vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: IN

Complaint narrative:
XX/XX/year>, I noticed that my checking account had 16 unauthorized reversals done on my account. I contacted Chase and they said that someone called in and said that they were me and that they requested these reversals on previous accounts I had paid. One of those accounts being my mortgage company. there were three months worth of reversals done on my mortgage and now I am facing foreclosure due to the mortgage company not having my payments. I asked Chase to put a stop to these pending reversal transactions and I was told that they could not stop it. Because of their actions, Im in the process of losing my house. 

Chase claims that I authorized these transactions and provided private information to another individual. Chase is aware that I, personally m, did not make the reversal requests that were done on my account. 

In order to make things right, chase would need to refund the money that was not authorized by me to the merchants that had been paid already. Chase did not see that 16 reversals in three days was a red flag and went ahead with the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX  XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We have diligently paid our Home Equity Line of Credit with XXXX XXXX  for the past ten years. In XXXX, we were informed that we had missed a payment for our account. We went through all of our documents and saw that no payments were missed. We have the computer printout from XXXX XXXX  showing all the payments made, statements will be attached. We went to XXXX and spoke to a representative, XXXX XXXX, that agreed with us. She saw that all the payments were made and made several calls, to no avail. She was the only one that tried to help us. XXXX then falsely claimed to the three credit bureaus that we missed payments. We disputed the late reporting with the bureaus. The three bureaus sided with XXXX, despite us sending them the evidence that the payments were made. XXXX then closed our account and told us to open another account. It is impossible to open a new account when there are recent late payments on a current account. When we started to investigate this issue, the bank said that we had missed many payments and they had frozen the account since XXXX, without notifying us! We were then told that we did not miss any payments, but that when XXXX merged with XXXXXXXX XXXX  XXXX, and then with XXXX, this caused the issue. XXXX never unfroze the account. If we had missed payments, XXXX would have begun foreclosure proceedings or debt collection. 

XXXX closed the credit line in XX/XX/XXXX and provided an Adverse Credit Denial which stated that they closed the account due to information from an outside source, yet they do not provide the name of the source. Our credit reports do not demonstrate any review by XXXX Bank, redacted report attached. All the calls I made to the bank, which were two to three hours each, without any positive resolution were extremely frustrating and frightening. We have lost many business opportunities as well as needing the credit line to help our daughter that was recently diagnosed with XXXX XXXX. This has been very distressing and no matter who we turned to, no one could fix the situation. This has caused many sleepless nights trying to figure out who we can turn to for assistance.

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 2024-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint regarding the unacceptable customer service experience I recently encountered at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. My experience on XX/XX/2024 was deeply disappointing and concerning, and I feel compelled to bring it to your attention. 

On the aforementioned date, I visited the branch with the intention of closing my safe deposit box, the due date of which was XX/XX/2024. However, I was met with extreme resistance and unprofessional behavior from the branch manager, XXXX. Despite my request being a routine and straightforward transaction, XXXX XXXX not only refused to close my safe deposit box but also resorted to threatening tactics. 

Specifically, when I questioned XXXX XXXX about the refusal to close my safe deposit box, she threatened to close all my accounts and involve law enforcement by calling the police. This response was completely unwarranted and alarming, especially given the innocuous nature of my request. It is deeply concerning that a senior member of your staff would resort to such extreme measures when faced with a simple customer inquiry. 

Furthermore, I found XXXX XXXX 's demeanor to be highly unprofessional and disrespectful throughout our interaction. Her lack of empathy and unwillingness to address my concerns in a rational and courteous manner only exacerbated the situation and left me feeling deeply dissatisfied with the level of service provided. 

As a loyal customer of Bank of America for 15 years, I am disappointed by the blatant disregard for customer satisfaction displayed by XXXX XXXX and the lack of professionalism exhibited by your branch. It is unacceptable for customers to be subjected to such treatment, especially within the confines of a reputable financial institution like Bank of America. 

I kindly request that a thorough investigation be conducted into this matter and appropriate action be taken to address the misconduct of XXXX XXXX and ensure that such incidents are not repeated in the future. Additionally, I expect prompt resolution regarding the closure of my safe deposit box without any further delays or complications. 

Please acknowledge receipt of this complaint at your earliest convenience and provide assurance that it will be taken seriously and addressed with the urgency it deserves. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: MI

Complaint narrative:
There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in XXXX XXXX Code XXXX remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report SXXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX XXXX XXXXXXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section XXXX, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on XXXX XXXX XXXX - Accuracy of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX of XXXX citi bank closed my account, and I have {$20000.00} on my checking Account that they were refuse give back to me, they said I need provide the document to explain where is this ACH transaction from, so I went to the bank on XX/XX/XXXX, I summit all the document that the citi need to the banker, and the banker help me call and email the document to the citi bank fraud department, and they told me they will send a check with the amount {$20000.00} within two months, so I call citi bank today, they said they did not receive any document and refuse to give back my remaining amount. it been about 6 months from them closed my account, and I still not get back my money!

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
FCRA 605B might mean we got ta delete the wrong stuff from my credit report. Can you check if the papers match? Some accounts listed have wrong info about what happened and when it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX, transunion, and XXXX were all notified certified mail and notarized with an affidavit of truth, police report, w-2, and an invoice for violating my consumer rights pursuant to title 15 usc 1681b, reporting negative without the written consent of the consumer, also title 15 usc 1681c-2 , removing and blocking all reportings from alleged fraud in 4 days. according to title 15 usc 1681n and title 15 usc 16810, XXXX, transunion, and XXXX are civilly and criminally liable for their willful non compliance and negligence

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 2024-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, and equifax were all notified certified mail and notarized with an affidavit of truth, police report, w-2, and an invoice for violating my consumer rights pursuant to title 15 usc 1681b, reporting negative without the written consent of the consumer, also title 15 usc 1681c-2 , removing and blocking all reportings from alleged fraud in 4 days. according to title 15 usc 1681n and title 15 usc 16810, XXXX, XXXX, and equifax are civilly and criminally liable for their willful non compliance and negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand that FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

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 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> someone gained access to my debit card information and made multiple transactions and withdrawals in two cities that I do not travel to or do business. The physical card was always in my possession. I have no idea how my information was accessed and funds were withdrawn. I asked Wells Fargo to look into the matter and they said they would investigate. I submitted my claim with them. They came back and said the claim was closed and they would not refund the amounts. I then took the claim to the executive office complaint department. They said they would look into the matter as well. They followed up with the same response and said that I authorized the illegal activity so they would not refund the funds. I asked for more information on their investigation and they would provide me with none.

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently noticed that there were a few accounts om my credit report that were not opened by me and then learned that unfortunately i was the result of identity theft/ XXXX field the necessary documents and sent them off to the credit bureaus with my identification attached. It has been over 2 months and they have not responded at all. I filed all of it over again but I also found out that they only have a few days to block the information in the case of identity theft and they didn't do any of what they were supposed to do. The accounts here are fraud. I need you to please help me!

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