vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I opened a dispute with my bank under the claim number XXXX on XX/XX/ I explained when I opened the claim that im living for 4 months abroad so I there is anything needed to proceed with the claim they MUST contact me by phone email or fax. 

Until now I dont have any update about this case, so I calle customer service a couple of days ago and I was requested to send an email requesting the documents that must be signed. Nobody answer Today XX/XX/XXXX I called again and spoke with the supervisor who gave only excuses to do more slow and burocratic the case. He said that claims department cant be reached by phone, they only can call back but not to an international phone number. Also he said tthat they cant send the documents trough email or fax ( but they request to send it back that way ). 

I really dont understand all this complications to the customer. Please proceed with the claim eficiently and if you need something to be sign please send it to my email or fax on file, make it easy not difficult,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MA

Complaint narrative:
I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. Despite my previous communication with TransUnion on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts were never late ( XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ) and I request the removal of these late payments. 



These accounts are not mine ( XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$8900.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} ), and XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ). I request its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had a savings account with US Bank that for over three years was pulling {$25.00} a month out of the account because it the balance was lower than it was supposed to be for this type of account. 

I didn't check online with this account because i used it so rarely. However, i never received statements in the mail nor did anyone contact me. During XXXX the bank was closed most of the time or their hours were not in line with my work hours so i didn't get in as often as i did before. 

Once i did go back into the bank to do my transactions, no one spoke to me about this account even as i pulled money from it. 

I received a letter in XXXX saying my balance was approximately {$120.00} dollars and they were going to keep pulling {$25.00} dollars out unless i called. I went into the local branch the next day and the manager changed my account and added back {$150.00}. I estimate over {$1200.00} being deducted between XXXX and XXXX. The district manager was supposed to call me but i never heard from her. I waited five months to get assistance. It wasn't until i went back to the local branch in XXXX to speak to the manager and he told me there was nothing they could do. After over 40 years as a customer, i closed all my accounts but one small checking 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
XXXX XXXX and Wakefield associates keep selling the debt back and forth. This debt is from identity theft someone in another state XXXX miles away used my name and personal information to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. I live in New York and have never traveled or lived in az in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The last time I reached out to Chase in XX/XX/XXXX about my dispute which they only refunded 1/4 of my money because the company billed me four different times and they were confused and did not approve the other three transactions even though it was for the same company and service. The company is XXXX XXXX XXXX XXXX and they could not provide the service and they closed my account two months after I was waiting for service. The company XXXX XXXX said the bank I did the charge back with is still holding my money and it can take two years to get it back, but I think they are lying. Chase representative told me that Visa company closed my case out this XXXX and theres nothing they can do now it is handled by Visa even though Chase bank should have honored my dispute correctly Im the first place. This has caused me an enormous amount of stress and heartache and I have my daughter in the XXXX  and kids to take care of. I have been going through this since last year XXXX in XXXX. I really want to leave Chase after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: TX

Complaint narrative:
This company identifies as XXXX. They send me text msgs and calls every day asking me to call a XXXX XXXX or XXXX XXXX back at XXXX. 

They get me on the phone and start aggressively trying to make me share my information. Very aggressive and subjective language. Very harsh and insulting and sarcastic verbiage. I told them that my legal representation would be in contact and the response was, " Oh, sounds like you're really smart. How do you have a lawyer when you couldn't pay your bill? '' They also threatened to call my family members about a debt, which from my understanding is against the law. They mentioned my family members by name and said they would reach out to them. Also, tried to get me to confirm my employment, saying that they would be calling them upon getting off the phone with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a new {$50.00} XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX. I went on line and had it activated. The next day I tried to order an e-book from XXXX, the charge was rejected. I contacted XXXX and spent an hour on the phone with them and they assured me that the problem was not theirs. 

I contacted the customer service for the XXXX XXXX XXXX they have told me over and over again that the card is good. It has been activated, and has a {$50.00} balance. It still has that {$50.00} balance, but it has been rejected every time I try to use it. 

I even bought a new and different {$25.00} VanillaGift card, XXXX XXXX XXXX XXXX, Expiration Date : XX/XX/XXXX, to try again, I had the very same results. Looking a little bit deeper into it, it looks as though the Vanilla Gift card & XXXX XXXX XXXX  are the product of the some company. They need to be shut down for lack of customer care. 

When I tell told them these card still do not work, they told me again they should, but in reality they do not work. They offer no reason whatsoever as to why they don't, or won't work. So far, I have wasted {$75.00} dollars on these worthless cards. 

I don't have any other recourse, and I don't know what to do. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Colorado emergency mortgage assistance program sent money to my mortgage company to bring my account current. On I called XXXX XXXX mr cooper , my mortgage company and The on XX/XX/XXXX a woman told me she was moving funds to help bring my account current and will pay for my XXXX and most of XXXX payment. I call back on XX/XX/XXXX and a woman tells me that with funds being moved it will leave me a balance of XXXX due not till XXXX. I call back after on XX/XX/XXXX and am told no funds where ever moved and she will do them for me. I call back XX/XX/XXXX and was told the lady on XX/XX/XXXX did not notate about moving any funds and they keep ignoring me when I say I want that call pulled and reviewed. I talked to someone else on XX/XX/XXXX and they tell me they requested funds to me moved but I have to bring the account to current before they move money that they was sent from the Colorado mortgage assistance program. The money was sent to be applied toward my monthly statements and they misapplied the funds leaving me owing for XXXX but I was funded for XXXX already but they didnt apply funds how they should be applied. They also sent my insurance a check this month but was due in XXXX so I lost my homeowners insurance due to that as well and now theres a missing check for over XXXX XXXX thats raising my monthly payment XXXX more

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: SC

Complaint narrative:
Hello, I have an account with Global Lending for a loan on my XXXX XXXXXXXX XXXX. 

I have attached a breakdown of the payments I've made. Currently, I am XXXX full month behind but have made continuous payments. 

The issue at hand - I get multiple phone calls a day from Global Lending. They are now starting to call my job each morning for me as well. I am attaching screenshots of the XXXX calls in the last week. I have severe anxiety and XXXX and this is harassment. I have asked them to stop and I've explained that I've already sent them payment this month and they will not quit. They are in violation of multiple Codes of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I'm having problems with getting an answer from the bank ( TD Bank ) I do business with. 

It seems like I'm just getting a run around, and their main headquarters nor the branch are providing answers to the issue. Except denying and honoring the dollars taking from ( 2 ) of my accounts. 

On XX/XX/2023 someone broke into my car and stole my briefcase which had my computer XXXX XXXX XXXX  bag along with my wallet with credit cards & debit cards. 

Within a short time later, I reported to the XXXX XXXX police department and all the information was documented. 

All my credit cards including ( TD Bank ) debit cards were stolen and used for withdrawals via ( TD ) ATM machines. 

All the credit card companies involved declined the fraudulent activities however, ( TD Bank ) is not acknowledging the withdrawals made on ( 2 ) of my bank accounts. 

Who other than the bank can I reach out to help me recover the amount of money ( {$1900.00} ) I lost? 

If not your agency I would appreciate your help, if you can provide some direction on who I can contact to recover my money. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NY

Complaint narrative:
I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: DC

Complaint narrative:
FILE A COMPLAINT XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Bank Teller on duty! 
Male Teller unknown Name would not provide Nor let me in the bank to cash my check it was XXXX On today at approximately XXXX I arrive at this location to cash my company check at this location. The would not open the door but talked to me thru the glass and asked me " What you want? '' I said just need to cash a check. He said no an walked away shaking his head. The door was still locked an it was after XXXX. This bank is not open to the public or this is not a public bank. The Teller was very rude an unfriendly with me. He did not greet me nor nor use any form of manners to communicate. The Teller use hand jesters to ask me to leave while he prompt the door open to hear what I wanted. When he opened the door an stuck his head and it was after XXXX. The Teller said no shaking his head an closing the door. I knocked again he waved his hand no sir an when back to working on the computer. 


This was the worst experience I ever had with a bank Teller but I've been to this bank b4 an this could be the way your bank operates im not sure I need to take this check back to my employer cause not the bank it's signed in will cash the check after waiting outside in rain for 15 minutes, I will be sure to advise other community members of the excpected experience at this bank location due to the Teller working at that location. 


Respectfully, XXXX XXXX XXXX DC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-06-21 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: M.A.R.S., Inc.
State: TX

Complaint narrative:
Didn't get a respond back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Global Lending Services LLC
State: TX

Complaint narrative:
Didn't get a respond back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with Chase and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where three payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful.

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with Chase. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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:
I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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