vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I used the Chase XXXX to make a payment on my card. After I entered in {$2000.00} for my payment, a Chase notification popped up asking if I wanted to make a payment toward my statement balance of {$17000.00}. I tapped yes, which inadvertently processed payment for the full balance. I called Chase almost immediately to notify them of my mistake. and was told there's absolutely nothing I can do and that the amount will be returned XXXX times. It froze my card. I made many calls to try to speak with someone other than out-of-country customer service and no one would help. I begged and pleaded for consideration, and no one would let me pass customer service. The issue now is that my payments are held for XXXX  days or more. Chase currently has {$9000.00} of my money that I can not access. I have made payments exceeding {$15000.00} since my mistake in an effort to bring this back to good standing and Chase refuses to release the hold or give me a timeline for my punishment. Prior to my error, my payment was posted the next day. I have been a chase customer in good standing for XXXX plus years. In the meantime, I can't access {$9000.00} for my business. It's not in my checking and Chase won't let me use the credit. Chase is able to earn interest on these holds while they're out of my account but not accessible. It also is negative impacting my XXXX XXXX because instead of showing {$9000.00} is available credit, it's much lower. This morning, a charge was declined for {$1000.00} and it's a payment that is necessary for my business. Because Chase refuses to give me information about how long this hold will last, I keep issuing payments to help my cause but it has been unsuccessful. Please help me and other consumers! I made a mistake, and this is going to cost me my business. Chase refuses to consider my situation, refuses to give me specific information on how to fix my current situation and is dismissing me. M

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
I am writing to file a formal complaint against ChexSystems XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

Specifically, I have encountered the following issues : Denial of Access to My Consumer Report : I have made multiple attempts to obtain a copy of my consumer report from ChexSystems. However, all of my attempts have been unsuccessful. I have tried accessing my report online and by contacting ChexSystems directly, but I have not obtained it. This directly violates my right to access my report under Section XXXX of the FCRA. 

Suspected Inaccurate Information : While I have not been able to view my ChexSystems report, I have reason to believe that it contains inaccurate information. I have been a victim of multiple data breaches, including the XXXX data breach and a data leak from the XXXX XXXX XXXX. I have received notifications from both entities confirming that my personal information was compromised. This leads me to believe that inaccurate information may have been added to my ChexSystems report as a result of these breaches. 

Privacy Concerns : I am deeply concerned about the potential misuse of my personal information due to these data breaches. I believe ChexSystems has a responsibility to ensure the accuracy and security of my data, especially in light of the widespread data breaches that have occurred. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint and take appropriate action to ensure ChexSystems : Provides me with immediate access to my consumer report. 
Investigates the accuracy of all information on my report, particularly in light of the data breaches I have experienced. 
Removes any inaccurate or unverifiable information from my report. 
Implements measures to protect my personal information in compliance with XXXX. 
Compensates me for any damages I have suffered as a result of their violations of the FCRA and XXXX. 
I have attached any relevant documentation regarding the data breaches I have experienced. 


Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-06-05 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: WI

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their handling of disputed accounts on my credit report. Despite multiple disputes I have submitted concerning unverified accounts, TransUnion has continuously responded with pre-generated stall letters rather than conducting a thorough investigation

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I looked on my credit report and Transition is reporting that my account is XXXX days past due and the XXXX is reflecting that my account is XXXX  days delinquent. This has caused me issues in securing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, Subject : Dispute of Inaccurate Credit Report Information Underage Account I am writing to formally dispute inaccurate information on my credit report concerning an account with XXXX XXXX Account Number : XXXX. This account was opened in my name while I was underage, and no cosigner was involved in the application process. Therefore, the account was established illegally and contains inaccurate information that needs to be corrected immediately. 

According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, as well as XXXX XXXX own policy, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CFPB mandates that if an individual under the age of XXXX applies for a credit card, they must either prove they can independently make payments on the account or have a co-signer who is over XXXX XXXX XXXX. It is also noted that not all card issuers allow co-signers. Here is a direct reference to the policy for your convenience : Application requirements might differ a little among credit card issuers. But heres an idea of the kind of things your lender considers when youre applying for a credit card : Age You have to be at least XXXX to open your own credit card with XXXX XXXX. But according to the Consumer Financial Protection Bureau ( CFPB ), if youre under XXXX, youll have to prove that you can independently make payments on the account or have a co-signer who is over XXXX. And not all card issuers allow co-signers. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both XXXX XXXX  policy and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

I request that XXXX XXXX investigate this matter promptly, remove the account from my credit report, and correct the associated inaccuracies. Please provide written confirmation of the removal once the investigation is complete. 

Enclosed, you will find copies of relevant documents, including my identification and any additional evidence supporting my claim. Please let me know if you require further information or documentation to proceed with this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: FL

Complaint narrative:
Dear Sir/Ma'am, My name is XXXX XXXX XXXX XXXX I have a XXXX incorporated in XXXX, USA. Company name is XXXX XXXX. 

I have been using XXXX XXXX  ( XXXX XXXX XXXX ) from a few years, a few weeks back XXXX requested some documents and proofs from me for which I provided. 

As per them I was not using my account as per their compliance, which I do not challenge if it was right or wrong, but when they closed my account I had approximately XXXX $ balance in it. 

I have been trying to recover my funds, I have emailed them several times and requested how can I recover my funds which were locked in my account but they do not reply, neither they have any call support. I have been trying to recover my funds from a long time as this is effecting my day to day business expenses. 

I would be grateful if you can please file a formal complaint for mercury so I can recover my funds. 

Here are the bank details ; Beneficiary Name : XXXX XXXX Account Number : XXXX Type of Account : Checking Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Receiving Bank Details Wire/ACH Routing Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX My email address on mercury was XXXX. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank called me today to tell me my free savings account was overdrawn. I asked how could it be overdrawn. Citibank said that my free savings account now cost {$15.00} per month. I told them I was not going to pay this fee and they can close the account. 

I have an existing business account and Citibank solicited me to open a free checking and savings account because of my business account. Citibank started charging fees for my checking account without notice. Citibank stole all the money out of my checking account and said they would refund only {$75.00} to me which they never refunded. Now the same game with the free savings 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 monetary relief
Consumer complaint received 2024-06-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: MA

Complaint narrative:
Account has been frozen for over one week. Sent a {$100000.00} transfer to the account over 10 days ago which has not been deposited to my account. Outgoing transfers for {$35000.00} and {$9900.00} are held and not transmitted. Phone representatives are unable to help. In total {$140000.00} has been frozen. Bank no longer responds to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-05 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I made a payment to Mr Cooper mortgage company for a payment that included past months interest and additional payment to principal to satisfy balance of mortgage in the amount {$12000.00} with XXXX towards principal. I indicated payment on coupon provided. They would not cash check. They said they required certified funds. Checking account had more than enough of check. In addition check has not been returned. Customer service Agent from a call center could not help me. I told her I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a letter requesting the following information XXXX. Original account number XXXX. Original name of creditor XXXX. Date account was opened XXXX. Date of last payment XXXX. Amount of the original debt XXXX. Itemized statement showing full history of account XXXX. Proof of chain of title that you own the debt XXXX. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
This complaint involves XXXX XXXX XXXX in XXXX, XXXX , managed by XXXX, and Columbia Debt Recovery LLC, dba Genesis. 

1. I went to move out of XXXX XXXX XXXX about a year ago. They gave me an express checkout form which by signing I waived any right to contest any damages. They gave this to every resident. I refused to sign. 
2. I requested an in person move out inspection that same day and got it. I went around the apartment and they found nothing wrong. I specifically ask so I wont be getting any damage charges?. They told me No, you should be good to go. 
3. Months later I got a bill from college view specifying owed {$140.00} in damages for damaging the countertop, dishwasher, carpet, and tub. I contacted my roommate ( who still lived in the unit I moved out of ) to get pictures of the supposed damage. No damage was shown. Upon sending the pictures of no damage, XXXX XXXX revised their list of damages to ~ {$70.00} if I paid now. They sent pictures of the charges that they could prove ( the carpet and tub repair ). This " proof '' only showed normal wear and tear. They could not prove any other charges, such as the countertop nor the dishwasher. I refused to pay and over the course of several phone calls, eventually a XXXX XXXX manager, XXXX XXXX, told me over the phone I wouldnt have to worry about the charges anymore. 
4. A few days ago I received a letter from a Genesis XXXX XXXX demanding I pay the full {$140.00}. I spoke with Genesis over the phone and was notified if I did not pay the full amount my XXXX XXXX would be seriously negatively impacted. 


Attached are the photos of the claimed damages sent by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MS

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-05 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: LA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: LA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-06-05 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:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief