vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, my wife and I went to US Bank Home Mortgage to refinance a XXXX year loan to a XXXX year loan. As part of that process, the company was supposed to notify the county I live in that the original mortgage / note had been paid off by using the same document number which was created when we first took out our mortgage in XX/XX/XXXX. US Bank, however, used a new document number and reported this new number to the county. This mortgage was then paid off in early XXXX. 

In XX/XX/XXXX, my wife and I went applied for a home improvement loan. This process stopped because their title research indicated that the county still had an open mortgage as they never received a mortgage satisfaction letter from the lender. Until this was cleared, the bank was not going to provide us with a home improvement loan. On two occasions, XX/XX/XXXX and XX/XX/XXXX, I provided US Bank with details about the loans in question ( both the original loan and the refinanced loan were through US Bank ), asking them for lien release / lien satisfaction information pertaining to the original note. 

I received a response from US Bank that the department I had contacted was not appropriate. The specific response I received was : " Hello, We would have no access to those documents. We only clear title in this department. You can try Customer Service but if its been longer then 7 years. All documents have been destroyed '' No one from that organization, it appears, did anything more than a cursory glance at my request and if it fell outside of the timeline parameters, then that's just too bad.

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 2024-05-29 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: NC

Complaint narrative:
I think FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On Monday XX/XX/2024 I received an email from JP Morgan Chase Bank stating " We sent your wire transfer '' of USD XXXX, I called the bank on the spot to freeze my account and to inform them that it is a fraud and to stop the wire, while on the phone another wire of USD XXXX went through. The money went to XXXX XXXX XXXX  in Delaware benificiary XXXX XXXX. I asked Chase to refund me because they are unauthorised but the answer was an investigation shoul be done and got a Claim # XXXX and Case # XXXX, XXXX. I called Chase several times with the answer that XXXX XXXX is unable to transfer the money back. 
I complained to my local Police and got a report # XXXX Thank you so much. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is not crediting my account!! 

It's down to XXXX. Which should be brought up to XXXX. Because of fraud claims! 

XXXX. Charge was made to XXXX XXXX XXXX XXXX  XXXX pa that's fraud!! Nobody is doing anything about that!! 
There's also XXXX. To cash and XXXX. To XXXX XXXX!! 

CEO of bofa is XXXX XXXX XXXX! Please address letter to him at headquarters. XXXX NC! 
I have XXXX XXXX. Trying to get XXXX but XXXX will cost!! In XXXX. 
Respectfully, XXXX XXXX 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 monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: NY

Complaint narrative:
The day XX/XX/XXXX I had a check from my friend who owe me money on my city bank account for XXXX dollars the next day my account was blocked so me and my friend went to the branch to proof the transaction was legit first of all the employees they dont want to help us then they took our information and they told us my account was under investigation so is been already XXXX weeks and nobody have contacted me back

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was looking my credit scores in XXXX XXXX and found out a change in my credit score. When I opened the notification stating that my oldest credit card was closed on XX/XX/XXXXXX/XX/XXXX. This was my first credit card opened in XX/XX/XXXX, downgrading my credit history from almost XXXX years to only XXXX years. 

The company ( Banco Popular ) never sent a notification or anything related to my person to use the card. 

I contacted the company XXXX XXXX XXXX to make an inquiry and verify why they closed my account without notifying me and the customer service representative opened a claim. I received two letters onXX/XX/XXXX and the other one on XX/XX/XXXX stating they cant reopen an account once its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Absolute Resolutions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXXXXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXX, as well as Absolute resolutions to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and absolute resolutions and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only XXXX XXXX XXXX XXXX XXXX closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. Absolute Resolutions and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and absolute resolutions is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from absolute resolutions, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.

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 2024-05-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under 15 U.S. Code 1681, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.

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 2024-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian Credit Report includes an item entitled XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I never made any application for a mortgage, and XXXX XXXXXXXX XXXX XXXX has no record of any application. However, they indicated that someone else identifying themselves as XXXX XXXX XXXX may exist. Phone numbers that they provided have been disconnected.

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 2024-05-29 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:
It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have filed a Fraud case with the FTC regarding a victim of Fraud. It started with two deposits as of XX/XX/XXXX with an ACH several deposits came after that but the one that froze the account was on XX/XX/XXXX of {>= $1,000,000} in a wire that needed to be verified by the sender which was not able to be verified. The account funds were reversed eventually, and the accounts were closed. I was told by the Bank Fraud Security Department, and they were not able to provide me with information and provide them with information. 

I was told to speak with my business banker which I reached out to her today XX/XX/year> via e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX date is XX/XX/XXXX, the situation I have is with Truist Bank, after the XXXX XXXX XXXX and note I am a veteran just like all the banks they are delaying transactions. In this case they delayed a processing of a check and gave me a overdraft charge, and because I don't have overdraft protection, they ran it through 2 times, And did not give me the check that they ran through so they can keep resubmitting it on a negative balance. I tried to call and rectify this problem with the number they provided. And just like with downtown parking in XXXX when they boot your car they're hard to get in touch with.

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 2024-05-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: PA

Complaint narrative:
AQUA FINANCE INC. THIS COMPANY WILL NOT PROVIDE ME WITH INFORMATION ON THIS ACCOUNT DUE TO PERSONAL SECURITY QUESTIONS. I INFORM ALL THREE CREDIT BUREAU THAT THIS ACCOUNT IS FRAUDULENT AND PROVIDED An ACCURATE AND TRUE POLICE REPORT ON FILE SO THE CREDIT BREAU CAN PROVIDE THE INFORMATION TO THE NESSCACRY COMPANY AS REQUESTED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I do not have an account with PORTFOLIO RECOVERY, the original debt was a secure credit card and paid, yet they continue to put the debt of {$480.00} on my credit report. They removed it once and then added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This company is trying to say this is my debt but it is not

Company response to consumer: Closed with non-monetary relief