing them to open accounts in my name and they could not. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: OK

Complaint narrative:
Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for credit.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I recently cancelled my subscription with Experian for credit Monitoring. I have ( had ) Very Good credit with all the bureaus. The other two ( XXXX and XXXX ) are still very good and have not dropped. Nothing, and I mean NOTHING has changed with my credit report or use. However, within 2 weeks of cancelling my subscription, Experian dropped my score by XXXX points with no reason, or explanation. I searched the site to see why and, nothing on the site has changed, except my cancellation, and when you inquire why, they have no answer or proof. This is the second time they have done this. Please help! They are punishing people for not signing up with them.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than XXXX hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
This company has obtained my personal identification under false pretenses.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: NY

Complaint narrative:
I closed all of my accounts with Key Bank a total of 3 accounts on XX/XX/XXXX. I received a letter in the mail on XX/XX/XXXX saying that I has been over drawn {$110.00}. I was never contacted about this issue from Key Bank. When I called the number on the letter they said the account ( Checking ) was not closed properly and that it was my problem and there was nothing they could do for me. The XXXX XXXX branch has giving my husband ( XXXX XXXX ) a hard time for the past 3 years to go in to the branch and cash checks & deposit his XXXX checks into my account. We know protocols are for cashing checks if not on the account ( 2 forms of ID & a {$7.00} fee ) he had 4 forms of ID. They even took it a step further and called the police to have him removed from the branch. This branch location has such a turn over in personal every time you walk in there are different faces there. This is many reasons that we closed out the accounts at Key Bank. The main reason we are contacting you now is the letter that is dated XX/XX/XXXX from Key Bank says that I owe them {$110.00} over drawn this account is closed I feel that I don't owe this due to the mistake made by Key Bank Association. Please contact me if you have questions XXXX XXXX @ XXXX cell, work # XXXX XXXX

Company response to consumer: Closed with monetary relief