vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This involves a deposit made at a Chase ATM. I made a check deposit at their ATM on XX/XX/XXXX for {$7600.00} and the ATM took the checks, but had a problem and could not deposit them. The checks were never returned to me, and I got a little slip saying to call them. My payroll was due that day and I really needed that money in the bank right away. After a long period of time on the phone he said it may take up to a week to get the credit. I told him that was not an option because their ATM ate my checks and it needed to be resolved right away. They gave me a credit the next day XXXX for the {$7600.00}. I had a few checks cashed from my employees that came up as insufficient funds before then. I thought the matter was closed until today XX/XX/XXXX when I got a debit charge on my account for {$7600.00}. Chase tried to say this was from another claim made 3 weeks before. The same thing happened just a few weeks before this incident XXXX. I deposited {$14000.00} in a Chase ATM that took the checks in and said there was a problem with the deposit and it printed out a small receipt with a number to call. No checks were returned and no money was deposited. Same as above there was a long time on the phone and in a branch and finally I was credited a couple of days later. Today after I went to the branch in XXXX XXXX, XXXX  to ask about the debit charge on my account for {$7600.00}, the teller looking at her computer could not tell me where the charge came from and gave me a number to call to submit a claim. I called the number and was on with hem quite a while. I had not put 2 and 2 together yet to realize it was the same amount or the XX/XX/XXXX credit. He told me that the claim had been denied from XX/XX/XXXX because they didn't have enough information. I told him to open the ATM because that's where the information was! I then asked what information do they need. He said he did not know that and I would have to return to a branch in person. I went back to be branch in XXXX XXXX and was in there for over an hour. The guy was nice but he was put on hold several times for long periods while they investigated it. That's when they told me that this was from the incident on XX/XX/XXXX. Of course I about hit the roof. I told them that these were both separate deposits 3 weeks apart and were not a all related. It took another 30 minutes for them to decide they weren't related and decided to reopen the claim. 
This has happened to me 5 times in the last 2 years and each time it is a huge time commitment just trying to get a claim going on something that's not even my fault. I told them that they need to have a better system with ATM 's that are not working properly to get claims filed quicker and without the burden of proof put on the customer. I need the {$7600.00} now not in 2 days or a week. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account that appears on my credit report from an entity that I do not recognize and have no record of conducting business with. I have been diligent in managing my financial obligations and, after reviewing my records, I am confident that this debt is either erroneous or fraudulent. 

Details of the Disputed Collection Account Creditor/Collection Agency Name : CREDENCE RESOURCE MANAGE Account Number : XXXX Date of Alleged Debt : XX/XX/year> Amount of Debt : {$290.00} Basis of Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to specific rights regarding the reporting of accurate and verifiable information on my credit report. In this case, I believe that this collection account is inaccurately reported for the following reasons : Lack of Validation : Under FDCPA Section 809 ( 15 U.S.C. 1692g ), a debt collector must provide sufficient validation of the debt upon request. I am unaware of this debt, and there has been no communication from the agency, nor have I received any validation of the debt. Therefore, I am requesting that this entry be removed from my credit report unless valid proof is presented.

Fair Credit Reporting Act Violations : Under FCRA Section 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports. This unknown account has caused damage to my credit score, and it is not supported by any evidence of my liability. Therefore, I am requesting an immediate investigation and removal of this entry. 

Unfair Practices : If this debt is an error or fraudulent, its reporting on my credit profile violates the FCRA, which mandates that consumer reporting agencies and creditors must report only fair and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Subject : Issue with Escrow Account and Lack of Response from Mortgage Companies I recently discovered approximately {$1800.00} in my escrow account, which has been charged to me. After investigating with my current mortgage company, Mr. Cooper, I was informed that this amount was deducted in XX/XX/2021 due to insurance. However, I contacted my insurance company and confirmed that I have been paying for my condo insurance directly since I purchased the property. I also provided documentation from XXXX and the XXXX 's insurance policy to support this. 

Heres where the issue lies : Mr. Cooper, my current mortgage company, states that they have no records from XXXX  and has directed me to contact my previous lender, Home Point Financial Corp, despite the fact that they charged the escrow amount without any prior notification.

When I reached out to Home Point Financial Corp, they informed me that they have no records of my mortgage from XXXX, even though they managed my loan at the time. This lack of documentation raises concerns about potential legal issues, such as lender negligence. 

In cases where a lender fails to provide accurate information or misleads a borrower, there may be grounds for legal action due to lender negligence.

I have been trying to resolve this issue for some time, but each company continues to redirect me to the other, with no response when I submit the necessary proof of documents. 

Could you kindly advise me on the next steps or help facilitate communication between these parties to get this matter resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by [ XXXX ], which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 

I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this 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 explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 XXXX  STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-11-14 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: AL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-14 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: AL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-11-14 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Im reaching out to formally address a concerning issue regarding my recent credit card application with Comenity Bank. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with Comenity Bank, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this XXXX application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from Comenity Bank regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from Comenity Bank, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score.

To ensure the application could be processed, I followed Comenity Banks recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and XXXX. After doing so, I contacted Comenity Bank to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that Comenity Bank remove all the inquiries from my credit reports. Additionally, I ask that Comenity Bank provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above.

Thank you for your attention to this matter. I trust that Comenity Bank will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy federal been charging me {$20.00} everytime I over drafted and sometimes they would they it out for no reason. Also taking my money after I made a purchase causing me to go in the negatives. They dont take the money out right away they wait until days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: OK

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation